BooksTime vs Qonto: Complete Comparison (2026)
An in-depth comparison of BooksTime and Qonto to help you choose the right tool for your business.
Last updated: November 2026
BooksTime
5.9/10
Outsourced bookkeeping service that gives small businesses and nonprofits a dedicated bookkeeper who works in QuickBooks, Xero, or other accounting software.
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 | 5.9/10 | 6.4/10 |
| Scalability | 6/10 | 6/10 |
| Analytics | 6/10 | 5/10 |
| Compliance | 5/10 | 6/10 |
| Integration | 7/10 | 8/10 |
| Security | 4/10 | 6/10 |
| Support | 7/10 | 5/10 |
| Cost | 5/10 | 6/10 |
| Customization | 7/10 | 5/10 |
| Ease of Use | 7/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | $320/mo Essentials | €9/mo Basic |
| Estimated cost for 10 users | $320/mo Essentials | €49/mo Essential |
| Features | ||
| Accountant Access | ||
| Accounts Payable | ||
| Bank Reconciliation | ||
| Invoicing | ||
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
BooksTime vs Qonto cost by team size
| Team size | BooksTime | Qonto |
|---|---|---|
| 1 user | $320/moEssentials | €9/moBasic |
| 5 users | $320/moEssentials | €49/moEssential |
| 10 users | $320/moEssentials | €49/moEssential |
| 25 users | $320/moEssentials | €49/moEssential |
| 50 users | $320/moEssentials | €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 BooksTime
- Higher Support score (7/10 vs 5/10)
- Higher Customization score (7/10 vs 5/10)
Why choose Qonto
- Higher Security score (6/10 vs 4/10)
- Higher Compliance score (6/10 vs 5/10)
Pros & Cons
BooksTime
Pros
- Bookkeepers work in the client's existing software, and BooksTime says it supports more than 25 options including QuickBooks and Xero, so clients are not locked in.
- Essentials pricing is public, and it does not cap transactions or connected accounts.
- Monthly contracts can be cancelled at any time with no cancellation fees.
- It offers nonprofit-specific services such as Form 990 preparation and restricted fund tracking.
- All nine Trustpilot reviews give 5 stars and praise its accuracy and on-time work, including for books with several entities.
Cons
- It is not a CPA firm, so tax returns are handed to referred CPAs and quoted separately.
- There is no public security or compliance documentation.
- Essentials pricing rises with monthly expenses, and the Complete plan has no public price.
- It has few independent reviews; Trustpilot shows only 9.
- The pricing page does not say which services come with Essentials and which need Complete.
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 5.9/10 for BooksTime. The largest gap is in Customization: 7/10 for BooksTime and 5/10 for Qonto.
No, neither BooksTime nor Qonto lists a free plan.
