# Qonto

> Qonto is a French business neobank offering SME accounts, cards and spend management across Europe.

Source: https://www.neobank.wiki/wiki/qonto
Last updated: 2026-08-11
Categories: Financial technology, France neobanks, Licensed neobanks, Business neobanks, Companies founded in 2016

**Qonto** is a French business [neobank](/wiki/neobank) founded in 2016 in Paris. It provides business accounts, payment cards and spend-management tools for freelancers and SMEs across several European markets.[^qonto1]

## History

Qonto launched in France to modernise SME banking and expanded into markets including Germany, Spain and Italy. It operates under e-money / banking partnership structures depending on jurisdiction while pursuing deeper licences over time.

## Founders

**Alexandre Prot** is co-founder and chief executive officer of [Qonto](/wiki/qonto), the Paris-based European business [neobank](/wiki/neobank). A former McKinsey consultant, Prot co-founded Qonto in 2016 to modernise banking, cards and spend management for freelancers and SMEs frustrated by high-street business accounts. He has led Qonto's expansion across France, Germany, Spain, Italy and other European markets and successive large funding rounds.

**Steve Anavi** is co-founder and president of Qonto. Also from a consulting background, Anavi partnered with Prot to build Qonto's product organisation and multi-country go-to-market. Together they positioned Qonto as one of Europe's leading business-finance platforms, bundling accounts, Mastercard debit cards, expense tracking and bookkeeping integrations.

## European expansion

Qonto launched in France and expanded into Germany, Spain, Italy and other European markets with business accounts, cards and spend management. Licensing and e-money structures vary by country as the company deepens its regulated footprint.

## Reception

Qonto is frequently cited as one of Europe's leading business [neobanks](/wiki/neobank), competing with [Tide](/wiki/tide) and traditional banks' SME digital offers. Strong NPS and large funding rounds underpin its "finance OS for SMEs" positioning.

## Products

Products include business current accounts, multi-user access, Mastercard debit cards, expense tracking, invoicing and bookkeeping integrations aimed at small companies and startups.

## Infobox

- **Type**: Private
- **Founded**: 2016
- **Founders**: Alexandre Prot, Steve Anavi
- **Headquarters**: Paris, France
- **Focus**: SME / freelancers
- **Model**: Business neobank / e-money

## Frequently asked questions

### What is Qonto?

Qonto is a French business neobank offering SME accounts, cards and spend management across Europe.

### When was Qonto founded?

Qonto was founded in 2016.

### Where is Qonto headquartered?

Qonto is headquartered in Paris, France.

### Who founded Qonto?

Qonto was founded by Alexandre Prot, Steve Anavi.

### What type of company is Qonto?

Qonto is described as Business neobank / e-money in its neobank.wiki profile.


## References

[^qonto1]: Qonto provides business financial accounts and payment services under EU regulatory frameworks that vary by country. — https://qonto.com/en/about