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Qonto - Business Finance App
Qonto · 40,980 ratings · ★ 4.3
4.3
★★★★★
40,980 ratings
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Top complaints - extracted from 40 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"service"
14 negative reviews mention this · 35% of all complaints
★★★★★ "I'm already paying for this, but I have to upgrade to add attachments to my invoices. This is not a legit business banking service. It's another growth hack" - Joe
2
"qonto"
12 negative reviews mention this · 30% of all complaints
★★★★★ "I received an email requesting additional info relating to my company (DE), been using Qonto for over 2y, without any problems. I uploaded my PDFs immediately, completed the questionnaire. So, after some months I received an email to say th…" - David Riding
3
"without"
10 negative reviews mention this · 25% of all complaints
★★★★★ "I received an email requesting additional info relating to my company (DE), been using Qonto for over 2y, without any problems. I uploaded my PDFs immediately, completed the questionnaire. So, after some months I received an email to say th…" - David Riding
4
"account"
10 negative reviews mention this · 25% of all complaints
★★★★★ "I received an email requesting additional info relating to my company (DE), been using Qonto for over 2y, without any problems. I uploaded my PDFs immediately, completed the questionnaire. So, after some months I received an email to say th…" - David Riding
5
"support"
8 negative reviews mention this · 20% of all complaints
★★★★★ "I received an email requesting additional info relating to my company (DE), been using Qonto for over 2y, without any problems. I uploaded my PDFs immediately, completed the questionnaire. So, after some months I received an email to say th…" - David Riding
6
"bank"
8 negative reviews mention this · 20% of all complaints
★★★★★ "I'm already paying for this, but I have to upgrade to add attachments to my invoices. This is not a legit business banking service. It's another growth hack" - Joe
7
"compte"
6 negative reviews mention this · 15% of all complaints
★★★★★ "La plate-forme promets 12 heure pour depot de capital, ça fait 72h que j'attends l'ouverture (ou pas) du compte, aucun retour, le service client dit qu'il vont revenir vers moi dans la journée, mais aussi aucun retour. j'abandonne, mauvaise…" - Rami Raouagi
8
"client"
6 negative reviews mention this · 15% of all complaints
★★★★★ "La plate-forme promets 12 heure pour depot de capital, ça fait 72h que j'attends l'ouverture (ou pas) du compte, aucun retour, le service client dit qu'il vont revenir vers moi dans la journée, mais aussi aucun retour. j'abandonne, mauvaise…" - Rami Raouagi
9
"plus"
6 negative reviews mention this · 15% of all complaints
★★★★★ "4j d'attente et ça continue pour un changement d'adresse malgré l'envoi des pièces justificatives. Silence radio en ce qui concerne le chat, l'option la plus "rapide". Par téléphone on m'a promis 2 fois que cela serait résolu dans la journé…" - Thomas Boutin
10
"experience"
5 negative reviews mention this · 13% of all complaints
★★★★★ "very bad experience he block my account 2 times ask me a lot of paper. I have a customer I put it in customer list on the app, I made a invoice with the Qonto service I received an amount of money with the same name and a lil bit less than …" - Thomas Vrdt
11
"help"
5 negative reviews mention this · 13% of all complaints
★★★★★ "fraud !! very disrespectful towards the clients.. no customer service available at (contact us) they hire a very stupid people whom they can't help with anything and they are useless!! I don't recommend at all I lost a 1000€ because they di…" - Donnie BRASCO
12
"service client"
4 negative reviews mention this · 10% of all complaints
★★★★★ "La plate-forme promets 12 heure pour depot de capital, ça fait 72h que j'attends l'ouverture (ou pas) du compte, aucun retour, le service client dit qu'il vont revenir vers moi dans la journée, mais aussi aucun retour. j'abandonne, mauvaise…" - Rami Raouagi
📋 All 40 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
I'm already paying for this, but I have to upgrade to add attachments to my invoices. This is not a legit business banking service. It's another growth hack
La plate-forme promets 12 heure pour depot de capital, ça fait 72h que j'attends l'ouverture (ou pas) du compte, aucun retour, le service client dit qu'il vont revenir vers moi dans la journée, mais aussi aucun retour. j'abandonne, mauvaise expérience dès le début
very bad experience he block my account 2 times ask me a lot of paper. I have a customer I put it in customer list on the app, I made a invoice with the Qonto service I received an amount of money with the same name and a lil bit less than the invoice like 1/3 but Qonto blocked me and now I'm without food by 2 days and I cannot continue to make my activity for my customer.
fraud !! very disrespectful towards the clients.. no customer service available at (contact us) they hire a very stupid people whom they can't help with anything and they are useless!! I don't recommend at all I lost a 1000€ because they didn't help me with a fraud transaction very low level and you have no one to complain to about their very mediocre services
This bank is holding my funds without explanation. They gave me a written deadline of May 6th, 2026 for a decision, but when the day came, they ignored their own promise and stopped replying to my emails. It is unacceptable to withhold money and ignore customers. I will be exposing this experience on my YouTube, TikTok, and Instagram to warn others. Avoid this bank at all cost.
This bank is holding my funds without explanation. They gave me a written deadline of May 6th, 2026 for a decision, but when the day came, they ignored their own promise and stopped replying to my emails. It is unacceptable to withhold money and ignore customers. I will be exposing this experience on my YouTube, TikTok, and Instagram to warn others. Avoid this bank at all cost.
Terminated my account without reason and notice, creating a huge amount of administrative issues.
ID verification is full of Bugs. Still waiting for a response from Qonto Support.
account suspended without notification. We have provided all the documents no progress since the beginning of April. We will not trust our company funds to this bank anymore.
Their AI is a pain. And it is everywhere - I uploaded a tax document and it registered me as my tax office instead of my business. I asked to change this and it tries to help me navigate a menu that's no longer used. After 3 more tries it finally forwarded me to service and guess what they used AI to scan my document again. Response time in their "chat" is 30min. And don't get me started on their support. For authentication they are using India service worker, who barely speak English.
worst experience super unprofessional bank. no notice period or any warning . nothing . I would not recommend this bank for long term to any body.
appli ok mais banque qui charge 2€ par retrait alors que je paye presque 15€ par mois. c'est du vol.
Bad system
ridicule
The agent did not help me and no response even said to transfer my request.
scammers
Client depuis 3 ans. Depuis 6 jours nos déplacements de trésorerie, de compte à compte interne Qonto, sont marqués en attente et non exécutés. Le bot du chat nous a passé un humain qui nous a dit instantanément "j’escalade au service compétent". Depuis plus de nouvelle et personne ne répond sur le chat C’est toute notre activité qui se retrouve en danger. Alors que nous avons la trésorerie, nos prélèvements urssaf, la tva, les salaires risquent d’être rejetés. C’est tout bonnement inadmissible.
Je pense qu'on peut facilement dire que c'est la pire banque.. je souhaitais créer mon compte asso 1901 car qonto semblait sur le papier être les plus compétitifs. mais viens la vérification d'identité qui m'est impossible +30 essais de différentes manières a chaque fois, le service client (par téléphone et message) qui force la politesse et répondent comme des IA avec des réponses générique (on va transmettre..) . Le délai est tellement long (3 semaines) que Qonto va supprimer mon compte inacti
Depuis 13 jours, mon compte est en cours de validation par l’équipe de Qonto. C’est un délai exceptionnellement long, qui contredit toutes les promesses, même les plus modestes, faites par Qonto. L’application obtient donc une étoile sur cinq : difficile de lui mettre plus lorsqu’elle occupe de la place sur le téléphone sans fonctionner.
app keeps on crashing. has lot of bugs.
Worst customer support ever.
the interface is constantly trying to upsell you stuff, the support is miserable, some online payments fail and you don't know why
bad experience, I don't recommend
Extremely disappointed with Qonto. After completing full verification and submitting all documents, they closed my account without warning or explanation. No transparency, no chance to respond. As a new entrepreneur, I expected support, not judgment or exclusion. Their vague, unhelpful support left me stranded and unable to access my funds. If you value fairness, reliability, professionalism, and inclusivity, look elsewhere. Worst bank in the world!
Validating account take so much time.
J'étais très satisfait de Qonto jusqu'au weekend dernier. J'ai activé la fonctionnalité "Facturation électronique". Je découvre après l'avoir fait que cela rend impossible par la suite l'import de facture en masse. Il n'y avait aucune alerte à ce niveau là. J'ai près de 200 factures à régler par mois et je ne peux pas les faire manuellement. J'ai écrit au service client immédiatement et je n'ai plus aucune nouvelle après près de 2 jours. Aucune réponse par mail, aucune réponse sur le chat, aucun
Schlechter Kundendienst. Zu teuer. Unfreundlich.
joke of a challenger bank. closed the account with no motivation. no wonder bank of Italy is shutting them down
bad app
Service client désagréable, compte bancaire non fiable, fermé sans aucune raison
Basito per il comportamento per nulla professionale di questa pseudo-banca. Peccato che non sia possibile mettere 0 stelle.
Déçu par Qonto après plusieurs années de service. Mon compte clôturé depuis plus d’un an a malgré tout été débité. Aucune prise de responsabilité de leur part, renvoi systématique vers le client, et absence de solution concrète. Le sérieux et la sécurité attendus d’une banque ne sont clairement pas au rendez-vous. Ce manque de rigueur est inacceptable pour une entreprise. Je ne recommande plus Qonto et ferme mes autres comptes chez eux.
worst company, they will close your account without reason on any date
I'm in trouble from last 3 months, my amount is stuck in qonto, messaging every day but no answer, email on weekly basis, whenever I try to transfer to my supplier it's server error nothing else, qonto bank is not replying , very much disappointed with the service
I'm trying to reach you by qonto app,but no one is replying please help me out,my account outbound is blocked from December till now, I have emailed on daily basis but no actions,is this the service you're giving to your VIP clients...?very much disappointed,my business is totally stopped, can't transfer my own payment to supplier, humble request for solve this issue asap, I think 3 months are already too much, hopefully someone will get to me in 24 hours like other Banks do, waiting ... .....
absolutely terrible service. they discriminate theirs clients without even giving reason for refusing the service. you probably don't want to associate with such bank, in case you face difficulty they won't be there to help instead they will close your bank account (without reason). not the banking partner you should rely on. I give them a negative star ranking if it was possible
I received an email requesting additional info relating to my company (DE), been using Qonto for over 2y, without any problems. I uploaded my PDFs immediately, completed the questionnaire. So, after some months I received an email to say that the account will be closed within 30 days, I didn't upload the docs apparently! A system error! I've tried to contact cust support many times. I have a ticket number only. This has come at a bad time because my accountant needs access for the YE data.
4j d'attente et ça continue pour un changement d'adresse malgré l'envoi des pièces justificatives. Silence radio en ce qui concerne le chat, l'option la plus "rapide". Par téléphone on m'a promis 2 fois que cela serait résolu dans la journée ou qu'on me rappellerait, sans évidemment qu'il y ait de suite. C'était déjà une calamité de changer d'adresse via les plateformes du service public. Qonto réussit l'exploit d'être encore pire. Qonto est lean.. sauf pour le support utilisateur. Dommage
what happened to the Reference field in each completed Transaction???? I can't see any details anymore of a Transfer in the mobile app. Also the "Transfer again" feature?? that was honestly my most used feature (button). it let's me super quickly make the same/similar transfer without having to fill in all those annoying fields by starting from scratch. Team, please get it back. it distributed my entire paying-bills-process! otherwise, I love the app, it's super user friendly.
SSO with Google doesn't work anymore, since 4+ weeks. It's impossible to log in. Reset password depends on app login. Support has been silent for 7 days.
Sentiment summary
78%
Positive (4-5★)
7%
Neutral (3★)
15%
Negative (1-2★)