In April 2016, Qonto launched a bank account for business clients and was the first of its kind in France. The fintech’s project aims to help businesses and entrepreneurs easily and quickly open a business account, obtain payment cards and accounting services.

In 2019, Qonto announced it was extending its services to Italy, Spain and Germany.

In 2021, Qonto became a unicorn (a company valued at over 1 billion dollars).






Fully digital offer 

  • In Europe, the segment of the SME bank account market is valued at 30 billion euros.
  • In Europe there are more than 23 million SMEs.
  • Qonto raised 10 million euros in 2017 and 20 million in 2018.
  • In 2020, Qonto served more than 100,000 clients.

The problem identified by Qonto

The goal was to offer a service that would simplify the process of opening a business bank account with just a few clicks while including a range of services specific to Qonto.

The deployed solution

  • Qonto used Treezor’s API and its Electronic Money Institution license
  • Qonto launched a fully digital offer for entrepreneurs and SMEs
  • Management of the entire regulatory part.
  • Management of the core banking, processing and incoming and outgoing payments.
  • Creation and management of wallets, IBANs and issuing of payment cards.

Discover the possibilities of embedded finance!

We have chosen to give the floor to companies that use a BaaS solution to understand the extent of the benefits offered by embedded finance.


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