Best Qonto Alternatives in 2026
8 alternatives to Qonto in Business Banking, ranked by our editorial score. Compare pricing, free tiers, and best-fit guidance side by side.
Top Business Banking Alternatives
| Tool | Score | Starting Price | Free Tier | Best For | |
|---|---|---|---|---|---|
| Aspire | 75 | Free | ✓ | Startups and small-to-medium businesses in Southeast Asia that need a unified pl | Compare vs Qonto → |
| Nickel | 71 | Free | ✓ | Construction, wholesale, manufacturing, and logistics companies that want a zero | Compare vs Qonto → |
| Soldo | 69 | Free | ✓ | Small and mid-sized UK/European companies that want to control employee spending | Compare vs Qonto → |
| Revolut Business | 66 | Free | ✓ | Digital-first small businesses, freelancers, and startups with international cli | Compare vs Qonto → |
| Payhawk | 62 | Free | ✓ | Mid-market and enterprise finance teams in Europe and the UK that need to manage | Compare vs Qonto → |
| Airwallex Business | 59 | Free | ✓ | Online businesses, startups, and SMEs that need global multi-currency accounts, | Compare vs Qonto → |
| Kontist | 58 | Free | ✓ | Freelancers and self-employed individuals in Germany who want automated tax calc | Compare vs Qonto → |
| Mercury | 53 | Free | ✓ | US-based technology startups and venture-backed companies that want a free, API- | Compare vs Qonto → |
Which Alternative Should You Choose?
Best for: Startups and small-to-medium businesses in Southeast Asia that need a unified pl · Has a free tier where the original does not
⚖️ Qonto vs Aspire →
Best for: Construction, wholesale, manufacturing, and logistics companies that want a zero · Has a free tier where the original does not
⚖️ Qonto vs Nickel →
Best for: Small and mid-sized UK/European companies that want to control employee spending · Costs 20 zł/mo less than Qonto
⚖️ Qonto vs Soldo →Best for: Digital-first small businesses, freelancers, and startups with international cli · Has a free tier where the original does not
⚖️ Qonto vs Revolut Business →❓ Frequently Asked Questions
How much does Qonto cost and is there a free plan?
Qonto offers a limited free plan, but most businesses choose paid plans starting around €9–€29/month (excluding VAT) depending on features and number of users. Pricing scales with transaction volumes and advanced options like spend controls and accounting integrations.
Who can open a Qonto account?
Qonto is available to businesses registered in France, Germany, Italy, and Spain. You'll need proof of business registration and identity for all account owners and cardholders. It's not available to sole proprietors without a VAT number in some cases, and it's not open to personal users.
Does Qonto provide a French or European IBAN?
Yes, Qonto provides a local IBAN per country of operation (e.g., French IBAN for French businesses, German IBAN for German businesses). You can request multiple IBANs in the same account, useful for separating client payments or cash flows.
Can I control team spending and issue virtual cards?
Yes, Qonto lets you issue physical and virtual cards with custom limits per team member, categories, and merchant types. You can freeze or delete cards instantly, and get real-time notifications on every transaction.