What are the different Qonto cards ?

Qonto offers a range of Mastercard cards designed to match your business spending needs. From essential everyday cards to premium options with exclusive benefits, each card type provides different payment limits, insurance coverage, and features.

 

You can choose between physical cards for in-store and online payments, or virtual cards for digital transactions and team expense management. 

 

Physical cards are available in three tiers: One, Plus and X – with increasing spending limits and premium features. Virtual options include standard virtual cards, instant cards for one-off expenses, and online advertising cards for marketing campaigns.
 

Card availability depends on your Qonto plan, with some cards included free in your subscription and others available for an additional monthly fee. Check what your subscription includes here. All cards can be used immediately after creation.

 

 

What physical cards can I order?
 

Qonto offers three types of physical Mastercard debit cards that can be used immediately after creation for in-store and online payments.

 

Your subscription includes one or more free One cards depending on your plan.

 

Check your plan details to see what's included. You can order additional cards at any time, up to a maximum of 5 active physical cards per user. Ready to order a card? Follow these steps.
 

One Card – €5/month excl. VAT (or free with your plan)

Plus Card – €8/month excl. VAT

X Card – €20/month excl. VAT

Plus and X cards are also available with deferred debit, letting you spend now and pay back on the 1st of the following month. ☝️ Availability of this option in Belgium may evolve — contact our support team for more information.
 

What virtual cards can I use?
 

Qonto offers multiple virtual card options for online payments and digital wallet transactions via Google Pay and Apple Pay. Virtual cards can be included in your plan or cost €2/month excl. VAT depending on your subscription.
 

 

How do I activate Strong Customer Authentication for higher limits?
 

Strong Customer Authentication (SCA) is required to access the highest payment limits on X cards (€200,000 per month instead of €60,000).

 

To activate SCA, you need to pair your mobile phone with your Qonto account. This adds an extra layer of security to your transactions and unlocks your card's premium limits. Follow these steps to pair your phone with your Qonto account.

 

We strongly recommend activating SCA to maximise your card's potential and strengthen your account security.

 

 

Can I restrict my card to specific spending categories like fuel?
 

Yes, you can customise card spending controls if you have an Essential, Business or Enterprise plan and the Team Expense Management module.

 

While Qonto doesn't offer a dedicated fuel card, you can order any physical card and restrict it to specific spending categories, including petrol stations.

 

From the card settings, you can:

This feature is particularly useful for managing employee expenses, controlling departmental budgets, or restricting cards to specific business uses such as fuel, transport or office supplies.