Qonto vs Quipu: Complete Comparison (2026)
An in-depth comparison of Qonto and Quipu to help you choose the right tool for your business.
Last updated: November 2026
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.
Quipu
6.2/10
Cloud invoicing and pre-accounting software for Spanish freelancers, SMEs and accounting firms, covering invoices, receipt OCR, bank reconciliation, tax forecasting and VeriFactu.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 6.2/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 6/10 | 8/10 |
| Cost | 6/10 | 6/10 |
| Customization | 5/10 | 4/10 |
| Ease of Use | 8/10 | 8/10 |
| Integration | 8/10 | 6/10 |
| Scalability | 6/10 | 4/10 |
| Security | 6/10 | 6/10 |
| Support | 5/10 | 6/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €9/mo Basic | €17/mo Starter |
| Estimated cost for 10 users | €49/mo Essential | €17/mo Starter |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Tax Compliance | Not listed | |
Qonto vs Quipu cost by team size
Qonto costs less at 1 user; Quipu costs less from 5 users.
| Team size | Qonto | Quipu |
|---|---|---|
| 1 user | €9/moBasic | €17/moStarter |
| 5 users | €49/moEssential | €17/moStarter |
| 10 users | €49/moEssential | €17/moStarter |
| 25 users | €49/moEssential | €17/moStarter |
| 50 users | €49/moEssential | €17/moStarter |
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 Qonto
- Higher Integration score (8/10 vs 6/10)
- Higher Scalability score (6/10 vs 4/10)
Why choose Quipu
- Lower estimated cost for 10 users: €17/mo vs €49/mo
- Higher Compliance score (8/10 vs 6/10)
- Higher Support score (6/10 vs 5/10)
Pros & Cons
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.
Quipu
Pros
- IVA and IRPF forecasting and pre-filled quarterly forms suit Spanish autonomos who are not accounting experts.
- VeriFactu-compliant invoicing with QR codes is included on every plan, including Starter.
- Ready-made integrations with Stripe, PayPal, Shopify, WooCommerce and PrestaShop create invoices from online sales automatically.
- Good review scores: 4.5/5 on Capterra Spain and about 4.2/5 from 271 reviews on Trustpilot.
- 15-day free trial with no card needed, and you can export your data to Excel when you cancel.
Cons
- No full double-entry accounting, so it is not a replacement for an ERP or a full accounting package.
- Bank reconciliation needs at least Solution, and automatic reconciliation needs Premium.
- Starter users only get email support, and some reviewers say response times were missed.
- Some reviews say expense recognition sometimes fails or creates duplicate records.
- The API is limited, and extra API calls cost more.
- Built for Spain only, with little for inventory or HR.
Not sold on either?
Frequently Asked Questions
Qonto scores higher on our Finance Software criteria: 6.4/10 against 6.2/10 for Quipu. The largest gap is in Compliance: 6/10 for Qonto and 8/10 for Quipu.
Quipu costs less for 10 users: about €17/mo on its Starter plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
No, neither Qonto nor Quipu lists a free plan.
