Qonto promo code 2026: the partner link to set up your company and open a business account

You are setting up a SASU, SAS, EURL or SCI in France and looking for a Qonto promo code before opening the capital deposit. There is nothing to type: most "promo code" pages copy an outdated referral offer. Here is what actually exists in 2026, the firm's two partner links, the prices taken from Qonto's official fee schedule and the full sequence of a company formation with an online capital deposit.

Quick answer. Qonto does not publish a permanent public promo code in 2026. Benefits come through customer referrals, partner links (chartered accountants, incubators) and temporary offers shown on qonto.com. With a partner link there is nothing to enter, and Qonto shows the applicable terms before you confirm anything. The capital deposit costs 69 euros excluding VAT, on top of the subscription.

Hayot Expertise is a member of Qonto's partner programme. Pick the link that matches your situation:

• You are forming a company (SASU, SAS, EURL, SARL, SCI, SNC, SELARL): deposit your share capital with Qonto.
• Your company is already registered, or you are a sole trader: open a Qonto business account.

These are affiliate links. They do not change our advice: if another bank suits your business better, we will tell you. Only the terms shown by Qonto when you sign up are binding.

No, not in the sense of a single code to enter. Benefits come through three channels:

• Customer referrals: an existing Qonto customer invites a business, with a reward that depends on card spending in the first weeks. Qonto's referral terms forbid the referrer from sharing the link on the internet, including on social networks, so a "code" found on a forum is not a channel Qonto provides for.
• Partner links from chartered accountants, incubators and founder networks, like the ones on this page.
• Temporary offers published on qonto.com, often limited to a specific profile, for example companies that are already registered.

Referral amounts differ between Qonto's own pages and change during the year. We will not promise a figure that may be wrong tomorrow: Qonto shows the applicable benefit before you confirm anything.

Picking the wrong link is not serious but costs time: the business account flow does not issue a capital deposit certificate.

1. Choose the legal form. SASU or EURL if you are alone, SAS or SARL with partners, SCI for real estate. This choice sets your social security status as a director and your taxation: see SASU or EURL.
2. Set the capital and prepare the articles. The amount of share capital is free; Qonto asks for at least 1 euro per shareholder. The draft articles state the company name, registered office, corporate purpose and the split of the capital: see how much share capital to set.
3. Open the online capital deposit. You enter the company and shareholder details, then upload the documents: ID for each shareholder, the articles or draft articles, and proof of the registered office address dated less than 3 months.
4. Transfer the contributions. Each shareholder transfers their share. In an SAS at least half of the cash contributions must be paid up at incorporation, in a SARL at least one fifth, and the balance within 5 years: see paying up share capital.
5. Receive the deposit certificate. Qonto states that the deposit certificate is issued within 12 working hours after the funds are received and checked, Monday to Friday from 9 am to 6 pm.
6. Publish the legal notice and register the company. The file is lodged on the INPI one-stop portal with the certificate, the articles and the beneficial ownership declaration: see setting up an SAS from A to Z.
7. Release the capital. On presentation of the proof of registration (INPI summary or extract, or Kbis extract), the funds are released and the company can pay its first expenses: see the checklist for the first 30 days.

Contributions in kind. A contributions auditor (commissaire aux apports) is required in principle. In a SARL or SAS, the future shareholders may decide unanimously to do without one when no single contribution in kind exceeds 30,000 euros and their total does not exceed half of the capital; they then remain jointly liable to third parties for 5 years for the value given. The firm handles these engagements: contributions auditor.

Formation costs. The 69 euro deposit fee, the legal notice and the registration fees can be taken over by the company once registered, provided they are documented: see expenses incurred before registration.

Abandoned formation. If the company is not registered within 6 months of the first deposit, the funds do not come back on their own: the shareholders go through a court application, or through a single representative acting for all of them with the depositary.

Prices excluding VAT, taken from Qonto's official fee schedule ("Offres et tarifs", applicable since 3 August 2026). Qonto highlights a monthly price based on an annual subscription; paying month by month costs more.

The 30-day free trial applies to existing businesses. A company being formed makes its first payment when it signs up to the plan.

Our recommendation by profile#

• Consulting SASU or EURL with few transactions: Smart. Basic is enough in volume, but it has no accountant access, so the firm cannot retrieve your transactions automatically.
• Freelancer invoicing many small clients: Smart, for its 100 transfers a month.
• SAS with a few employees or partners: Essential, the first plan designed for a team, with 5 physical cards.
• SME, e-commerce business or agency with high volumes: Business, once supplier payments run into the hundreds each month.
• SCI or family holding company: Basic or Smart. There are few transactions (rent, dividends); choose Smart if the firm needs direct access to the flows.

Torn between a neobank and a traditional bank? Read our comparison Qonto vs Shine vs a traditional bank.

Qonto does not publish a rule on combining these channels. Compare the benefit shown before you confirm. A reward tied to card spending is easy to trigger for an active company, much less so for an SCI or holding company that spends little.

• Transferring the capital from an account that is not the shareholder's. The deposit proves each subscriber's contribution; a transfer from a third party complicates the check and delays the certificate.
• Proof of registered office older than 3 months. Domiciliation contract, lease or utility bill: it must be less than 3 months old at the time of the deposit.
• Articles that do not match the deposit. Same name, same registered office, same split of the capital: any gap between the draft lodged and the signed articles means redoing the file.
• Forgetting to release the capital. Until the proof of registration is sent, the funds stay blocked.
• Choosing the cheapest plan without accountant access. Exporting statements by hand every month costs more in bookkeeping time than the difference in subscription.
• Paying personal expenses with the company card. This is the first source of tax add-backs and of an overdrawn shareholder current account, which is prohibited for managers and individual shareholders of a SARL and for the president and directors of an SAS (articles L. 223-21 and L. 227-12 of the French Commercial Code).

A Qonto account opened on its own works very well for paying and collecting. Its value shows once it is connected to the accounts: each transaction reaches the firm with its receipt, VAT is pre-identified and bank reconciliation happens without any export.

• Before the deposit: consistency between articles, capital and split, to avoid a second certificate.
• At start-up: accountant access, categorisation rules, card and expense report policy.
• Every month: collecting missing receipts, checking deductible VAT, spotting personal expenses.

To go further: Qonto and your chartered accountant, our Qonto review, Pennylane vs Qonto and the documents needed to open a business account.

• There is no permanent public Qonto promo code in 2026; a partner link applies on click, with no code.
• To form a company, use the "deposit your capital" link: 69 euros excluding VAT, certificate within 12 working hours, at least one shareholder resident in France.
• The prices Qonto highlights assume an annual subscription; billed monthly, every plan costs more.
• Accountant access starts with the Smart plan: it is what lets the firm retrieve your transactions without exports.