Updated September 28, 2026 · VaultCue Editorial Team
Finom vs Qonto Portugal Business Account
Finom
Higher score in this comparison
Qonto Portugal Business Account
Finom vs Qonto Portugal Business Account: the differences
| Compare | FinomReviewVisitVisit | Qonto Portugal Business AccountReviewVisitVisit |
|---|---|---|
| Monthly fee | €0Lower | €9 |
| Currency conversion fee | 1% | 0.8% to 1.8%Lower |
| Currencies | 17 | from 30 |
| Transfer fee | Free outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro) | 30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan) |
| Licence type | Not confirmed | Payment institution |
| Free ATM withdrawals | €10,000 | Not confirmed |
Same on both: Deposit protection (EU DGS up to EUR 100,000), Local account details (IBAN).
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
- Finom scores higher overall: 8.9 vs 8.7.
- Founded is lower at Qonto Portugal Business Account: 2017 vs 2019.
- Finom is licensed in 1 more country.
- Finom is available in 3 more countries.
- Monthly fee is lower at Finom: €0 vs €9.
- Currency conversion fee is lower at Qonto Portugal Business Account: 0.8% to 1.8% vs 1%.
- Support channels: only Finom offers Community.
- Support channels: only Qonto Portugal Business Account offers Phone.
- Features: only Finom offers Free ATM.
- Features: only Qonto Portugal Business Account offers Digital only.
Our verdict on each
Finom
Finom suits freelancers and small businesses that want a euro cash account with a set rate and instant access. A minimum deposit of €0 and local IBAN details make it easy to open, though the fixed rate will not follow the market and support runs on email, chat and help centre only.
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 | Qonto Portugal Business Account |
|---|---|---|
| Cost | 9.3HigherCosts sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%. | 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 | 9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate. | 9.5 |
| Trust | 8.2 | 8.3Higher |
Licences and countries
| Country | Finom | Qonto Portugal Business Account |
|---|---|---|
| Cyprus | Not confirmed | |
| France | Not confirmed | FR_ACPR PSD_PI FR_ACPR!68677 |
| Netherlands | De Nederlandsche Bank (DNB) R180074 | Not confirmed |
Available in 8 countries for both. Additional countries for Finom: 3.
Where they rank in our lists
| Ranking | Finom | Qonto Portugal Business Account |
|---|---|---|
| Business bank accounts | 1 of 563 | 6 of 563 |
| Accounts for freelancers | 1 of 130 | 3 of 130 |
Every fact side by side
| Fact | Finom | Qonto Portugal Business Account |
|---|---|---|
| Audience | Business, Freelancer | Business, Freelancer |
| Pricing model | No monthly fee, Fixed rate | Not confirmed |
| Features | Free ATM | Digital only |
| Legal entity | PNL Fintech B.V. | QONTO |
| Headquarters | Netherlands | France |
| Founded | 2019 | 2017Lower |
| Support channels | Email, Chat, Help centre, Community | Chat, Phone, Email, Help centre |
Where each stands against the rest
| Fact | Finom | Qonto Portugal Business Account | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €9highest quarter | €0 |
| Currency conversion fee | 1%above the median | 0.8% to 1.8%above the median | 0.5% |
| Currencies | 17highest quarter | from 30highest quarter | 5 |
| Free ATM withdrawals | €10,000highest quarter | Not confirmed | €1 |
Median across 536 listed accounts.
Pros and cons
Finom
Pros
- The minimum deposit is €0, so an account can be opened without a large opening balance.
- The transfer fee leaves outgoing SEPA transfers free on the Solo plan within a monthly limit.
- Local IBAN details sit alongside 17 currencies, so one account can take payments in several currencies.
Cons
- The interest rate is fixed, so it will not rise with the market while most savings accounts here are variable (79%).
- The transfer fee for outgoing international payments is higher on the Solo plan than on the Pro plan.
- Deposit protection is EU DGS up to EUR 100,000, so any balance above that cap sits outside the scheme.
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
Who it suits
- Freelancers and sole traders who need local IBAN details and can move money the same day it arrives.
- Small businesses paid in euros by clients abroad who want several currencies in one place.
- Readers who want a set rate on working money rather than the highest variable rate on the table.
Who should look elsewhere
- Anyone ranking purely on the headline figure, since Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%.
- Variable rate savers, since 79% of the brands in this group pay a variable rate and the Finom rate is fixed.
- Readers happy with a wallet and a smaller return, since PayPal Colombia lists 3.3%.
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
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
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 | Qonto Portugal Business Account |
|---|---|---|
| Cyprus | Yes | No |
| Ireland | Yes | No |
| Poland | Yes | No |
| Austria | Yes | Yes |
| Belgium | Yes | Yes |
| France | Yes | Yes |
| Germany | Yes | Yes |
| Italy | Yes | Yes |
8 of 11 countries where either is available.
Questions about each
Finom
What does it cost to keep a Finom account?+
The monthly fee is €0 and the minimum deposit is €0, so there is no cost to holding a balance and no need for a large opening payment. The charge that matters is currency conversion at 1%, plus outgoing international payments, which cost more on the Solo plan than on the Pro plan.
Is my money protected if something goes wrong?+
Balances sit under the EU deposit guarantee scheme, with protection stated as EU DGS up to EUR 100,000. Finom is entered on the Dutch register as R180074 and on the Cypriot register as 456/25, so more than one supervisor is watching the business.
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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