Qonto API Access: Sync France Business Data | Open Banking

Qonto is a France-based finance platform built for freelancers, SMEs and startups. With open-banking.io you can plug Qonto straight into your own tools and keep account data flowing automatically — no scraping, no manual CSV exports, no bespoke bank integration to maintain.

Our unified API speaks to Qonto (BIC QNTOFRPAXXX) and 2,600+ other institutions across the EU and UK through a single, consistent interface. Build once, connect everywhere.

How to connect Qonto

1. Sign up for an open-banking.io account and grab your API key.
2. Call the API and select Qonto from the France bank list.
3. Redirect the account holder to Qonto's secure login to approve access.
4. Receive a reusable token and start reading account data instantly.

What data you can access

• Accounts — identify Qonto business and personal accounts with their IBANs and metadata.
• Balances — real-time available and booked balances.
• Transactions — categorised transaction history for reconciliation, reporting and cash-flow analysis.

Consent and coverage

Qonto supports both business and personal account types. A single user consent stays valid for up to 180 days, after which the account holder simply re-authorises — giving you long-lived connections without repeated friction.

Privacy by design

open-banking.io is zero-knowledge: your users authenticate directly with Qonto and we never see or store their credentials. There are no eIDAS certificates to buy, no QWAC/QSEAL setup, and no compliance overhead to shoulder — the heavy lifting is handled for you.

Pricing

One flat rate of roughly EUR 3/month covers your Qonto connection, with the same predictable pricing across every supported bank. No per-call surcharges, no enterprise minimums.

FAQ

Do I need my own banking licence or certificates?

No. open-banking.io provides the regulated access layer, so you connect to Qonto without a licence or any eIDAS certificate.

How often can I refresh Qonto data?

As often as you need within the active consent window. Balances and transactions update in near real time whenever you query them.

What happens when the 180-day consent expires?

The connection pauses and the account holder re-authorises through Qonto's login. Your integration and token flow stay the same — just a quick re-approval.

Ready to build? Get started at open-banking.io.