Qonto has updated its Financial Tools pricing and packaging to make core financial workflows available as part of your plan, not behind separate paywalls ✨. Most features previously locked in add-ons — Accounts Payable, Accounts Receivable, spend management, and cash flow — are now included directly in your plan. Add-ons now cover only the more, incremental capabilities you choose to activate as your business scales.
These changes affect all Qonto plans and apply to Accounts Receivable, Accounts Payable, Expense & Spend Management, and Cash Flow Management. New customers see the updated pricing from August 3, 2026. If you're an existing add-on customer, your migration happens automatically by October 1, 2026 — no action needed 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 addition of Financial Tools features now included in the plan. All other plans — Essential, Smart, and Premium — have had Financial Tools features added with no change to their base price.
If you're an existing add-on customer, you'll receive a legal notice before any change takes effect. Your migration is automatic and managed via voucher — there's nothing you need to do. If you have questions about your specific situation, you can reach the support team via chat, available 24/7.
What's changing with Accounts Receivable?
The Accounts Receivable Plus add-on (previously €45/month) is retiring on July 31. Several features from that 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.
For more invoicing needs, two add-ons are available as replacements:
- Invoice Automation (€15/month): Includes recurring invoicing, quotes with built-in e-signatures, and automated reminders for quotes and invoices.
- Project Tracking (€25/month): Includes a client portal for quotes, invoices, and status updates, the ability to organize by project or client, and margin tracking per project.
If you activate both add-ons, the combined cost is €40/month — lower than the €45/month of the single legacy add-on.
What's changing with Accounts Payable?
The Accounts Payable Plus add-on (previously €35/month) is retiring on July 31. Features from this add-on are now split across plan tiers, so you may already have access to what you need depending on your current plan.
If you're on Essential+, you now have access to:
- Transfer & payment requests in Tasks
- Real-time budget tracking
If you're on Business+, you additionally get:
- Integrations to sync invoices with tools like Sellsy and Axonaut
- Tool sync with external AP tools, including EBICS
- Automated payment initiation via ERP
☝️ Approval workflows — including approval workflows on bills, manager permissions, and 4-eyes validation — remain available through the Team Spend Control add-on (€49/month), which requires a minimum of an Essential+ plan.
What's changing with Expense & Spend Management?
The Expense & Spend Management Plus add-on (previously €89/month) is retiring on July 31. Most of its features are now included in your core 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
- 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+, solo 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 on Business+.
The Team Spend Control add-on has been revised and repriced to €49/month, with a focused set of features to help you manage team spend:
- Manager permissions & approval workflows
- 4-eyes validation for sensitive payments
- Card settings (limits by day, category, or amount)
- Auto-block cards for missing receipts
- HRIS integration
What's changing with Cash Flow Management?
The Cash Flow Management Plus add-on (previously €29/month) is retiring on July 31 — these features are now embedded 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 get access to:
- Real-time forecast projection (up to 6 months)
- Scenario creation and tracking
- Google Sheets & Excel integrations
- Interactive cash flow table
- Smart actions to stay cash-positive
- Real-time VAT estimate
- Automated approvals
- Rules center