Using Account Remuneration is straightforward - activate it with a simple click, maintain regular payment activity, and understand your balance limits. Your funds remain fully accessible while generating earnings, and your money stays protected just like any other Qonto payment account.
How can I activate and access Account Remuneration?
How do I activate remuneration?
Activating remuneration is simple - just read the Terms & Conditions and tick the checkbox in your account settings to confirm your agreement and tax residency. No additional contracts or paperwork are required!
- 💻 To access it from your web app: go to “Business account” > “Accounts”.
- 📱 From your mobile app: go to “Menu” > “Accounts”.
Note: You also have the option to deactivate remuneration anytime from the Account Remuneration detail page. If you meet the eligibility conditions, you’ll still be able to reactivate it later. However, note that doing so will reset the transaction count requirement (5 transaction per month).
Where can I find my remuneration details?
From the “Accounts” section of both web and mobile app, you can view your remuneration details such as:
- your previous monthly earnings transactions
- your current rate and cap
- your estimated earnings for the current year
- your Qonto accounts being remunerated
Note: Admin, Owner, and Accountant roles can view remuneration information, though only Admin and Owner can activate or deactivate it.
Can I access or withdraw my funds anytime?
Yes, your funds remain completely liquid. You can access and withdraw your money whenever you need without any restrictions or penalties. Nothing will change about the payment functionality of your Qonto account.
What are the limits and requirements for Account Remuneration?
What is the minimum amount I need to keep?
There is a minimum of €1 required in your account, but no specific minimum balance is required to earn remuneration.
Is there a maximum limit on the remunerated balance?
Yes, remuneration caps vary by price plan:
| Price plan | Cap |
|---|---|
| Smart | €50,000 |
| Premium | €100,000 |
| Essential | €200,000 |
| Business | €200,000 |
| Enterprise | €200,000 |
You can estimate your possible remuneration per plan directly from this simulator.
Balances above these caps will not earn remuneration.
What do I need to do to keep remuneration active?
☝️ You must complete at least 5 eligible transactions per month (minimum €1 per transaction amount) across all your internal accounts.
The transactions must be settled within the month.
| Type | Eligible | Not Eligible |
| Card Payment | All Qonto cards are elegible | Withdrawal |
| SEPA Direct Debit (In) | Incoming SEPA Direct Debit executed by Qonto | |
| SEPA Transfer (out) |
|
|
| SWIFT Transfer (out) | Outgoing SWIFT transfers | |
| Book Transfers |
|
Transfers between accounts of the same organization |
| Local Payment |
|
|
| Tap To Pay & POS |
|
Payment transactions not executed by Qonto (e.g, Mollie payment links) |
| SEPA Transfer (in) | Incoming SEPA transfers | |
| SEPA Direct Debit (out) | Outgoing SEPA Direct Debit not executed by Qonto | |
| SWIFT Transfer (in) | Incoming SWIFT transfers | |
| Check | Check payments | |
| Recall/Reimbursement | All recalls, reimbursements are not taken care as "transaction movement" |
This requirement ensures that Account Remuneration remains an exclusive reward for clients who are frequent users of our payment account. By maintaining regular payment activity, you demonstrate that you're using your account for its intended purpose as a business payment solution.
Note: In the first month you activate remuneration, you must complete the five required transactions after activation and before the end of that month to earn your remuneration the next month.
How is my money protected when I use Account Remuneration?
Is my money safe?
Yes, your funds are safeguarded according to Payment Institution regulations. Client funds are protected through segregated accounts opened with partner banks Arkéa and Natixis.
Are my funds protected or insured?
Your funds benefit from the same protection as all Qonto payment accounts. As a Payment Institution, Qonto safeguards client funds in segregated accounts with established banking partners, ensuring your money is protected according to European regulations.
Note: All rates and conditions are subject to change based on market conditions and regulatory requirements. Please refer to the current Terms & Conditions for the most up-to-date information.