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Updated September 29, 2026 · VaultCue Editorial Team

Bitpanda vs Qonto

Bitpanda scores 9.0 and Qonto 8.7 out of 10. Compare their differences and shared features below.
Bitpanda

Bitpanda

Higher score in this comparison

9.0/10
Visit
Qonto

Qonto

8.7/10
Visit

Where Bitpanda and Qonto differ

Bitpanda vs Qonto
CompareBitpandaBitpandaReviewVisitVisitQontoQontoReviewVisitVisit
Headline rate2.38%Higher1.5%
Access termsWithdraw anytime with no lock-inInstant access to the money, no notice period; remuneration activated in the app, calculated daily on the total balance and paid on the 2nd of each month; requires at least 5 eligible payment transactions of at least 1 EUR per month
Monthly fee€0Lower€19
Account kindEasy accessCash management
Minimum depositNot confirmed€0
RegulatorsAustrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA)Not confirmed

Same on both: Rate type (Variable), Deposit protection (EU DGS up to EUR 100,000).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • Bitpanda scores higher overall: 9.0 vs 8.7.
  • Bitpanda is licensed in 2 more countries.
  • Monthly fee is lower at Bitpanda: €0 vs €19.
  • Headline rate is higher at Bitpanda: 2.38% vs 1.5%.

Our verdict on each

Bitpanda

Bitpanda suits savers seeking flexible access plus stated deposit protection under European rules, with cash that stays available for withdrawal at any moment. The headline rate of 2.38% sits below the market middle shown at 3.25%, so yield chasers may look elsewhere for higher variable returns.

Read the full Bitpanda review

Qonto

Qonto suits businesses and freelancers who want their day to day banking in one app and will not chase the highest rate. The monthly fee of €19 is the trade off, and the 1.5% headline rate ranks 350 of 473 brands.

Read the full Qonto review

Score breakdown

Bitpanda vs Qonto
AreaBitpandaQonto
Cost9.0HigherMonthly fee of €0 linked to model no monthly fee keeps holding costs muted.8.8A monthly fee of €19 on the standard plan and a minimum deposit of €0, against a site median of €0
Offer8.5Headline rate of 2.38% tied to terms variable shapes flexible returns.9.1HigherHeadline rate of 1.5% is variable and sits at 350 of 473
Trust9.2HigherStated cover of EU DGS up to EUR 100,000 underpins balance safety.8.3

Where each is licensed and available

Bitpanda vs Qonto
CountryBitpandaQonto
Austria
Austrian Financial Market Authority (FMA) MiCA CASP 5493007WZ7IFULIL8G21
AT_FMA PSD_EMI AT_FMA_54966
Not confirmed
FranceNot confirmed
FR_ACPR PSD_PI FR_ACPR!68677
GermanyNot confirmed
Malta
Malta Financial Services Authority (MFSA) MiCA CASP 984500DEID7B03J77118
Not confirmed

Choosing between them

Pick Bitpanda if trust, headline rate, and monthly fee matter most.

Pick Qonto if offer matter most.

Where they rank in our lists

Bitpanda vs Qonto
RankingBitpandaQonto
Savings accounts10 of 14208 of 1420

Sources behind this comparison

Bitpanda

  • bitpanda.com: 6 facts, checked September 29, 2026
  • esma.europa.eu: 2 facts, checked September 28, 2026

Qonto

  • qonto.com: 9 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 2 facts, checked September 26, 2026

Every fact side by side

Bitpanda vs Qonto
FactBitpandaQonto
Pricing modelNo monthly feeNot confirmed
Legal entityNot confirmedQONTO
HeadquartersNot confirmedFrance
FoundedNot confirmed2017
Support channelsNot confirmedChat, Phone, Email, Help centre

Everyday accounts

Bitpanda vs Qonto
FactBitpandaQonto
Licence typeNot confirmedPayment institution
Currency conversion feeNot confirmed0.8% to 1.8%
CurrenciesNot confirmedfrom 30
AudienceNot confirmedBusiness, Freelancer
FeaturesNot confirmedDigital only
Local account detailsNot confirmedIBAN
Transfer feeNot confirmed30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan)

Where each stands against the rest

Bitpanda vs Qonto
FactBitpandaQontoMedian
Headline rate2.38%below the median1.5%lowest quarter3.25%
Minimum depositNot confirmed€0below the median€1
Monthly fee€0at the median€19highest quarter€0

Median across 658 listed accounts.

Pros and cons

Bitpanda

Pros

  • Monthly fee of €0 keeps holding costs muted for savers
  • Deposit protection stated as EU DGS up to EUR 100,000 for eligible balances
  • Flexible account kind linked to easy access with variable terms of variable

Cons

  • Support runs on help centre and community only, which limits direct contact routes for savers needing guided help.
  • Variable terms through variable mean the return can move after opening, which suits flexible savers less focused on certainty.
  • Headline rate of 2.38% trails eToro at 3.8% for savers chasing higher variable yield.

Qonto

Pros

  • Minimum deposit of €0, so the account opens without tying up money
  • Support runs on chat, phone and email
  • Currency conversion of 0.8% to 1.8% suits frequent international invoicing

Cons

  • The monthly fee of €19 makes it expensive for anyone holding a small balance
  • The account is digital only, so there is no branch to visit
  • The 1.5% rate is only paid while the transaction condition is met

Who each suits

Bitpanda

Who it suits

  • Savers seeking ready access to cash who accept variable returns, with AXI Card left aside for credit style needs.
  • Savers valuing stated European cover who find eToro less aligned despite higher headline yield.

Who should look elsewhere

  • Savers chasing higher variable yield may prefer eToro for its headline rate edge over Bitpanda.
  • Savers seeking guided phone help may prefer Santander Consumer Bank for broader service expectations beyond community routes.

Qonto

Who it suits

  • Freelancers and sole traders billing across borders
  • Small businesses paying and receiving in several currencies
  • Anyone who wants their accounts, cards and invoices in one app

Who should look elsewhere

  • Anyone saving mainly for yield, since the 1.5% rate is variable and ranks 350 of 473
  • People who want to hold a large balance while paying nothing, given the monthly fee of €19
  • Anyone who prefers a branch, as the account is digital only

Current offers

Qonto

Current offer

  • Bonus

    Up to 5% AER account remuneration for 2 months for new customers: 5% AER for 2 months, then 1.5% AER on the Smart plan

    New customers only, first 2 months of the contract, on plans Smart and above; requires at least 5 eligible payment transactions of at least 1 EUR per month; remuneration capped at 50,000 EUR on Smart and 100,000 EUR on Premium; Account Remuneration currently available in France, Spain, Italy and the Netherlands

    Source, checked September 26, 2026

  • Free trial

    1-month free trial on business account plans: 1 month free

    Offered on the Basic, Smart and Premium business account plans, prices excl. VAT

    Source, checked September 26, 2026

Country by country

Bitpanda vs Qonto
CountryBitpandaQonto
AustriaNoYes
BelgiumNoYes
FranceNoYes
GermanyNoYes
ItalyNoYes
NetherlandsNoYes
PortugalNoYes
SpainNoYes

Questions about each

Bitpanda

Does Bitpanda charge a monthly fee for this savings account?+

The account carries a monthly fee of €0 under model no monthly fee. That structure leaves holding costs muted while returns depend on market moves and the variable terms that apply to balances.

Is cash held with Bitpanda protected?+

Stated protection is EU DGS up to EUR 100,000. That cover applies within the stated European deposit framework and gives savers a defined safety net for eligible cash, subject to scheme rules and limits.

Qonto

How much does Qonto cost each month?+

The standard plan charges a monthly fee of €19. SEPA transfers are included up to a set monthly allowance, and each transfer beyond it carries a small fixed charge. Currency conversion adds 0.8% to 1.8% on converted payments.

Is there a minimum deposit to open a Qonto account?+

There is no minimum, and the stated minimum deposit is €0. The account can therefore be opened and funded with a small balance, which suits a new business or a first freelance invoice.

Other options to compare

Bitpanda

Visit

Qonto

Visit