Qonto has updated its Financial Tools pricing and offering to make core financial workflows available directly as part of your plan, with no separate paid add-ons ✨. Most features previously included in add-ons — Accounts Receivable Management, spend management, and cash flow management — are now included directly in your plan. Add-ons now only cover the more advanced features you choose to activate as your business grows.
These changes affect all Qonto plans and apply to Accounts Receivable Management, Expense Management, and Cash Flow Management. New customers get the updated pricing from August 3, 2026. If you're already an add-on customer, your migration happens automatically before October 1, 2026 — no action is required on your part.
What's changing with my plan price?
The Business plan price is increasing by €20/month on monthly billing, or €10/month on annual billing. This increase reflects the integration of Financial Tools features now included in the plan. All other plans — Essential, Smart, and Premium — benefit from the Financial Tools features with no change to their base price.
If you're already an add-on customer, you'll receive a legal notice before any change. Your migration is automatic and managed via coupon — you have nothing to do. For any question about your specific situation, you can contact the support team via chat, available 24/7.
What's changing with Accounts Receivable Management?
The Accounts Receivable Management Plus add-on (previously €45/month) is removed on July 31. Several features from this add-on are now included in all Qonto plans at no extra cost:
- Custom branding & attachments: personalize your invoices and quotes with your brand identity.
- Reusable templates: save time with reusable invoice, quote, and email templates.
- Real-time data sync: your invoicing data stays automatically synced with your financial tools.
What's changing with Expense Management?
The Expense Management Plus add-on (previously €89/month) is removed on July 31. Most of its features are now included in your base plan depending on your subscription tier.
If you're on Essential+, you now get:
- Basic Manager role
- 50 team cards with spending limits (virtual, ad hoc, and instant)
- Expense reports for mileage allowances
- Transfer & payment requests
- Real-time budget tracking
If you're on Premium+, you also get subscription detection and renewal alerts. If you're on Smart+, individual expense reports are included.
Cards: previously, the add-on included unlimited virtual cards. All Smart+ plans now include 50 virtual cards, with additional cards available at €1 per card. Unlimited cards are included in the Business+ plan.
The Team Spend Control add-on has been revised with an adjusted price of €49/month, with a targeted set of features to help you manage your team's spending:
- Advanced manager permissions and approval workflows
- 4-eyes validation for sensitive payments
- Advanced card settings (limits by day, category, or amount)
- Automatic card blocking for missing receipts
- HRIS integration
What's changing with Cash Flow Management?
The Cash Flow Management Plus add-on (previously €29/month) is removed on July 31 — these features are now built directly into all Smart+ plans, at no extra cost.
The following features remain available on all plans, unchanged:
- Historical cash flow analysis
- Automatic transaction categorization
- Expected transactions
If you're on Smart+, you now also have access to:
- Real-time forecast projection (up to 6 months)
- Scenario creation and tracking
- Google Sheets and Excel integrations
- Interactive cash flow table
- Smart actions to stay cash-positive
- Real-time VAT estimate
- Automated approvals
- Rules center