Qonto vs Revolut Business: Complete Comparison (2026)
An in-depth comparison of Qonto and Revolut Business 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.
Revolut Business
6.4/10
Revolut Business is a multi-currency business account. It includes team cards, invoicing and payment links, an optional expenses add-on and accounting integrations, and serves UK, EEA and US companies.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 6.4/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 6/10 | 6/10 |
| Cost | 6/10 | 6/10 |
| Customization | 5/10 | 6/10 |
| Ease of Use | 8/10 | 8/10 |
| Integration | 8/10 | 7/10 |
| Scalability | 6/10 | 7/10 |
| Security | 6/10 | 7/10 |
| Support | 5/10 | 4/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €9/mo Basic | £10/mo Basic |
| Estimated cost for 10 users | €49/mo Essential | £10/mo Basic |
| Features | ||
| Accounts Payable | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Accountant Access | Not listed | |
| Bank Reconciliation | Not listed | |
| General Ledger | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
Qonto vs Revolut Business cost by team size
| Team size | Qonto | Revolut Business |
|---|---|---|
| 1 user | €9/moBasic | £10/moBasic |
| 5 users | €49/moEssential | £10/moBasic |
| 10 users | €49/moEssential | £10/moBasic |
| 25 users | €49/moEssential | £10/moBasic |
| 50 users | €49/moEssential | £10/moBasic |
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 7/10)
- Higher Support score (5/10 vs 4/10)
- Better fit for freelancers (9/10 vs 4/10)
- Better fit for small business (9/10 vs 7/10)
Why choose Revolut Business
- Higher Customization score (6/10 vs 5/10)
- Higher Scalability score (7/10 vs 6/10)
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.
Revolut Business
Pros
- The monthly FX allowance at the interbank rate (up to 60,000 pounds on Scale) and more than 25 currency sub-accounts suit firms that pay suppliers abroad.
- Every plan includes card controls, and each team member can have up to 50 virtual cards.
- Xero, QuickBooks, Sage and FreeAgent connect on every plan, and more than 45 accounting tools are listed.
- From Grow up there is a Business API and bulk payments for automating payouts.
- In-app chat support is available 24/7 on all plans.
Cons
- There is no phone support, and a dedicated account manager is only offered on Enterprise.
- Charges add up past the allowances: 0.6% on FX overage, 1% outside market hours and 2% on cash withdrawals.
- There are no cash or cheque deposits, overdrafts, or inbound Direct Debits.
- Some users report accounts being frozen or restricted during compliance reviews.
- Expenses and Payroll cost extra per user on top of the plan fee.
Not sold on either?
Frequently Asked Questions
Qonto and Revolut Business both score 6.4/10 on our Finance Software criteria. The largest gap is in Customization: 5/10 for Qonto and 6/10 for Revolut Business.
No, neither Qonto nor Revolut Business lists a free plan.
Qonto is the better fit for freelancers: we rate it 9/10 for them, against 4/10 for Revolut Business.
