Qonto vs VosFactures: Complete Comparison (2026)
An in-depth comparison of Qonto and VosFactures 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.
VosFactures
6.3/10
VosFactures is an online invoicing and stock management tool for French micro-entrepreneurs, freelancers, small businesses and associations, with Factur-X and PEPPOL e-invoicing.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 6.3/10 |
| Analytics | 5/10 | 4/10 |
| Compliance | 6/10 | 7/10 |
| Cost | 6/10 | 9/10 |
| Customization | 5/10 | 6/10 |
| Ease of Use | 8/10 | 7/10 |
| Integration | 8/10 | 6/10 |
| Scalability | 6/10 | 4/10 |
| Security | 6/10 | 5/10 |
| Support | 5/10 | 6/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | €9/mo Basic | €5/mo Basique |
| Estimated cost for 10 users | €49/mo Essential | €60/mo Max |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| General Ledger | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
Qonto vs VosFactures cost by team size
VosFactures costs less up to 5 users; Qonto costs less from 10 users.
| Team size | Qonto | VosFactures |
|---|---|---|
| 1 user | €9/moBasic | FreeMicro |
| 5 users | €49/moEssential | €25/moPro |
| 10 users | €49/moEssential | €60/moMax |
| 25 users | €49/moEssential | €60/moMax |
| 50 users | €49/moEssential | €60/moMax |
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
- Lower estimated cost for 10 users: €49/mo vs €60/mo
- Higher Integration score (8/10 vs 6/10)
- Higher Scalability score (6/10 vs 4/10)
- Better fit for small business (9/10 vs 7/10)
Why choose VosFactures
- Has a free plan (Qonto does not)
- Higher Cost score (9/10 vs 6/10)
- 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.
VosFactures
Pros
- The free Micro plan and the 5 EUR Basique plan are among the cheapest ways to issue compliant French invoices.
- Factur-X and PEPPOL e-invoicing are included at no extra cost, ahead of the French e-invoicing mandate.
- Pricing is a flat fee per account, so the 60 EUR Max plan allows unlimited users.
- It supports many payment gateways, including Stripe, PayPal, Braintree, PayZen, Ingenico and BitPay.
- Support in French by phone, email and chat is free, including during the trial.
Cons
- It is not accounting software, with no general ledger and no VAT or tax return filing.
- Online payments, bank sync, stock and the accounting export require at least the Pro plan.
- Reviewers describe the interface as dated compared with newer competitors.
- There is no native Shopify integration.
- It has few verified user reviews on major review sites.
Not sold on either?
Frequently Asked Questions
Qonto scores higher on our Finance Software criteria: 6.4/10 against 6.3/10 for VosFactures. The largest gap is in Cost: 6/10 for Qonto and 9/10 for VosFactures.
Qonto costs less for 10 users: about €49/mo on its Essential plan, against about €60/mo on its Max plan for VosFactures, billed monthly.
VosFactures has a free plan; Qonto does not list one.
Qonto is the better fit for small business: we rate it 9/10 for them, against 7/10 for VosFactures.
