Fortnox vs Qonto: Complete Comparison (2026)
An in-depth comparison of Fortnox and Qonto to help you choose the right tool for your business.
Last updated: November 2026
Fortnox
6.5/10
Swedish cloud accounting platform covering bookkeeping, invoicing, payroll, supplier invoice approval and reporting for small and mid-sized Swedish businesses and accounting firms.
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 | 6.5/10 | 6.4/10 |
| Scalability | 6/10 | 6/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 7/10 | 6/10 |
| Integration | 8/10 | 8/10 |
| Security | 6/10 | 6/10 |
| Support | 7/10 | 5/10 |
| Cost | 6/10 | 6/10 |
| Customization | 5/10 | 5/10 |
| Ease of Use | 7/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | SEK 238/mo Mini | €9/mo Basic |
| Estimated cost for 10 users | SEK 238/mo Mini | €49/mo Essential |
| Features | ||
| Accountant Access | ||
| Accounts Payable | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Bank Reconciliation | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Payroll | Not listed | |
Fortnox vs Qonto cost by team size
| Team size | Fortnox | Qonto |
|---|---|---|
| 1 user | SEK 238/moMini | €9/moBasic |
| 5 users | SEK 238/moMini | €49/moEssential |
| 10 users | SEK 238/moMini | €49/moEssential |
| 25 users | SEK 238/moMini | €49/moEssential |
| 50 users | SEK 238/moMini | €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 Fortnox
- Higher Support score (7/10 vs 5/10)
- Higher Compliance score (7/10 vs 6/10)
Why choose Qonto
- Higher Ease of Use score (8/10 vs 7/10)
Pros & Cons
Fortnox
Pros
- More than 500 integrations, and one 189 kr licence covers all of them.
- A single platform covers bookkeeping, invoicing, payroll, supplier invoice approval, payments and a company card, which suits Swedish SMEs.
- Accounting firms get a dedicated bureau package for working in their clients' books.
- New companies get six months free, and every new subscription has a 30-day open purchase period.
- Trustpilot and Shopify app reviewers frequently praise customer service and sync reliability.
Cons
- Usage fees for invoices, paid employees and interpretations, plus an Access fee that scales with activity, make total cost hard to predict.
- Three-month agreements cost 15 percent more than the 12-month list prices.
- The product is Swedish-focused, and users have asked for an English interface.
- Some users call the reporting tools dated and say neobank integrations such as Revolut are missing.
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
Fortnox scores higher on our Finance Software criteria: 6.5/10 against 6.4/10 for Qonto. The largest gap is in Support: 7/10 for Fortnox and 5/10 for Qonto.
No, neither Fortnox nor Qonto lists a free plan.
