Contracts
- T&Cs - BE
- Tarifs - BE
- Pricing - BE
- Traitement des Paiements - Conditions Particulières - BE
- Payment Processing Service Agreement - BE
- Assurance et Assistance Carte One - FR
- Assurance et Assistance Carte Plus - FR
- Assurance et Assistance Carte X - FR
- Prohibited activities - BE
- Politique de Confidentialité - FR
- Privacy Policy - EN
- Mentions Légales - FR
- Accepted legal forms - EN
- Cashback Program - BE
T&Cs - BE
Tarifs - BE
Pricing - BE
Traitement des Paiements - Conditions Particulières - BE
Payment Processing Service Agreement - BE
Assurance et Assistance Carte One - FR
Assurance et Assistance Carte Plus - FR
Assurance et Assistance Carte X - FR
Prohibited activities - BE
Politique de Confidentialité - FR
Privacy Policy - EN
Mentions Légales - FR
Accepted legal forms - EN
Cashback Program - BE
Effective April 20th 2026
DownloadTable of Contents
Specific Terms - Qonto Cashback Program
1. Object
Qonto offers its Customers (hereinafter the “Customers”) holding one or several eligible Payment Cards (hereinafter the “Card(s)”) issued by Qonto, a cashback program (hereinafter the “Program”). Qonto wishes to encourage its Customers to use the Cards eligible it provides.
The Program consists of the payment of a monthly cashback amount calculated as a percentage of the value of eligible card transactions carried out by the Customer during the relevant period (hereinafter the “Cashback”).
These Specific Terms supplement Qonto’s General Terms and Conditions and are inextricably linked to them. In the event of any conflict between these Specific Terms and the General Terms and Conditions, the Specific Terms shall prevail with respect to the Program.
2. Eligibility Conditions
The Customer must hold a payment account duly opened in its name in the books of Qonto and one or several Cards eligible issued by Qonto.
The eligible cards are detailed in Appendix - Financial Terms of the Program. The Program is reserved for Customer registered in Belgium.
The Customer may benefit from only one Program even though it possesses several eligible cards. Therefore, the Cashback earned is not cumulative and is capped according to article 3.
To receive Cashback, the Customer must also actively use its Card(s) by carrying out eligible card transactions.
Non-Eligible Transactions
The following operations do not contribute to the accumulation of Cashback:
- ATM cash withdrawals;
- Betting and gambling-related activities;
- Financial services and "quasi-cash" operations such as wire transfers or money orders, transactions at financial institutions, the purchase of travelers cheques, the purchase of foreign currencies, cryptocurrencies and deposit account top-ups, securities and brokerage operations, or other financing transactions; more generally, all transactions whose sole purpose is a transfer of funds;
- Deferred debit transactions;
- Any Card transaction subject to a chargeback;
- Any Card transaction to a person affiliated with the Customer or where Qonto has reasonable doubts that such person is affiliated with the Customer;
- More generally, Qonto remains free to deem a Card transaction non-eligible at its discretion if it has reasonable doubts that a transaction is fraudulent, illegal, or in breach of these Specific Terms.
Qonto reserves the right to exclude at any time additional types of transactions from the Program should it deem it necessary at its sole discretion.
3. Methods for Calculating the Cashback
3.1 Calculation of the Cashback
The Cashback amount is calculated monthly, based on the total amount of eligible Card transactions carried out by the Customer and recorded in Qonto’s books during the calendar month preceding the payment of the Cashback (hereinafter the “Eligible Spend Base”), according to the following formula:
Cashback = Eligible Spend Base × Cashback Rate
The elements used to calculate the Cashback are published in Appendix - Financial Terms of the Program.
3.2. Cashback Rate
The Cashback rate is freely set by Qonto. This rate may be changed as provided under article 5, which the Customer acknowledges and accepts.
3.3. Cashback cap
The Cashback is capped as set out in Appendix - Financial Terms of the Program.
Each Card eligible to Cashback has a monthly cap (hereinafter the “Cashback Cap”). The Cashback Caps of all eligible cards are not cumulative.
The Customer holding several eligible cards cannot accrue a total cashback higher than the maximum individual Cashback Cap amongst all its Cards (hereinafter the “Maximum Cashback Cap”). The Cashback effectively paid is calculated individually per Card according to its respective Cashback Cap in the absolute limit of the Maximum Cashback Cap.
4. Payment of the Cashback
The Cashback is paid monthly by transfer from Qonto to the Customer’s main payment account.
If the Customer fails to comply with any of the obligations set out in these Specific Terms or in the General Terms and Conditions, participation in the Program and entitlement to Cashback may be cancelled. Qonto also reserves the right to debit the amount of any Cashback already paid.
It is specified that no Cashback will be paid if the account is opened or operated in breach of the General Terms and Conditions. Likewise, no Cashback will be paid in the absence of the Customer’s payment of subscription fees.
5. Modification or Termination of the Program at Qonto’s Initiative
Qonto reserves the right to modify or terminate the Program at any time and without notice.
In the event of significant or unfavourable changes to the Specific Terms, Qonto will inform the Customer by any means and with reasonable prior notice. Insofar as the Cashback is not a payment service but a promotional offer, the Customer acknowledges and agrees that any modification to the Specific Terms is not subject to the two (2) month notice period provided in the General Terms and Conditions.
6. Termination of the Program at Customer Initiative
At any time, a Customer may end itsparticipation in the Program by sending a request to [email protected]. Closure of the Customer’s account will immediately result in loss of entitlement to the Program.
Appendix - Financial Terms of the Program
One | Plus | X (Metal) | X (Mirror) Limited edition* | |
Cashback Rate | Not available | Not available | Not available | 1% Cashback |
Cashback Cap (non-cumulative in case the Customer holds several Cards) | Not available | Not available | Not available | max 30€/month |
*Available as a limited edition of 10,000 units, subject to stock availability. Card not subject to renewal.
Effective April 17th 2026 to April 20th 2026
DownloadTable of Contents
Specific Terms - Qonto Cashback Program
1. Object
Qonto offers its Customers (hereinafter the “Customers”) holding one or several eligible Payment Cards (hereinafter the “Card(s)”) issued by Qonto, a cashback program (hereinafter the “Program”). Qonto wishes to encourage its Customers to use the Cards eligible it provides.
The Program consists of the payment of a monthly cashback amount calculated as a percentage of the value of eligible card transactions carried out by the Customer during the relevant period (hereinafter the “Cashback”).
These Specific Terms supplement Qonto’s General Terms and Conditions and are inextricably linked to them. In the event of any conflict between these Specific Terms and the General Terms and Conditions, the Specific Terms shall prevail with respect to the Program.
2. Eligibility Conditions
The Customer must hold a payment account duly opened in its name in the books of Qonto and one or several Cards eligible issued by Qonto.
The eligible cards are detailed in Appendix - Financial Terms of the Program. The Program is reserved for Customer registered in Belgium.
The Customer may benefit from only one Program even though it possesses several eligible cards. Therefore, the Cashback earned is not cumulative and is capped according to article 3.
To receive Cashback, the Customer must also actively use its Card(s) by carrying out eligible card transactions.
Non-Eligible Transactions
The following operations do not contribute to the accumulation of Cashback:
- ATM cash withdrawals;
- Betting and gambling-related activities;
- Financial services and "quasi-cash" operations such as wire transfers or money orders, transactions at financial institutions, the purchase of travelers cheques, the purchase of foreign currencies, cryptocurrencies and deposit account top-ups, securities and brokerage operations, or other financing transactions; more generally, all transactions whose sole purpose is a transfer of funds;
- Deferred debit transactions;
- Any Card transaction subject to a chargeback;
- Any Card transaction to a person affiliated with the Customer or where Qonto has reasonable doubts that such person is affiliated with the Customer;
- More generally, Qonto remains free to deem a Card transaction non-eligible at its discretion if it has reasonable doubts that a transaction is fraudulent, illegal, or in breach of these Specific Terms.
Qonto reserves the right to exclude at any time additional types of transactions from the Program should it deem it necessary at its sole discretion.
3. Methods for Calculating the Cashback
3.1 Calculation of the Cashback
The Cashback amount is calculated monthly, based on the total amount of eligible Card transactions carried out by the Customer and recorded in Qonto’s books during the calendar month preceding the payment of the Cashback (hereinafter the “Eligible Spend Base”), according to the following formula:
Cashback = Eligible Spend Base × Cashback Rate
The elements used to calculate the Cashback are published in Appendix - Financial Terms of the Program.
3.2. Cashback Rate
The Cashback rate is freely set by Qonto. This rate may be changed as provided under article 5, which the Customer acknowledges and accepts.
3.3. Cashback cap
The Cashback is capped as set out in Appendix - Financial Terms of the Program.
Each Card eligible to Cashback has a monthly cap (hereinafter the “Cashback Cap”). The Cashback Caps of all eligible cards are not cumulative.
The Customer holding several eligible cards cannot accrue a total cashback higher than the maximum individual Cashback Cap amongst all its Cards (hereinafter the “Maximum Cashback Cap”). The Cashback effectively paid is calculated individually per Card according to its respective Cashback Cap in the absolute limit of the Maximum Cashback Cap.
4. Payment of the Cashback
The Cashback is paid monthly by transfer from Qonto to the Customer’s main payment account.
If the Customer fails to comply with any of the obligations set out in these Specific Terms or in the General Terms and Conditions, participation in the Program and entitlement to Cashback may be cancelled. Qonto also reserves the right to debit the amount of any Cashback already paid.
It is specified that no Cashback will be paid if the account is opened or operated in breach of the General Terms and Conditions. Likewise, no Cashback will be paid in the absence of the Customer’s payment of subscription fees.
5. Modification or Termination of the Program at Qonto’s Initiative
Qonto reserves the right to modify or terminate the Program at any time and without notice.
In the event of significant or unfavourable changes to the Specific Terms, Qonto will inform the Customer by any means and with reasonable prior notice. Insofar as the Cashback is not a payment service but a promotional offer, the Customer acknowledges and agrees that any modification to the Specific Terms is not subject to the two (2) month notice period provided in the General Terms and Conditions.
6. Termination of the Program at Customer Initiative
At any time, a Customer may end itsparticipation in the Program by sending a request to [email protected]. Closure of the Customer’s account will immediately result in loss of entitlement to the Program.
Appendix - Financial Terms of the Program
One | Plus | X (Metal) | X (Mirror) Limited edition | |
Cashback Rate | Not available | Not available | Not available | 1% Cashback |
Cashback Cap (non-cumulative in case the Customer holds several Cards) | Not available | Not available | Not available | max 30€/month |