Digital bank / EMI / DIRECTORY
Qonto
An independent overview of Qonto's public criteria. CrystalCore helps assess fit, prepare the KYB pack and navigate the application process without promising approval.
Digital bank / EMI
Europe · Selected EEA markets
Web · Mobile app · REST API
August 9, 2026
Best fit and business types
SMBs, startups, freelancers, and supported local legal forms; the exact list is published for each country.
Capabilities
- Business payment account and cards
- Expense management, invoicing, and bookkeeping
- Capital deposit in eligible countries
How onboarding works
Fully online for supported countries and forms; companies in formation may follow a separate flow.
Baseline eligibility
The company or self-employed activity must be registered in a served market and meet local legal-form rules.
Restrictions and risk review
Prohibited sectors are listed in each local Legal Center; financial and regulated activities may require licences and cannot use the account for third-party funds.
Channels and integrations
Official sources
Public information reviewed on August 9, 2026. Criteria may change without notice, so current requirements are reconfirmed with the organisation before applying.
IMPORTANT / NO APPROVAL GUARANTEE
This page is informational and does not state a partnership between CrystalCore and Qonto. Availability depends on company jurisdiction, UBO residence and citizenship, activity, markets, turnover and an independent KYC/KYB/AML review. Qonto makes the final decision.