Updated October 17, 2026 · VaultCue Editorial Team
Finom FR vs Qonto
Finom FR
Higher score in this comparison
Qonto
Finom FR vs Qonto: the differences
| Compare | Finom FRReviewVisitVisit | 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 FR scores higher overall: 9.2 vs 8.7.
- Monthly fee is lower at Finom FR: €0 vs €19.
- 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
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 FR | 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 |
Availability and regulation
| Country | Finom FR | Qonto |
|---|---|---|
| France | Not confirmed | FR_ACPR PSD_PI FR_ACPR!68677 |
Where these facts come from
Finom FR
- finom.fr: 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 FR | Qonto |
|---|---|---|
| Business bank accounts | 13 of 563 | 5 of 563 |
| Accounts for freelancers | 6 of 130 | 2 of 130 |
Every fact side by side
| Fact | Finom FR | 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 FR | 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 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
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 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
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 FR | 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 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
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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