Updated October 17, 2026 · VaultCue Editorial Team
Finom ES vs Qonto Portugal Business Account
Finom ES
Higher score in this comparison
Qonto Portugal Business Account
Where Finom ES and Qonto Portugal Business Account differ
| Compare | Finom ESReviewVisitVisit | Qonto Portugal Business AccountReviewVisitVisit |
|---|---|---|
| Monthly fee | €0Lower | €9 |
| Currency conversion fee | 0.5%Lower | 0.8% to 1.8% |
| Currencies | 17 | from 30 |
| Transfer fee | Fixed fee of 5 EUR to send or receive funds | 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 |
Same on both: Local account details (IBAN).
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Key differences
- Finom ES scores higher overall: 9.2 vs 8.7.
- Monthly fee is lower at Finom ES: €0 vs €9.
- Currency conversion fee is lower at Finom ES: 0.5% vs 0.8% to 1.8%.
Our verdict on each
Finom ES
Finom is known for joining a Spanish business account with invoicing and expense tools for freelancers and small firms. It is an online payments solution that keeps transfers, cards and admin together for people who run a small business and want everyday control from a phone or computer.
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 | Finom ES | Qonto Portugal Business Account |
|---|---|---|
| Cost | 9.2Higher | 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 | 9.3 | 9.5Higher |
| Trust | Not confirmed | 8.3 |
Spending 1,000 abroad
Finom ES
5
0.5% of 1,000
Qonto Portugal Business Account
8 to 18
0.8% to 1.8% of 1,000
Finom ES comes out 3 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked October 17, 2026.
Sources behind this comparison
Finom ES
- finom.es: 6 facts, checked October 17, 2026
Qonto Portugal Business Account
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 3 facts, checked September 26, 2026
How they place
| Ranking | Finom ES | Qonto Portugal Business Account |
|---|---|---|
| Business bank accounts | 12 of 563 | 6 of 563 |
| Accounts for freelancers | 5 of 130 | 3 of 130 |
Every fact side by side
| Fact | Finom ES | Qonto Portugal Business Account |
|---|---|---|
| Audience | Freelancer, Business | Business, Freelancer |
| Features | Not confirmed | Digital only |
| Legal entity | Not confirmed | QONTO |
| Headquarters | Not confirmed | France |
| Founded | Not confirmed | 2017 |
| Support channels | Not confirmed | Chat, Phone, Email, Help centre |
Where each stands against the rest
| Fact | Finom ES | Qonto Portugal Business Account | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €9highest quarter | €0 |
| Currency conversion fee | 0.5%at the median | 0.8% to 1.8%above the median | 0.5% |
| Currencies | 17highest quarter | from 30highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Finom ES
Pros
- Spanish IBAN with online opening within a day for business use
- Multiple physical and virtual debit cards with one-click controls for teams
- Built-in invoicing with payment links and reminders that help you get paid
Cons
- Business-only focus leaves little for people wanting personal accounts
- Online and mobile management without in-person branches for daily tasks
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
Finom ES
Who it suits
- Freelancers managing business income and expenses
- Small teams needing staff cards and tidy records
Who should look elsewhere
- People looking for a personal current account
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 | Finom ES | 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 |
Questions about each
Finom ES
Who can open a Finom account?+
Finom serves freelancers and small businesses that need a business account for daily work. Applicants receive a Spanish IBAN and complete the application online from a mobile phone or a computer. Opening completes within a day and keeps transfers, invoicing and cards together.
What everyday tools sit alongside the account?+
The account combines transfers with accounting tools and electronic invoicing in one place. You can share invoices by email or message and add a payment link to each one. Smart reminders chase late payments, while receipt capture and bulk exports keep records tidy.
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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