# Qonto

> Source: https://docs.barcoder.ai/docs/wallets/qonto
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Qonto — official](https://qonto.com/)

## Overview

**Qonto** is **French B2B neobank for SMEs + freelancers** + **ACPR France credit institution licence post-Jul 2022** + **~600K+ business customers across France + Germany + Italy + Spain + Netherlands + Austria + Belgium + Portugal** + **European business banking unicorn ~€4.4B valuation Series D Jan 2022** <sup>[1][1], [France report](https://docs.barcoder.ai/docs/payments/FR)</sup>.

## History

**Jul 2016 — Qonto founded by Alexandre Prot + Steve Anavi in France** distinctive French B2B neobank heritage.

**2017 — Qonto mobile + web business banking app launch + initial AISP payment institution license**.

**Jul 2022 — Qonto granted ACPR France credit institution licence + ECB authorization**.

**Jan 2022 — Qonto Series D €486M led by Tiger Global + TCV at ~€4.4B valuation French B2B fintech unicorn**.

**2024 — Qonto crosses 500K+ business customer milestone**.

## Ownership & operator

**Operating entity**: **Qonto SAS** (French B2B neobank for SMEs + freelancers; private).

**Major shareholders**: **Tiger Global + TCV + Valar Ventures + Alven + Peter Thiel + Alexandre Prot + Steve Anavi co-founders**.

**Regulators**: **ACPR France + ECB + national regulators across 8 countries**.

## Technical integration

Qonto mobile app (iOS + Android; ~600K+ business customers) + qonto.com web + Qonto Mastercard prepaid business cards; SEPA + SEPA Instant + EPC-QR + Wero (post-EPI launch).

## Implementations & partners

**Major French + EU B2B neobank competitors**: [Shine](https://docs.barcoder.ai/docs/wallets/shine) (Shine French B2B neobank for SMEs + freelancers; Société Générale subsidiary post-2020 acquisition) + [Memo Bank](https://docs.barcoder.ai/docs/wallets/memo-bank) (Memo Bank French B2B neobank for mid-market businesses) + Finom (Finom European B2B neobank for SMEs + freelancers) + Holvi (Holvi Finnish B2B neobank for SMEs; BBVA subsidiary 2016-2022 then private) + Revolut Business (Revolut Business UK + global B2B neobank for SMEs + freelancers) + Wise Business (Wise Business UK + global B2B multi-currency account) + N26 Business (N26 Business German B2B neobank) + [SumUp](https://docs.barcoder.ai/docs/wallets/sumup) (SumUp UK + global SME payments + business banking).

**Regulators**: ACPR France + ECB + national regulators across 8 countries.

## Status

**Active, French B2B neobank for SMEs + freelancers + ACPR France credit institution licence post-Jul 2022 + ~600K+ business customers across 8 countries + European business banking unicorn ~€4.4B valuation Series D Jan 2022** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://qonto.com/ "Qonto — official"
[2]: https://en.wikipedia.org/wiki/Qonto "Qonto — Wikipedia"
[fr-cro]: https://docs.barcoder.ai/docs/payments/FR

- [1] [Qonto — official][1]
- [2] [Qonto — Wikipedia][2]
- <sup>[France report](https://docs.barcoder.ai/docs/payments/FR)</sup> In-corpus: `reports/countries/FR-france.md`

## Source

Biography extracted from [qonto.md](https://docs.barcoder.ai/source/wallets/qonto). See `matrix.md` for standards-support matrix if present.