KashFlow vs Qonto: Complete Comparison (2026)
An in-depth comparison of KashFlow and Qonto to help you choose the right tool for your business.
Last updated: November 2026
KashFlow
5.3/10
KashFlow is a UK cloud accounting package from IRIS for sole traders and small businesses. It covers invoicing, bank feeds, VAT filing, and basic payroll.
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 | 5.3/10 | 6.4/10 |
| Scalability | 3/10 | 6/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 6/10 | 6/10 |
| Integration | 5/10 | 8/10 |
| Security | 5/10 | 6/10 |
| Support | 3/10 | 5/10 |
| Cost | 8/10 | 6/10 |
| Customization | 3/10 | 5/10 |
| Ease of Use | 6/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | £14/mo Starter | €9/mo Basic |
| Estimated cost for 10 users | £28/mo Business | €49/mo Essential |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
KashFlow vs Qonto cost by team size
| Team size | KashFlow | Qonto |
|---|---|---|
| 1 user | £14/moStarter | €9/moBasic |
| 5 users | £28/moBusiness | €49/moEssential |
| 10 users | £28/moBusiness | €49/moEssential |
| 25 users | £28/moBusiness | €49/moEssential |
| 50 users | £28/moBusiness | €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 KashFlow
- 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 5/10)
- Better fit for freelancers (9/10 vs 7/10)
Pros & Cons
KashFlow
Pros
- Low entry price, with steep introductory discounts for new customers
- Payroll for up to five employees is included rather than sold separately
- VAT management and online submission are built into both plans
- Stock control and multi-currency are included even on the cheapest plan
- Accountants can use KashFlow Connect at no charge
Cons
- The Starter plan caps invoices at 10 and bank reconciliation at 25 transactions, and allows only one user
- Reviewers call it too basic for medium-sized businesses and difficult to customise
- Very low Trustpilot rating (1.4) and app store ratings, with complaints about customer service
- The API is SOAP-based, and some reviewers say it integrates less well than rivals
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 5.3/10 for KashFlow. The largest gap is in Integration: 5/10 for KashFlow and 8/10 for Qonto.
No, neither KashFlow nor Qonto lists a free plan.
Qonto is the better fit for freelancers: we rate it 9/10 for them, against 7/10 for KashFlow.
