Updated October 17, 2026 · VaultCue Editorial Team
Finom ES vs Qonto
Finom ES
Higher score in this comparison
Qonto
Where Finom ES and Qonto differ
| Compare | Finom ESReviewVisitVisit | QontoReviewVisitVisit |
|---|---|---|
| Monthly fee | €0Lower | €19 |
| 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 €19.
- 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
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.
Score breakdown
| Area | Finom ES | Qonto |
|---|---|---|
| Cost | 9.2Higher | 8.8A monthly fee of €19 on the standard plan and a minimum deposit of €0, against a site median of €0 |
| Offer | 9.3Higher | 9.1Headline rate of 1.5% is variable and sits at 350 of 473 |
| Trust | Not confirmed | 8.3 |
Spending 1,000 abroad
Finom ES
5
0.5% of 1,000
Qonto
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.
Where these facts come from
Finom ES
- finom.es: 6 facts, checked October 17, 2026
Qonto
- 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 |
|---|---|---|
| Business bank accounts | 12 of 563 | 5 of 563 |
| Accounts for freelancers | 5 of 130 | 2 of 130 |
Every fact side by side
| Fact | Finom ES | Qonto |
|---|---|---|
| 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 | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €19highest 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
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
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
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
| Country | Finom ES | Qonto |
|---|---|---|
| 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
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.
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