With this expansion, Qonto responds to a clear demand in the market. A recent survey among Qonto's customers shows that 50% are facing temporary cash flow shortages. Additionally, 84% expect to need short-term financing in the next 12 months and 45% explicitly state that they have applied for credit card products.
'Cash flow management is cited as the biggest challenge among our customers. Entrepreneurs must constantly cover ongoing expenses while ensuring that important payments are made on time,' says Georg Nüchtern, Managing Director Netherlands.
'Now that we also offer the credit card and overdraft, we can better support entrepreneurs, whether they need to fund their business trips or inventory, or ensure that their payroll and payments to suppliers are made on time, even when their cash flow is tight. It is also an important milestone on our path to obtaining a license as a credit institution.'
Also read: Financial behavior in the Netherlands: figures from 2025
New products for extensive cash flow management
- Credit card: Qonto's first credit card is now available for eligible customers in the Netherlands and other European countries. Customers can switch between credit and debit mode on the same card, giving them the flexibility to choose how they want to pay for each transaction. With the card, they can make purchases throughout the month, with all amounts debited in one go on the first day of the following month. This gives them a flexible payment term of 30 days. Customers receive a monthly credit limit of up to €15,000 and only pay interest if the full amount cannot be collected on the debit date.
- Overdraft: this will be available in the coming months for the Netherlands, France, Germany, Spain, and Italy. With the overdraft option, customers can make their payments even when their account balance is zero. The account offers a pre-approved spending limit, ensuring that important transactions such as salaries, payments to suppliers, or rent are never declined. Interest is only charged on the actually used negative balance and the period in which it is used, without activation fees.
Also read: Saving as an entrepreneur in 2026: what you need to know
Application for credit institution license
Earlier, Qonto also expanded its services to support cash flow management for SMEs. In 2025, Qonto introduced Account Remuneration, where companies receive up to 2% annual reward on their account and up to 4% for new customers in the first 2 months. These developments contribute to obtaining a license as a credit institution, which Qonto submitted to the French banking supervisor ACPR in 2025.
More than 600,000 companies use Qonto daily to simplify their business financial management and maintain oversight. The company distinguishes itself with a fully integrated, in-house platform that prioritizes ease of use and security. Qonto aims to further tailor its product offerings to the needs of entrepreneurs in various European countries, including the Netherlands.
Also read: bunq applies for American banking license
