Qonto
European online business account with cards, invoicing and finance tools for SMEs and freelancers.
Updated · AppBreakup editorial · Web, iOS, Android
Is Qonto free?
No, it's a paid product
- Starting price:
- €9/month excl. VAT (Basic, billed annually)
- Free trial:
- 1 month
Checked on Qonto's site Nov 8, 2026
2 alternatives with a free option Full Qonto pricing and plansSwitch from Qonto to
All 2
- Verified facts
- 5 of 5
- Alternatives ranked
- 2
- Approved reviews
- 0
- Visits sent from here
- 0
About Qonto
Qonto is a Paris-based business finance provider that offers online business current accounts to freelancers, small businesses and growing companies in several European countries, with a local IBAN. Accounts come with Mastercard debit and credit cards, SEPA and international transfers (the latter powered by Wise), payment links and tap-to-pay, invoicing and quotes, receipt capture, accountant access, cash-flow forecasting and team spend controls. Plans are split into solo tiers and team tiers, priced monthly with VAT added, and each starts with a one-month free trial. Higher plans add more transfers, cards, sub-accounts and interest on balances. Qonto is a licensed payment institution regulated in France, with customer funds safeguarded at partner banks. It suits European SMEs and freelancers who want banking and basic finance admin in one app. There is no free plan, it serves Europe only, and some features, such as cheque deposits, are limited to France.
Best for: European SMEs and freelancers who want business banking, invoicing and spend control in one app.
Qonto pricing (checked Nov 8, 2026)
Each line is quoted from Qonto's own site, with the page it came from.
| Plan or term | What it says | Checked | Source |
|---|---|---|---|
| Starting price | €9/month excl. VAT (Basic, billed annually) | Nov 8, 2026 | qonto.com |
| Free trial | 1 month | Nov 8, 2026 | qonto.com |
Pros and cons
What works
- Local IBAN with cards, transfers and invoicing in one app
- Team plans with spend rules, sub-accounts and accountant access
- One-month free trial on every plan
- Interest on balances on mid and upper plans
Why people leave
- No free plan
- Transfers and cards beyond plan limits cost extra
- Licensed payment institution, not a full bank
Qonto vs Tide and Wise
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
Top Qonto alternatives
See all 2Why people left Qonto
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
No switching stories yet. If you moved away from Qonto, review the app you switched to and tell us why.
Reviews
No approved reviews yet. How we verify reviewers
Write a review of Qonto
Qonto: common questions
What is Qonto?
Qonto: European online business account with cards, invoicing and finance tools for SMEs and freelancers. Best for european SMEs and freelancers who want business banking, invoicing and spend control in one app. Available for Web, iOS and Android.
Is Qonto free?
No, Qonto is a paid product. Starting price: €9/month excl. VAT (Basic, billed annually) (checked on Qonto's own site).
How much does Qonto cost?
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.
Does Qonto have a free trial or refund?
Free trial: 1 month. Source: Qonto's own site.
Is Qonto open source?
No, Qonto is not open source.
What platforms does Qonto run on?
Qonto is available for Web, iOS and Android.
What are the best alternatives to Qonto?
The highest-ranked Qonto alternatives right now are Tide and Wise. See the full ranked list for pricing, platforms and verified facts.
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.