Qonto vs Revolut
Side-by-side comparison of features, pricing, ratings, and alternatives.
Qonto is a French fintech offering business bank accounts combined with invoicing, expense management, and bookkeeping tools for freelancers, small businesses, and SMEs across Europe. It is regulated by the ACPR and is backed by established banking partners rather than operating as a standalone bank. Beyond the core account, Qonto includes SEPA transfers, virtual and physical cards, compliant e-invoicing, and credit options like pay-later and overdraft. Plans are tiered by company size, from self-employed individuals up to larger business teams, with thousands of third-party integrations available.
Revolut is a financial app offering digital banking, currency exchange, and investing in a single account, used by more than 75 million customers globally. Users can hold and exchange 30+ currencies at Revolut's exchange rates, spend abroad in 150+ currencies, and send international transfers, alongside savings and investment products including stocks and a Stocks & Shares ISA in supported markets. The free Standard plan covers core banking, while paid plans (Plus, Premium, Metal, and Ultra) add benefits like fee-free international transfers, better exchange rates, travel insurance, and metal cards. Revolut also offers Joint accounts and a separate Revolut Business product for freelancers and companies.
- All plans include compliant e-invoicing, not just top tiers
- Regulated by ACPR with established banking partners
- Tiered pricing scales from solo freelancers to larger teams
- Wide integration library with accounting and business tools
- Free Standard tier covers real multi-currency banking with no monthly fee
- Exchange rates and transfer fees are generally cheaper than traditional banks for travel/international use
- Combines banking, currency exchange, and basic investing in one app
- Large, established user base (75M+) with a mature mobile experience
- Primarily focused on European markets and currencies
- Higher tiers needed for larger transfer volumes and team features
- Not a full replacement for a licensed bank in every jurisdiction
- Full banking features and protections vary significantly by country/region
- Customer support has a reputation for being slow to reach for complex account issues
- Best value features (fee-free transfers, better rates) are mostly gated behind paid plans
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The Verdict
AI-generated from listing dataRevolut is a freemium, consumer‑focused multi‑currency banking app, while Qonto is a paid, business‑oriented account with strong invoicing and integration features.
Key differences
- •Revolut targets individual travelers and freelancers with a free tier; Qonto targets European businesses with subscription pricing.
- •Revolut offers 30+ currencies and a debit card for personal spending; Qonto provides business current accounts, SEPA transfers, and corporate cards.
- •Qonto includes compliant e‑invoicing in every plan and integrates with 2,000+ tools; Revolut has no API or extensive third‑party integrations.
- •Support: Revolut only offers in‑app chat; Qonto offers 24/7 support on higher tiers.
- •Regulation: Qonto is regulated by ACPR with banking partners; Revolut’s banking protections vary by country.
Pricing & value
Revolut’s Standard tier is free, covering core multi‑currency banking; Qonto requires a paid subscription.
Ease of use / learning curve
Revolut is a mobile‑only app with a mature consumer UI; Qonto’s SaaS platform adds setup for business features.
Features & depth
Qonto provides business current accounts, e‑invoicing, pay‑later, and overdraft options; Revolut’s features are consumer‑oriented.
Integrations & ecosystem
Qonto connects to 2,000+ third‑party business tools via API; Revolut has no API or listed integrations.
Collaboration
Qonto supports joint business accounts, individual spend limits, and team cards; Revolut only offers joint personal accounts.
Scalability
Qonto’s tiered plans scale from solo freelancers to larger SMEs; Revolut’s paid tiers add perks but remain consumer‑centric.
Support
Qonto offers 24/7 support on higher tiers; Revolut provides only in‑app chat and a help centre.
Choose Qonto if…
European freelancers, micro‑businesses, or SMEs needing regulated business accounts, invoicing, and tool integrations.
Choose Revolut if…
Individual travelers, freelancers, or anyone needing free multi‑currency banking on a mobile app.
Common questions
Is there a free version of the product?
Revolut offers a free Standard tier; Qonto requires a paid subscription for all plans.
Can I integrate the platform with my accounting software?
Qonto integrates with over 2,000 business tools via API; Revolut has no API or listed integrations.
Does the service provide business‑grade banking protections?
Qonto is regulated by the ACPR with established banking partners; Revolut’s banking protections vary by country/region.