Analyzed in depth
Qonto Factures
Free e-invoicing, by the Qonto business bank.
Qonto Factures is the 2026-compliant invoicing tool from Qonto business bank. A free standalone version (no bank account required) and integrated tiers bundled with the Qonto business account from €9 to €199/month excl. VAT.
Who it's for
Auto-entrepreneurs and freelancers who want to switch to e-invoicing at no cost, or SMEs already using Qonto for their business account.
Why
The free standalone covers 2026 compliance with no added cost. For Qonto customers, banking and invoicing in one app, DGFiP Approved Platform.
Key features
- Free standalone tool, no bank account required
- DGFiP Approved Platform for 2026 e-invoicing
- Native integration with Qonto business account (bank reconciliation)
- iOS, Android and web apps
Guarantee
100 % independent
No commercial ties with the vendor. Score never paid for.
Vendor health
0 release in 12 months
Active: Qonto is an established player (Trustpilot 4.8/5 over 56,092 reviews as of 18/06/2026), sustained growth. Regular product releases announced via newsletter and YouTube channel.
Detailed scorecard
methodologyEvery score is backed by cited and dated sources. Unmeasured dimensions are excluded from the calculation, never invented.
Testimonials, fully transcribed
A selection of real user quotes. Click to read the original source.
« E-invoicing is included at no extra cost in all our plans »
Dimension : True hidden cost ↗
« Qonto tends to pile on paid modules lately, my society account costs 120 EUR/month total, largely due to accumulated optional features stacked atop the base subscription »
Dimension : True hidden cost ↗
« very reactive, advices easy to follow and well understanding of requests. Quickly done and well done. »
Dimension : Native support quality ↗
Right for your profile?
Auto-entrepreneur
Best if: The free standalone is enough to switch to e-invoicing at no cost. Ideal if you don't need a Qonto business account.
Avoid if: You need advanced features (reminders, e-signature): the standalone is limited, and upgrading to Smart at €19/month is less competitive than Indy or Abby.
Freelance
Best if: Simple service billing, moderate volume, already a Qonto customer for the business account: one app for banking and 2026-compliant invoicing.
Avoid if: You invoice in multiple currencies or need highly customised templates: Qonto is restricted on both.
Artisan
Best if: Tradespeople doing pure service work (painting, basic plumbing) with a low supplier volume.
Avoid if: Stock management or quotes with phases and progress billing are needed: Qonto Factures is not built for that.
TPE
Best if: Service-based SME up to 5-10 staff wanting a combined banking and 2026-compliant invoicing solution without dedicated accounting software.
Avoid if: Complex international B2B invoicing with differentiated VAT or high volumes of supplier invoices.
PME
Best if: Fast-growing young SME prepared to pair Qonto Business with dedicated accounting software (Pennylane, Tiime).
Avoid if: Structured SME with an existing ERP, multi-entity setup or need for advanced per-project analytics: risk of double entry and costly migration.
Real observed pricing
| Plan | Observed price/month | Observed on |
|---|---|---|
| Qonto Facturation (standalone) | €0.00 | 18 June 2026 |
| Basic (Solo, intégré compte pro) | €9.00 | 18 June 2026 |
| Smart (Solo, intégré compte pro) | €19.00 | 18 June 2026 |
| Essential (équipe) | €49.00 | 18 June 2026 |
| Business (équipe) | €99.00 | 18 June 2026 |
- Free for life, no business account required. 2026-compliant invoicing. Source: qonto.com/fr/invoicing/e-invoicing.
- €9/month excl. VAT billed annually (€108/year). E-invoicing compatibility unlocked. Third-party sources note full management features require the Smart tier.
- €19/month excl. VAT billed annually (€228/year). Recommended by third-party sources (independant.io, finance-heros.fr) as the real entry point into Qonto invoicing.
- €49/month excl. VAT billed annually (€588/year), €59/month excl. VAT with no commitment.
- €99/month excl. VAT billed annually (€1,188/year), €119/month excl. VAT monthly.
Weaknesses, avoid if
- Stacked paid modules: recurring invoices, automatic reminders and e-signature often require the Factures clients Plus add-on at an extra €35/month (finance-heros.fr, 2026).
- Not suited to complex invoicing (deposits, progress billing, subscriptions, multi-entity). Noted by excilio.fr: "Qonto can quickly hit its functional limits and is not meant to replace dedicated invoicing software."
- Limited invoice design customisation and heavy dependency on the Qonto bank account. Migration becomes costly as the business grows (excilio.fr, lamicrobyflo.fr 2026).