Qonto vs Visma Netvisor: Complete Comparison (2026)
An in-depth comparison of Qonto and Visma Netvisor 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.
Visma Netvisor
5.9/10
Finnish cloud accounting, invoicing and payroll system from Visma Solutions, aimed at Finnish SMEs, mid-size firms and the accounting offices that serve them.
Feature-by-Feature Comparison
| Feature | | V Visma Netvisor |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 5.9/10 |
| Scalability | 6/10 | 6/10 |
| Analytics | 5/10 | 6/10 |
| Compliance | 6/10 | 7/10 |
| Integration | 8/10 | 6/10 |
| Security | 6/10 | 6/10 |
| Support | 5/10 | 6/10 |
| Cost | 6/10 | 5/10 |
| Customization | 5/10 | 5/10 |
| Ease of Use | 8/10 | 6/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €9/mo Basic | €25/mo Basic |
| Estimated cost for 10 users | €49/mo Essential | €25/mo Basic |
| Features | ||
| Accountant Access | ||
| Accounts Payable | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Qonto vs Visma Netvisor cost by team size
Qonto costs less at 1 user; Visma Netvisor costs less from 5 users.
| Team size | Qonto | Visma Netvisor |
|---|---|---|
| 1 user | €9/moBasic | €25/moBasic |
| 5 users | €49/moEssential | €25/moBasic |
| 10 users | €49/moEssential | €25/moBasic |
| 25 users | €49/moEssential | €25/moBasic |
| 50 users | €49/moEssential | €25/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 6/10)
- Higher Ease of Use score (8/10 vs 6/10)
VWhy choose Visma Netvisor
- Lower estimated cost for 10 users: €25/mo vs €49/mo
- Higher Analytics score (6/10 vs 5/10)
- Higher Compliance 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.
VVisma Netvisor
Pros
- Large Finnish accounting-office network of more than 800 partner firms, which makes outsourcing bookkeeping easy.
- Payroll, expense claims, inventory and Controller budgeting all sit in one system, sized to Finnish rules.
- Starter's flat fee covers 1,000 common transactions, which is predictable for companies with higher volumes.
- Free 30-day trial with no credit card, and it does not convert automatically to a paid plan.
- Data is hosted on AWS in Germany and Sweden, inside the EU and EEA.
Cons
- Package fees rise with the turnover band, and the official page does not show every band's price.
- Basic and Core charge per transaction, so monthly costs vary.
- The full API requires Professional or higher.
- Built for Finland, so it offers little for companies operating elsewhere.
- Visma's trust page shows no Netvisor-specific audit reports or certifications, only AWS's ISO 27001.
- Few independent user reviews were found on major review sites.
Not sold on either?
Frequently Asked Questions
Qonto scores higher on our Finance Software criteria: 6.4/10 against 5.9/10 for Visma Netvisor. The largest gap is in Ease of Use: 8/10 for Qonto and 6/10 for Visma Netvisor.
Visma Netvisor costs less for 10 users: about €25/mo on its Basic plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
No, neither Qonto nor Visma Netvisor lists a free plan.
