Qonto

I'm an autónomo and I need a business bank account where VAT tracks itself and my gestor can log in directly.

Qonto is a business bank account with a Spanish IBAN, automatic VAT categorisation, and direct gestor access — built for freelancers and small businesses.

Why it rocks

✓4.8/5 from 39,000+ reviews
✓Spanish IBAN means RETA payments and Agencia Tributaria mandates work without friction — something foreign-IBAN accounts regularly fail on
✓VAT is categorised automatically as money moves in and out
✓Your gestor can log in directly to pull quarterly statements — no more emailing spreadsheets at quarter end

Heads up

✗Qonto is a payment institution, not a full bank — funds are protected but not covered by the €100k deposit guarantee
✗Don't park large idle balances here

Cost: From €11/month for solo autónomos.

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