Qonto vs TS Facturas (formerly Billin): Complete Comparison (2026)
An in-depth comparison of Qonto and TS Facturas (formerly Billin) 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.
TS Facturas (formerly Billin)
5.9/10
Spanish cloud invoicing software, now owned by TeamSystem, for freelancers, micro-businesses and small firms. It issues quotes and invoices, including Verifactu, Facturae and TicketBAI e-invoices.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 5.9/10 |
| Scalability | 6/10 | 3/10 |
| Analytics | 5/10 | 4/10 |
| Compliance | 6/10 | 8/10 |
| Integration | 8/10 | 4/10 |
| Security | 6/10 | 6/10 |
| Support | 5/10 | 5/10 |
| Cost | 6/10 | 8/10 |
| Customization | 5/10 | 5/10 |
| Ease of Use | 8/10 | 7/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €9/mo Basic | €8/mo Basico |
| Estimated cost for 10 users | €49/mo Essential | €28/mo Ilimitado |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Corporate Cards | Not listed | |
| Inventory Accounting | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
Qonto vs TS Facturas (formerly Billin) cost by team size
TS Facturas (formerly Billin) costs less at every team size we checked.
| Team size | Qonto | TS Facturas (formerly Billin) |
|---|---|---|
| 1 user | €9/moBasic | €8/moBasico |
| 5 users | €49/moEssential | €28/moIlimitado |
| 10 users | €49/moEssential | €28/moIlimitado |
| 25 users | €49/moEssential | €28/moIlimitado |
| 50 users | €49/moEssential | €28/moIlimitado |
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 4/10)
- Higher Scalability score (6/10 vs 3/10)
Why choose TS Facturas (formerly Billin)
- Lower estimated cost for 10 users: €28/mo vs €49/mo
- Higher Compliance score (8/10 vs 6/10)
- Higher Cost score (8/10 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.
TS Facturas (formerly Billin)
Pros
- Every plan includes Verifactu, Facturae and TicketBAI e-invoicing, which helps Spanish businesses keep up with tax rules.
- Low prices: the entry plan costs 8 euros a month, and quotes and invoices are unlimited on every tier.
- The 30-day free trial includes all features and needs no credit card.
- Recurring invoices and expenses, SEPA remittances and payment reminders are included on every plan.
- A built-in connection lets a gestoria (outside accountant) work with the client's data.
Cons
- It handles invoicing, not full accounting: there is no general ledger, payroll or consolidation.
- The Basico plan allows only 5 clients and 1 user, so most businesses will need Pro or higher.
- There are few independent reviews and the ratings are mixed: 3.4 out of 5 on Appvizer and 1.4 out of 5 on Shopify.
- A 2026 Shopify review reported sales left unsent to the tax authority and scripted support replies.
- It is focused on Spain, and there is little evidence that it serves international or multi-currency businesses.
Not sold on either?
Frequently Asked Questions
Qonto scores higher on our Finance Software criteria: 6.4/10 against 5.9/10 for TS Facturas (formerly Billin). The largest gap is in Integration: 8/10 for Qonto and 4/10 for TS Facturas (formerly Billin).
TS Facturas (formerly Billin) costs less for 10 users: about €28/mo on its Ilimitado plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
No, neither Qonto nor TS Facturas (formerly Billin) lists a free plan.
