Qonto vs WISO MeinBüro: Complete Comparison (2026)
An in-depth comparison of Qonto and WISO MeinBüro 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.
WISO MeinBüro
6.1/10
German cloud software from Buhl for invoicing, simple cash-basis bookkeeping, VAT filing and order handling, built for freelancers and small businesses.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 6.1/10 |
| Scalability | 6/10 | 4/10 |
| Analytics | 5/10 | 4/10 |
| Compliance | 6/10 | 7/10 |
| Integration | 8/10 | 7/10 |
| Security | 6/10 | 6/10 |
| Support | 5/10 | 3/10 |
| Cost | 6/10 | 7/10 |
| Customization | 5/10 | 4/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €9/mo Basic | Contact for pricing |
| Estimated cost for 10 users | €49/mo Essential | Contact for pricing |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Tax Compliance | Not listed | |
Qonto vs WISO MeinBüro cost by team size
| Team size | Qonto | WISO MeinBüro |
|---|---|---|
| 1 user | €9/moBasic | Contact for pricing |
| 5 users | €49/moEssential | Contact for pricing |
| 10 users | €49/moEssential | Contact for pricing |
| 25 users | €49/moEssential | Contact for pricing |
| 50 users | €49/moEssential | Contact for pricing |
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 Scalability score (6/10 vs 4/10)
- Higher Support score (5/10 vs 3/10)
Why choose WISO MeinBüro
- Higher Compliance score (7/10 vs 6/10)
- Higher Cost 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.
WISO MeinBüro
Pros
- Writing quotes and invoices is fast, and OMR reviewers say this works even for users with no accounting knowledge.
- E-invoices in the XRechnung and ZUGFeRD formats are included in every plan.
- Data can be exported to DATEV and filed through ELSTER, and a tax adviser login is included in all plans.
- Bank payments are matched to invoices automatically from the Buchhaltung plan upward.
- Founders get 50 percent off the first year of the basic plan.
Cons
- Experte.de says it has no double-entry bookkeeping and cannot produce a BWA or profit and loss statement.
- Experte.de reports that the phone line is often busy and that email replies took more than two weeks.
- You can only buy a one-year contract paid in advance, and it renews automatically.
- OMR users complain about regular price rises and costly add-on modules.
- The cloud version can be slow, and Experte.de says it cannot issue invoices in other currencies.
Not sold on either?
Frequently Asked Questions
Qonto scores higher on our Finance Software criteria: 6.4/10 against 6.1/10 for WISO MeinBüro. The largest gap is in Scalability: 6/10 for Qonto and 4/10 for WISO MeinBüro.
No, neither Qonto nor WISO MeinBüro lists a free plan.
