Snapshot
Finom and Qonto compared on the points that usually decide a business account: account type, monthly fee, currency support, eligibility and where each one is available.
Finom figures as of 1 June 2026Qonto figures as of 10 June 2026Last reviewed 25 June 2026
General information, not financial, legal, or tax advice. There is no single best account. The right fit depends on your business. Verify current terms and eligibility with each provider before applying.
Finom and Qonto suit different businesses. Use the comparison below to weigh account type, fees, currency support and eligibility against how your company operates, then confirm the latest terms with each provider. Figures are shown as of 1 June 2026 for Finom and 10 June 2026 for Qonto.
Finom vs Qonto at a glance
| Feature | Finom | Qonto |
|---|---|---|
| Account type | Euro business account from an electronic money institution | Business current account from a licensed payment institution, with a local IBAN. Not a deposit taking bank. |
| Who it suits | Freelancers and small companies in supported European Union countries who want banking, invoicing and accounting in one place | Registered companies, startups and freelancers in the countries Qonto serves that want a euro business account with cards, expense controls and accounting integrations. |
| Monthly fee | Free Solo plan for the self employed. Paid plans start in the region of nine euros a month and rise with the feature set. Annual billing carries a discount. Verify with Finom | From about EUR 9 a month for Basic, with team plans from about EUR 49 to EUR 199 a month, excluding VAT, as of 10 June 2026. |
| Transaction fees | Included transfers and card transactions vary by plan, with charges beyond plan limits. Verify with Finom | Plans include an allowance of SEPA transfers and card payments, with charges beyond the allowance. Extra cards and added users cost more. Verify current allowances with Qonto. |
| FX fees | A currency conversion markup applies on payments outside the euro. Verify the current rate with Finom | Foreign currency transfers are available and priced separately from euro payments. Confirm the current cost with Qonto, as of 10 June 2026. |
| Minimum deposit | No minimum deposit stated. Verify with Finom | No minimum deposit for most plans. Company creation plans handle share capital deposits separately, as of 10 June 2026. |
| Multi currency | Core account is in euro with international payments supported. Verify supported currencies with Finom | Primarily euro accounts with foreign currency transfers in a range of currencies. Broad balance holding in many currencies is limited. Verify with Qonto. |
| Integrations | Invoicing, expense management and accounting software connections, depending on plan and country. Verify with Finom | More than 80 accounting and software integrations, including Xero, Stripe, PayPal and Zapier, as of 10 June 2026. |
| Eligibility | Companies registered in a supported European Union country, and freelancers across the European Economic Area. Verify with Finom | Registered companies, micro enterprises and freelancers in the eight countries Qonto serves, subject to verification. |
| Broadly available in | Germany, France, Italy, the Netherlands, Belgium, Spain, plus freelancer plans across the European Economic Area | France, Germany, Italy, Spain, Austria, Belgium, the Netherlands and Portugal, as of 10 June 2026. |
Use the table to weigh the differences. Finom and Qonto tend to differ most on account type and currency support, so match those to how your business moves money, then confirm the latest fees and eligibility with each provider.
Open a business account
Both providers accept business customers in their supported markets. Fees and eligibility shown as of 1 June 2026 for Finom and 10 June 2026 for Qonto. Confirm current terms with the provider before applying.
Visit Finom → Visit Qonto →Questions about Finom and Qonto
Which is better for my business, Finom or Qonto?
It depends on your needs. The table on this page compares Finom and Qonto on account type, fees, currency support, eligibility and availability using each provider's published terms. Weigh those against how your business operates, then confirm current terms with each provider. This is information, not advice.
Can I open both Finom and Qonto?
Often yes, subject to each provider's eligibility rules. Some businesses keep more than one account, for example one for everyday banking and another for currency conversion. Check eligibility with each provider before applying.
Are the fees on this page current?
Each figure is shown with the date it was recorded. Finom figures are shown as of 1 June 2026 and Qonto figures as of 10 June 2026. Fees and eligibility change, so confirm current terms with each provider before you apply.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 25 June 2026. Confirm current terms with each provider before applying.