Using Account Remuneration is straightforward - activate it with a simple click, maintain regular payment activity, and understand your balance limits. Your funds remain fully accessible while generating earnings, and your money stays protected just like any other Qonto payment account.
For details about eligibility and how the feature works, see our FAQ: How can I use Account Remuneration?.
How can I activate and access Account Remuneration?
How do I activate remuneration?
Activating remuneration is simple - just read the Terms & Conditions and tick the checkbox in your account settings to confirm your agreement and tax residency. No additional contracts or paperwork are required!
- đ» To access it from your web app: go to âBusiness accountâ > âAccountsâ.
- đ± From your mobile app: go to âMenuâ > âAccountsâ.
Note: You also have the option to deactivate remuneration anytime from the Account Remuneration detail page. If you meet the eligibility conditions, youâll still be able to reactivate it later. However, note that doing so will reset the transaction count requirement (5 transaction per month).
Where can I find my remuneration details?
From the âAccountsâ section of both web and mobile app, you can view your remuneration details such as:
- your previous monthly earnings transactions
- your current rate and cap
- your estimated earnings for the current year
- your Qonto accounts being remunerated
Note: Admin, Owner, and Accountant roles can view remuneration information, though only Admin and Owner can activate or deactivate it.
Can I access or withdraw my funds anytime?
Yes, your funds remain completely liquid. You can access and withdraw your money whenever you need without any restrictions or penalties. Nothing will change about the payment functionality of your Qonto account.
What are the limits and requirements for Account Remuneration?
What is the minimum amount I need to keep?
There is a minimum of âŹ1 required in your account, but no specific minimum balance is required to earn remuneration.
Is there a maximum limit on the remunerated balance?
Yes, remuneration caps vary by price plan:
| Price plan | Cap |
|---|---|
| Smart | âŹ50,000 |
| Premium | âŹ100,000 |
| Essential | âŹ200,000 |
| Business | âŹ200,000 |
| Enterprise | âŹ200,000 |
You can estimate your possible remuneration per plan directly from this simulator.
Balances above these caps will not earn remuneration.
What do I need to do to keep remuneration active?
âïž You must complete at least 5 eligible transactions per month (minimum âŹ1 per transaction amount) across all your internal accounts.
The transactions must be settled within the month.
| Type | Eligible | Not Eligible |
| Outgoing |
Qonto card payments All Qonto cards are eligible, whether itâs for one-time transactions or for subscriptions that are regularly deducted from a card. SEPA transfers Transfers from your account to another account. SWIFT transfers (outgoing) International transfers sent from your Qonto account. |
Internal transfers between Qonto sub-accounts Transfers between sub-accounts of the same entity. Fees All fees related to account, transactions, commissions, etc. SEPA direct debit (outgoing) Your Qonto account is debited at the request of a third party, funds leaving your account. |
| Incoming |
Tap to Pay and POS transactions Physical payments accepted on mobile or via Qonto POS terminal. SEPA direct debit (incoming) Your clientâs account is debited and funds are credited to yours. |
Collection via payment link Payments received via third-party links (Mollie, Stripe, etc.). SWIFT transfer (incoming) I nternational transfers received on your Qonto account. Cheque deposit Depositing cheques into your Qonto account. Refunds All expense reimbursements, rebates, claims, etc. |
This requirement ensures that Account Remuneration remains an exclusive reward for clients who are frequent users of our payment account. By maintaining regular payment activity, you demonstrate that you're using your account for its intended purpose as a business payment solution.
Note: In the first month you activate remuneration, you must complete the five required transactions after activation and before the end of that month to earn your remuneration the next month.
How is my money protected when I use Account Remuneration?
Is my money safe?
Yes, your funds are safeguarded according to Payment Institution regulations. Client funds are protected through segregated accounts opened with partner banks Arkéa and Natixis.
Are my funds protected or insured?
Your funds benefit from the same protection as all Qonto payment accounts. As a Payment Institution, Qonto safeguards client funds in segregated accounts with established banking partners, ensuring your money is protected according to European regulations.
Note: All rates and conditions are subject to change based on market conditions and regulatory requirements. Please refer to the current Terms & Conditions for the most up-to-date information.