Qonto vs Vivid Business: Complete Comparison (2026)
An in-depth comparison of Qonto and Vivid 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.
Vivid Business
6.1/10
Vivid Business is a business account from Berlin-based Vivid Money for European freelancers and SMEs. It bundles cards, multi-currency accounts, invoicing, card acceptance and interest on idle cash.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 6.1/10 |
| Analytics | 5/10 | 4/10 |
| Compliance | 6/10 | 6/10 |
| Cost | 6/10 | 8/10 |
| Customization | 5/10 | 5/10 |
| Ease of Use | 8/10 | 7/10 |
| Integration | 8/10 | 6/10 |
| Scalability | 6/10 | 6/10 |
| Security | 6/10 | 6/10 |
| Support | 5/10 | 5/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | €9/mo Basic | €7/mo Basic |
| Estimated cost for 10 users | €49/mo Essential | Free Free Start |
| Features | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
Qonto vs Vivid Business cost by team size
Vivid Business costs less at every team size we checked.
| Team size | Qonto | Vivid Business |
|---|---|---|
| 1 user | €9/moBasic | FreeFree Start |
| 5 users | €49/moEssential | FreeFree Start |
| 10 users | €49/moEssential | FreeFree Start |
| 25 users | €49/moEssential | FreeFree Start |
| 50 users | €49/moEssential | FreeFree Start |
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 Analytics score (5/10 vs 4/10)
Why choose Vivid 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)
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.
Vivid Business
Pros
- A free plan with unlimited team members and free virtual and physical cards keeps entry costs low.
- Promotional interest of 4% on EUR and 5% on USD and GBP, plus ongoing interest that rises on higher tiers.
- Invoicing, accounting integrations including DATEV, and a travel tool are included on every plan.
- Unlimited sub-accounts with their own IBANs make cash budgeting simple.
- Enterprise tiers add approval flows with up to three steps, custom roles and budgets.
Cons
- It is not an accounting system: there is no ledger or financial statements, so bookkeeping software is still needed.
- Trustpilot reviewers in 2026 report business funds frozen for weeks with poor explanations.
- Approval flows, custom roles and budgets require Enterprise at 79 euros per month or more.
- A Luxembourg IBAN can be refused for some direct debits, and Vivid is an e-money institution rather than a bank.
- Outgoing international transfers are not available on the free plan, and SWIFT transfers cost up to 30 euros.
Not sold on either?
Frequently Asked Questions
Qonto scores higher on our Finance Software criteria: 6.4/10 against 6.1/10 for Vivid Business. The largest gap is in Cost: 6/10 for Qonto and 8/10 for Vivid Business.
Vivid Business costs less for 10 users: free on its Free Start plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
Vivid Business has a free plan; Qonto does not list one.
