What OLINDA SAS does

OLINDA SAS, operating under the trade name Qonto, is a French payment institution that provides an all-in-one business finance platform for European freelancers, micro-businesses, SMEs, and associations. Headquartered in Paris at 18 rue de Navarin (9th arrondissement), the company is incorporated as a Société Anonyme and licensed by the ACPR (registration number 16958), with ISO 27001 certification and GDPR compliance. The platform combines a core business account with Mastercard debit and credit cards (One, Virtual, Plus), SEPA and SWIFT transfers, account remuneration earning up to 5% on balances, virtual cards, and Apple Pay/Google Pay support, alongside add-on modules for e-invoicing (with Certified Approved Platform status), expense management, accounting and bookkeeping, cash flow management, supplier invoice reconciliation, and credit facilities including overdraft and pay later. The platform is accessible via website, iOS, and Android with full self-serve onboarding that opens an account in 10 minutes and creates a company in 24 hours, supported by a public API and Qonto Embed for developer integrations and over 2,000 third-party tool connections.

Qonto operates a product-led, self-serve go-to-market motion with no physical branches. Revenue is generated through tiered monthly or annual subscriptions (self-employed, micro-business, SME plans), transaction-based fees on payment and card activity, and interest/credit income from the integrated financing suite and balance remuneration. Customer funds are safeguarded through a multi-bank structure spanning Crédit Mutuel Arkéa, Société Générale, Natixis, Rothschild Martin Maurel, Crédit Agricole CIB, and BNP Paribas, providing FGDR coverage plus standalone guarantees. The company serves more than 600,000 clients daily across France, Germany, Spain, Italy, Austria, Belgium, Portugal, the Netherlands, and the United Kingdom, with brand reputation reflected in 4.8/5 Trustpilot, 4.7/5 App Store, and 4.8/5 Google Play ratings. Qonto AI Agents, launched in 2024 and exposed via an MCP server, represent the company's most recent product expansion into autonomous financial workflows.

Name

OLINDA SAS

Legal name

Qonto SA

Website

https://qonto.fr

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Qonto (OLINDA SAS) is a French ACPR-licensed payment institution providing an all-in-one online business account with cards, payments, e-invoicing, expense management, accounting, credit, and AI agents for freelancers, micro-businesses, SMEs, and associations across eight European markets, serving 600,000+ clients.

Ownership category

akta.pro rank

Product category

Small Business Banking

NAICS

Software Publishers (5132), Custom Computer Programming Services (541511)

SIC

Finance Services (6199), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industry

Enterprise AI Data & Knowledge Platforms (Vector Databases, Knowledge Graphs) (HDAEANAH)

Keywords

• Business banking platform
• Payment cards
• E-invoicing software
• Expense management
• Company formation services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Business Account Subscriptions: Monthly or annual subscription fees for business accounts with varying tiers for self-employed, micro-businesses, and SMEs. Tiers include different feature sets and service levels.
2. Transaction Fees: Fees collected on payment transactions including SEPA transfers, SWIFT transfers, and card transactions
3. Credit and Financing Products: Revenue from overdraft facilities, pay later services, and credit card offerings integrated into the business account

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

OLINDA SAS, operating as Qonto, provides an all-in-one online business account platform combining business banking (accounts, Mastercard debit/credit cards, SEPA and SWIFT transfers), financial management tools (e-invoicing, bookkeeping, team expense management, cash flow management), company formation services, and working capital products (overdraft, pay later) for SMEs, freelancers, micro-businesses, and associations. The platform is delivered as a digital-first, self-serve product with built-in AI agents and over 2,000 external tool integrations.

Product overview

Qonto is an all-in-one business account platform offering a unified product architecture with a core business account as the foundation, supplemented by numerous integrated modules and services. The platform combines banking (accounts, cards, transfers), financial management (invoicing, accounting, expense management), company creation services, and financing solutions. Qonto AI agents provide built-in autonomous capabilities. Key products include the Business Account, Mastercard debit/credit cards (One, Virtual, Plus), E-invoicing with Qonto-certified compliance, Team Expense Management, Accounting & Bookkeeping, Company Creation, Capital Deposit, Payment Terminals (POS), Tap-to-Pay, Payment Links, Business Financing (Overdraft, Pay Later), Cash Flow Management, Quotes Management, and SWIFT Transfers. Over 2,000 external integrations enable connectivity with the user's existing tools.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Account Core online business account for SMEs, freelancers, micro-businesses, and associations. Includes SEPA and global SWIFT transfers, virtual cards, Apple Pay/Google Pay, account remuneration up to 5% on balances, and 24/7 human customer support. Accounts can be opened in approximately 10 minutes.
• Mastercard Debit & Credit Cards

Quantifiable outcome

• Open business account in 10 minutes
• +4 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature3 records

Partnerships

One partnership is on record.

• Chartered Accountants DirectoryminorChannel Partner/ Reseller/ DistributorNetwork of chartered accountant partners recommended to customers for accounting and bookkeeping services. Directory available on Qonto's website for customer referrals.

Scale indicators5 records

Recent moves6 records

Expansion highlights7 records

Emerging players

• Pleo: Danish SMB spend management platform offering company cards, expense management, and bookkeeping automation. Overlaps with Qonto on cards, expense management, and accounting — narrower focus but strong European SMB footprint.
• Spendesk: European SMB spend management platform combining corporate cards, expense automation, and AP workflows. Adjacent competitor to Qonto's expense management and corporate card modules across Europe.

Direct peers

• Wise (formerly TransferWise): Publicly listed UK fintech offering multi-currency accounts, international transfers, and business accounts targeting freelancers and SMBs. Closest peer to Qonto on cross-border payments and multi-currency SMB accounts.
• Starling Bank: UK challenger bank with a strong SMB banking franchise (business accounts, expenses, payments). Direct comparable on SMB banking proposition and PLG-driven account opening.
• Tide: UK SMB-focused neobank offering business accounts, invoicing, and expense management to over 500,000 SME customers. Highly comparable to Qonto on the SMB horizontal banking-plus-finance-tools thesis.
• Revolut: London-headquartered global neobank serving consumers and SMBs across Europe with multi-currency accounts, cards, payments, and increasingly business banking features. Direct overlap with Qonto on SME business accounts, cards, and cross-border payments.
• N26: Berlin-based European neobank with consumer and business banking products across most of Qonto's European footprint. Direct competitor for SME and freelancer accounts in Germany, France, Spain, and Italy.
• bunq: Dutch-headquartered European neobank with multi-country accounts, business banking, and recently expanded AI features. Direct overlap on SME and freelancer banking in Qonto's core Netherlands and broader European markets.
• Holvi: European SMB neobank (acquired by Banco Bilbao Vizcaya Argentaria) serving freelancers and small businesses with banking, invoicing, and accounting. Closely comparable to Qonto's freelancer/SMB positioning.

Regional players

• Mercury: US-focused SMB neobank for startups and growing businesses offering business accounts, cards, treasury, and integrations. Direct comparable product but operates exclusively in the US rather than Europe.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/getqonto
• YouTubemedium.com/qonto-way
• Facebookfacebook.com/getqonto
• LinkedInlinkedin.com/company/qonto
• Instagraminstagram.com/qonto

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OLINDA SAS