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
One virtual cards allow you to make online payments of up to €20,000.00 over a 30-day period.
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
They offer the same insurance and assistance benefits as the One card.
☝️ Good to know: Virtual cards are free and unlimited for Premium plans. If you wan to know more about our subscriptions and its benefits, click here.
Qonto physical cards
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 over 30 sliding days
- Withdraw up to €1,000 over 30 sliding days
- 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 over 30 sliding days
- Withdraw up to €2,000 for 30 sliding days
- 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 €60,000 / 30-day rolling period
- Withdraw up to €3,000 for free / 30-day rolling period
- 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: When ordering your X card, to confirm the order, 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. Do you need to change it? Log into your account and go for a new one in a few clicks.
Manage your business, your limits, and permissions
Manage permissions, withdrawal and payment limits, 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 (physical and virtual) including purchase protection, travel, and car-rental damage insurance.
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.