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 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.
They offer the same insurance, assistance benefits as well as the same billing as the One card.
☝️ Good to know: Virtual cards are free and unlimited for Smart, Premium, Business (Advanced) and Enterprise plans. If you wan 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 Cards section on the left of your Qonto interface. To confirm the order, the cardholders are invited to set up their personal PIN code. This action will confirm the card ordering and the shipment to the cardholder’s personal address. 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 €60,000 per calendar month
Withdraw up to €3,000 for free, per calendar month
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. 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 (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.
Can I have both cards?
Of course! You can cumulate virtual, physical and Flash* cards.
*Available on Business (Advanced) and Enterprise plans only.