Qonto provides physical and virtual Mastercard debit cards (you can have up to 5 of each if desired). These cards must be attached to a real user of Qonto and can be configured to meet their specific needs. Online payments, contactless payments or payments with PIN code entry, your Qonto card allows you to make payments in France and abroad.

Qonto virtual cards

The virtual card can be included in your package or charged 2€ (excl. tax) / month. They allow you to make online payments up to €20,000 per calendar month.

Our virtual cards are perfect for you if you want:

  • A card for all your online purchases (business trips, subscriptions, office supplies...)

  • More security for all your online payments

  • Flexibility and immediacy

  • A better follow-up for your purchases

  • Possibility to pay even in stores with Apple Pay and Google Pay

Qonto’s Flash* cards:

Flash cards are temporary virtual cards. They are ideal for teams’ one-off expenses. No need to share a card or pay out-of-pocket!

Flash card allow you to:

  • Set a budget and a duration specific to a need: single purchase, team lunch, business trip, or any punctual request.

  • Pay online or offline by adding it to Google Pay / Apple Pay

  • Be maintenance free! Flash card expires automatically at the date chosen.

☝️ Good to know: Virtual cards are free and unlimited for Smart, Premium, Business (Advanced) and Enterprise plans. If you want to know more about our subscriptions and its benefits, click here.

Qonto physical cards:

Physical cards can be used for all kinds of payments, in-store or online.

To initiate the order of a physical card, go to the section ‘Business Account’ go to the click on ‘Cards’ and on ‘Create Card’.

Once received, physical cards have to be activated online and by completing a first transaction using your PIN, either in-store or at an ATM.

Card permissions can be managed anytime by Admins and Managers (for their team).

One Card

One cards are free and included in your package. Then 5€/month (excl. tax) spent the number of cards included in the package

  • Mastercard Business Debit

  • Pay up to €20,000 per calendar month

  • Withdraw up to €1,000 per calendar month

  • Unlimited and free payment in Europe

  • 1€ (excl. VAT) / withdrawal

  • 2% foreign exchange commission on non-euro payments (and no fixed fees)

Plus Card

€6 / month (excl. tax)

  • Mastercard World Debit

  • Pay up to €40,000 per calendar month

  • Withdraw up to €2,000 per calendar month

  • Unlimited and free payment in Europe

  • 5 free withdrawals then 1€ (excl. VAT) / withdrawal

  • 1% foreign exchange commission on non-euro payments (and no fixed fees)

X Card

€20 / month (excl. tax)

  • Mastercard World Debit

  • Benefit from a 0% foreign exchange commission on non-euro payments (and no fixed fees)

  • Pay up to

    • €200,000 per calendar month if you are enrolled SCA (Strong Customer Authentication)

    • €60 000 per month if you haven’t activate your SCA. We strongly advise you to activate this strong authentification, following these steps : How to pair my phone with my Qonto account?

  • Withdraw up to €3,000 for free, per calendar month

    (💡 If you are registered to a german account, you can benefit from higher withdrawal limits. Please klick here for more information.)

  • Take full advantage of a concierge service available 7 days a week

  • Access airport lounges

  • Benefit from Qonto’s most exclusive card insurance

✌️ Good to know: To confirm the order of an X card, you need to first top-up your Qonto account through a simple bank transfer. Find how to do it right here.

Note: Our Plus and X cards are only available on our new platform. You can order it if your RIB starts with QNTO.

All our physical cards allow you to

Lock and unlock your card

Your card just disappeared and you don’t remember where you put it last time. Qonto allows you to lock it temporarily for more security.

Customize your PIN code

Never forget your PIN code again! Qonto allows the cardholder to define it. You can view it anytime from the Cards section of your web and mobile app. If you need to change it, you can also do it in a few clicks.

Manage your business, your limits, and permissions

Manage permissions, withdrawal and payment limits, spending categories, that fit your needs in real-time!

Get the 3D-Secure technology

The 3D-Secure technology (3DS2) makes all your online payments safe and gives you peace of mind.

Pay your purchases with Apple Pay and Google Pay

Activate Apple Pay and Google Pay in just a few clicks and use it in stores or on the web (and within eligible apps). With Apple Pay and Google Pay, you can make contactless payments: it's simple, fast and secure.

Insurance & assistance

You can enjoy a variety of benefits with your Qonto Business cards including purchase protection, travel, and car-rental damage insurance for the most premium card (PLUS and X).

This set of protection is also coming with a global assistance hotline.

For any inquiry, you can contact the phone number displayed on the back of your card.

To declare a claim online, please login to your Qonto account you may find all required details in the Card Insurance section of your settings.

There are three levels of guarantees: One, Plus or X benefits, depending on the card chosen. Everything is explained here.

Can I have both cards?

Of course! You can cumulate virtual, physical and Flash* cards.

*Available on Business (Advanced) and Enterprise plans only.

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