Why SMEs Switch from Qonto to a Custom No-Code Banking Solution

Tech my PME exports your Qonto transaction logs via CSV or API, then maps fields—date, amount, counterparty, category—into your new Ksaar database. We configure API connections to your bank or payment processor so future transactions flow directly into the custom system. Historical data remains searchable and reportable. The migration typically takes one to two weeks, and we run both systems in parallel during a testing phase to ensure zero data loss before you cancel your Qonto subscription.

Qonto subscriptions for a ten-user team average €99 per month, totaling €3,564 over three years. A custom Ksaar finance workflow costs between €8,000 and €12,000 to build, with optional monthly support retainers around €300. Over three years, total ownership cost ranges from €18,800 to €23,200—roughly six times Qonto's fees. However, you gain unlimited users, bespoke features, and no future licensing costs. SMEs planning to scale beyond fifteen users or requiring deep ERP integration often see the custom solution pay for itself within two years.

A custom Ksaar solution does not replace your bank; it replaces Qonto's workflow layer. You continue to use your existing business bank or switch to a provider offering API access—such as Stripe Treasury, Swan, or traditional banks with open-banking APIs. Tech my PME connects those APIs to your no-code system, so your team can request virtual cards, approve transactions, and reconcile payments inside the custom interface. You retain all banking services while gaining control over approval logic, reporting dashboards, and integration with your accounting stack.