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Updated September 28, 2026 · VaultCue Editorial Team

KDI Save vs Qonto

KDI Save scores 9.0 and Qonto 8.7 out of 10. Compare their differences and shared features below.
Qonto

Qonto

8.7/10
Visit
KDI Save

KDI Save

Higher score in this comparison

9.0/10
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KDI Save vs Qonto: the differences

KDI Save vs Qonto
CompareKDI SaveKDI SaveReviewSee alternativesSee alternativesQontoQontoReviewVisitVisit
Headline rate2.88% to 3.88%Higher1.5%
Rate typeFixedVariable
Minimum depositMYR 100€0
Access termsNo lock-in, withdraw anytime without charges, credited in 1-2 working days, daily returnsInstant 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 feeMYR 0€19
Deposit protectionNot confirmedEU DGS up to EUR 100,000

Same on both: 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

  • KDI Save scores higher overall: 9.0 vs 8.7.
  • Qonto is available in 7 more countries.
  • Headline rate is higher at KDI Save: 2.88% to 3.88% vs 1.5%.
  • Support channels: only KDI Save offers Community.
  • Support channels: only Qonto offers Chat.

Our verdict on each

KDI Save

KDI Save suits savers in Malaysia who want a cash management balance that pays a fixed return with no lock-in. Its overall score of 3.9 reflects a straightforward account from Kenanga Investment Bank Berhad, with support over email, phone and help centre and a MYR 100 opening deposit.

Read the full KDI Save 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

KDI Save vs Qonto
AreaKDI SaveQonto
Cost8.8Cost stays low: the monthly fee is MYR 0 and the account pays a fixed rate of 2.88% to 3.88%.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
TrustNot confirmed8.3

Positions in our rankings

KDI Save vs Qonto
RankingKDI SaveQonto
Savings accounts341 of 14208 of 1420
Cash management accounts14 of 453 of 45

Availability and regulation

KDI Save vs Qonto
CountryKDI SaveQonto
FranceNot confirmed
FR_ACPR PSD_PI FR_ACPR!68677
MalaysiaNot confirmed

Additional countries for KDI Save: 1. Additional countries for Qonto: 8.

Every fact side by side

KDI Save vs Qonto
FactKDI SaveQonto
Pricing modelNo monthly fee, Fixed rateNot confirmed
Legal entityKenanga Investment Bank BerhadQONTO
HeadquartersMalaysiaFrance
FoundedNot confirmed2017
Support channelsEmail, Phone, Help centre, CommunityChat, Phone, Email, Help centre

Everyday accounts

KDI Save vs Qonto
FactKDI SaveQonto
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

KDI Save vs Qonto
FactKDI SaveQontoMedian
Headline rate2.88% to 3.88%above the median1.5%lowest quarter3.25

Median across 658 listed accounts.

Pros and cons

KDI Save

Pros

  • No lock-in, so you can withdraw at any time without charges, with returns credited daily
  • A MYR 100 minimum deposit keeps the entry point modest
  • Licensed by the Securities Commission of Malaysia under eCMSL/A0008/2007 and run by Kenanga Investment Bank Berhad

Cons

  • The MYR 100 opening deposit sits well above the €0.17 minimum across savings accounts
  • The fixed rate holds the return in place rather than following the variable rates common among cash management accounts

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

KDI Save

Who it suits

  • Savers in Malaysia who want a fixed return on cash they can reach at any time
  • People who can start with a MYR 100 opening deposit and let the balance earn daily
  • Customers who want support over email, phone and help centre and a named bank behind the balance

Who should look elsewhere

  • AXI Card Tarjeta y Credito, listed at 21.59%, for readers shopping purely on the top rate
  • PayPal Colombia at 3.3%, for anyone who wants a higher headline return than the 2.88% to 3.88% range here
  • Plazo ES at 24.19%, for readers who want the highest headline rate on the list rather than a bank cash-management balance

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

KDI Save

Current offer

  • Bonus

    KDI Save promotional interest rate tiers effective 16 June 2026: 3.88% p.a. (Tier 1), 3.38% p.a. (Tier 2), base 2.88% p.a.

    Requires maintaining minimum KDI Invest balance of RM5,000 (Tier 1) or RM50,000 (Tier 2); otherwise base tier 2.88% p.a. applies

    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

KDI Save vs Qonto
CountryKDI SaveQonto
AustriaNoYes
BelgiumNoYes
FranceNoYes
GermanyNoYes
ItalyNoYes
MalaysiaYesNo
NetherlandsNoYes
PortugalNoYes

8 of 9 countries where either is available.

Questions about each

KDI Save

Does KDI Save charge a monthly fee?+

The monthly fee is MYR 0, and the account is sold on a no monthly fee model, so there is nothing to pay each month for keeping the balance open. Nothing in the access terms adds a charge for taking the money out either.

Who regulates KDI Save?+

The account is licensed by the Securities Commission of Malaysia under eCMSL/A0008/2007, and it is operated by Kenanga Investment Bank Berhad, a Malaysian bank. Keep the licence reference handy for your own records when you open the account.

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

Visit

KDI Save

See alternatives