Account Remuneration rewards businesses and associations for actively using their Qonto payment accounts - it's our way of giving back to you for choosing Qonto for your business payments!
If your organization meets the eligibility requirements and an Owner or Admin activates Account Remuneration, you can earn remuneration based on your daily eligible balance and price plan. Monthly payouts are subject to the Programme’s payment conditions, including the minimum qualifying transaction requirement.
For more details about how to activate and use this feature, see our dedicated FAQ: "How can I use Account Remuneration?"
Can I get remuneration on my Qonto account?
Who is eligible?
To be eligible for Account Remuneration, you must meet the following criteria:
- Have an activated account and access to Qonto with an Admin or Owner role
- Have a price plan from Smart and above (Basic plan excluded)
This offer is strictly limited to tax residents of the respective country (organizations, legal representatives, or UBOs).
☝️Account Remuneration is subject to additional eligibility checks beyond the requirements listed above. Having a supported price plan or upgrading your plan does not guarantee access to the feature. Depending on your eligibility, Account Remuneration may not be available in your app.
If Account Remuneration is available for your organization, an Owner or an Admin can activate it in the app. Activation alone does not guarantee a monthly payout: the monthly payment conditions must also be met.
What are the conditions for receiving a monthly payout?
Once Account Remuneration is activated, your organization must complete at least five qualifying, settled payment transactions per calendar month to receive remuneration for that month. These transactions are counted across your organization’s internal Qonto current accounts. Not all transaction types qualify.
If you do not meet this monthly activity requirement, Account Remuneration remains activated, but you will not receive remuneration for that month.
In which countries is it available?
Account Remuneration is currently available for businesses based in 🇫🇷France, 🇪🇸Spain, 🇮🇹Italy and 🇳🇱 Netherlands.
Do I need to pay any fees to use it?
Good news! You don't need to pay any fees to activate or use Account Remuneration.
Since the remuneration is applied directly to your existing Qonto accounts, there are no separate accounts created, no withdrawal process needed, and no hidden fees. Your funds remain in your regular accounts with full access at all times.
How does my remuneration work and when do I receive it?
What balance is remunerated?
Every night at midnight, the system automatically calculates your remuneration based on your settled balance across all your active internal Qonto accounts. Your settled balance refers to all completed transactions that have been processed and are available in your accounts.
The remuneration calculation is applied up to the maximum cap allowed for your specific price plan - any funds above this threshold won't generate additional remuneration.
How is my remuneration calculated?
The daily calculation uses your price plan's Annual Equivalent Rate (AER), which is applied to your settled balance from the previous day. The amount payable depends on your eligible daily balance, applicable rate and cap, and whether you meet the Programme’s monthly payment conditions.
When and how am I paid?
If you meet the Programme’s monthly payment conditions, remuneration for the previous month is automatically credited to your main account on the 2nd day of the following month. If you do not complete at least five qualifying, settled payment transactions during the month, you will not receive remuneration for that month.
The promotional rate applies only to new customers who activate Remuneration within 60 days after Qonto account validation. The offer remains available after the 2 month period, the default AER rate will then be applied.
How will Account Remuneration appear on my account?
There is a specific transaction method labeled “Remuneration”. Each monthly earning will be clearly identified with this label as part of your transaction history.
Additionally, you can easily justify these by downloading your monthly bank statements - showing all remuneration amounts - directly from Business Account > Accounts.
How is my remuneration rate determined?
Eligible new customers have 60 days from the date Qonto approves their business verification to activate Account Remuneration and qualify for the promotional rate. If activated within this window, the 5% annual promotional rate applies for 60 days from activation. After that, the standard rate for the customer’s current price plan applies. Customers who activate after the initial 60-day window receive the standard rate only. Monthly payouts remain subject to the Programme’s payment conditions.
How often are the rates updated?
Rates may be updated periodically based on market conditions, with the European Central Bank (ECB) rate serving as our primary reference. You can always view your current applicable rate in your Account Remuneration detail page.
How do price plans apply different rates to remuneration?
Each price plan has specific AER rates:
The rates below apply to eligible customers who have activated Account Remuneration. Having a supported price plan or upgrading your plan does not guarantee access to the feature.
| Price plan | Cap (unchanged) | Standard rate | KYB promo rate | Promo duration |
|---|---|---|---|---|
| Smart | €50,000 | 1.5% | 5% | 60 days |
| Premium | €100,000 | 1.5% | 5% | 60 days |
| Essential | €200,000 | 1.5% | 5% | 60 days |
| Business | €200,000 | 2% | 5% | 60 days |
| Enterprise | €200,000 | 2.5% | 5% | 60 days |
| Basic | - | - | - | - |
You can use this simulator to estimate potential remuneration for each plan. Estimates do not confirm your eligibility or guarantee a payout. Actual remuneration depends on your applicable rate, eligible balance, cap and fulfilment of the Programme’s monthly payment conditions.
Note: All rates are subject to change based on market conditions and regulatory requirements.