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Updated October 21, 2026 · VaultCue Editorial Team

Crew vs Qonto

Crew scores 9.2 and Qonto 8.7 out of 10. Compare their differences and shared features below.
Crew

Crew

Higher score in this comparison

9.2/10
Visit
Qonto

Qonto

8.7/10
Visit

Where Crew and Qonto differ

Crew vs Qonto
CompareCrewCrewReviewVisitVisitQontoQontoReviewVisitVisit
Monthly fee$0€19
Currency conversion fee0%Lower0.8% to 1.8%
Local account detailsUs ACHIBAN
Transfer fee$20 wire, free ACH30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan)
Licence typeNot confirmedPayment institution
Deposit protectionNot confirmedEU DGS up to EUR 100,000
CurrenciesNot confirmedfrom 30

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

  • Crew scores higher overall: 9.2 vs 8.7.
  • Qonto 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 offers IBAN.
  • Support channels: only Qonto 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.

Read the full Crew 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

Crew vs Qonto
AreaCrewQonto
Cost9.4HigherHolding costs sit at $0 with conversion at 0% and moves under $20 wire, free ACH8.8A monthly fee of €19 on the standard plan and a minimum deposit of €0, against a site median of €0
Offer8.9Return sits at 2.95% on variable terms for flexible access9.1HigherHeadline rate of 1.5% is variable and sits at 350 of 473
TrustNot confirmed8.3

Spending 1,000 abroad

Crew

0

0% of 1,000

Qonto

8 to 18

0.8% to 1.8% of 1,000

Crew comes out 8 lower in this example.

Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 30, 2026.

Positions in our rankings

Crew vs Qonto
RankingCrewQonto
Savings accounts21 of 14208 of 1420
Online banks8 of 4025 of 402

Where these facts come from

Crew

  • trycrew.com: 9 facts, checked September 30, 2026

Qonto

  • qonto.com: 10 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 3 facts, checked September 26, 2026

Every fact side by side

Crew vs Qonto
FactCrewQonto
AudienceNot confirmedBusiness, Freelancer
Pricing modelNo monthly feeNot confirmed
FeaturesFree ATM, Joint account, Digital onlyCovers moreDigital only
Legal entityCrew Finance, Inc.QONTO
HeadquartersUnited StatesFrance
FoundedNot confirmed2017
Support channelsHelp centreChat, Phone, Email, Help centreCovers more

Savings

Crew vs Qonto
FactCrewQonto
Headline rate2.95%Higher1.5%
Rate typeVariableVariable
Minimum deposit$0€0
Access termsNo minimum balance, open accessInstant 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
Account kindEasy accessCash management

Where each stands against the rest

Crew vs Qonto
FactCrewQontoMedian
Currency conversion fee0%below the median0.8% to 1.8%above the median0.5%
CurrenciesNot confirmedfrom 30highest quarter5

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

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

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

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

Crew vs Qonto
CountryCrewQonto
AustriaNoYes
BelgiumNoYes
FranceNoYes
GermanyNoYes
ItalyNoYes
NetherlandsNoYes
PortugalNoYes
SpainNoYes

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

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

Crew

Visit

Qonto

Visit