Updated October 21, 2026 · VaultCue Editorial Team
Crew vs Qonto Portugal Business Account
Crew
Higher score in this comparison
Qonto Portugal Business Account
Where Crew and Qonto Portugal Business Account differ
| Compare | CrewReviewVisitVisit | Qonto Portugal Business AccountReviewVisitVisit |
|---|---|---|
| Monthly fee | $0 | €9 |
| Currency conversion fee | 0%Lower | 0.8% to 1.8% |
| Local account details | Us ACH | IBAN |
| Transfer fee | $20 wire, free ACH | 30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan) |
| Licence type | Not confirmed | Payment institution |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currencies | Not confirmed | from 30 |
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Key differences
- Crew scores higher overall: 9.2 vs 8.7.
- Qonto Portugal Business Account is available in 7 more countries.
- Currency conversion fee is lower at Crew: 0% vs 0.8% to 1.8%.
- Local account details: only Crew offers Us ACH.
- Local account details: only Qonto Portugal Business Account offers IBAN.
- Support channels: only Qonto Portugal Business Account offers Chat, Phone, Email.
- Features: only Crew offers Free ATM, Joint account.
Our verdict on each
Crew
Crew suits savers who want flexible access with United States ACH links and help centre support, paired with joint account use and card spending without conversion charges. The account pays interest at 2.95% on a variable basis with $0 to hold and 0% conversion cost.
Qonto Portugal Business Account
Qonto Portugal Business Account suits small businesses and freelancers who want a euro account with reach into many currencies and EU deposit protection. The trade-off is the €9 monthly fee, against €0 at XTB and €0 at AXI Card every month.
Score breakdown
| Area | Crew | Qonto Portugal Business Account |
|---|---|---|
| Cost | 9.4HigherHolding costs sit at $0 with conversion at 0% and moves under $20 wire, free ACH | 8.5It charges a monthly fee of €9 where €0 is the norm on the site, offset by conversion fees of 0.8% to 1.8%. |
| Offer | 8.9Return sits at 2.95% on variable terms for flexible access | 9.5Higher |
| Trust | Not confirmed | 8.3 |
Where they rank in our lists
| Ranking | Crew | Qonto Portugal Business Account |
|---|---|---|
| Online banks | 8 of 402 | 6 of 402 |
Which one suits you
Pick Crew if cost and currency conversion fee matter most.
Pick Qonto Portugal Business Account if offer matter most.
Every fact side by side
| Fact | Crew | Qonto Portugal Business Account |
|---|---|---|
| Audience | Not confirmed | Business, Freelancer |
| Pricing model | No monthly fee | Not confirmed |
| Features | Free ATM, Joint account, Digital onlyCovers more | Digital only |
| Legal entity | Crew Finance, Inc. | QONTO |
| Headquarters | United States | France |
| Founded | Not confirmed | 2017 |
| Support channels | Help centre | Chat, Phone, Email, Help centreCovers more |
Savings
| Fact | Crew | Qonto Portugal Business Account |
|---|---|---|
| Headline rate | 2.95% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Minimum deposit | $0 | Not confirmed |
| Access terms | No minimum balance, open access | Not confirmed |
| Account kind | Easy access | Not confirmed |
Where each stands against the rest
| Fact | Crew | Qonto Portugal Business Account | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0.8% to 1.8%above the median | 0.5% |
| Currencies | Not confirmed | from 30highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Crew
Pros
- Card conversion stays at 0%, below Oney at 1% for your trips
- Account upkeep stays at $0, matching Bit2Me at €0 and bunq at €0
- Return sits at 2.95% on variable terms for easy access saving
Cons
- Support runs on help centre only, which shapes how you seek care
- Rate terms stay variable at 2.95%, so your return can adjust over time
- Local links centre on us ACH only, which shapes how you move funds
Qonto Portugal Business Account
Pros
- The account covers from 30 currencies, well above the 5 seen across the site.
- Deposits sit under EU DGS up to EUR 100,000, so the working balance stays inside the EU guarantee.
- Support runs on chat, phone and email, including a phone line for urgent payment problems.
Cons
- The €9 monthly fee is the cost rivals skip, with XTB at €0 and AXI Card at €0.
- Currency conversion costs of 0.8% to 1.8% apply to any payment made outside the euro zone.
- The account is digital only, so there is no branch counter and no paper trail outside the app.
Who each suits
Crew
Who it suits
- Savers who want flexible access with joint account use and ATM access for daily needs
- Spenders who want card use without conversion cost and ACH links for domestic moves
Who should look elsewhere
- If you want phone or chat care rather than help centre only, bunq may suit your style better
- If you want wider currency routes beyond United States ACH links, Oney may suit your plans better
Qonto Portugal Business Account
Who it suits
- Businesses and freelancers, the audiences the account is built for, billing in euros.
- Companies with customers in several markets, since the account covers from 30 currencies.
- Finance teams that want deposit cover in the same account they pay suppliers from, under EU DGS up to EUR 100,000.
Who should look elsewhere
- XTB, when the monthly fee decides it: XTB lists €0 and this account charges €9.
- AXI Card, for the same reason, with a monthly fee of €0 against €9 here.
- Skrill, if a wallet balance fits the money flow better than a business account carrying €9 a month and 0.8% to 1.8% on conversion.
Current offers
Qonto Portugal Business Account
Current offer
Free trial
1-month free trial: 1 month free
Offered on the self-employed Basic, Smart and Premium plans; prices shown are monthly equivalents on an annual plan
Source, checked September 26, 2026
Bonus
Account remuneration: boosted rate for 2 months: 5% AER for 2 months, then 1.5% AER
Smart and Premium plans; requires at least 5 eligible transactions per month; balance cap EUR 50,000 (Smart) or EUR 100,000 (Premium)
Source, checked September 26, 2026
Country by country
| Country | Crew | Qonto Portugal Business Account |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Portugal | No | Yes |
| Spain | No | Yes |
8 of 9 countries where either is available.
Questions about each
Crew
What does Crew cost to hold and use+
You pay $0 to hold the account, with card conversion at 0% for spending in other currencies. Moves fall under $20 wire, free ACH, so ACH transfers stay free while wires carry a stated charge for handling.
How does the Crew return work+
Crew pays 2.95% on variable terms for easy access balances held in the account. Your rate can move over time with market shifts and provider decisions, so your return may rise or fall while access remains open.
Qonto Portugal Business Account
What does the account cost each month?+
The account carries a monthly fee of €9 on the Basic plan. Payment activity adds to it: transfers beyond the included bundle each carry a flat charge. Budget for the fee as the baseline cost of keeping the account open.
What do extra SEPA transfers cost?+
On the Basic plan a bundle of SEPA transfers is included each month, and every transfer after that is charged at a flat rate per transaction. The monthly fee of €9 does not cover extra payment volume, so busy months cost more than the headline price.
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