Updated October 17, 2026 · VaultCue Editorial Team
Finom FR vs Qonto Portugal Business Account
Finom FR
Higher score in this comparison
Qonto Portugal Business Account
Finom FR vs Qonto Portugal Business Account: the differences
| Compare | Finom FRReviewVisitVisit | 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 FR scores higher overall: 9.2 vs 8.7.
- Monthly fee is lower at Finom FR: €0 vs €9.
- Currency conversion fee is lower at Finom FR: 0.5% vs 0.8% to 1.8%.
Our verdict on each
Finom FR
Finom is an online business payment solution known for gathering transfers, invoicing and bookkeeping in one place for freelancers and small firms. It suits independents wanting a French IBAN with mobile management, employee cards and accounting connections that keep receipts, invoices and expenses organised.
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 FR | 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 |
What it costs in practice
A year with 1,000 spent abroad
Finom FR
€5
12 × €0 + 0.5% of 1,000
Qonto Portugal Business Account
€116 to €126
12 × €9 + 0.8% to 1.8% of 1,000
Finom FR costs €111 less.
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 FR
- finom.fr: 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 FR | Qonto Portugal Business Account |
|---|---|---|
| Business bank accounts | 13 of 563 | 6 of 563 |
| Accounts for freelancers | 6 of 130 | 3 of 130 |
Every fact side by side
| Fact | Finom FR | 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 FR | 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 FR
Pros
- French IBAN with fully online opening for freelancers
- Invoicing with payment links and smart late reminders
- Employee cards and receipt capture for team spending
Cons
- Business only range without personal everyday accounts
- French IBAN structure centred on one home market
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 FR
Who it suits
- Freelancers organising invoices, receipts and taxes together
- Small firms wanting team cards and expense control
- Independents needing a French IBAN and mobile management
Who should look elsewhere
- People seeking a personal current account
- Cash branch visitors wanting in person service
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 FR | 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 FR
Who can open a Finom account?+
Finom serves freelancers and small and medium enterprises seeking online business finance management. It brings transfers, accounting and invoicing together in one place for daily use. Independent workers use it to organise business money separately from personal spending.
What business products does Finom cover?+
Finom covers online business accounts with a French IBAN for small companies and independents. It includes transfers, invoicing and expense organisation within the same service. Employee cards can be issued, funded or capped while receipts move directly into the records.
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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