Today, more and more professionals are choosing an online bank for their business accounts. Business owners are being tempted by this alternative to the traditional physical bank, looking for time-saving and services that meet their needs. Through simple, ergonomic applications specially designed for them, customers can benefit from cost-effective offers for simple, efficient management of their account and bank card, as well as their expense reports and payment terminal receipts.
In this article, we will compare the offers and services provided by Qonto and Anytime.
Introducing Qonto online banking for professionals
The neobank Qonto was launched in 2016. It offers business accounts to companies registered in France (SA, SAS, SASU, SARL, SC & SCI, EURL, liberal professions, micro-enterprises). As with Anytime, you get a package including a French IBAN, a bank card and additional financial services: payment terminal, capital deposit, cheque cashing...
Qonto rates in detail
The Qonto online pro account is made up of 4 distinct offers, ranging from €9 to €299 ex VAT per month.
On the Qonto website, micro-entrepreneurs are invited to choose the Solo offer, while the more expensive Standard, Premium or Corporate offers are aimed more at businesses.
The 4 offers
| Carte One | Card more | |
| Solo | 9 excl. VAT per month or €108 excl. VAT per year | 15 per month or €180 per year excluding VAT |
| Standard | 29 per month or €348 per year excluding VAT | 35 per month or €420 per year excluding VAT |
| Premium | 99 excl. tax per month or €1,188 excl. tax per year | 105 per month or €1,260 per year, excluding VAT |
| Corporate | 299 per month or €3,588 per year excluding VAT | 305 per month or €3,660 per year excluding VAT |
Comparison of rates for a Qonto business account with the Anytime business account
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|---|---|---|
| Anytime | Qonto | |
| Accepted legal forms | SA, SAS, SASU, SARL, EURL, EI(RL), SCI, Professions, Associations and Auto-entrepreneur in natural and legal person. Find out more here. | All types of companies and self-employed |
| Offer name | Start | Solo One |
| IBAN | FR or BE | FR |
| Monthly package | 9.50 INCL. VAT | 9 € INCL. VAT |
| Personal account option | Yes | No |
| Movement commissions | 0€ | 0€ |
| Bulk transfers | Yes | Yes |
| SEPA transfer included | 100 | 60 |
| Credit or overdraft authorisation | Under certain conditions | No |
| Bank card type | MasterCard | MasterCard |
| Card settings (blocking, limits, etc.) | Yes | Yes |
| Number of cards included in the package | 1 | 1 |
| Number of virtual bank cards included in the package | 50 | 0 |
| Cheque cashing included in offer | No | No |
| Card payment fees abroad | 0% | 2% |
| Foreign currency withdrawals | 2 per withdrawal | 1 per withdrawal + 2% per payment |
| Card payment in euros | Unlimited and free of charge | Unlimited and free of charge |
| International SWIFT transfers | Unlimited and free of charge | 5 per transfer + 0.9% on outgoing transfers |
| Payment terminal | Free! 🎁 | iZettle €19 + 1.75% per transaction |
| Stand-alone payment terminal | Yes with Smile & Pay | No |
| Payment button and payment link | Yes | No |
| Capital deposit | Yes (+69€) | Yes (+69€) |
| Real-time notifications | Yes | Yes |
| Dashboard, invoice printing and accounting software | Yes | No |
| Unlimited statement downloads | Yes | Yes |
| Factoring | Yes optional | Yes with Edebex |
| Financing your purchase orders | Yes optional | No |
Opening a pro account online with Qonto or Anytime: a similar procedure for companies and the self-employed
Forget tedious account opening procedures: when you open an account with a neobank, whether Anytime or Qonto, you get your RIB in just ten minutes. All the steps are taken online, and your account is quickly validated.
The advantages of opening an online account with Anytime
The basic package of the Anytime pro account, the Start package, includes :
- A business account with an IBAN in FR or BE
- A personal account with an IBAN in FR or BE
- 1 free Mastercard
- 50 single-use virtual cards
You'll also benefit from an ever-expanding range of services to support you in your business life: capital deposit with payment of fees when you obtain your Kbis, expense account management, factoring, invoicing software, payment terminals... Services that are constantly evolving to best meet your needs as an entrepreneur.
You can change your package at any time as your business evolves: we support you throughout your professional life, and have the services you need as you grow.
Several cards for several uses
At Anytime, you can choose from a multitude of cards depending on the offer you choose, at no extra cost!
- From 1 to 20 cards for recurring use. Plastic or virtual, your choice.
- 50 to 1,000 single-use virtual cards to secure your online purchases.
- No additional charges on your foreign transactions, in euros!
- Card limits adapted to your needs, depending on your choice of card
Anytime, a preferred partner for associations
While the Qonto pro account does not accept associations, the Anytime pro account accepts all associations. It's an economical, easy-to-use account for managing your association.
A personal account
You can take advantage of our services to manage both your business finances and your personal and family expenses. You have two accounts in a single package to manage all aspects of your daily life.
Personalized follow-up
You also have access to a team of advisors who respond quickly! So you get personalized follow-up.
With Easy, Boost, Business or Corporate offers, you can also reach us by phone whenever you like.
How do I open an Anytime pro account?
To guarantee your security and prevent identity theft, we carry out a video identity check.
All you need to open an account with Anytime is your ID.
You'll receive your RIB within ten minutes. The account is then validated within 48 hours.
Open a business account today and opt for a fast, simple and innovative solution.
Take a look at our comparison of neobanks and our comparison of professional banks.
