BillingEngine vs Qonto: Complete Comparison (2026)
An in-depth comparison of BillingEngine and Qonto to help you choose the right tool for your business.
Last updated: November 2026
BillingEngine
5.7/10
BillingEngine is a browser-based invoicing tool from Hamburg for freelancers and small German businesses. It creates quotes, invoices and XRechnung or ZUGFeRD e-invoices.
Qonto
6.4/10
Qonto is a European online business account for freelancers and SMEs, combining a local IBAN, payment cards, transfers, invoicing, and expense tools.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 5.7/10 | 6.4/10 |
| Scalability | 2/10 | 6/10 |
| Analytics | 3/10 | 5/10 |
| Compliance | 7/10 | 6/10 |
| Integration | 3/10 | 8/10 |
| Security | 5/10 | 6/10 |
| Support | 8/10 | 5/10 |
| Cost | 9/10 | 6/10 |
| Customization | 3/10 | 5/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €8/mo Basic | €9/mo Basic |
| Estimated cost for 10 users | Free Free | €49/mo Essential |
| Features | ||
| Bank Reconciliation | ||
| Accountant Access | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Multi-currency | Not listed | |
| Tax Compliance | Not listed | |
BillingEngine vs Qonto cost by team size
BillingEngine costs less at every team size we checked.
| Team size | BillingEngine | Qonto |
|---|---|---|
| 1 user | FreeFree | €9/moBasic |
| 5 users | €15/moPremium | €49/moEssential |
| 10 users | FreeFree | €49/moEssential |
| 25 users | FreeFree | €49/moEssential |
| 50 users | FreeFree | €49/moEssential |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose BillingEngine
- Has a free plan (Qonto does not)
- Lower estimated cost for 10 users: Free vs €49/mo
- Higher Support score (8/10 vs 5/10)
- Higher Cost score (9/10 vs 6/10)
Why choose Qonto
- Higher Integration score (8/10 vs 3/10)
- Higher Scalability score (6/10 vs 2/10)
- Better fit for enterprise (3/10 vs 1/10)
- Better fit for small business (9/10 vs 7/10)
- Includes Bank Reconciliation, which BillingEngine lacks
Pros & Cons
BillingEngine
Pros
- Creates ZUGFeRD and XRechnung e-invoices on every plan, including the free one, and reviewers say public authorities accept them.
- Every account gets an inbox for incoming supplier e-invoices, with no limit.
- Paid plans start at 7.50 euros a month with a flat fee rather than per-user pricing, and annual billing saves 20 percent.
- Stopwatch time tracking turns timed tasks into invoice items in one click.
- Reviewers on OMR and Trustpilot praise fast, personal support and the simple interface.
Cons
- There is no bank connection, so bank reconciliation is not available.
- There is only one invoice design, with limited layout and branding options.
- There is no mobile app; it runs in the browser only.
- The maximum is five users, and reviewers say it is unsuitable for larger companies.
- Users have asked for automatic sending of payment reminders and delivery notes.
Qonto
Pros
- Low entry price: the Basic solo plan costs €9 a month, and every plan has a one-month free trial with no commitment.
- Team plans include unlimited users, so costs do not rise with headcount.
- A large integration directory covers DATEV, Sage, Tiime and Stripe, plus Zapier, Make and a public API.
- Accountants get unlimited access from the Smart plan, which makes bookkeeping handoffs easier.
- Reviewers on G2 and Capterra praise the interface and quick onboarding.
Cons
- Reviewers often report account freezes during compliance checks that hold funds for days.
- Support is described as slow or generic when an issue is complex.
- International transfers cost 0.56% to 1.8% with a €5 minimum, which adds up for businesses that pay in many currencies.
- Qonto is a payment institution, not a full bank, and offers no broad lending products.
- There is no full general ledger or financial statements, so a separate accounting tool is still needed.
Not sold on either?
Frequently Asked Questions
Qonto scores higher on our Finance Software criteria: 6.4/10 against 5.7/10 for BillingEngine. The largest gap is in Integration: 3/10 for BillingEngine and 8/10 for Qonto.
BillingEngine costs less for 10 users: free on its Free plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
BillingEngine has a free plan; Qonto does not list one.
Qonto is the better fit for enterprise: we rate it 3/10 for them, against 1/10 for BillingEngine.
Qonto has Bank Reconciliation, which BillingEngine lacks.
