bunq Business vs Qonto: what each publishes
As of October 7, 2026
The published rules of bunq Business and Qonto, side by side: which industries each excludes or accepts, where owners must live, which countries each names, the licence each holds and the fees each publishes. Each answer links to the page that quotes the rule with the date we read it.
This is not a ranking, and the two names are in alphabetical order. Either provider may still decline your company because of its activity, where it is registered, where its owners live or which licence it holds. The free check applies the rules of every provider in our base to your answers.
Policy by industry
| Industry | bunq Business | Qonto |
|---|---|---|
| Crypto | No | Depends on the activity |
| iGaming | No | No |
| Adult | No | No |
| Unlicensed financial services | No | No |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | No | No |
| Marketplace | No published rule | No |
bunq Business
QontoLicence
| Licensee | bunq Business | Qonto |
|---|---|---|
| Licensee | bunq B.V. · bank licensed by De Nederlandsche Bank (Netherlands, DNB register R127999) | Qonto SA · payment institution authorised by the ACPR (CIB 16958) |
| Regulator | De Nederlandsche Bank · | ACPR · |
Where owners must live
bunq Business
You cannot open a Business account if any UBOs or non-executives reside outside of the EEA.
Qonto
No published rule
Rules about countries
bunq Business
Your business needs to be legitimate and registered in one of the following countries: the Netherlands, Belgium, France, Germany, Austria, Spain, Italy, Ireland, or Portugal.
Austria, Belgium, France, Germany, Ireland, Italy, Netherlands, Portugal, Spain
Qonto
Qonto is available in 8 markets: France, Italy, Spain, Germany, Portugal, Belgium, Austria, and the Netherlands. Foreign companies can open a Qonto account if they are registered and headquartered in one of these countries.
Austria, Belgium, France, Germany, Italy, Netherlands, Portugal, Spain
Fees
bunq Business
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| bunq Core Business | Not stated | EUR 7.99 a month, 5 accounts included; the first three directors free, then EUR 5.99 a month for each further director | · Source |
| bunq Pro Business | Not stated | EUR 13.99 a month, 25 accounts included; the first three directors free, then EUR 5.99 a month for each further director | · Source |
| bunq Elite Business | Not stated | EUR 23.99 a month, 25 accounts included; the first three directors free, then EUR 5.99 a month for each further director | · Source |
Qonto
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Basic (self-employed) | Not stated | EUR 9 + VAT (monthly equivalent of an annual plan billed EUR 108; monthly billing also available, price not shown) | · Source |
| Smart (self-employed) | Not stated | EUR 19 + VAT (monthly equivalent, billed annually at EUR 228) | · Source |
| Premium (self-employed) | Not stated | EUR 39 + VAT (monthly equivalent, billed annually at EUR 468) | · Source |
| Essential (business teams) | Not stated | EUR 49 + VAT (monthly equivalent, billed annually at EUR 588) | · Source |
| Business (business teams) | Not stated | EUR 109 + VAT (monthly equivalent, billed annually at EUR 1,308) | · Source |
| Enterprise (business teams) | Not stated | EUR 199 + VAT (monthly equivalent, billed annually at EUR 2,388) | · Source |