Billy vs Qonto: Complete Comparison (2026)
An in-depth comparison of Billy and Qonto to help you choose the right tool for your business.
Last updated: November 2026
Billy
6.1/10
Danish online accounting software for sole traders and small businesses, covering bookkeeping, invoicing, bank reconciliation and VAT filing.
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 | 6.1/10 | 6.4/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 7/10 | 6/10 |
| Cost | 8/10 | 6/10 |
| Customization | 4/10 | 5/10 |
| Ease of Use | 7/10 | 8/10 |
| Integration | 6/10 | 8/10 |
| Scalability | 3/10 | 6/10 |
| Security | 5/10 | 6/10 |
| Support | 8/10 | 5/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | DKK 160/mo Basic | €9/mo Basic |
| Estimated cost for 10 users | Free Free | €49/mo Essential |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Multi-currency | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Billy vs Qonto cost by team size
| Team size | Billy | Qonto |
|---|---|---|
| 1 user | FreeFree | €9/moBasic |
| 5 users | FreeFree | €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 Billy
- Has a free plan (Qonto does not)
- Higher Support score (8/10 vs 5/10)
- Higher Cost score (8/10 vs 6/10)
Why choose Qonto
- Higher Scalability score (6/10 vs 3/10)
- Higher Integration score (8/10 vs 6/10)
Pros & Cons
Billy
Pros
- The free plan includes full bookkeeping and VAT filing, which suits very small businesses.
- Phone, email and chat support runs every day from 7:00 to 22:00, and Trustpilot reviewers often praise it.
- Bank reconciliation works through a bank connection or a CSV upload on every plan.
- Expense data from Pleo goes straight into Billy journals, with VAT codes kept.
Cons
- The free plan is capped at 3 invoices and 10 expense vouchers a month.
- Integrations, reminders, quotes, subscription invoicing and payroll need Plus or higher.
- It is built for Danish compliance, and some guidance is only in Danish.
- Some users report duplicate accounts after reconnecting their bank.
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 6.1/10 for Billy. The largest gap is in Scalability: 3/10 for Billy and 6/10 for Qonto.
Billy has a free plan; Qonto does not list one.
