Affiliate disclosure: VTC PRO may receive a commission if you subscribe through the Qonto partner link below. The link is optional and does not establish that the account is cheapest or most suitable.
A dedicated account is not always a paid business plan
For a French micro-enterprise, a dedicated account is required when annual turnover exceeds EUR 10,000 for two consecutive years. It need not be sold as a professional account, but the bank must permit business use and the required individual-business designation. A SASU has different company requirements; do not apply this micro-enterprise rule to it.
List the transactions you actually need
Count platform transfers, customer payments, insurance and vehicle debits, card payments and transfers to suppliers. Check whether you need cash or cheque deposits, financing, an additional card or access for an accountant. Do not assume a payment account supplies all banking services.
| Criterion | Question before subscribing |
|---|---|
| Total price | Subscription, included transactions, extra fees and commitment period? |
| Receipts | Can your platforms and direct customers pay into this account? |
| Documents | Can you attach receipts and export usable statements? |
| Status | Does the provider accept your French legal structure? |
| Support and closure | How are payment problems and switching handled? |
A hypothetical cost comparison
These are invented comparison inputs, not Qonto tariffs. Assume Plan A costs EUR 15 monthly with your required transfers included. Plan B costs EUR 9 plus 30 additional transfers at EUR 0.30 each. B costs 9 + (30 × 0.30) = EUR 18; A costs EUR 15. Over 12 months, that is EUR 216 versus EUR 180.
The EUR 36 difference is only meaningful if both cover the same needs. Add cards, deposits and any applicable VAT on the same basis. If a more expensive tool genuinely saves administration time, test that saving rather than accepting a marketing estimate.
Check Qonto directly
Consult Qonto's French pricing page for the plan available to you, its transaction limits and contractual conditions. Compare it with your existing bank or another suitable provider before choosing.
View the Qonto partner offer (affiliate link)
Reconcile rather than replace your accounting
Match each platform transfer to its statement and each expense to its invoice. An account balance does not show profit, VAT due or future contributions. Banking separation helps record keeping; it does not replace tax declarations.
Sources and scope
Service Public: dedicated accounts for French micro-entrepreneurs
Qonto: official French plan pricing
The legal and tax references concern France. Examples are illustrative unless expressly attributed to a source; they are not tariffs or promised results.