Updated October 17, 2026 · VaultCue Editorial Team
iuvoSAVE vs Qonto
iuvoSAVE
Higher score in this comparison
Qonto
Where iuvoSAVE and Qonto differ
| Compare | iuvoSAVEReviewVisitVisit | QontoReviewVisitVisit |
|---|---|---|
| Headline rate | 5%Higher | 1.5% |
| Rate type | Fixed | Variable |
| Minimum deposit | €100 | €0Lower |
| Access terms | Funds can be added at any time and early exit is allowed before the due date, capped at 10 000 EUR per month per iuvoSAVE version, with a 1% fee on the amount exited early; balance becomes available automatically after the due date unless renewal is selected | Instant 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 |
| Account kind | Fixed | Cash management |
| Term | 3 months | Not confirmed |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
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Key differences
- Founded is lower at iuvoSAVE: 2016 vs 2017.
- Qonto is available in 7 more countries.
- Minimum deposit is lower at Qonto: €0 vs €100.
- Monthly fee is lower at iuvoSAVE: €0 vs €19.
- Headline rate is higher at iuvoSAVE: 5% vs 1.5%.
- Support channels: only Qonto offers Chat.
Our verdict on each
iuvoSAVE
The iuvo portal identifies IUVO GROUP OÜ, Estonian registry code 14063375, as its operator and describes a receivables-assignment portal.
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 | iuvoSAVE | Qonto |
|---|---|---|
| Cost | 8.7 | 8.8HigherA monthly fee of €19 on the standard plan and a minimum deposit of €0, against a site median of €0 |
| Offer | 9.1 | 9.1Headline rate of 1.5% is variable and sits at 350 of 473 |
| Trust | 8.4Higher | 8.3 |
How they place
| Ranking | iuvoSAVE | Qonto |
|---|---|---|
| Savings accounts | 12 of 1420 | 8 of 1420 |
Pick iuvoSAVE if, pick Qonto if
Pick iuvoSAVE if headline rate and monthly fee matter most.
Pick Qonto if minimum deposit matter most.
Sources behind this comparison
iuvoSAVE
- iuvo-group.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
| Fact | iuvoSAVE | Qonto |
|---|---|---|
| Pricing model | No monthly fee, Fixed rate | Not confirmed |
| Legal entity | IUVO GROUP OÜ | QONTO |
| Headquarters | Estonia | France |
| Founded | 2016Lower | 2017 |
| Support channels | Email, Phone, Help centre | Chat, Phone, Email, Help centreCovers more |
Everyday accounts
| Fact | iuvoSAVE | Qonto |
|---|---|---|
| Licence type | Not confirmed | Payment institution |
| Currency conversion fee | Not confirmed | 0.8% to 1.8% |
| Currencies | Not confirmed | from 30 |
| Audience | Not confirmed | Business, Freelancer |
| Features | Not confirmed | Digital only |
| Local account details | Not confirmed | IBAN |
| Transfer fee | Not confirmed | 30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan) |
Where each stands against the rest
| Fact | iuvoSAVE | Qonto | Median |
|---|---|---|---|
| Headline rate | 5%above the median | 1.5%lowest quarter | 3.25% |
| Term | 3 monthslowest quarter | Not confirmed | 24 months |
| Minimum deposit | €100above the median | €0below the median | €1 |
| Monthly fee | €0at the median | €19highest quarter | €0 |
Median across 658 listed accounts.
Pros and cons
iuvoSAVE
Pros
- Clear focus on purchasing receivables
- Originators reviewed before offers appear
- Operated by a company registered in Estonia
Cons
- Lending through a platform carries credit risk
- Delayed payments can take time to resolve
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
iuvoSAVE
Who it suits
- Readers reviewing iuvo’s stated operator and portal description.
Who should look elsewhere
- People who need every part of their funds fully protected from loss
- Anyone seeking everyday banking products
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 | iuvoSAVE | Qonto |
|---|---|---|
| Austria | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Portugal | No | Yes |
| Spain | No | Yes |
| Belgium | Yes | Yes |
Questions about each
iuvoSAVE
Which kinds of people tend to use a receivables platform like this one?+
People who are comfortable with credit risk and understand how borrowers meet their payments tend to use a platform like this one. Those who want straightforward cash holdings usually look elsewhere first. The format fits people who are willing to study the arrangements closely before committing funds.
What kind of activity does the platform focus on?+
The platform focuses on purchasing receivables, which means buying claims on money owed through loans and other receivables offered by originators. Its range is narrow by design, so the activity does not extend to everyday banking products. People who want a broad set of services will need to look elsewhere.
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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