
Connect Qonto to Well
Read your Qonto organisation, bank accounts, balances, transactions, and supplier invoices with their PDF attachments into Well over OAuth, and file approved supplier-invoice PDFs back to Qonto. It is the one connector Well writes to directly through a provider API.
Production adoption for the Qonto connector
Adoption figures for Qonto · updated 2026-10-25. Auto-post-ready % is a platform-wide rate across all of Well, to date (confidence ≥ 0.85). Numbers anonymised; no customer identifying data.
What flows between Well and Qonto
Well writes reconciled bank transaction, bank account, balance back to Qonto after they clear your review queue, with the source-record link preserved. Use Qonto as the destination for entries enriched across your other connected tools.
| From Qonto | In Well | Relation | |
|---|---|---|---|
| Bank transaction | Invoice | Matches | |
| Bank account | Workspace account | Syncs as | |
| Balance | Cash position | Feeds | |
| Supplier invoice | Workspace invoice | Becomes | |
| Approved invoice PDF | Qonto supplier invoice | Files back as |

- Sync mode
- MCP hybrid
- Refresh
- live + reconciliation reads
- Direction
- Qonto ⇄ Well
6 triggers and actions in Qonto.

When a supplier invoice is uploaded to Qonto
Detects supplier invoices uploaded into the Qonto invoicing inbox.
Trigger·Invoice
When a Qonto supplier invoice is updated
Picks up any update to a Qonto supplier invoice the next time Well checks for updates.
Trigger·Invoice
New transaction posted to Qonto account
Well pulls transaction details directly from your Qonto account when a new entry is posted.
Trigger·Transaction
Business account balance updated
Well monitors changes in your Qonto business accounts to keep balances synchronized.
Trigger·Account
New bank account connected in Qonto
When a new business account appears on your Qonto organization, Well starts tracking its activity in your workspace.
Trigger·Account
Push a supplier invoice PDF to Qonto
Well POSTs the supplier invoice PDF to Qonto's /v2/supplier_invoices/bulk endpoint via OAuth so the invoice appears under your Qonto supplier invoices.
Action·Document
What Well does with your Qonto connection
Connect
Connect Qonto over OAuth (MCP DCR via Well): Well registers a client through Qonto's OAuth Dynamic Client Registration and you approve on Qonto's side, so the password never reaches Well; Well holds only a scoped token it can refresh.
Sync
Well brings bank transaction, bank account, and balance in from Qonto through live reads, backed by a periodic reconciliation pass. The first sync backfills history in the background and the connection stays live after.
Enrich
Well resolves each Qonto entity into invoice, workspace account, and cash position, assigns categories, and links every record to an audit trail across the rest of your connected tools.
Available
Your data from Qonto lands as invoice, workspace account, and cash position you can search, chart, and automate, and approved records flow back to Qonto once they clear your review queue.
Questions Qonto unlocks
Ask in plain language. Well answers from your connected Qonto connection, resolved against the rest of your stack.
Ask anything about your Qonto connection
Ask about your Qonto connection…
54 agent skills run on Qonto.
Each one answers a question from live Qonto data. The required ones return nothing until a source like it is connected.
Needs a source like Qonto
Runway
Know how many months of cash you have at your current burn, with both sides of the division shown.
Runway Stress Test
See how long your cash lasts if a customer pays late, leaves, or you hire.
Cash position
Know how much cash you hold right now, with the accounts counted and the ones left out both stated.
Cost structure
See a company's or household's spend by category, supplier and trend; not for savings: use Subscription spend.
Money leak finder
Find the double charges and price rises in your bank debits, each with the dates and amounts your bank shows.
Chase late invoices
Get a prioritized list of who to chase for payment, with their contact info and a message already drafted.
Secure Payroll
Know if payroll is safe, and which vendor bills to push if it is not.
Rank clients by LTV
Rank your most valuable customers by lifetime value, over a year you name or their whole life.
Customer Dependency
See how much of your revenue rides on a few customers, and what a late or lost one does to your cash.
Company profile
Everything you know about one company, in one view.
Payment and invoice lookup
Find what payment settled an invoice, or catch every payment that never got one.
Missing receipts
Find the bills with no paperwork attached, before an auditor does.
Invoice Compliance
Know which invoices are missing a legal line before your customer or the tax office does.
Burn rate
Know what you spend in an average month over a window you can see, with the months that carried no spend counted.
Recurring revenue
See the monthly run-rate of live subscriptions, or an invoice average when no typed subscriptions are present.
Cash forecast
See the settled month-end cash series and where the line goes from the last complete month.
Cash flow bridge
See how the month moved from opening cash to closing cash, with whatever does not reconcile named as its own step.
Missing supplier invoices
See which suppliers owe you paperwork, in each of your files, for a month, a quarter or this week.
Assign missing invoices
Put a name on every settled expense that still has no invoice.
Missing invoice sweep
Walk the whole month-end sweep in one prompt.
Close the books
Drive the month-end close from open to sent to your accounting tool.
Accounting review
Work through your open accounting items by category.
Categorize your suppliers
Close the category gaps behind your spend before you close a month.
Board pack
The board numbers in one pass, each with its scope and its window stated.
Optimize Supplier Prices
See what you paid a supplier, how its price moved, and get the negotiation email drafted.
Subscription spend
See what each scheduled supplier costs a month and a year, how it moved, and where your workspaces can save.
Subscription actions
Act on a subscription you name or pick by number from a list: cancel, renegotiate or contest a double debit.
Personal spending
See what you spent on one category, such as groceries, this month and how that compares to a usual month.
Prefill Form 1120
Get page 1 of your 1120 back as a PDF with your own book figures already in the boxes, and a list of every box left for your preparer.
Prefill Form 1099-NEC
Get one 1099-NEC per contractor back as a PDF with your own posted figures already in box 1, and the list of payees you cannot file for yet.
Unposted and blocked
See what in a month has not reached the ledger, and which pile each item sits in.
Check bank and books
Compare your bank with your books, list the gaps, and re-run what missed rows.
VAT radar
See the VAT position your data suggests for a quarter, and which invoices to fix first.
Accounting reports
Read your profit and loss or balance sheet from QuickBooks, Xero or Pennylane.
Answers better with Qonto
Receivables aging
See which customers still owe you money: the unpaid and overdue invoices, how late each is, and the total.
Bills due
See what you owe and when, ordered by due date with a running total.
FX exposure
See how much of your cash and receivables sit outside your reporting currency.
Invoice fetching agents
See exactly which agents would run, before any of them does.
Convert currencies
Turn mixed currencies into one number you can actually audit.
Payables aging
See what you owe your suppliers, and how long each bill has been past due.
Compose a board
The measures you name, arranged on one board that stores the question rather than the answer.
Revenue by customer
See how much each customer billed in a period, ranked by revenue, with the part you could not place named.
Supplier spend register
See what each supplier invoiced you over a year, ranked, with unplaced invoices counted.
Call and claim
Claim a refund or a compensation with the evidence in hand, and know what to say when you call.
Money back
Find money owed back to you: refunds, credit notes, VAT credits, double debits, then unpaid customer invoices.
Employer cost
Read a month of payslips, or each of several months, and state, per person, gross pay plus the employee deductions and the employer charges the payslip printed, then list the payroll related bills paid from the bank that no payslip carries.
Check contractor status
For each supplier that looks like a freelancer, read the purchase invoices, the payment rail and any contract Well holds, and state the facts a requalification question turns on, next to the papers your country expects you to keep.
Uses Qonto when it is there
Connects and checks Qonto
Check your connections
See what is connected, what is syncing, and what is missing.
Build your context graph
Connect your AI apps and your tools, then see your business as one context graph.
Connect your bank
Get the bank feed in, and confirm it is really live.
Tax id chase
The companies you deal with that carry no tax identifier, listed before year end.
Connect Qonto in three steps
- 01
Authorise Qonto over OAuth
In Qonto you approve the 22 scopes listed on this page. Writes need your confirmation or a routine.
- AuthOAuth 2.0 over DCR, with offline_access to refresh the token
- Account and invoice readsorganization.read, supplier_invoice.read, client_invoices.read, attachment.read
- Other readscard.read, client.read, einvoicing.read, membership.read, product.read
- More readsinsurance_contract.read, payment_link.read, sepa_direct_debit.read, team.read
- Write scopes, on an action you confirmsupplier_invoice.write, client_invoice.write, cash_flow_category.write
- Payment link, routine, and notice scopespayment_link.write; attachment.write, for a routine; webhook
- 02
Map your entities
Well reads your Qonto organisation, bank accounts, balances, transactions, and supplier invoices with their PDF attachments into the workspace as structured records. organization.read covers the account and transaction side, including each account's payment details; the supplier-invoice scope covers the invoices and their documents.
- Mappingpreconfigured by Well
- 03
Use the data
Once you confirm a supplier-invoice PDF, Well files it to Qonto under supplier_invoice.write, and Qonto creates the invoice. You also confirm a client-invoice draft, which you issue in Qonto, the payment link of an issued invoice, and the cash-flow category of one transaction. attachment.write is requested ahead of the receipt routine; nothing is attached until you switch it on. Well cannot move money or create, lock, or change a card. Qonto stays the system of record.
- First syncstarts as soon as connect completes
The OAuth handshake completes in about a minute. Accounts, transactions, and supplier invoices read on connect; approved invoice PDFs file back as they clear your queue. Qonto developer docs.
How Qonto stays secure with Well
Qonto authorises over OAuth, so Well holds no Qonto API key. The connection you approve carries these scopes: offline_access, organization.read, supplier_invoice.read, supplier_invoice.write, client_invoices.read, client_invoice.write, payment_link.write, webhook, attachment.read, card.read, client.read, einvoicing.read, insurance_contract.read, membership.read, payment_link.read, product.read, sepa_direct_debit.read, team.read, cash_flow_category.read, terminal.read, attachment.write, and cash_flow_category.write. webhook lets Qonto notify Well of changes. Well does not request the transfer-request, card, client, product, membership, team, bank-account or insurance-contract write scopes, so Well makes no transfer request and changes none of those records. Well does not request the payment, transfer, beneficiary or direct-debit write scopes, so Well makes no transfer. Twelve of the 22 are extra reads (attachment.read, card.read, client.read, einvoicing.read, insurance_contract.read, membership.read, payment_link.read, product.read, sepa_direct_debit.read, team.read, cash_flow_category.read, and terminal.read): they let Well answer questions about your attachments, cards, customers, e-invoicing settings, insurance contracts, members, payment links, products, direct-debit mandates, teams, cash-flow categories, and payment terminals, and they change nothing in Qonto. organization.read is what authorises the account side, so Well reads your organisation, bank accounts, balances, and transactions alongside your supplier and client invoices and their PDF attachments. supplier_invoice.write is used only by the send-to-Qonto action, which files one supplier-invoice PDF after you confirm it. client_invoice.write is used only for an invoicing change you ask for and confirm: a client invoice draft that you issue in Qonto, the send of an issued invoice as an e-invoice or by email, a quote, the removal of a payment reminder, the stop or restart of a recurring invoice, the paid status of an invoice, or the numbering mode. Well sends an invoice or a quote by email through Qonto only to the addresses on your customer's Qonto record, under a title Well writes from the document number, with Qonto's own email text and a copy to you; the card shows the title and each address before you confirm. payment_link.write is used only to create the card payment link of an issued invoice you ask for, and to turn off a link Well replaces; payment_link.read also lets Well check an expired link before Well replaces it. attachment.write is requested ahead of the receipt routine: Well attaches nothing to a Qonto transaction until you switch that routine on, and removes an attachment only when you ask and confirm. cash_flow_category.write is used only to change the cash-flow category of one transaction after you confirm it: Well assigns a category or subcategory, or clears it, and never creates, renames, or deletes a category. The older, separately approved Qonto write connector carries the same supplier_invoice.write grant. Apart from the cash-flow category change, none of these writes can mark a transaction, initiate a transfer, or create, lock, or change a card.
- granted
Read Qonto records
Resources the Qonto MCP server exposes, scoped by your OAuth approval.
- granted
Resolve bank transaction, bank account, balance, and supplier invoice across your stack
Match identifiers in Qonto against the same entities your other connected tools expose, so each record carries cross-tool context.
- granted
Post approved records to Qonto
Over Qonto's API, only records you've approved (case-by-case or via a per-rule auto-post threshold).
- refused
Store Qonto passwords or session cookies
Authentication runs through OAuth (MCP DCR via Well) tokens we never see.
Frequently asked questions about Qonto and Well
How do I connect Qonto, and what does Well ask for?
Authorise Qonto over OAuth in Well's Connections panel. The connection carries the 22 scopes listed on this page: offline_access, webhook (which notifies Well of changes), read scopes that only answer questions, and write scopes. A write runs only on an action you confirm or a routine you switch on. Well holds no Qonto API key.
What does Well actually read from Qonto?
Well reads your Qonto organisation, your bank accounts and their balances, your transactions, and your supplier invoices with their PDF attachments. Records land in the workspace structured, with the source document attached where Qonto holds one. organization.read is what authorises the account and transaction side, so the feed is your Qonto activity, not the supplier invoices alone. Every one of these is a read: it changes nothing in Qonto.
Qonto is the one connector Well writes back to over an API. How does that work?
After a supplier-invoice PDF clears your review, Well files the document to Qonto through its bulk supplier-invoice endpoint, and Qonto creates the supplier invoice from it. This is a genuine OAuth API write, not an email-in handoff. Well also creates a client-invoice draft or the payment link of an issued invoice when you ask and confirm, and changes the cash-flow category of one transaction after you confirm it. Well also sends an issued invoice as an e-invoice when you confirm it. attachment.write is requested ahead of the receipt routine, so Well attaches nothing until you switch it on. Well cannot initiate a transfer, edit your cash-flow categories, or create, lock, or change a card.
Will Well match my Qonto transactions against my invoices?
Yes. Well reads your Qonto transactions and matches them against your invoices automatically, in both directions. Confident matches are linked without you doing anything; borderline ones are queued for your review. Bank rows with no invoice behind them, such as fees, salaries, and internal transfers, stay unmatched, which is what they should be. The matching lives in Well; matching writes nothing to the transaction in Qonto.
How fresh is the Qonto data Well holds?
Well reads from Qonto in the background and folds new and updated records into the workspace as it picks them up, with the first connect bringing in your existing accounts, transactions, and supplier invoices. You can query what has already arrived while the rest fills in. Qonto stays the system of record; Well keeps a queryable copy and files approved invoice PDFs back.
If I disconnect Qonto, what unwinds?
Disconnect Qonto in Well and the OAuth token is dropped, so Well stops reading your accounts, transactions, and supplier invoices, and can no longer file anything back. Every write Well made ran on an action you confirmed or a routine you switched on. Disconnecting reverses none of them, and a sent e-invoice cannot be withdrawn. Records Well already mirrored stay in your workspace, and what Well wrote in Qonto remains in Qonto.
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