Qonto vs Finom (2026)

Who are they for?

Both Qonto and Finom are built exclusively for business use — they are not personal accounts repurposed for professionals. Both target the self-employed, freelancers, and small teams. Neither requires you to visit a branch; both can be set up online in a day.

Qonto is a French fintech founded in 2017, available in France, Germany, Spain, Italy, Austria, Belgium, and the Netherlands. It focuses on providing the most complete business banking suite, with deep accounting integrations and multi-user access.

Finom is a Dutch fintech founded in 2019, available in Germany, France, Spain, Italy, Netherlands, Belgium, Austria, and Portugal. Its headline feature is a free Solo plan — making it the only business bank on this list with no monthly fee for solopreneurs.

Pricing plans comparison

For a freelancer just starting out, Finom's free plan is a compelling starting point. Once your business grows and accounting integrations become critical, the calculus changes.

Invoicing features

Both platforms offer built-in invoicing — you can create, send and track professional invoices without a separate tool. Qonto's invoicing is more mature, with automatic payment matching and a wider set of templates. Finom's is solid for basic invoicing but lacks some of Qonto's polish.

For a solo freelancer sending 10–20 invoices a month, both are more than adequate. For a small team managing 100+ invoices, Qonto pulls ahead.

Accounting integrations

Qonto integrates directly with Xero, QuickBooks, Datev (Germany), Pennylane, and others. Transactions are automatically categorised and can be synced with receipts attached. This is a major time-saver at tax time and a genuine competitive advantage.

Finom offers fewer accounting integrations. It connects to some popular tools but the ecosystem is smaller. If you rely heavily on accounting software, Qonto is the stronger choice.

Cashback — Finom's unique advantage

Finom offers cashback on card spending — 0% on the free plan, rising to 3% on the Enterprise plan. For a business spending €2,000/month on software subscriptions and travel, the cashback on a Start plan (1%) earns back €20/month — nearly offsetting the plan cost entirely.

Qonto offers no cashback. For card-heavy businesses, this is a meaningful Finom advantage.

Country availability

Finom is available in Portugal — Qonto is not. For Portuguese-based freelancers, Finom is the only option between these two.

Bottom line

If you are starting out and want a capable business account with no monthly fee, Finom Solo is the clear winner. If you're an established freelancer or small team who relies on accounting integrations like Xero or Datev, Qonto delivers a more complete solution. Many businesses use Finom early-stage and graduate to Qonto as complexity grows.