Can any organization open a Qonto account?
Updated this week

The Qonto current account is currently available to French, Italian, Spanish and German companies formed with the following legal entities :

🇫🇷

  • SA ('Société Anonyme')

  • SAS ('Société par Actions Simplifiée')

  • SASU ('Société par Actions Simplifiée Unipersonnelle')

  • SARL ('Société à Responsabilité Limitée')

  • SC & SCI ('Société civile')

  • EURL ('Entreprise Unipersonnelle à Responsabilité Limitée')

  • EIRL (Entreprise Individuelle à Responsabilité Limitée)

  • EI (Entreprise Individuelle)

  • Affaire Personnelle Profession Libérale (Independent occupations)

  • Micro-Entreprise (Sole Traders or Micro-Company)

  • Declared association ('Association Enregistrée')

  • Holding (an organization who owns control of a small group of other companies) - see below

🇮🇹

  • S.s. (Società Semplice)

  • S.a.s. (Società in Accomandita Semplice)

  • S.n.c. (Società in Nome Collettivo)

  • S.r.l. (Società a responsabilità limitata)

  • S.r.l.s. (Società semplificata a responsabilità limitata)

  • S.p.A. (Società per Azioni)

  • S.a.p.a. (Società in Accomandita per Azioni)

  • Impresa Individuale (a K-bis is needed)

  • Libero Professionista and Lavoratore Autonomo

  • Studio associato e società di professionisti

  • Cooperativa

  • Associazione

🇪🇸

  • Empresario Individual (Autónomo) / Autónomo Societario

  • Emprendedor de Responsabilidad Limitada

  • Entidades permanentes no residentes en España (NIF W)

  • Sociedad Anónima

  • Sociedad Anónima Laboral

  • Sociedad de Responsabilidad Limitada

  • Sociedad de Responsabilidad Limitada Laboral

  • Sociedad Limitada Nueva Empresa

  • Sociedad Limitada de Formación Sucesiva

  • Sociedad Colectiva

  • Sociedad Comanditaria por Acciones

  • Sociedad Comanditaria Simple

  • Sociedad Profesional

🇩🇪

  • Sole traders (e.K./e.Kfm/e.Kfr)

  • Freelancers

  • (e)GbR

  • GmbH

  • GmbH i.G.

  • gGmbH

  • gGmbH i.G.

  • UG

  • UG i.G.

  • gUG

  • gUG i.G.

  • AG

  • AG & Co KG

  • GmbH & Co. KG

  • UG & Co. KG

  • oHG

  • GmbH & Co. oHG

  • AG & Co oHG

  • KG

  • KGaA

Companies that are not yet registered (available in France and Germany only):

If your company is not registered yet, please note that you can open a Qonto account and proceed with your initial capital deposit with us (except for SCI).

As a reminder, sole traders, as well as micro-enterprises, are not required to go through a deposit capital process, since these organizations are already registered in their own name.

Foreign companies:

Foreign companies which are registered in France, Italy, Spain or Germany are allowed to open a Qonto account if the headquarter is based in one of those four countries.

Holding companies:

Existing French holding companies, both active or passive, are fully allowed to open a Qonto account 100% online, in a few minutes.

Prohibited activities on Qonto:

Companies primarily engaged in the following industries are not allowed to open a Qonto account :

  • Accessibility diagnosis (Ad'Ap)

  • Activities related to the sale of products based on cannabis or its derivatives (leaves, flowers, resin, CBD, HHC) with a THC content of more than 0.3% for the companies in France and 0.2% for the companies in Germany, Italy and Spain or not indicated.

  • Activities related to the mining industry

  • Activities related to Energy Efficiency Certificates (CEE)

  • Any illegal activity

  • Auction houses, artwork Selling

  • Cartomancy, fortune-telling, clairvoyance, astrology, tarology

  • Casinos and gambling

  • Factoring, Debt collection activities

  • Financial/fiscal agent activity if not registered with a regulator

  • Holding a marketplace

  • Insurance brokerage activity if not registered with an administration

  • Management of funds, portfolio, and collective investments if not registered with a regulatory authority.

  • Military activities, including the sale of weapons, military vehicles, and their copies

  • Mining, staking, creation and/or commercialization of NFTs, blockchain development, development of wallets (hot & cold wallets), decentralized exchange, PSAN activity without registration.

  • Money transfer platform, remittance service, P2P ("peer-to-peer" payment service)

  • Online and in-store sales of industrial or cosmetic chemicals.

  • Online and in-store sales of protein powders, dietary supplements, and medicines

  • Online file sharing

  • Sale of mobile SIM cards and top-up cards

  • Sex (pornography, sex toys, escorting, prostitution)

  • Sale of goods/services that may harm, or damage the image, honor, or reputation of others

  • Tobacco or smoking products (including THC, CBD, and eCig)

  • Trading/brokerage platform or any activity related to currencies, precious metals, gemstones, other products, securities

  • Unlicensed payment services (crowdfunding, crowdlending, marketplace)

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