Qonto vs Zoho Books Comparison
Compare Qonto vs Zoho Books features, pricing, and more.
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.
Zoho Books
7/10
Cloud accounting software from Zoho for small and growing businesses, covering invoicing, bank reconciliation, bills, inventory and financial reporting.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 7/10 |
| Scalability | 6/10 | 6/10 |
| Analytics | 5/10 | 7/10 |
| Compliance | 6/10 | 7/10 |
| Integration | 8/10 | 7/10 |
| Security | 6/10 | 7/10 |
| Support | 5/10 | 5/10 |
| Cost | 6/10 | 8/10 |
| Customization | 5/10 | 8/10 |
| Ease of Use | 8/10 | 7/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | €9/mo Basic | $20/mo Standard |
| Estimated cost for 10 users | €49/mo Essential | $70/mo Premium |
| Features | ||
| Accountant Access | ||
| Accounts Payable | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Audit Trail | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
Qonto vs Zoho Books cost by team size
| Team size | Qonto | Zoho Books |
|---|---|---|
| 1 user | €9/moBasic | FreeFree |
| 5 users | €49/moEssential | $50/moProfessional |
| 10 users | €49/moEssential | $70/moPremium |
| 25 users | €49/moEssential | FreeFree |
| 50 users | €49/moEssential | FreeFree |
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 7/10)
- Higher Ease of Use score (8/10 vs 7/10)
Why choose Zoho Books
- Has a free plan (Qonto does not)
- Higher Customization score (8/10 vs 5/10)
- Higher Analytics score (7/10 vs 5/10)
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.
Zoho Books
Pros
- The free plan includes online payments, bank reconciliation, recurring invoices and 1099 tracking for one user plus an accountant.
- Pricing is per organization, not per user, so small teams avoid per-seat costs.
- It connects natively with Zoho CRM, Zoho Payroll, Zoho Inventory and Zoho Analytics.
- Professional and higher plans include custom workflows, custom roles and approvals, and Premium adds custom modules and functions.
- On the Elite plan, inventory features cover warehouses, serial and batch tracking, and marketplace sync.
Cons
- Budgets, multi-currency and advanced inventory are only available on higher-priced tiers.
- Reviewers on Capterra and in NerdWallet's write-up describe slow or unhelpful customer support.
- It has fewer third-party integrations than its main competitors, according to NerdWallet.
- A PeerSpot reviewer found it awkward to invoice the same customer in different currencies.
- Even the top plan has a hard cap of 15 users, plus annual transaction limits.
Not sold on either?
Frequently Asked Questions
Zoho Books scores higher on our Finance Software criteria: 7/10 against 6.4/10 for Qonto. The largest gap is in Customization: 5/10 for Qonto and 8/10 for Zoho Books.
Zoho Books has a free plan; Qonto does not list one.
