Snapshot
Holvi 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.
Holvi figures as of 29 May 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.
Holvi 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 29 May 2026 for Holvi and 10 June 2026 for Qonto.
Holvi vs Qonto at a glance
| Feature | Holvi | Qonto |
|---|---|---|
| Account type | Business payment account with a euro IBAN, not a deposit bank account | Business current account from a licensed payment institution, with a local IBAN. Not a deposit taking bank. |
| Who it suits | Freelancers, sole traders and small companies in Finland, Germany and Austria who want banking, invoicing and bookkeeping preparation 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 | Paid plans from about 6 euros per month, with a higher tier around 12 euros per month. Exact plan names and prices vary by market. As of 29 May 2026, verify on the Holvi plan page for your country. | 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 | SEPA and other transaction pricing depends on your plan and market. See the Holvi fee schedule for your country. As of 29 May 2026. | 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 | International transfers are offered in 18 currencies directly in Holvi. Exact conversion pricing varies, so confirm with Holvi. As of 29 May 2026. | 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 for the standard account. As of 29 May 2026. | No minimum deposit for most plans. Company creation plans handle share capital deposits separately, as of 10 June 2026. |
| Multi currency | Yes. Payment accounts in multiple currencies and international transfers in 18 currencies, as of 29 May 2026 | 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, bookkeeping preparation and card payment acceptance through partners such as SumUp. As of 29 May 2026 | More than 80 accounting and software integrations, including Xero, Stripe, PayPal and Zapier, as of 10 June 2026. |
| Eligibility | Self employed people and companies in the markets Holvi serves. Some company forms, such as founders accounts for GmbH and UG, are supported in Germany. Verify eligibility with Holvi. As of 29 May 2026 | Registered companies, micro enterprises and freelancers in the eight countries Qonto serves, subject to verification. |
| Broadly available in | Finland, Germany and Austria within the European Economic Area. Holvi no longer operates in the United Kingdom as of 29 May 2026 | France, Germany, Italy, Spain, Austria, Belgium, the Netherlands and Portugal, as of 10 June 2026. |
Use the table to weigh the differences. Holvi 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 29 May 2026 for Holvi and 10 June 2026 for Qonto. Confirm current terms with the provider before applying.
Read the Holvi review → Visit Qonto →Questions about Holvi and Qonto
Which is better for my business, Holvi or Qonto?
It depends on your needs. The table on this page compares Holvi 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 Holvi 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. Holvi figures are shown as of 29 May 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.