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  • The brief
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  • This week · 6
  • This quarter · 8
  • Big bets · 4
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Generated Oct 23, 2026
  1. Programmable
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growth playbook · Oct 23, 2026

qonto.com (opens in a new tab)

Qonto growth playbook

Diagnosis

Qonto serves over 750,000 customers in eight countries and has been profitable since 2023. Its hiring shows where growth comes next: accountants as a channel (a Partner Success Lead, an accountant-channel AE), accounting in Germany and then the rest of Europe, lifecycle CRM for Germany and Austria, a new in-house accounting sales team in France, and lending under its own licence.

The German tax-advisor directory has 27 firms against France's 510, the German accountants hub is one page, and Austria is a thin copy of Germany.

This playbook fixes the German directory, aligns public claims and the Austrian page first, then builds the German hub, partner reports, an accountant-linked onboarding and compliant loan explainers.

Growth Score

8/10

Biggest Opportunity

Make accountants the growth engine in every market, starting with Germany's tax advisors, with Qonto connecting firms and founders through the directory, onboarding and partner reporting.

Biggest Risk

Qonto is a regulated provider whose offers differ by country; growth copy that promises fees, rates or features not available locally creates regulatory and trust risk, so every claim needs compliance review per country.

01

Start here

The three moves to make first. Each one is written up in full below.

  1. 1

    Turn the 27-firm German Steuerberater directory into a real front door, using the French one as the model

    Merge the two Munich pages and fix the German city names this week.

    High impact First result in 1 month
  2. 2

    One customer number everywhere: 750,000, not 500,000 or 600,000

    Search all locales for "500.000", "600.000" and "600,000".

    Medium impact First result in 2 weeks
  3. 3

    Give the Austrian accounting page Austrian rules, not Germany's fee regulation

    Flag every /de-at page that mentions German-only laws or tools.

    Medium impact First result in 1 month

02

Your idea portfolio

21 ideas, grouped by when to run them. Open any idea for how to run it: the steps, who to approach, copy you can use, and how to measure it.

  • 7 ideas are marked Unexpected: plays you are unlikely to have tried.

Every idea placed by the effort it takes against the impact it could have. Quick wins sit top left; select a number to open that idea. The filters below narrow the list by status, timing, category and what Programmable can build.

Effort vs impactEach number is an idea. Select one to open it.
Impact →
Quick wins · 2Big bets · 11Fill-ins · 6Reconsider · 2
Effort →

Showing 21 of 21 ideas

This week 6

Quick wins with a clear first action.

  • 01

    Qonto's new German accounting PM starts with "a live tax advisor marketplace". On the German site that marketplace lists 27 firms across 22 city pages, against 510 firms in the French directory, which is organised by region, department and city. Munich is split between a "Munich" page and a "München" page, the German title says "Steuerberater in Munich", each city page is named after one postcode, and one-firm pages still say "numerous firms" are in the region.

    High impactMedium effort First result in 1 month Staff Product Manager

    First action

    Merge the two Munich pages and fix the German city names this week.

    How to measure it

    Directory contact clicks (Germany)

    Now
    –
    Target
    3x the current level
    By
    2 quarters

    Steps

    1. 1

      Fix the city model

      Merge Munich/München, German names, one page per city not per postcode.

      SEO Lead 3 days

    2. 2

      Add states

      A Bundesland level above cities, as France has regions and departments.

      Web team (marketing site) 1 week

    3. 3

      Honest page copy

      Template text that changes with the number of firms listed.

      Head of Marketing Central Europe 2 days

    4. 4

      Recruit firms

      DATEV-using firms in the 15 largest cities, three per city minimum.

      Partner Success Lead, Chartered Accountants 1 quarter

    5. 5

      Link it in

      From onboarding, /de/accounting and the German accountants page.

      Staff Product Manager, Accounting Europe 1 week

    6. 6

      Measure per city

      Searches, profile views and contact clicks.

      Growth Operations monthly

    7. 7

      Report to firms

      Show each partner firm the clients it received.

      Partner Success Lead, Chartered Accountants quarterly

    First result
    1 month
    Cost
    Staff time; partner recruitment
    Owner
    Staff Product Manager, Accounting Europe

    Smallest test

    Merge the Munich pages and sign three more firms there in a month.

    Why it works

    Fix the structure first: merge Munich and München, use German city names, add a Bundesland level, name city pages after the city rather than one postcode, and rewrite the template copy so it matches how many firms are listed. Then grow supply: the partner team signs DATEV-using firms in the 15 largest cities so every city page has at least three firms, and Qonto links the directory from onboarding and the accounting pages. Track searches and contact clicks per city.

    Founders searching "Steuerberater + city" are deciding how they will run their books, and a strong directory puts Qonto in that moment, sends each partner firm new clients, and gives the German partner team something to recruit with.

    Ready to use

    ChecklistGerman directory fix list

    [ ] One Munich page (München), redirect the other
    [ ] German city names in titles
    [ ] Bundesland hub pages
    [ ] Copy that matches the firm count
    [ ] Noindex cities with under two firms
    [ ] Directory link in onboarding and /de/accounting
    [ ] Contact-click tracking per city
    [ ] Quarterly report to partner firms

    Risks and how to handle them

    • Thin pages before supply grows

      Noindex city pages with fewer than two firms until they fill.

    • Claims about firms

      Firms approve their own profile text.

    Evidence

    • Your websiteGerman tax-advisor directory (/de/accountants-partners, checked October 22, 2026): "27 Ergebnisse" (27 firms) and 22 city pages in a flat list with no state (Bundesland) level. Munich is split across two pages: "Munich (80639)" with 3 firms and "München (80336)" with 1 firm, and the German page title reads "Finden Sie einen Steuerberater in Munich (80639)". Each city page is named after one postcode, and pages with a single firm still say "Zahlreiche Steuerkanzleien sind in dieser Region vertreten".Source
    • Your websiteFrench accountant directory (/fr/accountants-partners): "510 résultats" (510 firms) across 1,275 URLs organised by region, department and city, with filters for 6 services, 18 industries and 5 languages. The accountant sitemap has directory pages only for France (1,275 URLs) and Germany (50 URLs, German and English); none for Austria, Italy, Spain, Belgium, the Netherlands or Portugal.Source
    • HiringStaff Product Manager, Accounting Europe (German speaking, Berlin, posted October 21, 2026): "You'll start with Germany, then take what works to other European markets"; "Fix a broken experience: You'll build an accounting page that surfaces our existing building blocks and integrations, starting with Connect"; "spend your time with SMEs, accountants and tax advisors"; "You start with a live tax advisor marketplace and a proven French bookkeeping engine"; the role owns "accounting for every European market outside France".Source
    • HiringPartner Success Lead, Chartered Accountants (Paris, posted October 9, 2026): "turn Qonto's network of accounting firms into its strongest growth channel"; leads "a team of 7 Partner Success Managers"; "Drive referrals, KYBs, retention, and partner revenue across the portfolio, using AI to turn partner data into sharper targeting"; "Design scalable ways for firms to engage with Qonto that go well beyond asking them for referrals".Source
    • Your websiteAccountant hubs by country (sitemap, October 22, 2026): /fr/accountants has 24 accounting-firm customer stories, integration pages (ACD, Agiris, Cegid, MyUnisoft, Sage), events, about 20 webinars, white papers and comparators against Pennylane, Tiime, Dext, Chaintrust and MEG; /es/accountants has 5 customer stories; /de/accountants and /it/accountants are single pages. The German page offers DATEV (marketplace partner), sevDesk and Lexware Office sync and says "Steuerkanzleien sparen 5,24 Stunden/Monat durch Qonto".Source
  • 02

    Qonto's homepage and job posts say 750,000+ customers, but the descriptions search engines and link previews show still say 600,000 (English pricing, German accounting) and even 500,000 (German social preview), and the German accountants page says 600,000+. The homepage description says "7/7 customer support" while the page says "24/7 human support".

    Medium impactLow effort First result in 2 weeks Head of Marketing Central Eur…

    First action

    Search all locales for "500.000", "600.000" and "600,000".

    How to measure it

    Pages on the approved count

    Now
    –
    Target
    100%
    By
    1 month

    Steps

    1. 1

      Find them

      Crawl all locales for customer counts and support claims.

      SEO Lead 1 day

    2. 2

      Agree the figure

      One approved number and support wording per language.

      Compliance 2 days

    3. 3

      Centralise it

      A shared string used by every template.

      Web team (marketing site) 3 days

    4. 4

      Update metadata

      Titles, descriptions and social previews.

      SEO Lead 2 days

    5. 5

      Check previews

      Search and social link previews per locale.

      SEO Lead 1 day

    6. 6

      Set a review

      Re-check the figure every quarter.

      Head of Marketing Central Europe quarterly

    First result
    2 weeks
    Cost
    $0
    Owner
    Head of Marketing Central Europe

    Smallest test

    Fix the English pricing and German accounting descriptions today.

    Why it works

    List every page whose title, description, social preview or body carries a customer count or a support promise, move them to one approved figure, and keep it in a single shared string so it updates once. Send the wording through compliance, since these are public claims for a regulated provider.

    Searchers see the description before the page; an older, smaller number undersells the brand and makes careful buyers wonder which is true.

    Risks and how to handle them

    • Numbers differ by legal entity or country

      Use the figure compliance approves for each locale.

    Evidence

    • Your websiteCustomer counts disagree: the English homepage and pricing page say "750,000+ clients" and "750,000 businesses", but the /en/pricing meta description says "Over 600,000 customers", /de/accounting's meta description says "Mehr als 600.000 Kunden" and its social preview "Mehr als 500.000 Kunden", and /de/accountants says "600.000+ Unternehmen vertrauen Qonto bereits". The homepage meta description says "7/7 customer support" while the page says "24/7 human support".Source
    • HiringEvery Qonto job post: "1,700 Qontoers serving over 750,000 customers across 8 European countries", "profitable since 2023", "rated 4.7 on Trustpilot ... based on 60,000 reviews" and a "Net Promoter Score of 75".Source
    • Your websiteLegal footer on qonto.com: Qonto SA is a regulated payment institution authorised by the French Autorité de Contrôle Prudentiel et de Résolution (ACPR), licence no. 16958. Offers, prices and features are presented per country site.Source
  • 03

    The Austrian accounting page explains accountant fees with Germany's Steuerberatervergütungsverordnung (StBVV) and does not link the tax-advisor directory. Austria is one of the two markets the new Central Europe CRM manager owns, and its site is a thin copy: 42 pages against 548 for Germany.

    Medium impactLow effort First result in 1 month Head of Marketing Central Eur…

    First action

    Flag every /de-at page that mentions German-only laws or tools.

    How to measure it

    Austrian organic sign-ups

    Now
    –
    Target
    +15%
    By
    2 quarters

    Steps

    1. 1

      Audit

      German-only references across /de-at.

      SEO Lead 2 days

    2. 2

      Local review

      An Austrian tax advisor checks the accounting page.

      Head of Marketing Central Europe 1 week

    3. 3

      Rewrite

      Austrian fee guidance and local tools.

      Head of Marketing Central Europe 1 week

    4. 4

      Compliance check

      Wording and claims.

      Compliance 3 days

    5. 5

      Publish

      With hreflang between de and de-at.

      SEO Lead 1 day

    6. 6

      Measure

      Austrian rankings and sign-ups.

      Growth Operations monthly

    First result
    1 month
    Cost
    Reviewer fee
    Owner
    Head of Marketing Central Europe

    Smallest test

    Fix the fee paragraph this week.

    Why it works

    Have an Austrian tax advisor review the page, replace the German fee guidance with Austrian practice, name the accounting tools Austrian firms use, and check every other /de-at page for German-only references. Run the result through compliance before it goes live.

    Austrian founders notice German rules immediately; local accuracy is a trust signal for a finance brand and a ranking signal for Austrian searches.

    Risks and how to handle them

    • Advice could read as tax advice

      Keep it general and point to licensed advisors.

    Evidence

    • Your websiteThe Austrian accounting page (/de-at/accounting) explains accountant fees with Germany's fee regulation: "Steuerberater:innen nach der Steuerberatervergütungsverordnung (StBVV) abrechnen". It does not link the tax-advisor directory, while /de/accounting and /de/accountants do.Source
    • Your websiteLocale depth in the main sitemap: /fr 616 URLs, /de 548, /es 385, /it 350, /en 145, /en-de 110, /nl 93, /en-nl 85, /pt 54, and /de-at, /fr-be and /nl-be 42 each. Austria has 3 comparison pages (Erste Bank, N26, Revolut) against 20 for Germany, and no financing pages.Source
    • HiringSenior CRM Manager, Central Europe (Paris, posted October 13, 2026): "build lifecycle programs across onboarding, activation, retention, expansion and churn prevention"; owns "Germany and Austria, two key markets in Qonto's growth strategy", Germany primary and Austria secondary; reports "on conversion, feature adoption and business impact"; journeys in "Braze, Customer.io or HubSpot".Source
    • Your websiteLegal footer on qonto.com: Qonto SA is a regulated payment institution authorised by the French Autorité de Contrôle Prudentiel et de Résolution (ACPR), licence no. 16958. Offers, prices and features are presented per country site.Source
  • 04

    On Google's phone test, qonto.com/en takes 18.6s to show its largest element, and that element is the cookie banner text. The page downloads 10 MB, 7.9 MB of it images. Real visitors' LCP is 2.6s, just over Google's 2.5s line, so the page narrowly fails Core Web Vitals.

    High impactMedium effort First result in 1 month Web team

    First action

    Measure how long the consent script takes to paint the banner.

    How to measure it

    LCP at the 75th percentile

    Now
    –
    Target
    Under 2.0s
    By
    2 months

    Steps

    1. 1

      Profile

      Banner, images and scripts on /en.

      Web team (marketing site) 2 days

    2. 2

      Inline the banner

      Lightweight first paint, then the full tool.

      Web team (marketing site) 1 week

    3. 3

      Shrink images

      Modern formats and correct sizes.

      Web team (marketing site) 1 week

    4. 4

      Cache

      Long lifetimes for static files.

      Web team (marketing site) 1 day

    5. 5

      Defer tags

      Testing and ad tags after consent.

      Growth Operations 3 days

    6. 6

      Re-test locales

      Top page per country.

      Web team (marketing site) 1 week

    First result
    1 month
    Cost
    Engineering time
    Owner
    Web team (marketing site)

    Smallest test

    Compress the homepage images and re-test.

    Why it works

    Render the consent banner from lightweight inline markup instead of waiting on the consent script, compress and size the hero and carousel images, set long cache lifetimes for static files, and defer testing and ad tags until after consent. Re-test the top landing page in each locale.

    A narrow miss is cheap to fix, and every paid and organic visit starts here; a faster first screen lifts sign-up starts, especially on phones.

    Risks and how to handle them

    • Consent records

      Keep the consent tool as the source of truth; only change how the banner first paints.

    Evidence

    • Google PageSpeedqonto.com/en on mobile (October 22, 2026): performance 31/100; lab Largest Contentful Paint 18.6s and the largest element is the cookie banner text ("Your data. Your choice..."); 10 MB downloaded, 7.9 MB of it images, 6.3 MB savable with cache lifetimes; 3.3s of blocking time; 11 third-party services load on the page. Real visitors: LCP 2.6s at the 75th percentile, just over Google's 2.5s line, so the page narrowly fails Core Web Vitals; INP 188 ms.Source
    • HiringGrowth Operations Apprentice (posted October 15, 2026): "configure API integrations so data flows reliably between systems (Salesforce, Segment, Braze, Meta, etc.)", "build data enrichment flows to provide the Sales teams with the best insights", and "Boost our Paid Acquisition campaigns by owning website tracking and tagging".Source
    • Your websiteHomepage (/en): "Business account, AI-powered", built-in AI agents and "Connect Qonto MCP to the AI tools you already work with every day"; navigation lists a "Chartered Accountants directory", "Entrepreneur insight 2026", an ROI calculator and country selection for France, Germany, Spain, Italy, Austria, Belgium, Portugal and the Netherlands.Source
  • 05

    Qonto has a new Comptabilité sales team: an SDR calls newly onboarded clients to run an eligibility check and an AE follows up "within days of account creation". Most of what the SDR asks is already known from sign-up: legal form, activity, company age and whether an accountant was invited.

    High impactLow effort First result in 1 month Account Executive Accounting

    First action

    List the sign-up fields that already answer the eligibility checklist.

    How to measure it

    Comptabilité meetings per SDR hour

    Now
    –
    Target
    +40%
    By
    1 quarter

    Steps

    1. 1

      Map the checklist

      Which questions sign-up already answers.

      Account Executive Accounting, France 2 days

    2. 2

      Build the score

      From sign-up data in the CRM.

      Growth Operations 1 week

    3. 3

      Route by band

      High fit to AE, middle to SDR, low to in-app.

      Growth Operations 3 days

    4. 4

      Pre-fill notes

      Answers on the AE's screen.

      Growth Operations 2 days

    5. 5

      Run a month

      All new French accounts.

      Account Executive Accounting, France 1 month

    6. 6

      Compare

      Conversion by band.

      Growth Operations monthly

    First result
    1 month
    Cost
    Staff time only
    Owner
    Account Executive Accounting, France

    Smallest test

    Score one week of new accounts by hand.

    Why it works

    Have Growth Operations build a score from sign-up data, route high-fit accounts to the AE within 48 hours with the answers pre-filled, send a short in-app question to low-fit accounts, and let the SDR spend calls on the middle band. Compare conversion by band after a month.

    Speed and relevance decide early sales, and the new team gets more meetings from the same calls.

    Risks and how to handle them

    • Score misses good accounts

      Keep a random sample flowing to the SDR.

    Evidence

    • HiringA "new Qonto Comptabilité Sales team" in France: an Account Executive Accounting will "reach out to newly onboarded business creators within days of account creation and guide them to the right offer" (posted October 22, 2026), and a Sales Development Representative intern will call "newly onboarded Qonto clients", "run an initial eligibility check" and book eligible leads with an AE.Source
    • HiringGrowth Operations Apprentice (posted October 15, 2026): "configure API integrations so data flows reliably between systems (Salesforce, Segment, Braze, Meta, etc.)", "build data enrichment flows to provide the Sales teams with the best insights", and "Boost our Paid Acquisition campaigns by owning website tracking and tagging".Source
    • HiringSenior CRM Manager, Central Europe (Paris, posted October 13, 2026): "build lifecycle programs across onboarding, activation, retention, expansion and churn prevention"; owns "Germany and Austria, two key markets in Qonto's growth strategy", Germany primary and Austria secondary; reports "on conversion, feature adoption and business impact"; journeys in "Braze, Customer.io or HubSpot".Source
  • 06

    The new accountant-channel AE has "no inbound to lean on" and must prospect firms across France. Qonto already maps 510 partner firms by region, department and city, so it can see exactly where partner coverage is thin.

    High impactLow effort First result in 1 month Account Executive

    First action

    Export firms per department from the directory.

    How to measure it

    Firms signed in gap departments

    Now
    –
    Target
    30 a quarter
    By
    2 quarters

    Steps

    1. 1

      Count partners

      Firms per department.

      Growth Operations 1 day

    2. 2

      Count clients

      New accounts per department.

      Growth Operations 1 day

    3. 3

      Rank gaps

      Many clients, few partners.

      Account Executive, Accountant Channel 1 day

    4. 4

      Build lists

      Firms in the top 15 gap departments.

      Growth Operations 1 week

    5. 5

      Prospect

      Open with local client numbers.

      Account Executive, Accountant Channel weekly

    6. 6

      Review

      Signed firms and their referrals.

      Partner Success Lead, Chartered Accountants monthly

    First result
    1 month
    Cost
    Staff time only
    Owner
    Account Executive, Accountant Channel

    Smallest test

    Prospect 20 firms in the top gap department.

    Why it works

    Count partner firms per department against the number of new Qonto accounts there, list the departments with many clients and few partners, and prospect firms in those places first, opening with the number of local Qonto clients that need an accountant.

    A firm listens when you can say how many businesses near it already use Qonto, and the gap map tells the AE where to start.

    Risks and how to handle them

    • Client numbers are sensitive

      Share rounded local totals only, never client names.

    Evidence

    • Your websiteFrench accountant directory (/fr/accountants-partners): "510 résultats" (510 firms) across 1,275 URLs organised by region, department and city, with filters for 6 services, 18 industries and 5 languages. The accountant sitemap has directory pages only for France (1,275 URLs) and Germany (50 URLs, German and English); none for Austria, Italy, Spain, Belgium, the Netherlands or Portugal.Source
    • HiringAccount Executive, Accountant Channel (Paris, posted October 19, 2026): "turn France's accounting firms into one of Qonto's strongest growth channels"; "source and prospect accounting firms across France, with no inbound to lean on"; "get accountants recommending Qonto to their own client base"; "The accountant channel is one of Qonto's strategic growth priorities, and it's still being built."Source
    • HiringPartner Success Lead, Chartered Accountants (Paris, posted October 9, 2026): "turn Qonto's network of accounting firms into its strongest growth channel"; leads "a team of 7 Partner Success Managers"; "Drive referrals, KYBs, retention, and partner revenue across the portfolio, using AI to turn partner data into sharper targeting"; "Design scalable ways for firms to engage with Qonto that go well beyond asking them for referrals".Source

This quarter 8

The core plays for the next three months.

  • 07

    France has 24 accounting-firm customer stories, integration pages, events, webinars and comparators for accountants. Germany, where the new PM starts, has one accountants page, although it already offers DATEV, sevDesk and Lexware Office sync and claims firms save 5.24 hours a month.

    High impactMedium effort First result in 1 quarter Staff Product Manager

    First action

    Ask three German partner firms for a case-study interview.

    How to measure it

    New German partner firms

    Now
    –
    Target
    +50%
    By
    2 quarters

    Steps

    1. 1

      Plan pages

      Integrations, case studies, program, webinars.

      Staff Product Manager, Accounting Europe 1 week

    2. 2

      Interview firms

      Five Steuerkanzleien.

      Head of Marketing Central Europe 1 month

    3. 3

      Write in German

      With firm review.

      Head of Marketing Central Europe 1 month

    4. 4

      DATEV page

      How sync works, step by step.

      Staff Product Manager, Accounting Europe 2 weeks

    5. 5

      First webinar

      With a partner firm.

      Head of Marketing Central Europe 1 month

    6. 6

      Measure

      Firm sign-ups and referrals.

      Partner Success Lead, Chartered Accountants monthly

    First result
    1 quarter
    Cost
    Content time
    Owner
    Staff Product Manager, Accounting Europe

    Smallest test

    Publish one German case study.

    Why it works

    Add German pages for DATEV and the other integrations, five Steuerkanzlei case studies, a monthly webinar for firms and a partner-program page, all linked from the directory. Reuse French formats; write the content in German with German firms.

    Tax advisors decide which business account many German founders open, and they look for peers and their own software before they recommend anything.

    Risks and how to handle them

    • Integration claims

      Product checks every integration statement.

    Evidence

    • Your websiteAccountant hubs by country (sitemap, October 22, 2026): /fr/accountants has 24 accounting-firm customer stories, integration pages (ACD, Agiris, Cegid, MyUnisoft, Sage), events, about 20 webinars, white papers and comparators against Pennylane, Tiime, Dext, Chaintrust and MEG; /es/accountants has 5 customer stories; /de/accountants and /it/accountants are single pages. The German page offers DATEV (marketplace partner), sevDesk and Lexware Office sync and says "Steuerkanzleien sparen 5,24 Stunden/Monat durch Qonto".Source
    • HiringStaff Product Manager, Accounting Europe (German speaking, Berlin, posted October 21, 2026): "You'll start with Germany, then take what works to other European markets"; "Fix a broken experience: You'll build an accounting page that surfaces our existing building blocks and integrations, starting with Connect"; "spend your time with SMEs, accountants and tax advisors"; "You start with a live tax advisor marketplace and a proven French bookkeeping engine"; the role owns "accounting for every European market outside France".Source
    • Your websiteGerman tax-advisor directory (/de/accountants-partners, checked October 22, 2026): "27 Ergebnisse" (27 firms) and 22 city pages in a flat list with no state (Bundesland) level. Munich is split across two pages: "Munich (80639)" with 3 firms and "München (80336)" with 1 firm, and the German page title reads "Finden Sie einen Steuerberater in Munich (80639)". Each city page is named after one postcode, and pages with a single firm still say "Zahlreiche Steuerkanzleien sind in dieser Region vertreten".Source
    • HiringPartner Success Lead, Chartered Accountants (Paris, posted October 9, 2026): "turn Qonto's network of accounting firms into its strongest growth channel"; leads "a team of 7 Partner Success Managers"; "Drive referrals, KYBs, retention, and partner revenue across the portfolio, using AI to turn partner data into sharper targeting"; "Design scalable ways for firms to engage with Qonto that go well beyond asking them for referrals".Source
  • 08

    The Partner Success Lead is asked to design ways for firms to engage "well beyond asking them for referrals" and to use partner data for targeting. Firms care whether their clients' data arrives clean and on time.

    High impactMedium effort First result in 1 quarter Partner Success Lead

    First action

    Mock the report for three firms.

    How to measure it

    Clients with accountant access on

    Now
    –
    Target
    +20%
    By
    2 quarters

    Steps

    1. 1

      Pick metrics

      Access, export, receipts.

      Partner Success Lead, Chartered Accountants 1 week

    2. 2

      Privacy check

      What firms may see about their clients.

      Compliance 2 weeks

    3. 3

      Build

      Monthly report.

      Growth Operations 1 month

    4. 4

      Pilot

      20 firms.

      Partner Success Lead, Chartered Accountants 1 month

    5. 5

      Train managers

      Quarterly planning with firms.

      Partner Success Lead, Chartered Accountants 2 weeks

    6. 6

      Scale

      All partner firms.

      Business Unit Director, Accountants 1 quarter

    First result
    1 quarter
    Cost
    Engineering time
    Owner
    Partner Success Lead, Chartered Accountants

    Smallest test

    Send a hand-built report to five firms.

    Why it works

    Send each partner firm a monthly report: how many clients use Qonto, how many have connected accountant access or the bookkeeping export, and which clients still send paper receipts. Partner managers use it to plan the next quarter with each firm.

    A report that saves the firm work turns a referral relationship into a working one, and it shows partner managers where activation stalls.

    Risks and how to handle them

    • Client consent

      Only clients who gave the firm access.

    Evidence

    • HiringPartner Success Lead, Chartered Accountants (Paris, posted October 9, 2026): "turn Qonto's network of accounting firms into its strongest growth channel"; leads "a team of 7 Partner Success Managers"; "Drive referrals, KYBs, retention, and partner revenue across the portfolio, using AI to turn partner data into sharper targeting"; "Design scalable ways for firms to engage with Qonto that go well beyond asking them for referrals".Source
    • Your websiteAccountant hubs by country (sitemap, October 22, 2026): /fr/accountants has 24 accounting-firm customer stories, integration pages (ACD, Agiris, Cegid, MyUnisoft, Sage), events, about 20 webinars, white papers and comparators against Pennylane, Tiime, Dext, Chaintrust and MEG; /es/accountants has 5 customer stories; /de/accountants and /it/accountants are single pages. The German page offers DATEV (marketplace partner), sevDesk and Lexware Office sync and says "Steuerkanzleien sparen 5,24 Stunden/Monat durch Qonto".Source
    • Your websiteFrench accountant directory (/fr/accountants-partners): "510 résultats" (510 firms) across 1,275 URLs organised by region, department and city, with filters for 6 services, 18 industries and 5 languages. The accountant sitemap has directory pages only for France (1,275 URLs) and Germany (50 URLs, German and English); none for Austria, Italy, Spain, Belgium, the Netherlands or Portugal.Source
  • 09

    The new Central Europe CRM manager owns onboarding to churn prevention for Germany and Austria. A German account linked to a tax advisor through DATEV or accountant access is used every month; one without an advisor has to be remembered.

    High impactMedium effort First result in 1 quarter Senior CRM Manager

    First action

    Compare 90-day retention for accounts with and without accountant access.

    How to measure it

    Accounts with an advisor linked

    Now
    –
    Target
    +25%
    By
    2 quarters

    Steps

    1. 1

      Measure the gap

      Retention with and without access.

      Senior CRM Manager, Central Europe 1 week

    2. 2

      Design journey

      Ask, invite or find.

      Senior CRM Manager, Central Europe 2 weeks

    3. 3

      Build

      In the CRM tool.

      Senior CRM Manager, Central Europe 2 weeks

    4. 4

      Link the directory

      Nearby firms for "no".

      Staff Product Manager, Accounting Europe 1 week

    5. 5

      Launch

      Germany first, then Austria.

      Senior CRM Manager, Central Europe 1 month

    6. 6

      Report

      Activation and retention.

      Senior CRM Manager, Central Europe monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Senior CRM Manager, Central Europe

    Smallest test

    Email the invite step to one weekly cohort.

    Why it works

    Add an onboarding journey that asks if the client has a tax advisor. Yes: invite them and switch on the DATEV export. No: show directory firms nearby. Measure 90-day retention for each path.

    It ties the account to the person who keeps the books, and it feeds the directory and partner program at the same time.

    Risks and how to handle them

    • Clients dislike the question

      Make it skippable and ask once.

    Evidence

    • HiringSenior CRM Manager, Central Europe (Paris, posted October 13, 2026): "build lifecycle programs across onboarding, activation, retention, expansion and churn prevention"; owns "Germany and Austria, two key markets in Qonto's growth strategy", Germany primary and Austria secondary; reports "on conversion, feature adoption and business impact"; journeys in "Braze, Customer.io or HubSpot".Source
    • Your websiteGerman tax-advisor directory (/de/accountants-partners, checked October 22, 2026): "27 Ergebnisse" (27 firms) and 22 city pages in a flat list with no state (Bundesland) level. Munich is split across two pages: "Munich (80639)" with 3 firms and "München (80336)" with 1 firm, and the German page title reads "Finden Sie einen Steuerberater in Munich (80639)". Each city page is named after one postcode, and pages with a single firm still say "Zahlreiche Steuerkanzleien sind in dieser Region vertreten".Source
    • Your websiteAccountant hubs by country (sitemap, October 22, 2026): /fr/accountants has 24 accounting-firm customer stories, integration pages (ACD, Agiris, Cegid, MyUnisoft, Sage), events, about 20 webinars, white papers and comparators against Pennylane, Tiime, Dext, Chaintrust and MEG; /es/accountants has 5 customer stories; /de/accountants and /it/accountants are single pages. The German page offers DATEV (marketplace partner), sevDesk and Lexware Office sync and says "Steuerkanzleien sparen 5,24 Stunden/Monat durch Qonto".Source
  • 10

    Qonto runs a 510-firm directory, a Comptabilité sales team and an accountant channel. A new business creator either has an accountant, wants one, or wants Qonto to handle it, and each answer belongs to a different team.

    High impactMedium effort First result in 1 quarter Account Executive Accounting

    First action

    Draft the question and the three follow-ups.

    How to measure it

    New accounts choosing a path

    Now
    –
    Target
    60%
    By
    1 quarter

    Steps

    1. 1

      Write the question

      Three clear answers.

      Product Marketing 2 days

    2. 2

      Build

      In onboarding.

      Growth Operations 2 weeks

    3. 3

      Route

      To channel, directory or AE.

      Growth Operations 1 week

    4. 4

      Brief teams

      What each answer means.

      Account Executive Accounting, France 1 day

    5. 5

      Run

      All French sign-ups.

      Account Executive Accounting, France 1 month

    6. 6

      Review

      Conversion by answer.

      Growth Operations monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Account Executive Accounting, France

    Smallest test

    Ask the question by email to one cohort.

    Why it works

    Add one onboarding question with three answers: invite your accountant (accountant channel), find one (directory), or talk to Qonto Comptabilité (AE). Track conversion for each and share the "find one" demand with partner firms.

    One question sorts intent for three growth teams without extra calls.

    Risks and how to handle them

    • Partner firms feel competed with

      Show firms the leads the directory sends them.

    Evidence

    • HiringA "new Qonto Comptabilité Sales team" in France: an Account Executive Accounting will "reach out to newly onboarded business creators within days of account creation and guide them to the right offer" (posted October 22, 2026), and a Sales Development Representative intern will call "newly onboarded Qonto clients", "run an initial eligibility check" and book eligible leads with an AE.Source
    • Your websiteFrench accountant directory (/fr/accountants-partners): "510 résultats" (510 firms) across 1,275 URLs organised by region, department and city, with filters for 6 services, 18 industries and 5 languages. The accountant sitemap has directory pages only for France (1,275 URLs) and Germany (50 URLs, German and English); none for Austria, Italy, Spain, Belgium, the Netherlands or Portugal.Source
    • HiringAccount Executive, Accountant Channel (Paris, posted October 19, 2026): "turn France's accounting firms into one of Qonto's strongest growth channels"; "source and prospect accounting firms across France, with no inbound to lean on"; "get accountants recommending Qonto to their own client base"; "The accountant channel is one of Qonto's strategic growth priorities, and it's still being built."Source
  • 11

    Qonto is building its first SMB loans under its own credit licence, with Risk, Compliance, Growth and Product Marketing involved in every launch. Today's financing pages differ by country. A loan page that is clear about who qualifies and how decisions are made earns trust before the product is live.

    High impactHigh effort First result in 2 quarters Staff Product Manager

    First action

    List the eligibility facts compliance can approve now.

    How to measure it

    Waitlist sign-ups

    Now
    –
    Target
    10,000
    By
    2 quarters

    Steps

    1. 1

      Agree wording

      Eligibility and process only.

      Compliance 1 month

    2. 2

      Draft pages

      One per launch country.

      Product Marketing 1 month

    3. 3

      Add waitlist

      With segment questions.

      Growth Operations 2 weeks

    4. 4

      Legal review

      Each country.

      Compliance 1 month

    5. 5

      Publish

      Linked from financing pages.

      SEO Lead 1 week

    6. 6

      Size demand

      By segment and country.

      Staff Product Manager, Loans monthly

    First result
    2 quarters
    Cost
    Staff time only
    Owner
    Staff Product Manager, Loans

    Smallest test

    Publish one waitlist page in one country.

    Why it works

    Draft one page per launch country explaining eligibility, documents and decision steps, with a waitlist and no rates or amounts until approved. Use waitlist answers to size demand by segment, and route all copy through compliance.

    A careful explainer collects demand early without creating promises a regulated lender cannot keep.

    Risks and how to handle them

    • Regulatory wording

      No figures until approved; compliance signs every page.

    Evidence

    • HiringStaff Product Manager, Loans (posted October 21, 2026): "build Qonto's first SMB loans from zero to one" "as we open lending under our own credit license"; "explore how AI can guide clients to the right financing, within a strict regulatory frame"; works "with our credit platform team, Risk, Compliance, Growth and Product Marketing to get every launch approved and live".Source
    • Your websiteGermany has ten financing pages (commercial loan, installment loan, overdraft, pay later, GmbH and freelancer financing, SME financing, partners), France eleven, Spain five and Italy four; offers and availability differ by country.Source
    • Your websiteLegal footer on qonto.com: Qonto SA is a regulated payment institution authorised by the French Autorité de Contrôle Prudentiel et de Résolution (ACPR), licence no. 16958. Offers, prices and features are presented per country site.Source
  • 12

    Austria has 42 pages to Germany's 548 and three comparison pages to Germany's twenty. Founders compare business accounts with local banks first.

    Medium impactMedium effort First result in 1 quarter Head of Marketing Central Eur…

    First action

    List Austrian searches for business accounts and comparisons.

    How to measure it

    Austrian organic sign-ups

    Now
    –
    Target
    +25%
    By
    2 quarters

    Steps

    1. 1

      Find searches

      Top ten in Austria.

      SEO Lead 1 week

    2. 2

      Check features

      Available in Austria.

      Product Marketing 1 week

    3. 3

      Write pages

      With Austrian examples.

      Head of Marketing Central Europe 1 month

    4. 4

      Compliance

      Comparison claims.

      Compliance 2 weeks

    5. 5

      Publish

      With hreflang.

      SEO Lead 1 week

    6. 6

      Measure

      Rankings and sign-ups.

      SEO Lead monthly

    First result
    1 quarter
    Cost
    Writing time
    Owner
    Head of Marketing Central Europe

    Smallest test

    Publish one Austrian bank comparison.

    Why it works

    Pick the ten Austrian searches with most volume, starting with comparisons against Austria's main banks, and write them with Austrian examples. Check that each feature mentioned is available in Austria and send claims through compliance.

    Comparison searches are high intent and local pages win them, while Austria has few.

    Risks and how to handle them

    • Feature availability differs

      Only show what Austrian customers can use.

    Evidence

    • Your websiteLocale depth in the main sitemap: /fr 616 URLs, /de 548, /es 385, /it 350, /en 145, /en-de 110, /nl 93, /en-nl 85, /pt 54, and /de-at, /fr-be and /nl-be 42 each. Austria has 3 comparison pages (Erste Bank, N26, Revolut) against 20 for Germany, and no financing pages.Source
    • Your websiteGerman comparison pages: Qonto vs Finom, Holvi, N26, Revolut, Fyrst, Vivid, bunq, Sparkasse, Commerzbank, Postbank, and expense tools Pleo, Pliant, Expensify, Spendesk and Soldo. French comparisons include Shine, Pennylane, Revolut, Boursorama and the main banks.Source
    • HiringSenior CRM Manager, Central Europe (Paris, posted October 13, 2026): "build lifecycle programs across onboarding, activation, retention, expansion and churn prevention"; owns "Germany and Austria, two key markets in Qonto's growth strategy", Germany primary and Austria secondary; reports "on conversion, feature adoption and business impact"; journeys in "Braze, Customer.io or HubSpot".Source
  • 13

    Growth Operations is hiring someone to own website tracking and tagging for paid acquisition and to connect Salesforce, Segment, Braze and Meta. The homepage loads 11 third-party tools, and slow tags also hurt speed.

    High impactMedium effort First result in 1 quarter Growth Operations

    First action

    List every tag on the homepage and who owns it.

    How to measure it

    Paid cost per activated account

    Now
    –
    Target
    -15%
    By
    2 quarters

    Steps

    1. 1

      Audit tags

      Owner and purpose.

      Growth Operations 1 week

    2. 2

      Remove duplicates

      And unused tools.

      Growth Operations 1 week

    3. 3

      Consent check

      Every tag honours consent.

      Compliance 2 weeks

    4. 4

      Server events

      Sign-up and activation.

      Growth Operations 1 month

    5. 5

      Optimise campaigns

      For activation.

      Growth Operations 1 month

    6. 6

      Report

      Cost per activated account.

      Growth Operations monthly

    First result
    1 quarter
    Cost
    Engineering time
    Owner
    Growth Operations

    Smallest test

    Send activation events for one campaign.

    Why it works

    Audit every tag, remove duplicates, move ad conversion signals to server-side events that respect each visitor's consent choice, and send sign-up and activation events to ad platforms so campaigns optimise for activated accounts.

    Cleaner, consented signals make paid spend smarter and pages faster at the same time.

    Risks and how to handle them

    • Privacy rules

      Legal review before any new data flow.

    Evidence

    • HiringGrowth Operations Apprentice (posted October 15, 2026): "configure API integrations so data flows reliably between systems (Salesforce, Segment, Braze, Meta, etc.)", "build data enrichment flows to provide the Sales teams with the best insights", and "Boost our Paid Acquisition campaigns by owning website tracking and tagging".Source
    • Google PageSpeedqonto.com/en on mobile (October 22, 2026): performance 31/100; lab Largest Contentful Paint 18.6s and the largest element is the cookie banner text ("Your data. Your choice..."); 10 MB downloaded, 7.9 MB of it images, 6.3 MB savable with cache lifetimes; 3.3s of blocking time; 11 third-party services load on the page. Real visitors: LCP 2.6s at the 75th percentile, just over Google's 2.5s line, so the page narrowly fails Core Web Vitals; INP 188 ms.Source
    • HiringSenior CRM Manager, Central Europe (Paris, posted October 13, 2026): "build lifecycle programs across onboarding, activation, retention, expansion and churn prevention"; owns "Germany and Austria, two key markets in Qonto's growth strategy", Germany primary and Austria secondary; reports "on conversion, feature adoption and business impact"; journeys in "Braze, Customer.io or HubSpot".Source
  • 14

    The German social student will scout creators and customer voices and shoot hook-story-CTA videos. Tax advisors are trusted and many already post short tips for founders.

    Medium impactLow effort First result in 1 quarter Social Media Working Student

    First action

    Ask two partner firms to film the first episode.

    How to measure it

    Social visits to the directory

    Now
    –
    Target
    +50%
    By
    2 quarters

    Steps

    1. 1

      Pick firms

      Two willing partners.

      Social Media Working Student (Germany) 1 week

    2. 2

      Script

      Problem, fix, outcome.

      Social Media Working Student (Germany) 1 week

    3. 3

      Film

      Monthly.

      Social Media Working Student (Germany) monthly

    4. 4

      Cut clips

      LinkedIn and Instagram.

      Social Media Working Student (Germany) monthly

    5. 5

      Newsletter

      Feature each episode.

      Social Media Working Student (Germany) monthly

    6. 6

      Measure

      Views and directory visits.

      Growth Operations monthly

    First result
    1 quarter
    Cost
    Production time
    Owner
    Social Media Working Student (Germany)

    Smallest test

    Film one episode.

    Why it works

    Film a monthly series with a partner Steuerberater and one of their Qonto clients: a real bookkeeping problem and how they solved it. Cut it for LinkedIn and Instagram and feature it in the German newsletter.

    It promotes partner firms, shows the product in real use, and gives the newsletter content readers want.

    Risks and how to handle them

    • Advice could read as tax advice

      Keep it general; advisors review the edit.

    Evidence

    • HiringSocial Media Working Student, Berlin (posted October 20, 2026), under the Head of Marketing Central Europe: short-form video "following a clear hook-story-CTA structure", "Scout creators and customer voices", and own "the newsletter that keeps hundreds of thousands of SMEs across Germany informed".Source
    • Your websiteGerman tax-advisor directory (/de/accountants-partners, checked October 22, 2026): "27 Ergebnisse" (27 firms) and 22 city pages in a flat list with no state (Bundesland) level. Munich is split across two pages: "Munich (80639)" with 3 firms and "München (80336)" with 1 firm, and the German page title reads "Finden Sie einen Steuerberater in Munich (80639)". Each city page is named after one postcode, and pages with a single firm still say "Zahlreiche Steuerkanzleien sind in dieser Region vertreten".Source
    • Your websiteAccountant hubs by country (sitemap, October 22, 2026): /fr/accountants has 24 accounting-firm customer stories, integration pages (ACD, Agiris, Cegid, MyUnisoft, Sage), events, about 20 webinars, white papers and comparators against Pennylane, Tiime, Dext, Chaintrust and MEG; /es/accountants has 5 customer stories; /de/accountants and /it/accountants are single pages. The German page offers DATEV (marketplace partner), sevDesk and Lexware Office sync and says "Steuerkanzleien sparen 5,24 Stunden/Monat durch Qonto".Source

Big bets 4

Larger plays that can change the trajectory.

  • 15

    The accounting PM owns "every European market outside France" and is told to take what works in Germany elsewhere. Today only France and Germany have directories, while Spain and Italy have accountants pages and partner programs.

    High impactHigh effort First result in 4 quarters Staff Product Manager

    First action

    Rank markets by partner firms already signed.

    How to measure it

    Live directories

    Now
    –
    Target
    5
    By
    4 quarters

    Steps

    1. 1

      Rank markets

      Partners signed and demand.

      Staff Product Manager, Accounting Europe 2 weeks

    2. 2

      Recruit firms

      Before each launch.

      Partner Success Lead, Chartered Accountants 1 quarter

    3. 3

      Localise

      Structure and copy.

      SEO Lead 1 month

    4. 4

      Legal check

      Profession rules per country.

      Compliance 1 month

    5. 5

      Launch

      One country a quarter.

      Staff Product Manager, Accounting Europe quarterly

    6. 6

      Measure

      Contacts and accounts.

      Growth Operations monthly

    First result
    4 quarters
    Cost
    Team time and recruitment
    Owner
    Staff Product Manager, Accounting Europe

    Smallest test

    Launch Spain with 50 firms.

    Why it works

    After the German rebuild, launch directories country by country with the same structure, starting where partner programs exist (Spain, Italy), each with local firms recruited before launch.

    Every market needs accountants, and a directory gives Qonto a local acquisition engine and partner channel at once.

    Risks and how to handle them

    • Empty directories

      Launch only with enough firms.

    Evidence

    • HiringStaff Product Manager, Accounting Europe (German speaking, Berlin, posted October 21, 2026): "You'll start with Germany, then take what works to other European markets"; "Fix a broken experience: You'll build an accounting page that surfaces our existing building blocks and integrations, starting with Connect"; "spend your time with SMEs, accountants and tax advisors"; "You start with a live tax advisor marketplace and a proven French bookkeeping engine"; the role owns "accounting for every European market outside France".Source
    • Your websiteFrench accountant directory (/fr/accountants-partners): "510 résultats" (510 firms) across 1,275 URLs organised by region, department and city, with filters for 6 services, 18 industries and 5 languages. The accountant sitemap has directory pages only for France (1,275 URLs) and Germany (50 URLs, German and English); none for Austria, Italy, Spain, Belgium, the Netherlands or Portugal.Source
    • Your websiteAccountant hubs by country (sitemap, October 22, 2026): /fr/accountants has 24 accounting-firm customer stories, integration pages (ACD, Agiris, Cegid, MyUnisoft, Sage), events, about 20 webinars, white papers and comparators against Pennylane, Tiime, Dext, Chaintrust and MEG; /es/accountants has 5 customer stories; /de/accountants and /it/accountants are single pages. The German page offers DATEV (marketplace partner), sevDesk and Lexware Office sync and says "Steuerkanzleien sparen 5,24 Stunden/Monat durch Qonto".Source
    • Your websiteLocale depth in the main sitemap: /fr 616 URLs, /de 548, /es 385, /it 350, /en 145, /en-de 110, /nl 93, /en-nl 85, /pt 54, and /de-at, /fr-be and /nl-be 42 each. Austria has 3 comparison pages (Erste Bank, N26, Revolut) against 20 for Germany, and no financing pages.Source
  • 16

    Qonto syncs with DATEV, sevDesk and Lexware Office in Germany and with ACD, Agiris, Cegid, MyUnisoft and Sage in France, and offers an MCP connection for AI tools. Each vendor has thousands of accounting firms as customers.

    High impactHigh effort First result in 4 quarters Business Unit Director

    First action

    Rank vendors by firm customers in France and Germany.

    How to measure it

    Firms from vendor co-marketing

    Now
    –
    Target
    200
    By
    4 quarters

    Steps

    1. 1

      Rank vendors

      By firm reach.

      Business Unit Director, Accountants 2 weeks

    2. 2

      Pitch two

      Per market.

      Business Unit Director, Accountants 1 quarter

    3. 3

      Marketplace listings

      Up to date.

      Staff Product Manager, Accounting Europe 1 month

    4. 4

      Joint webinars

      Quarterly.

      Head of Marketing Central Europe quarterly

    5. 5

      Firm offer

      Partner program invite.

      Partner Success Lead, Chartered Accountants 1 month

    6. 6

      Measure

      Firms and referred clients.

      Growth Operations monthly

    First result
    4 quarters
    Cost
    Co-marketing budget
    Owner
    Business Unit Director, Accountants

    Smallest test

    Run one joint webinar with an existing integration partner.

    Why it works

    Agree joint marketing with two vendors per market: listings in their marketplaces, a joint webinar for firms each quarter, and an offer for their firm customers to join the Qonto partner program.

    It reaches firms through the software they open every day, at a fraction of the cost of one-by-one prospecting.

    Risks and how to handle them

    • Vendors build banking features

      Pick vendors that want a bank partner.

    Evidence

    • Your websiteAccountant hubs by country (sitemap, October 22, 2026): /fr/accountants has 24 accounting-firm customer stories, integration pages (ACD, Agiris, Cegid, MyUnisoft, Sage), events, about 20 webinars, white papers and comparators against Pennylane, Tiime, Dext, Chaintrust and MEG; /es/accountants has 5 customer stories; /de/accountants and /it/accountants are single pages. The German page offers DATEV (marketplace partner), sevDesk and Lexware Office sync and says "Steuerkanzleien sparen 5,24 Stunden/Monat durch Qonto".Source
    • Your websiteHomepage (/en): "Business account, AI-powered", built-in AI agents and "Connect Qonto MCP to the AI tools you already work with every day"; navigation lists a "Chartered Accountants directory", "Entrepreneur insight 2026", an ROI calculator and country selection for France, Germany, Spain, Italy, Austria, Belgium, Portugal and the Netherlands.Source
    • HiringPartner Success Lead, Chartered Accountants (Paris, posted October 9, 2026): "turn Qonto's network of accounting firms into its strongest growth channel"; leads "a team of 7 Partner Success Managers"; "Drive referrals, KYBs, retention, and partner revenue across the portfolio, using AI to turn partner data into sharper targeting"; "Design scalable ways for firms to engage with Qonto that go well beyond asking them for referrals".Source
    • HiringAccount Executive, Accountant Channel (Paris, posted October 19, 2026): "turn France's accounting firms into one of Qonto's strongest growth channels"; "source and prospect accounting firms across France, with no inbound to lean on"; "get accountants recommending Qonto to their own client base"; "The accountant channel is one of Qonto's strategic growth priorities, and it's still being built."Source
  • 17

    Qonto sees cash flow for 750,000 businesses and is opening lending under its own licence, with AI meant to guide clients to the right financing within a strict regulatory frame.

    High impactHigh effort First result in 4 quarters Staff Product Manager

    First action

    List three moments in the account that signal financing need.

    How to measure it

    In-app financing uptake

    Now
    –
    Target
    Set at launch
    By
    4 quarters

    Steps

    1. 1

      Pick moments

      Three signals.

      Staff Product Manager, Loans 1 month

    2. 2

      Risk rules

      Eligibility logic.

      Staff Product Manager, Loans 1 quarter

    3. 3

      Compliance review

      Every message.

      Compliance 1 month

    4. 4

      Build

      In-app offer.

      Staff Product Manager, Loans 1 quarter

    5. 5

      Pilot

      One country.

      Staff Product Manager, Loans 1 quarter

    6. 6

      Measure

      Uptake and repayment.

      Staff Product Manager, Loans monthly

    First result
    4 quarters
    Cost
    Product and risk time
    Owner
    Staff Product Manager, Loans

    Smallest test

    Test messaging with a waitlist cohort.

    Why it works

    Once approved, show eligible clients a financing option in the account at the moment of need (a large supplier invoice, a seasonal dip), explained in plain language, with full decisions by the Risk team's rules. Measure uptake and repayment.

    Credit offered in context converts far better than a loan page, and Qonto's data makes decisions faster.

    Risks and how to handle them

    • Responsible lending

      Clear terms, no pressure, compliance sign-off.

    Evidence

    • HiringStaff Product Manager, Loans (posted October 21, 2026): "build Qonto's first SMB loans from zero to one" "as we open lending under our own credit license"; "explore how AI can guide clients to the right financing, within a strict regulatory frame"; works "with our credit platform team, Risk, Compliance, Growth and Product Marketing to get every launch approved and live".Source
    • HiringEvery Qonto job post: "1,700 Qontoers serving over 750,000 customers across 8 European countries", "profitable since 2023", "rated 4.7 on Trustpilot ... based on 60,000 reviews" and a "Net Promoter Score of 75".Source
    • Your websiteGermany has ten financing pages (commercial loan, installment loan, overdraft, pay later, GmbH and freelancer financing, SME financing, partners), France eleven, Spain five and Italy four; offers and availability differ by country.Source
    • Your websiteLegal footer on qonto.com: Qonto SA is a regulated payment institution authorised by the French Autorité de Contrôle Prudentiel et de Résolution (ACPR), licence no. 16958. Offers, prices and features are presented per country site.Source
  • 18

    France has a proven bookkeeping engine and an in-house Comptabilité offer; the German PM starts from that engine and a tax-advisor marketplace. In Germany the natural route is through licensed firms.

    Medium impactHigh effort First result in 4 quarters Partner Success Lead

    First action

    Ask five partner firms if they would offer a fixed package.

    How to measure it

    Pilot package clients

    Now
    –
    Target
    500
    By
    4 quarters

    Steps

    1. 1

      Legal check

      Professional rules.

      Compliance 1 month

    2. 2

      Recruit firms

      Five partners.

      Partner Success Lead, Chartered Accountants 1 month

    3. 3

      Design package

      Scope and price set by firms.

      Staff Product Manager, Accounting Europe 1 month

    4. 4

      Add to onboarding

      Germany only.

      Growth Operations 1 month

    5. 5

      Run pilot

      Two quarters.

      Partner Success Lead, Chartered Accountants 2 quarters

    6. 6

      Decide

      Scale or stop.

      Business Unit Director, Accountants 1 month

    First result
    4 quarters
    Cost
    Pilot team time
    Owner
    Partner Success Lead, Chartered Accountants

    Smallest test

    Survey new German GmbHs about bookkeeping help.

    Why it works

    Pilot a package with five directory firms: a fixed monthly service for new GmbHs and freelancers, sold in Qonto onboarding and delivered by the firm on Qonto data. Check professional rules with legal counsel first.

    It answers the "who does my books" question at sign-up and sends partner firms clients.

    Risks and how to handle them

    • Professional rules

      Firms deliver and price the service; Qonto refers.

    Evidence

    • HiringStaff Product Manager, Accounting Europe (German speaking, Berlin, posted October 21, 2026): "You'll start with Germany, then take what works to other European markets"; "Fix a broken experience: You'll build an accounting page that surfaces our existing building blocks and integrations, starting with Connect"; "spend your time with SMEs, accountants and tax advisors"; "You start with a live tax advisor marketplace and a proven French bookkeeping engine"; the role owns "accounting for every European market outside France".Source
    • HiringA "new Qonto Comptabilité Sales team" in France: an Account Executive Accounting will "reach out to newly onboarded business creators within days of account creation and guide them to the right offer" (posted October 22, 2026), and a Sales Development Representative intern will call "newly onboarded Qonto clients", "run an initial eligibility check" and book eligible leads with an AE.Source
    • Your websiteGerman tax-advisor directory (/de/accountants-partners, checked October 22, 2026): "27 Ergebnisse" (27 firms) and 22 city pages in a flat list with no state (Bundesland) level. Munich is split across two pages: "Munich (80639)" with 3 firms and "München (80336)" with 1 firm, and the German page title reads "Finden Sie einen Steuerberater in Munich (80639)". Each city page is named after one postcode, and pages with a single firm still say "Zahlreiche Steuerkanzleien sind in dieser Region vertreten".Source

Wildcards 3

Unexpected experiments, each with a cheap way to test it.

  • 19

    Qonto has 225 German glossary pages and thousands of blog posts that answer bookkeeping questions. Readers of a page on EÜR or Umsatzsteuer are close to needing a tax advisor or accounting tool.

    Medium impactLow effort First result in 1 month SEO Lead

    First action

    Tag the glossary pages about accounting and tax.

    How to measure it

    Content-to-directory clicks

    Now
    –
    Target
    5,000 a month
    By
    2 quarters

    Steps

    1. 1

      Tag pages

      Accounting and tax topics.

      SEO Lead 1 week

    2. 2

      Design block

      One line and a link.

      Web team (marketing site) 1 week

    3. 3

      Roll out

      Tagged pages.

      Web team (marketing site) 1 week

    4. 4

      Localise

      Austria and Germany versions.

      SEO Lead 1 week

    5. 5

      Track

      Clicks and sign-ups.

      Growth Operations monthly

    6. 6

      Expand

      French glossary.

      SEO Lead 1 quarter

    First result
    1 month
    Cost
    $0
    Owner
    SEO Lead

    Smallest test

    Add the block to 20 pages.

    Why it works

    Add a short "need help with this?" block to accounting glossary and blog pages, linking the nearest directory city or the accounting page, and track clicks.

    It turns existing traffic into directory and product visits at no content cost.

    Risks and how to handle them

    • Clutter

      One block per page.

    Evidence

    • Your websiteContent scale: the blog sitemap lists 4,384 URLs; the site also has tool pages (/tools, 289), glossaries (/glossary 271, German /glossar 225), resources (155), separate sitemaps for SWIFT-code and IBAN lookup pages, and referral pages for ten locales.Source
    • Your websiteGerman tax-advisor directory (/de/accountants-partners, checked October 22, 2026): "27 Ergebnisse" (27 firms) and 22 city pages in a flat list with no state (Bundesland) level. Munich is split across two pages: "Munich (80639)" with 3 firms and "München (80336)" with 1 firm, and the German page title reads "Finden Sie einen Steuerberater in Munich (80639)". Each city page is named after one postcode, and pages with a single firm still say "Zahlreiche Steuerkanzleien sind in dieser Region vertreten".Source
    • Your websiteAccountant hubs by country (sitemap, October 22, 2026): /fr/accountants has 24 accounting-firm customer stories, integration pages (ACD, Agiris, Cegid, MyUnisoft, Sage), events, about 20 webinars, white papers and comparators against Pennylane, Tiime, Dext, Chaintrust and MEG; /es/accountants has 5 customer stories; /de/accountants and /it/accountants are single pages. The German page offers DATEV (marketplace partner), sevDesk and Lexware Office sync and says "Steuerkanzleien sparen 5,24 Stunden/Monat durch Qonto".Source
  • 20

    Qonto runs separate sitemaps for IBAN and SWIFT-code pages. Many visitors are businesses paying a supplier abroad.

    Medium impactLow effort First result in 1 month SEO Lead

    First action

    Pull traffic for the IBAN and SWIFT pages.

    How to measure it

    Sign-ups from lookups

    Now
    –
    Target
    +30%
    By
    2 quarters

    Steps

    1. 1

      Pull traffic

      By page and country.

      SEO Lead 2 days

    2. 2

      Write prompts

      Per locale.

      Product Marketing 1 week

    3. 3

      Compliance

      Wording.

      Compliance 1 week

    4. 4

      Add

      To lookup templates.

      Web team (marketing site) 1 week

    5. 5

      Test

      Two versions.

      Growth Operations 1 month

    6. 6

      Scale

      Winner everywhere.

      Web team (marketing site) 1 week

    First result
    1 month
    Cost
    $0
    Owner
    SEO Lead

    Smallest test

    Add one prompt to the SWIFT page template.

    Why it works

    Add a short, relevant prompt on those pages about sending SEPA and international transfers from a business account, localised by country site, and track sign-ups from lookups.

    High-traffic utility pages are cheap reach, and a relevant prompt converts a small but steady share.

    Risks and how to handle them

    • Visitors are not business owners

      Keep the prompt small.

    Evidence

    • Your websiteContent scale: the blog sitemap lists 4,384 URLs; the site also has tool pages (/tools, 289), glossaries (/glossary 271, German /glossar 225), resources (155), separate sitemaps for SWIFT-code and IBAN lookup pages, and referral pages for ten locales.Source
    • Your websiteHomepage (/en): "Business account, AI-powered", built-in AI agents and "Connect Qonto MCP to the AI tools you already work with every day"; navigation lists a "Chartered Accountants directory", "Entrepreneur insight 2026", an ROI calculator and country selection for France, Germany, Spain, Italy, Austria, Belgium, Portugal and the Netherlands.Source
  • 21

    Qonto has referral pages in ten locales, a 75 Net Promoter Score and 60,000 Trustpilot reviews. Referral asks usually go out at random.

    Medium impactLow effort First result in 1 month Senior CRM Manager

    First action

    Pick three happy moments in the data.

    How to measure it

    Referred sign-ups

    Now
    –
    Target
    +25%
    By
    2 quarters

    Steps

    1. 1

      Pick moments

      Three triggers.

      Senior CRM Manager, Central Europe 1 week

    2. 2

      Write copy

      Per country.

      Senior CRM Manager, Central Europe 1 week

    3. 3

      Compliance

      Referral terms.

      Compliance 1 week

    4. 4

      Build

      CRM journeys.

      Senior CRM Manager, Central Europe 2 weeks

    5. 5

      Run

      All markets.

      Senior CRM Manager, Central Europe 1 month

    6. 6

      Measure

      Referrals per trigger.

      Growth Operations monthly

    First result
    1 month
    Cost
    Staff time only
    Owner
    Senior CRM Manager, Central Europe

    Smallest test

    Trigger one ask after a top support rating.

    Why it works

    Trigger the referral ask after positive moments (first invoice paid, a top support rating, a successful DATEV export) in the CRM, with copy approved per country.

    Customers refer when they have just felt the value.

    Risks and how to handle them

    • Too many messages

      Cap referral asks per customer.

    Evidence

    • Your websiteContent scale: the blog sitemap lists 4,384 URLs; the site also has tool pages (/tools, 289), glossaries (/glossary 271, German /glossar 225), resources (155), separate sitemaps for SWIFT-code and IBAN lookup pages, and referral pages for ten locales.Source
    • HiringEvery Qonto job post: "1,700 Qontoers serving over 750,000 customers across 8 European countries", "profitable since 2023", "rated 4.7 on Trustpilot ... based on 60,000 reviews" and a "Net Promoter Score of 75".Source
    • HiringSenior CRM Manager, Central Europe (Paris, posted October 13, 2026): "build lifecycle programs across onboarding, activation, retention, expansion and churn prevention"; owns "Germany and Austria, two key markets in Qonto's growth strategy", Germany primary and Austria secondary; reports "on conversion, feature adoption and business impact"; journeys in "Braze, Customer.io or HubSpot".Source

03

How Programmable can help

Where an idea in this playbook is something Programmable builds or runs, it's listed here with what we'd do. Everything else is yours to run.

ProgrammableDigital

Show it, don't just describe it

These ideas need something to show: a demo, a video, an animation, graphics or a deck. Digital turns screenshots or the site into all of them, in the company's own brand.

Make a demo (opens programmable.digital in a new tab)
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See every playbook and website review

Independent research. Programmable wrote this playbook from public sources, as they stood on October 23, 2026, and cites them throughout. Qonto did not commission, review or endorse it, and Programmable is not affiliated with Qonto. Company and product names are trademarks of their owners, used only to identify them. The ideas are suggestions and opinion, not professional, legal or financial advice, and not statements about how Qonto runs its business.

Something wrong, or do you represent Qonto? Email [email protected] and we will correct it or take it down.

30/60/90 roadmap

What to focus on in each month, and the ideas that carry it.

  1. Days 1 to 306 ideas

    German directory fix, one customer figure, the Austrian page, homepage speed, Comptabilité scoring and the French partner gap map.

  2. Days 31 to 6011 ideas

    German accountants hub, partner reports, the advisor invite journey, the accountant question in onboarding, loan explainers, Austria content, consented tagging and advisor videos; glossary links, lookup prompts and referral timing.

  3. Days 61 to 904 ideas

    Commit to the big bets: directories across Europe, software co-selling, in-account credit and a German partner bookkeeping pilot.

The research behind the plan

3 research areas, each summarised in a few lines. Open any of them for the full detail.

Customers

What customers say

Customers value fast online account opening. The most cited problem: paperwork with traditional banks.

  • Human support at any hour
  • Chasing receipts for the accountant
  • In their words: “Geschäftskonto”

Market

Competitive landscape

5 competitors compared: Finom, Holvi, N26 and Revolut Business, Traditional banks (Sparkasse, Commerzbank, BNP Paribas and others) and 1 more.

  • Gap to exploit: Tax-advisor discovery for German founders
  • Finom: Smaller accountant network
  • Holvi: Narrower SME offer

Hiring signals

Qonto's hiring points to accountants as the next growth engine: a Partner Success Lead for accounting firms and an accountant-channel AE in France (ideas 6, 8, 16), a German-speaking PM to grow accounting from Germany…

  • Staff Product Manager, Accounting Europe (German speaking): Germany first, a live tax-advisor marketplace. Ideas 1, 7, 15.
  • Partner Success Lead, Chartered Accountants: Firms as the strongest growth channel, beyond referrals. Idea 8.
  • Account Executive, Accountant Channel: Outbound to French firms with no inbound. Idea 6.

From the team that wrote this playbook

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