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Free Qonto alternatives: 2 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rank

2 of the 2 Qonto alternatives we track can be used for free (free, open source, or with a free plan). Tide and Wise rank highest, with facts last verified Nov 8, 2026.

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)