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Qonto alternatives: 2 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll business banking and payment accounts

Top picks

  • Tide logo

    Best overall

    Tide

    Paid plans from: £12.49/month (Smart)

  • Wise logo

    Best free option

    Wise

    Free

Common reasons people leave Qonto: no free plan, and transfers and cards beyond plan limits cost extra. We ranked 2 alternatives by how directly each one replaces Qonto, then by reviews, real visits and how recently each app's facts were checked against its own website. Tide currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Tide logoTideFree plan + paid£12.49/month (Smart)NoWeb, iOS, Android5 of 568.8
2Wise logoWiseFree—NoWeb, iOS, Android3 of 352.6
  1. Tide logo

    1. TideTop pick

    Best for: UK sole traders and small limited companies that want a free or cheap business account with invoicing

    Free plan + paidWeb, iOS, Android

    68.8

    score / 100

    Why switch from Qonto

    Offers a free business account with a German IBAN, so small firms can skip a monthly fee.

    Pros

    • Free plan with no monthly fee
    • Invoicing, MTD tax tools and accounting integrations built in
    • Eligible deposits protected by the FSCS via ClearBank
    • Account opens in the app with little paperwork

    Cons

    • No branches; support is app and phone based
    • Free plan limits invoices and features
    • Mainly built for the UK market
    Visit Tide Details and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Tide a good Qonto alternative?

    Verified facts

    5 of 5 verified
    Free plan
    Lite, no plan fee
    Checked Nov 8, 2026tide.co(opens source in a new tab)
    Paid plans from
    £12.49/month (Smart)
    Checked Nov 8, 2026tide.co(opens source in a new tab)
    Members
    Over 2 million
    Checked Nov 8, 2026tide.co(opens source in a new tab)
    Deposit protection
    FSCS up to £120,000 via ClearBank
    Checked Nov 8, 2026tide.co(opens source in a new tab)
    Germany
    Free business account with German IBAN
    Checked Nov 8, 2026tide.co(opens source in a new tab)
  2. Wise logo

    2. Wise

    Best for: Expats, freelancers and travellers who send, receive or spend money in several currencies

    FreeWeb, iOS, Android

    52.6

    score / 100

    Why switch from Qonto

    Cheaper for multi-currency work: hold and convert many currencies with local account details.

    Pros

    • Mid-market exchange rate with fees shown upfront
    • Holds and converts 40+ currencies in one account
    • Local account details for receiving payments abroad

    Cons

    • Not a full bank in most countries, so no overdrafts or loans
    • Per-transfer fees still apply, especially for small amounts
    • Funds are safeguarded rather than covered by deposit insurance in many regions
    Visit Wise Details and reviews
    How this score is calculated
    Editorial fit ×0.346
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Wise a good Qonto alternative?

    Verified facts

    3 of 3 verified
    Currencies
    40+
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Account fee
    Free to open
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Fund protection
    Safeguarded accounts
    Checked Nov 8, 2026wise.com(opens source in a new tab)

The best Qonto alternative for…

The highest-ranked app in this list for each need.

Tide logo

Best Qonto alternative for most people

Tide

Offers a free business account with a German IBAN, so small firms can skip a monthly fee.

Wise logo

Best Qonto alternative for a free option

Wise

Cheaper for multi-currency work: hold and convert many currencies with local account details.

Tide logo

Best Qonto alternative for a free plan you can upgrade

Tide

Offers a free business account with a German IBAN, so small firms can skip a monthly fee.

Tide logo

Best Qonto alternative for iPhone and Android

Tide

Offers a free business account with a German IBAN, so small firms can skip a monthly fee.

Tide logo

Best Qonto alternative for working in the browser

Tide

Offers a free business account with a German IBAN, so small firms can skip a monthly fee.

Qonto alternatives: common questions

What is the best alternative to Qonto?

Tide ranks first right now. Offers a free business account with a German IBAN, so small firms can skip a monthly fee.

Qonto vs Tide: what's the difference?

Qonto is a paid product; Tide is free with paid plans. Verified prices: Qonto €9/month excl. VAT (Basic, billed annually), Tide £12.49/month (Smart). Both run on Web, iOS and Android.

Is Qonto free?

Qonto is a paid product. Starting price: €9/month excl. VAT (Basic, billed annually); Free trial: 1 month. Checked on Qonto's own site, November 2026.

Is there a free alternative to Qonto?

Yes. Tide (free plan + paid) and Wise (free) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Qonto?

None of the 2 alternatives in this list is open source.

Why do people switch from Qonto?

The complaints we hear most: no free plan; transfers and cards beyond plan limits cost extra; licensed payment institution, not a full bank.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Qonto, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.