Thinking Thinking

Software profile Accounting

Qonto

Qonto FR

Qonto is a business account that bundles compliant electronic invoicing into every plan at no extra cost. The compliance it sells is the French Plateforme Agréée network, not Peppol.

From
€9
Free plan
No
Trial
30 days
Visit the vendor site Opens the vendor site in a new tab Editorial score 6.6 /10

No screenshot published yet.

Best for

Freelancers in France who want the bank account and the invoicing in one place

Strengths / Weaknesses

Strengths

  • Electronic invoicing is included in every plan, with unlimited quotes and invoices
  • Registered as a French Plateforme Agréée, which is the network the French reform actually requires
  • Bank feed, invoice tracking and archiving in one product
  • One month free trial on every plan

Weaknesses

  • No Peppol claim anywhere, so an invoice to a Belgian, Dutch or Luxembourg counterparty on Peppol is out of scope
  • It is a bank first, so switching invoicing means switching your account
  • Only annual billing rates are published, the monthly rates are not shown
  • Compliance is framed around the French calendar, not the Luxembourg or German one

Pricing

Plan Price Unit Note
Basic (self-employed) Price on request per month excl. VAT 108 EUR a year, e-invoicing included
Smart (self-employed) Price on request per month excl. VAT 228 EUR a year
Premium (self-employed) Price on request per month excl. VAT 468 EUR a year
Essential (teams) Price on request per month excl. VAT 588 EUR a year
Invoice Automation add-on Price on request per month excl. VAT 144 EUR a year

Scroll the table sideways to see every column.

Verdict

Qonto gives away compliant electronic invoicing with every plan, including the 9 euro self-employed tier, which is a genuinely good deal if you are in France. The network is the catch. Qonto is registered as a French Plateforme Agréée, which is what the French reform requires and is not the same thing as Peppol, so it does nothing for an invoice a Belgian or Luxembourg client wants delivered over the Peppol network.

Other Accounting software

Moneybird Moneybird Freelancers who need real Peppol sending without an enterprise plan €3 8.2 Odoo Accounting Odoo Accounting Luxembourg SMEs that want one system for sales, stock and the ledger, with a documented FAIA export €24.90 8 Exact WinBooks Exact WinBooks Luxembourg fiduciaires and SMEs that want documented PCN 2020, eCDF and FAIA with a price they can read €67 7.8 Horus Horus Small and mid sized Luxembourg fiduciaires that want a modern cloud ledger with a price on the page €52.50 7.6 sevdesk sevdesk German speaking freelancers who sell digital services to consumers in several EU countries €9.90 7.3 Sage BOB Sage BOB Working with a Luxembourg fiduciaire that already runs BOB and wants you in the same file Price on request 7.2

Where we write about it

Where these numbers come from

  1. [1] Qonto pricing, self-employed and team plans excl. VAT billed annually, one month free trial accessed 2026-11-11
  2. [2] Qonto invoicing, e-invoicing included in all plans at no extra cost accessed 2026-11-11
  3. [3] Qonto facturation électronique, Plateforme Agréée, French reform milestones of 1 September 2026 and 1 September 2027 accessed 2026-11-11

Weekly, Thursday morning, Central European Time.

The Thinking briefing

One email a week: what changed in European business software, which prices moved, and which comparison we published. No sales mail.

We store your address to send the briefing. One click unsubscribes you, and we never pass it on.