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Updated September 28, 2026 · VaultCue Editorial Team

Finom vs Qonto

Finom scores 8.9 and Qonto 8.7 out of 10. Compare their differences and shared features below.
Finom

Finom

Higher score in this comparison

8.9/10
Visit
Qonto

Qonto

8.7/10
Visit

Where Finom and Qonto differ

Finom vs Qonto
CompareFinomFinomReviewVisitVisitQontoQontoReviewVisitVisit
Headline rate5%Higher1.5%
Rate typeFixedVariable
Access termsInstant access, withdraw at any time with no withdrawal penaltiesInstant access to the money, no notice period; remuneration activated in the app, calculated daily on the total balance and paid on the 2nd of each month; requires at least 5 eligible payment transactions of at least 1 EUR per month
Monthly fee€0Lower€19

Same on both: Minimum deposit (€0), Deposit protection (EU DGS up to EUR 100,000), Account kind (Cash management).

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: 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 €19.
  • Headline rate is higher at Finom: 5% vs 1.5%.
  • Support channels: only Finom offers Community.
  • Support channels: only Qonto offers Phone.

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.

Read the full Finom review

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.

Read the full Qonto review

Score breakdown

Finom vs Qonto
AreaFinomQonto
Cost9.3HigherCosts sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%.8.8A monthly fee of €19 on the standard plan and a minimum deposit of €0, against a site median of €0
Offer9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.9.1Headline rate of 1.5% is variable and sits at 350 of 473
Trust8.28.3Higher

Licences and countries

Finom vs Qonto
CountryFinomQonto
CyprusNot confirmed
FranceNot confirmed
FR_ACPR PSD_PI FR_ACPR!68677
NetherlandsNot confirmed

Available in 8 countries for both. Additional countries for Finom: 3.

What it costs in practice

10,000 saved for 12 months

Finom

€500

5% of 10,000 - 12 × €0

Qonto

-€78

1.5% of 10,000 - 12 × €19

Finom comes out €578 ahead.

Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.

Where they rank in our lists

Finom vs Qonto
RankingFinomQonto
Savings accounts1 of 14208 of 1420
Cash management accounts2 of 453 of 45
Business bank accounts1 of 5635 of 563
Accounts for freelancers1 of 1302 of 130

What we checked

Finom

  • finom.co: 12 facts, checked September 26, 2026

Qonto

  • qonto.com: 9 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 2 facts, checked September 26, 2026

Every fact side by side

Finom vs Qonto
FactFinomQonto
Pricing modelNo monthly fee, Fixed rateNot confirmed
Legal entityPNL Fintech B.V.QONTO
HeadquartersNetherlandsFrance
Founded20192017Lower
Support channelsEmail, Chat, Help centre, CommunityChat, Phone, Email, Help centre

Everyday accounts

Finom vs Qonto
FactFinomQonto
Licence typeNot confirmedPayment institution
Currency conversion fee1%0.8% to 1.8%Lower
Currencies17from 30
AudienceBusiness, FreelancerBusiness, Freelancer
FeaturesFree ATMDigital only
Local account detailsIBANIBAN
Free ATM withdrawals€10,000Not confirmed
Transfer feeFree 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)

Where each stands against the rest

Finom vs Qonto
FactFinomQontoMedian
Headline rate5%above the median1.5%lowest quarter3.25%
Minimum deposit€0below the median€0below the median€1
Monthly fee€0at the median€19highest quarter€0

Median across 658 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

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

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

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

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

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

Finom vs Qonto
CountryFinomQonto
CyprusYesNo
IrelandYesNo
PolandYesNo
AustriaYesYes
BelgiumYesYes
FranceYesYes
GermanyYesYes
ItalyYesYes

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

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.

Other options to compare

Other matchups

Finom

Visit

Qonto

Visit