From the section ‘Business Account’, go on 'Cards'. When you select a card, its settings appear in a new tab on the right and you can start customizing them.
Please note that only Account Holders, Admins and Managers (for their team) and primary owners can manage card settings.
Physical Card
Physical Card
With a physical card, you can pay online or offline (with PIN code or contactless) and you can withdraw cash. You can use your physical card in France or abroad.
On a physical card the Admin or the Manager can set:
Custom card name in-app (e.g. 'Travel card', 'Office expenses card'...)
Authorization to withdraw money
Authorization to pay contactless
Authorization to pay online
Days of use (for example from Monday to Friday)
Authorization to pay only for certain spending categories
Monthly limit (up to € 200,000 for X card)
Daily limit
Transaction limit
Virtual card
Virtual card
With a virtual card, you can pay directly from creation, online or offline (by adding it to Google pay / Apple pay). If your physical card hasn’t arrived yet, you can start spending with a virtual card.
On a virtual card, the Admin or the Manager can set:
Custom card name in-app (e.g. 'Google Ads', 'LinkedIn', 'Amazon'...)
Monthly limit (up to 20 000€)
Daily limit
Transaction limit
Days of use (for example from Monday to Friday)
Authorization to pay only for certain spending categories
Online advertising Card
Online advertising Card
With an Online advertising card, you can manage your marketing campaigns across top ads platforms and merchants like Facebook Ads, Google Ads, and others. You won’t have to worry about your campaigns getting blocked due to running out of funds or exceeding your budget, all thanks to high spending limits (€200,000/month, or more upon request and approval*), flexible controls, and efficient delegation options for your team.
Instant
Instant
Instant* card is a temporary virtual card. It can be attributed to any member of your team for a specific occasion.
On a Instant* card the Admin or the Manager can set:
Custom card name in-app (e.g. 'B2B conference', 'Offsite dinner', 'Client visit in Berlin'...)
When creating it: a budget and a time of validity
The budget can be adjusted throughout the time of validity
The time of validity can’t be modified. If the card holder needs to pay after the chosen date, the Admin or the Manager will need to create a complementary Instant card.
Employees can now pre-fill some of their card settings by requesting a virtual card or Instant card* via their Qonto interface.* These settings can be changed and completed by an Owner, Admin or Manager at any time.
*only for Business and Enterprise subscription
Can I make contactless payments with my Qonto card?
All physical Qonto cards include Near Field Communication (NFC) technology. This technology allows you to make contactless payments.
Whether you have a One, Plus or X card, you can pay up to €50 without having to tap your PIN code to confirm a transaction, so you can save time at the checkout. All you have to do is bring your card within 3 cm of the payment terminal.
Please note that contactless payments can be enabled or disabled by an Admin or Manager in the card settings section.
What are the limits?
For security reasons, some limitations apply regarding NFC payments:
All payment above €50 will be automatically rejected (above €25 in Italy)
You can pay up to €150 consecutive contactless payments.
Beyond this amount, you will be asked to tap your PIN code to reset the limit.