Who owns Qonto?
short answerQonto is not itself a bank. It runs on a partner-bank (BaaS) model, where a licensed sponsor bank holds the deposits behind the app while Qonto builds the product and interface. Qonto's most notable disclosed backers include Valar Ventures, Alven, Tencent and DST Global.
Is Qonto a licensed bank?
No — it runs on a sponsor bank (BaaS model). Licence detail: Payment institution (ACPR); pursuing credit licence.
Where is your money held?
Custody model: Custodial.
No sponsor bank or infrastructure provider is publicly documented for Qonto yet. Know one? Suggest it.
Who's behind Qonto?
Qonto was founded by Alexandre Prot, Steve Anavi (2016), headquartered in Paris, FR.
Early investors
Is my money safe with Qonto?
Deposits are held by Qonto's sponsor bank, so any insurance flows through that bank rather than Qonto. Check which sponsor holds your balance and whether it is passed through for per-customer coverage.
go deeperSee the full Qonto profile with every verified field, or Qonto alternatives. Raw fields: data.json.
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.