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Qonto logo

Qonto

Not Agent-Ready Yet
Agent-Ready SaaS Index · qonto.com · scored 2026-05-09 · rubric v2.0
Score 42 / 100
Accounting

Qonto scores 42/100 on xpay's Agent-Ready Index v2: partial pricing visibility; self-serve checkout is available.

See Qonto pricing summaryLive pricing page
Pricing
Qonto pricing
As of 2026-05-09 · qonto.com/en/pricing
Basic
Contact sales
Core business account
Local IBAN
Instant SEPA transfers
Payment links
Tap to Pay
Smart
Contact sales
All Basic features
4% AER remuneration then 1% after 2 months
Up to 100 transfers/month
Delegate bookkeeping
1 sub‑account
Premium
Contact sales
All Smart features
Up to 200 transfers/month
Priority support 7 days a week
4 sub‑accounts
Score breakdown · rubric v2.0
How Qonto scores on the agent-ready dimensions

Public pricing visibility

15 / 15

Self-serve checkout

15 / 15

Public API + docs

0 / 20

Usage-based / metered pricing

0 / 20

Free entry path

0 / 7

No sales call required

7 / 7

Card / wallet / x402 payment

5 / 6

Machine-readable bonus (MCP / OpenAPI)

0 / 10

Total
42 / 100
Agent purchase verdict
Can an autonomous agent transact here?
Agent-ready
LLM score: 60/100

Can create account

Yes

Can enter payment method

Yes

Can upgrade plan

Yes

Can buy more usage

Yes

Can cancel online

Yes

Payment methods

card

Human approval recommended

No

Pricing transparency

full

Purchase motion

self_serve

Demo required

No

Quote required

No

Annual commit required

No

Auto-renewal mentioned

Yes

Cancellation policy visible

No

Refund policy visible

No

Invoice payment available

No

Purchase orders supported

No

MSA required

No

DPA available

No

Security review required

No

Trial

30 days (card required)

Enterprise signals
Trust & compliance

SSO / SAML

Unknown

RBAC

Unknown

Audit logs

Unknown

Data residency

EU

Competitive intel
Positioning & ecosystem
Headline

“A plan for every business”

Buyer persona

smb
mid market

Agent purchase simulation
Six-step check: can an agent actually buy from Qonto?
✓

Discover price

✓

Select a plan

✗

Pay per task

✗

Avoid a sales call

◐

API docs without auth

✗

Estimate cost upfront

Analysis
Pros and cons for AI agents
Observational summary written by xpay from the signals captured on 2026-05-06. Not a review of the product — only of its current pricing posture for agent buyers.
✓ For an AI agent
  • Pricing is publicly visible on an indexable page — agents can read tiers without scraping past auth.
◐ Opportunities for the provider
  • No per-unit price was advertised, so an agent has no way to estimate the cost of a single task.
  • All advertised tiers route to a sales contact form; an agent cannot complete a purchase autonomously.
  • API documentation is gated or absent; an agent cannot inspect the integration surface without authentication.
  • No /.well-known/ai-pricing.json or equivalent machine-readable pricing manifest is published — agents must rely on HTML scraping.
One-line fix
How Qonto could lift its score

Add a per-unit price (e.g. $X / 1K calls) to the pricing page so an agent can compute its own cost before committing.

pricing_visible

true

headline_phrasing

Pricing: Qonto | Find the right plan for your business — TrustScore 4.8 | 56,053 reviews

tier_count

8

lowest_paid_entry_usd

null

free_tier

false

free_tier_terms

null

per_unit_price

null

annual_required

false

self_serve_paid_tiers

0

sales_only_tiers

1

public_api_docs_url

null

api_docs_auth_walled

null

ai_pricing_json_present

false

agents_txt_present

false

anonymous_purchase_path

false

per_unit_classification

null

usage_headline_present

false

custom_tier_present

true

agent_friendly

{"ai_pricing_json":false,"agents_txt":false,"llms_txt":false,"sitemap_xml":false,"mcp_server_card":false,"agent_skills_index":false,"x402_supported":false}

View raw extracted page text →
CTAs (40): Business account · Online business account · Debit & credit cards · Account remuneration · Account aggregation · Bookkeeping · E-invoicing · Tap to Pay · Payment terminals · Payment links · Transfers and direct debits · SWIFT transfers
Business account Business account Account & cards Online business account Debit & credit cards Account remuneration Account aggregation Tools Bookkeeping E-invoicing Incoming payments Tap to Pay Payment terminals Payment links Outgoing payments Transfers and direct debits SWIFT transfers Resources Our tools & guides Business account comparators Blog E-invoicing Qonto-certified platform to send and receive invoices. Company creation Company creation Online business setup Company creation Deposit share capital Resources Our toolbox Chartered Accountants directory Blog Business creation guide All the key steps to get you started. Financial tools Financial tools Solutions Explore all features Team expense management Payment cards E-invoicing Accounting & bookkeeping Integrations Cash flow management Resources Entrepreneur insight 2026 Corporate expense policy template Cash flow management checklist Explore our platform Discover how our financial tools work Credit Credit Solutions All our credit offers Overdraft Pay later Resources ROI calculator Our tools & guides Blog Managing business cash flow Why it matters and how to invest it. Pricing Pricing Business account pricing Self-employed Micro-businesses SMEs Company creation pricing Create a business Capital deposit About us About us About Qonto Customer case studies About us en Select your country Explore our country-specific features in your preferred language. Europe France Deutschland España Italia Österreich België Portugal …
You work at Qonto?
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Get the breakdown of every signal we measured, the one-line fix, and how your peers in Accounting stack up.

Evaluating Qonto?
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Are you Qonto? Something off in this listing?
Agent-Ready Spec
Qonto
Not Agent-Ready Yet

42

/ 100 (rubric v2.0)
Category

Accounting

Pricing model

Pricing: Qonto | Find the right plan for your business — TrustScore 4.8 | 56,053 reviews

Tier count

8 (slider / volume ladder)

Free tier

No

Lowest paid entry

Sales-led

Self-serve / sales-only tiers

0 / 1

Public API docs

Auth-walled

Anonymous purchase path

No

Machine-readable pricing

Not published

Last refreshed

2026-05-09

Pricing intelligenceInsights extracted from qonto.com/en/pricing
Pricing model

Tier-based subscription

Agent-purchase verdict
Agent-ready
60/100 · v2.1
Cheapest entry

Basic plan

Actions
Open live pricing page
Verdict reflects Not Agent-Ready Yet status under rubric v2.0. Source observed at https://qonto.com/en/pricing.
Agent-friendly features0 of 7 present
Discovery files and protocols
Side-channel signals — informational, not part of the score. Each protocol is independent; adoption signals the publisher is thinking about agent buyers.

ai-pricing.json

agents.txt

llms.txt

sitemap.xml

MCP Server Card

Agent Skills

x402 / MPP

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CompanyAgentically Inc. (d/b/a xpay✦)1875 Mission St, Ste 103San Francisco, CA 94103, United Stateslegal@xpay.sh · privacy@xpay.sh
or ask your AI app
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