Qonto Referral 2026 - Up to €160 each, verified
Up to €160 for the referrer and €160 for the referee (two €80 tiers)
The Qonto referral pays up to €160 to the referrer and the same to the referee, in two €80 tiers. Qonto is Europe's leading online business account for freelancers and SMEs: integrated invoicing, physical and virtual cards, team expense management and simplified accounting.
Who it's for and when
The Qonto referral is aimed at professionals: the referee must open a Qonto business account (company creation, freelancer, SME). It pays off especially when the referee genuinely plans to use the account day to day, since both €80 tiers depend on physical card spending and a paid subscription during the first 2 months.
How to get it, step by step
- Open the Qonto referral link from this page
- Create the referee's Qonto business account via this link
- The referee spends €50 with their physical card and pays a Qonto subscription within the first 2 months: €80 for the referrer and €80 for the referee
- If they reach €3,000 of physical card spending over the same period: €80 more each
Our analysis
The Qonto referral programme is one of the most generous among business accounts, with two symmetrical tiers: referrer and referee each receive €80 once the referee has spent €50 with their physical card and paid a Qonto subscription payment within their first 2 months, then €80 more each once the referee reaches €3,000 of physical card spending over the same period. That is up to €160 on each side. Caveats: only physical card spending counts towards the thresholds, the 2-month window starts at account opening, and the referee must be a new business client. The exact conditions are shown in the Qonto referral area.
Strengths
- Up to €160 for the referrer and the same for the referee
- Symmetrical reward: the referee earns as much as the referrer
- Full business account: invoicing, cards, accounting, multi-user
- Stackable across several referees
Things to watch
- Professionals only: the referee must open a Qonto business account
- Only physical card spending counts towards the €50 and €3,000 thresholds
- 2-month window after account opening to meet the conditions
- Tier 1 requires the referee to pay a Qonto subscription
Frequently asked questions
How much does the Qonto referral pay?
Up to €160 for the referrer and the same for the referee, in two tiers: €80 each once the referee has spent €50 with their physical card and paid a Qonto subscription within their first 2 months, then €80 more each once they reach €3,000 of physical card spending over the same period.
What conditions must the referee meet?
The referee must open their Qonto business account via the referral link, then, within their first 2 months: spend €50 with their physical card and make a Qonto subscription payment (tier 1, €80 each), and optionally reach €3,000 of physical card spending (tier 2, €80 more each).
What is Qonto?
Qonto is a French online business account for freelancers and SMEs, used by 500,000+ clients across Europe. It combines a business account, physical and virtual cards, invoicing, expense management and accounting tools, with responsive support.
Is the Qonto referral for professionals only?
Yes. Qonto is a business account: the referee must open an account in the name of a company or self-employed activity (company creation, sole trader, freelancer, SME). A private individual without a business activity cannot open a Qonto account.
When are the Qonto referral rewards paid?
Each tier is unlocked once its conditions are validated by Qonto: €80 each after the referee's €50 of physical card spending and subscription payment, then €80 more each after €3,000 of spending, all within the referee's first 2 months. The exact payout timing is set out in the Qonto programme conditions.
How many referees can you refer at Qonto?
The programme applies 'for each referred contact': you can refer several companies or freelancers and stack the rewards. Any cap or exclusions may appear in the programme conditions, to be checked in your Qonto area before referring at scale.
Does the referee need a paid Qonto plan?
Yes, to unlock tier 1: the conditions include a Qonto subscription payment made by the referee within their first 2 months. Qonto offers several plans (from Basic to team plans); paying one monthly instalment is enough to meet this condition.
Do virtual card payments count towards the thresholds?
No: the conditions shown in the Qonto referral area refer to spending made with the physical card, for both the €50 and €3,000 thresholds. The referee therefore needs to order their physical card and use it for the qualifying spending.
How do you share your Qonto referral link?
From the Qonto app or web interface, open the referral section: you can copy your personal link or send an email invitation directly from the interface. The referee must create their account via this link for the referral to be attributed.
Is Qonto a reliable, regulated institution?
Qonto is a licensed French payment institution supervised by the ACPR (the authority backed by the Banque de France). Client funds are safeguarded in line with European regulation. It is one of Europe's best-established B2B fintechs, with 500,000+ clients.
Offer verified on 2026-06-10