# Qonto Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Qonto Software - reviews, pricing plans, popular comparisons to other Online Banking products and more. Source: https://www.capterra.com/p/173384/Qonto --- # Qonto Software Review 2026: Features, Integrations, Pros & Cons Last updated on March 13, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. Independent research methodology Capterra’s researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. 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[Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/) [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Users](#users)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Qonto ## What is Qonto? Qonto makes day-to-day banking easier for SMEs and freelancers, thanks to an online business account combined with invoicing, bookkeeping, and spend management tools. With an innovative product, highly responsive 7/7 customer service, and clear pricing, Qonto has become the European leader in its category. Qonto is a powerful Business Account for your everyday banking needs. It offers local IBANs (🇫🇷 French / 🇩🇪 German / 🇮🇹 Italian / 🇪🇸 Spanish). You can use payment cards to spend up to €200,000/month with no hidden costs, allowing you to pay online, in-store, and abroad. Transfers come with flexible payment methods, and transactions include unlimited history and real-time notifications. Financing is made easy with access to integrated financing options. Leverage our financial tools, including invoice management, spend management, and bookkeeping. ## What is Qonto used for? [Online Banking](https://www.capterra.com/online-banking-software/)[Mobile Banking](https://www.capterra.com/mobile-banking-software/)[Financial Management](https://www.capterra.com/financial-management-software/) Top alternative Featured Overall rating Based on 241 user reviews Reviews sentiment Positive 89% Neutral 1% Negative 10% Starting price €9 Flat Rate, Per Month Free trial available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Qonto?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://qonto.eu/en/sme&name=Qonto) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Qonto 4.5 (241) VS. [4.3 (608)](https://www.capterra.com/p/76/Intacct/reviews/) Starting Price €9 Flat Rate, Per Month Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.7 (241) Ease Of Use 4.2 (103) Value For Money 4.3 (237) Value For Money 4.0 (90) Customer Service 4.4 (233) Customer Service 4.0 (90) ## Qonto alternatives [Chime](https://www.capterra.com/p/228456/Chime/) [4.6 (103)](https://www.capterra.com/p/228456/Chime/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 90% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/228456/Chime/) [Plaid](https://www.capterra.com/p/174384/Plaid/) [4.4 (95)](https://www.capterra.com/p/174384/Plaid/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 86% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/174384/Plaid/) [Revolut Business](https://www.capterra.com/p/246352/Revolut-for-Business/) [4.0 (79)](https://www.capterra.com/p/246352/Revolut-for-Business/reviews/) Starting price $10.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 75% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/246352/Revolut-for-Business/) Highest Rated [Metaprise](https://www.capterra.com/p/240974/Metaprise/) [4.7 (75)](https://www.capterra.com/p/240974/Metaprise/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 99% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/240974/Metaprise/) [View all alternatives](https://www.capterra.com/p/173384/Qonto/alternatives/) ## Who uses Qonto? Based on Capterra reviews from the past year Talk to a software expert to get a free software list tailored to your business needs ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Transaction History 4.5 (140) 91.43% of 140 reviewers that rated this feature as important or highly important Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Transaction Monitoring 4.6 (120) 95.00% of 120 reviewers that rated this feature as important or highly important Monitor or audit historical and current transactions to analyze customer account activities Activity Dashboard 4.5 (110) 78.18% of 110 reviewers that rated this feature as important or highly important Dashboard to view the status of ongoing processes, identify current incidents and track past activities Real-Time Monitoring 4.7 (107) 86.92% of 107 reviewers that rated this feature as important or highly important Active monitoring of systems, applications, or networks Financial Management 4.5 (100) 82.00% of 100 reviewers that rated this feature as important or highly important Plan, manage, and track the financial activities of an individual or organization Fraud Detection 4.3 (90) 86.67% of 90 reviewers that rated this feature as important or highly important Identify and prevent suspicious activity Qonto 29 features Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. Dashboard to view the status of ongoing processes, identify current incidents and track past activities Application programming interface that allows for integration with other systems/databases Plan and implement systems for monitoring, registering, and management of ATM machines. Monitoring, analysis, and projection of the movement of cash into and out of a business over a specific period Track and manage adherence to policies for any service, product, process, or supplier Back-end system that processes daily banking transactions and posts updates to accounts and other financial records. Banking that services corporate customers, from SMBs to multinational enterprise corporations with large financial stakes. Manage and track credit cards that are distributed to employees to use for authorized business expenses Track and understand a customer's overall satisfaction with a product or service to identify areas of improvement. Store and organize documents in a centralized system Monitor and record expenses such as purchases or charges incurred Plan, manage, and track the financial activities of an individual or organization Identify and prevent suspicious activity Division of banking that assists individuals or organizations raise capital and provide financial consulting services. Captures invoice data and maintains comprehensive records for auditing and reporting purposes Observe and track the demand, usage, progress or quality of a system, product, or user Manage and handle various international currencies Ability to manage transactions online with a mobile device or computer. Receive data and information in real time Active monitoring of systems, applications, or networks Notifications that are delivered to users as soon as an event occurs Collection, analysis, and representation of numerical data and generation of reports to understand various patterns At least a username and password is required to access the system Develop, document, and implement policies & procedures to protect an organization's assets. Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Monitor or audit historical and current transactions to analyze customer account activities Extra layer of security that requires not only a password and username but also something specific to that user Manage user accounts, profiles, roles, permissions, and other details across applications, devices or networks Get Advice We can help you find the software with the features you need. Features 4.5 (241) 4.5 Based on 241 reviews ## Pricing Value for money 4.3 (237) Free Trial Free Version [View pricing plan details](https://www.capterra.com/p/173384/Qonto/pricing/) Basic €9.00 Flat Rate,Per Month It includes: - 1 x One Card Mastercard with €20,000/month payment limit - 30 transfers or direct debits/month - 1 account - 7-day-a-week support - 14,000+ partner integrations - Client invoice creation - Supplier invoice centralization & payment Smart €19.00 Flat Rate,Per Month It includes: - 1 x One Card Mastercard + 50 virtual cards/month - 60 transfers or direct debits/month - 1 account + 1 sub-account - 7-day-a-week support - 14,000+ exclusive integrations - Client invoice creation - Supplier invoice centralization & payment - Supplier management - Digitized & certified receipts - Advanced dashboard - Unlimited accountant users Premium €39.00 Flat Rate,Per Month It includes: - 1 x One Card Mastercard + 50 virtual cards/month - 100 transfers or direct debits/month - 1 account + 4 sub-accounts - Priority 7-day-a-week support - 14,000+ exclusive integrations - Client invoice creation - Supplier invoice centralization & payment - Supplier management - Digitized & certified receipts - Advanced dashboard - Unlimited accountant users Essential €49.00 Flat Rate,Per Month It includes: - 2 x One Card business Mastercards + 50 virtual cards - 150 transfers or direct debits/month - Unlimited team members + Accountant access - 1 account + 4 sub-accounts - 14,000+ exclusive partner integrations - 7-day-a-week support - Access to financing offers - Account Payable & Receivable tools - Automated bookkeeping tools Business €99.00 Flat Rate,Per Month It includes: - 10 x One Card business Mastercards + 50 virtual cards - 500 transfers or direct debits/month - Unlimited team members + Accountant access - 1 account + 9 sub-accounts - 14,000+ exclusive partner integrations - Priority 7-day-a-week support - Manager role - Expense management tools - Account Payable & Receivable tools - Access to financing offers - Automated bookkeeping tools - Customizable payment permissions and controls - Advanced dashboard Enterprise €199.00 Flat Rate,Per Month It includes: - 30 x One Card business Mastercards + 50 virtual cards - 1,000 transfers or direct debits/month - Unlimited team members + Accountant access - 1 account + 24 sub-accounts - 14,000+ exclusive partner integrations - Priority 7-day-a-week support - Manager role - Expense management tools - Account Payable & Receivable tools - Access to financing offers - Automated bookkeeping tools - Customizable payment permissions and controls - Advanced dashboard Value for money 4.3 (237) 4.3 Based on 237 reviews ## Integrations [ Slack](https://www.capterra.com/p/135003/Slack/)[ Dropbox Business](https://www.capterra.com/p/143068/Dropbox-Business/)[ OneDrive](https://www.capterra.com/p/161304/OneDrive/)[ Xero](https://www.capterra.com/p/120109/Xero/)[ Zapier](https://www.capterra.com/p/130182/Zapier/)[ Notion](https://www.capterra.com/p/186596/Notion/)[ Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[ AssoConnect](https://www.capterra.com/p/194611/AssoConnect/) Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.4 (233) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.4 (233) 4.4 Based on 233 reviews ## User reviews Overall rating 4.5 Based on 241 reviews Filter by rating 5(194) 4(20) 3(3) 2(8) 1(16) Mentioned topic Sorted by most recent SB SYMPHORIEN B. Électricité Générale Facilities Services ### "Mon avis pour Qonto" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 7, 2026 J'utilise Qonto tout le temps mais pas tous les jours et mon expérience sur le logiciel est bonne ... Pros Les partenaires et la simplicité du logiciel . Une tres bonne banque en ligne ... je recommande ... Cons Je n'apprécie pas du fait que qonto accepte les saisie administrative facilement au lieux de demander l'avis de ses client ... Alternatives considered [Tolteck](https://www.capterra.com/p/228714/Tolteck/) Reasons for choosing Qonto Parce qu'il y a la simplicité et la clarté des choses , sauf seulement pour les saisie je ne suis pas pour ... Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. CR Carmen R. Imprenditore Cosmetics ### "Ottimo conto, ottima applicazione " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 31, 2026 Sono completamente soddisfatto, lo consiglio a chiunque, rispetto ad altre banche è sicuramente la migliore Pros Facile e intutivo da usare, assistenza clienti ottima e immediata, ottima ache la sezione finanziamenti Cons Niente, sostanzialmente non ho nulla di cui potermi lamentare, forse bisognerebbe migliorare la grafica Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. RN Ramata N. gérante Real Estate ### "Demande de ne plus être limité sur les sous comptes " 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 3.0 3.0 Customer Service 3.0 3.0 Likelihood to Recommend 8/10 March 30, 2026 Pros Une interaction rapide, la facilité d'utilisation du logiciel, d'avoir une vue globale sur tout les comptes. Cons la relation client, la complexité de mise en relation le fait de devoir passer à chaque fois par le chat. De plus d'être limité sur les sous comptes !!!! Alternatives considered [Notion](https://www.capterra.com/p/186596/Notion/) Reasons for choosing Qonto je ne maitrise pas totalement notion et il n'y pas de service client Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. BB Beatrice B. RSMSI Computer Networking ### "Utilisation de Quonto pour la gestion des notes de frais" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 8/10 March 30, 2026 Pros La facilité d'utilisation qui simplifie grandement la gestion des notes de frais; Une photo de la note suffit ! Cons Le fait qu' il y ai qu' une monnaie (en cas de déplacement pro à l'étranger il faut tout convertir avant d'entrer dans le système) Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. MN Mulemfu N. Gerant ouvrier Information Technology and Services ### "Qonto c'est le meilleur " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 March 25, 2026 Part a port de mon experuence de leur logiciel c'est facile a comprendre .mais je pas encore utiliser Pros Qualiter de travail suivie de dossier li repodd a l'heure administration de qualite par a port a d'autre banque Cons Ya pas tous leur aspects du produit fournie sont apprecie pour mois je trouve que ce vraiment solide Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. TA Trevor A. Président de SAS Arts and Crafts ### "Avis Qonto" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 10/10 March 25, 2026 Qonto m’a permis de créer ma société et d’être opérationnel rapidement tout en étant en conformité avec les nouvelles normes de facturation électronique Pros La simplicité d’usage est incroyable, c’est une expérience clé en main qui permet à toute personne qui voudrait ce lancer de le faire Cons Au départ il n’y avait pas les factures de situation mais ça a été corrigé rapidement après plusieurs requêtes Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. OT Oguzhan T. Président Computer Software ### "L'excellence " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 3/10 March 25, 2026 C'est un pur plaisir ! Vivement que tout les partenaires accepte un jour qu'on puisse avoir que Qonto comme banque sans nous obliger d'avoir une seconde banque notamment physique. Pros Tout est réfléchi pour faciliter le quotidien du dirigeant, je pense que d'ailleurs, c'est pour cela que le nom Qonto commence par "Qo" :) Cons Si l'on pouvait se projeter pour la mise en place des prélèvements SEPA. Je comprends que ça ne peut pas être accessible les 9 premiers mois, mais au-delà une boîte qui se projette dans une activité ou le prélèvements est essentielle, on devrait pour échanger avec un conseiller. Alternatives considered [Pennylane](https://www.capterra.com/p/218672/Pennylane/) Reasons for choosing Qonto Extrêmement pratique et innovant, je suis serein pour l'avenir je sais que vous serez là à tout moment. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. IL isabelle l. Directrice Générale et WebDev Computer Software ### "Logiciel de banque très bien pour le petites et moyennes entreprises" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 8/10 March 21, 2026 Pros la facturation un jeu d'enfant ! on peut le styliser comme on veut et mettre un document On peut la paramétrer très facilement Cons ben justement en facturation on ne peut mettre qu'un seul document Certaines factures nécessites pour chaque ligne un document justificatif Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. HR Helene R. CEO Human Resources ### "Efficacité" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 20, 2026 Le logiciel est très intuitif. il n' y a rien en trop ( pas d'images ou de publicités sur des services associés) Pros Qonto propose des services réactifs , simples et fluides. La plateforme est conviviale et tout est accessible directement. Cons Je n'ai rien a dire. Je n'ai pas trouvé d'inconvénients notables ni dans l'utilisation de l'appli, ni pour les produits proposés. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. OA Olivier A. Dirigeant Professional Training & Coaching ### "Au top pour ma microentreprise" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 20, 2026 J’ai plaisir à utiliser Qonto pour mon organisme de formation en Secourisme, car tout est clair. Lorsque je me connecte sur mon compte, je vois aussitôt le suivi de ma trésorerie. Pros Facilitée d’utilisation avec les devis/factures électroniques donc un gain de temps et aux normes par l’administration Cons Pour le moment, je n’ai pas trouvé d’aspect négatif par rapport à Qonto pour la gestion de mon organisme de formation. Alternatives considered [Revolut Business](https://www.capterra.com/p/246352/Revolut-for-Business/) Reasons for choosing Qonto J’ai regardé les avis, et c’est Cano qui m’a paru le plus simple d’utilisation et avec un prix compétitif. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/173384/Qonto/reviews/) Popular comparisons [Chime vs Qonto](https://www.capterra.com/compare/173384-228456/Qonto-vs-Chime)[Sage Intacct vs Qonto](https://www.capterra.com/compare/76-173384/Intacct-vs-Qonto)[Agicap vs Qonto](https://www.capterra.com/compare/173384-196637/Qonto-vs-Agicap) [Payhawk vs Qonto](https://www.capterra.com/compare/173384-200192/Qonto-vs-Payhawk)[Spendesk vs Qonto](https://www.capterra.com/compare/157515-173384/Spendesk-vs-Qonto)[Coupa vs Qonto](https://www.capterra.com/compare/115928-173384/Coupa-vs-Qonto)  Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider's website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/)