N26 Business vs Qonto: Complete Comparison (2026)
An in-depth comparison of N26 Business and Qonto to help you choose the right tool for your business.
Last updated: November 2026
N26 Business
5.2/10
A mobile-first euro business bank account from Berlin-based N26 for freelancers and sole traders in supported EU countries, with debit cards, cashback and budgeting Spaces.
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 | 2/10 | 6/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 5/10 | 6/10 |
| Integration | 3/10 | 8/10 |
| Security | 6/10 | 6/10 |
| Support | 4/10 | 5/10 |
| Cost | 8/10 | 6/10 |
| Customization | 3/10 | 5/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €5/mo Business Smart | €9/mo Basic |
| Estimated cost for 10 users | Free Business Standard | €49/mo Essential |
| Features | ||
| Invoicing | ||
| Corporate Cards | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Expense Management | Not listed | |
| Multi-currency | Not listed | |
N26 Business vs Qonto cost by team size
N26 Business costs less at every team size we checked.
| Team size | N26 Business | Qonto |
|---|---|---|
| 1 user | FreeBusiness Standard | €9/moBasic |
| 5 users | FreeBusiness Standard | €49/moEssential |
| 10 users | FreeBusiness Standard | €49/moEssential |
| 25 users | FreeBusiness Standard | €49/moEssential |
| 50 users | FreeBusiness Standard | €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 N26 Business
- Has a free plan (Qonto does not)
- Lower estimated cost for 10 users: Free vs €49/mo
- Higher Cost score (8/10 vs 6/10)
Why choose Qonto
- Higher Integration score (8/10 vs 3/10)
- Higher Scalability score (6/10 vs 2/10)
- Better fit for small business (9/10 vs 4/10)
- Better fit for enterprise (3/10 vs 1/10)
- Includes Invoicing, which N26 Business lacks
Pros & Cons
N26 Business
Pros
- The Standard plan has no monthly fee and includes a virtual card plus 0.1% cashback.
- Card payments in foreign currencies carry no surcharge on any plan.
- Spaces sub-accounts and budgeting rules help freelancers set aside money for tax.
- Metal pays 0.5% cashback and includes purchase and phone insurance.
Cons
- There is no invoicing, no native DATEV link, and no HBCI or EBICS support.
- The account holds euros only and has no foreign-currency transfers in the app.
- Companies such as GmbH or UG cannot open an account, and the company name cannot appear on the account or card.
- Basic-plan customers get no phone support, and Trustpilot users report account freezes and rejected applications.
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 N26 Business. The largest gap is in Integration: 3/10 for N26 Business and 8/10 for Qonto.
N26 Business costs less for 10 users: free on its Business Standard plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
N26 Business has a free plan; Qonto does not list one.
Qonto is the better fit for small business: we rate it 9/10 for them, against 4/10 for N26 Business.
Qonto has Invoicing, which N26 Business lacks.
