Qonto

Overview

Qonto is French B2B neobank for SMEs + freelancers + ACPR France credit institution licence post-Jul 2022 + ~600K+ business customers across France + Germany + Italy + Spain + Netherlands + Austria + Belgium + Portugal + European business banking unicorn ~€4.4B valuation Series D Jan 2022 [1, fr-cro].

History

Jul 2016 — Qonto founded by Alexandre Prot + Steve Anavi in France distinctive French B2B neobank heritage.

2017 — Qonto mobile + web business banking app launch + initial AISP payment institution license.

Jul 2022 — Qonto granted ACPR France credit institution licence + ECB authorization.

Jan 2022 — Qonto Series D €486M led by Tiger Global + TCV at ~€4.4B valuation French B2B fintech unicorn.

2024 — Qonto crosses 500K+ business customer milestone.

Ownership & operator

Operating entity: Qonto SAS (French B2B neobank for SMEs + freelancers; private).

Major shareholders: Tiger Global + TCV + Valar Ventures + Alven + Peter Thiel + Alexandre Prot + Steve Anavi co-founders.

Regulators: ACPR France + ECB + national regulators across 8 countries.

Technical integration

Qonto mobile app (iOS + Android; ~600K+ business customers) + qonto.com web + Qonto Mastercard prepaid business cards; SEPA + SEPA Instant + EPC-QR + Wero (post-EPI launch).

Implementations & partners

Major French + EU B2B neobank competitors: [[shine]] (Shine French B2B neobank for SMEs + freelancers; Société Générale subsidiary post-2020 acquisition) + [[memo-bank]] (Memo Bank French B2B neobank for mid-market businesses) + [[finom]] (Finom European B2B neobank for SMEs + freelancers) + [[holvi]] (Holvi Finnish B2B neobank for SMEs; BBVA subsidiary 2016-2022 then private) + [[revolut-business]] (Revolut Business UK + global B2B neobank for SMEs + freelancers) + [[wise-business]] (Wise Business UK + global B2B multi-currency account) + [[n26-business]] (N26 Business German B2B neobank) + [[sumup]] (SumUp UK + global SME payments + business banking).

Regulators: ACPR France + ECB + national regulators across 8 countries.

Status

Active, French B2B neobank for SMEs + freelancers + ACPR France credit institution licence post-Jul 2022 + ~600K+ business customers across 8 countries + European business banking unicorn ~€4.4B valuation Series D Jan 2022 [1, 2].

Sources

• 1 Qonto — official
• 2 Qonto — Wikipedia
• fr-cro In-corpus: reports/countries/FR-france.md

Source

Biography extracted from qonto.md. See matrix.md for standards-support matrix if present.