Qonto cards are personal and can be adapted to all member needs. The Admin of the Qonto account or the Manager (for their team) can limit the card payment and withdrawal capabilities of the members of his company.
For more flexibility, these limits can be modified at any time from the section ‘Business Account’, click on ‘Cards’. Any changes will be taken into account in real-time.
Calendar month : what does it mean?
The budget limit on each card is automatically reset on the 1st of each month. Therefore, you get your full budget again when a new month begins.
☝️ If the maximum limit of your card is reached, limit visible on your application, we do not have the possibility to increase it. In order to have more capacity, you have the option to order an additional card.
Choose a card that suits your needs
With a One card:
Pay up to €20,000 and withdraw up to €1,000 per calendar month
With a Plus card:
Pay up to €40,000 and withdraw up to €2,000 per calendar month
With an X card:
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€ / month
(💡If you are registered to a german account, you can benefit from higher withdrawal limits. Please klick here for more information)
👉 Once you receive your physical card, using your PIN code for the first time (physical payment or withdraw) will allow to fully activate your card in a secured way :
The contactless payments
The monthly payment limits above 20,000€ for PLUS and X card
How to change the payment and withdrawal limits of a card?**
During the card creation
From the section ‘Business Account’, click on 'Cards', click on Create card
Choose between a physical card, virtual or Instant*card
Then choose the payment and withdrawal limits of the new card in the Card settings section
After the card creation
Select the card that you want to change the limits in the Cards section.
Click on Update in card settings
Then, update your limits in the following window.
Other options can be set up on your card. For more information, click here.
* Available on Business (Advanced) and Enterprise Plans only