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Updated September 28, 2026 · VaultCue Editorial Team

Insignis Cash vs Qonto

Insignis Cash scores 9.0 and Qonto 8.7 out of 10. Compare their differences and shared features below.
Qonto

Qonto

8.7/10
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Insignis Cash

Insignis Cash

Higher score in this comparison

9.0/10
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Where Insignis Cash and Qonto differ

Insignis Cash vs Qonto
CompareInsignis CashInsignis CashReviewSee alternativesSee alternativesQontoQontoReviewVisitVisit
Headline rate4.4% to 4.61%Higher1.5%
Minimum deposit£0€0
Deposit protectionFSCS up to GBP 85,000EU DGS up to EUR 100,000
Access termsEasy access, notice and fixed-term deposits up to 5 yearsInstant 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
Term6 to 60 monthsNot confirmed
Monthly feeNot confirmed€19

Same on both: Rate type (Variable), 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

  • Insignis Cash scores higher overall: 9.0 vs 8.7.
  • Qonto is available in 7 more countries.
  • Headline rate is higher at Insignis Cash: 4.4% to 4.61% vs 1.5%.
  • Support channels: only Qonto offers Chat.

Our verdict on each

Insignis Cash

Insignis Cash suits UK savers who want a cash management account with a low entry point and FSCS cover, and not those chasing a locked rate. The headline rate of 4.4% to 4.61% is the number that decides it, and the variable rate type decides how long it lasts.

Read the full Insignis Cash 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

Insignis Cash vs Qonto
AreaInsignis CashQonto
Cost9.5HigherHeadline rate of 4.4% to 4.61% on a £0 minimum deposit, with terms of 6 to 60 and a variable rate.8.8A monthly fee of €19 on the standard plan and a minimum deposit of €0, against a site median of €0
Offer9.3Higher9.1Headline rate of 1.5% is variable and sits at 350 of 473
Trust8.38.3

Availability and regulation

Insignis Cash vs Qonto
CountryInsignis CashQonto
FranceNot confirmed
FR_ACPR PSD_PI FR_ACPR!68677
United KingdomNot confirmed

Additional countries for Insignis Cash: 1. Additional countries for Qonto: 8.

How they place

Insignis Cash vs Qonto
RankingInsignis CashQonto
Savings accounts338 of 14208 of 1420
Cash management accounts13 of 453 of 45

Also worth a look

Finom has headline rate at 5%, against 4.4% to 4.61% for Insignis Cash and 1.5% for Qonto.

Finom review

Where these facts come from

Insignis Cash

  • insigniscash.com: 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

Insignis Cash vs Qonto
FactInsignis CashQonto
Pricing modelFixed rateNot confirmed
Legal entityInsignis Asset Management LimitedQONTO
HeadquartersUnited KingdomFrance
Founded20172017
Support channelsEmail, Phone, Help centreChat, Phone, Email, Help centreCovers more

Everyday accounts

Insignis Cash vs Qonto
FactInsignis CashQonto
Licence typeNot confirmedPayment institution
Currency conversion feeNot confirmed0.8% to 1.8%
CurrenciesNot confirmedfrom 30
AudienceNot confirmedBusiness, Freelancer
FeaturesNot confirmedDigital only
Local account detailsNot confirmedIBAN
Transfer feeNot confirmed30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan)

Where each stands against the rest

Insignis Cash vs Qonto
FactInsignis CashQontoMedian
Headline rate4.4% to 4.61%above the median1.5%lowest quarter3.25
Term6 to 60 monthshighest quarterNot confirmed24
Monthly feeNot confirmed€19highest quarter€0

Median across 658 listed accounts.

Pros and cons

Insignis Cash

Pros

  • The minimum deposit is £0, so there is no floor to clear before you can start.
  • The headline rate of 4.4% to 4.61% sits above the 3.3% listed at PayPal Colombia.
  • Deposits are covered by the FSCS scheme, listed as FSCS up to GBP 85,000.

Cons

  • The rate type is variable while the listed model is fixed rate, so treat 4.4% to 4.61% as a figure that can move rather than a return locked across 6 to 60.
  • Choosing a notice or fixed-term deposit ties that money up for 6 to 60 instead of leaving it on easy access terms.
  • The account is grouped as cash management, which suits holding cash but sits on a different shelf from the easy-access savings accounts most rate comparisons come from.

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

Insignis Cash

Who it suits

  • UK savers who put cover first, since deposit protection is listed as FSCS up to GBP 85,000.
  • People who need easy access for one pot and a longer lock of 6 to 60 for another, from the same provider.
  • Readers who want a named UK company behind the money: Insignis Asset Management Limited, founded in 2017.

Who should look elsewhere

  • Not for the highest headline figure on the site: Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%, well above the 4.4% to 4.61% here.
  • Not for savers who will settle for a lower number: PayPal Colombia lists 3.3% against 4.4% to 4.61% at Insignis Cash, so you trade some yield for the wider set of deposit terms.

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

Insignis Cash vs Qonto
CountryInsignis CashQonto
AustriaNoYes
BelgiumNoYes
FranceNoYes
GermanyNoYes
ItalyNoYes
NetherlandsNoYes
PortugalNoYes
SpainNoYes

8 of 9 countries where either is available.

Questions about each

Insignis Cash

What is the minimum deposit, and can I start small?+

The minimum deposit is £0, so there is no floor to clear before you start. Deposits come as easy access, notice and fixed-term options, and fixed terms run 6 to 60. On minimum deposit the account ranks 1 of 370 brands on the site.

Is my money protected?+

Money is covered by the FSCS scheme, listed as FSCS up to GBP 85,000, so the protection comes with a cap you can read. The provider operates under the Financial Conduct Authority's Payment Services Regulations permission, recorded as 813442 for the UK. Hold on to the cap and the licence, since they answer different questions about the same balance.

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

Qonto

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Insignis Cash

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