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 updated 11 October 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. Payment and electronic money services are provided by Finom Payments BV, licensed by De Nederlandsche Bank as an electronic money institution | Business current account from a payment institution supervised by the Banque de France, with a local IBAN. Qonto states it is not a 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 freelancers. In Germany, Basic is 8 euros a month excluding VAT, or 7 euros with yearly billing, and Smart is 19 euros. Higher plans cost more. As of 11 October 2026. Verify with Finom | From EUR 9 a month for Basic, with team plans from EUR 49 to EUR 199 a month, excluding VAT and billed annually. As of 11 October 2026. |
| Transaction fees | Included transfers and card transactions vary by plan, with charges beyond plan limits. Verify with Finom | Basic includes 30 SEPA transfers a month, then EUR 0.20 each. Higher plans include more, up to 10,000 a month on Enterprise. As of 11 October 2026. Verify current allowances with Qonto. |
| FX fees | Outgoing international payments cost 0.50% on Basic, falling to 0.40% on Smart and 0.30% on Core in Germany. As of 11 October 2026. Verify the current rate with Finom | Foreign currency transfers cost 0.8% (minimum EUR 5) on Basic and Smart for standard currencies, and 0.56% on Premium and team plans. Other currencies cost one percentage point more. As of 11 October 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 | Qonto says it connects with over 2,000 external tools and accounts. Check the integration you need with Qonto. As of 11 October 2026. |
| Eligibility | Companies and freelancers registered in a country Finom serves. Verify with Finom | Registered companies, micro enterprises and freelancers in the eight countries Qonto serves, subject to verification. |
| Broadly available in | Countries including Germany, France, Italy, the Netherlands, Belgium and Spain. Check other countries with Finom | France, Germany, Italy, Spain, Austria, Belgium, the Netherlands and Portugal, as of 10 June 2026. |
Finom suits a freelancer in Germany who wants a free Solo account, or a small company that sends payments outside the euro at 0.30% to 0.50%. Qonto suits a company in France, Germany, Italy, Spain or one of its four other countries that wants team plans from EUR 49 a month and connections to accounting tools. Both are regulated payment firms, not banks.
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 → Commission link: we may earn a fee if you open an account through it. It does not change what we publish or how we rank providers. Visit Qonto → Commission link: we may earn a fee if you open an account through it. It does not change what we publish or how we rank providers.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 11 October 2026. Confirm current terms with each provider before applying.