FastBill vs Qonto: Complete Comparison (2026)
An in-depth comparison of FastBill and Qonto to help you choose the right tool for your business.
Last updated: November 2026
FastBill
5.2/10
Cloud invoicing and bookkeeping software from Frankfurt for German freelancers and small businesses, with e-invoicing, DATEV export and direct 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 | 5.2/10 | 6.4/10 |
| Scalability | 3/10 | 6/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 7/10 | 6/10 |
| Integration | 5/10 | 8/10 |
| Security | 5/10 | 6/10 |
| Support | 4/10 | 5/10 |
| Cost | 5/10 | 6/10 |
| Customization | 6/10 | 5/10 |
| Ease of Use | 6/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €10/mo Solo | €9/mo Basic |
| Estimated cost for 10 users | €10/mo Solo | €49/mo Essential |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Corporate Cards | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
FastBill vs Qonto cost by team size
Qonto costs less up to 5 users; FastBill costs less from 10 users.
| Team size | FastBill | Qonto |
|---|---|---|
| 1 user | €10/moSolo | €9/moBasic |
| 5 users | €59/moPremium | €49/moEssential |
| 10 users | €10/moSolo | €49/moEssential |
| 25 users | €10/moSolo | €49/moEssential |
| 50 users | €10/moSolo | €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 FastBill
- Lower estimated cost for 10 users: €10/mo vs €49/mo
- Higher Compliance score (7/10 vs 6/10)
- Higher Customization score (6/10 vs 5/10)
Why choose Qonto
- Higher Scalability score (6/10 vs 3/10)
- Higher Integration score (8/10 vs 5/10)
- Better fit for enterprise (3/10 vs 1/10)
- Better fit for small business (9/10 vs 7/10)
Pros & Cons
FastBill
Pros
- Experte.de rated invoicing 1.3, its strongest area, covering quotes, recurring invoices, time tracking and XRechnung.
- XRechnung and ZUGFeRD e-invoicing are included in every plan.
- VAT pre-returns go straight to the tax office through ELSTER.
- DATEV export and tax advisor access make handing over to a Steuerberater simple.
- Invoices can carry payment links through PayPal, Stripe or Sofort.
Cons
- FastBill cannot produce an EÜR or P&L on its own; tests say these need an external tax advisor.
- There is no cash book, and fuer-gruender.de says there is no payroll interface either.
- Automatic dunning and extra receipts cost extra, and automatic bank matching needs Premium.
- Support is by message or email only, on weekdays, with no phone line or live chat.
- Reviewers describe the interface as dated.
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 5.2/10 for FastBill. The largest gap is in Integration: 5/10 for FastBill and 8/10 for Qonto.
FastBill costs less for 10 users: about €10/mo on its Solo plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
No, neither FastBill nor Qonto lists a free plan.
Qonto is the better fit for enterprise: we rate it 3/10 for them, against 1/10 for FastBill.
