Updated September 28, 2026 · VaultCue Editorial Team
Meow vs Qonto
Qonto
Meow
Higher score in this comparison
What sets them apart
| Compare | MeowReviewSee alternativesSee alternatives | QontoReviewVisitVisit |
|---|---|---|
| Monthly fee | $0 | €19 |
| Deposit protection | FDIC up to USD 250,000 | EU DGS up to EUR 100,000 |
| Currencies | 56 to 57 | from 30 |
| Local account details | Us ACH | IBAN |
| Transfer fee | No fees on domestic or international wires, ACH or checks | 30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan) |
| Licence type | Not confirmed | Payment institution |
| Currency conversion fee | Not confirmed | 0.8% to 1.8% |
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
- Meow scores higher overall: 9.2 vs 8.7.
- Meow is available in 208 more countries.
- Local account details: only Meow offers Us ACH.
- Local account details: only Qonto offers IBAN.
- Support channels: only Qonto offers Chat, Phone.
- Audience: only Qonto offers Freelancer.
- Features: only Meow offers No credit check.
- Features: only Qonto offers Digital only.
Our verdict on each
Meow
Meow suits US-registered businesses that want a cash management account with fees of $0 a month and no charge on domestic or international wires, ACH or checks. The trade-off is the balance you must keep: the minimum deposit is $100,000 and the rate is variable, so the headline moves.
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 | Meow | Qonto |
|---|---|---|
| Cost | 9.3HigherFees of $0 monthly and free transfers sit against a $100,000 minimum deposit, so costs stay low only with cash to spare. | 8.8A 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 | Not confirmed | 8.3 |
Ranges side by side
| Fact | Meow | Qonto |
|---|---|---|
| Currencies | 56 to 57 | from 30 |
Availability and regulation
| Country | Meow | Qonto |
|---|---|---|
| France | Not confirmed | FR_ACPR PSD_PI FR_ACPR!68677 |
| United States | Not confirmed |
Available in 8 countries for both. Additional countries for Meow: 208.
Sources behind this comparison
Meow
- meow.com: 10 facts, checked September 26, 2026
- support.meow.com: 1 fact, checked September 26, 2026
Qonto
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 3 facts, checked September 26, 2026
How they place
| Ranking | Meow | Qonto |
|---|---|---|
| Savings accounts | 214 of 1420 | 8 of 1420 |
| Cash management accounts | 9 of 45 | 3 of 45 |
| Business bank accounts | 81 of 563 | 5 of 563 |
Every fact side by side
| Fact | Meow | Qonto |
|---|---|---|
| Audience | Business | Business, FreelancerCovers more |
| Pricing model | No monthly fee | Not confirmed |
| Features | No credit check | Digital only |
| Legal entity | Meow Technologies, Inc. | QONTO |
| Headquarters | United States | France |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Help centre | Chat, Phone, Email, Help centreCovers more |
Savings
| Fact | Meow | Qonto |
|---|---|---|
| Headline rate | 3.68% to 3.92%Higher | 1.5% |
| Rate type | Variable | Variable |
| Minimum deposit | $100,000 | €0 |
| Access terms | On-demand business checking held at partner banks (Grasshopper Bank, Cross River Bank) with sweep to a network of FDIC-insured banks, 18+, US-registered entities only | 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 |
| Account kind | Cash management | Cash management |
Money transfer
| Fact | Meow | Qonto |
|---|---|---|
| Delivery time | 3 business days | Not confirmed |
| Payout methods | Bank | Not confirmed |
| Fee to send 1,000 | $0 | Not confirmed |
Where each stands against the rest
| Fact | Meow | Qonto | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0.8% to 1.8%above the median | 0.5 |
| Currencies | 56 to 57highest quarter | from 30highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Meow
Pros
- A monthly fee of $0 on a cash management account built for company money.
- No fees on domestic or international wires, ACH or checks, so paying suppliers and staff costs nothing to send.
- Deposit protection of FDIC up to USD 250,000, with the balance sweeping into a network of insured banks.
Cons
- A minimum deposit of $100,000 sits above the €45.76 upper quartile among business accounts.
- Support runs on email and help centre only.
- The rate is variable, so the headline can fall with the policy rate.
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
Meow
Who it suits
- US-registered businesses that want a cash management account with a monthly fee of $0.
- Companies paying suppliers abroad, with 56 to 57 currencies and no charge on the wires.
Who should look elsewhere
- Plazo ES, if you would rather hold euros than US dollars, since Meow is for US-registered entities.
- Skrill, if you need wallet payouts rather than a bank account.
- PayPal Colombia, if the payment must reach a Colombian account, since Meow runs on us ach.
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
Meow
Current offer
Bonus
Meow Cards 2.5% cashback on eligible AI spend: 2.5% cashback on eligible AI spend
Eligible AI spend only; full reward terms. The Meow Card is issued by Cross River Bank; Member FDIC.
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
| Country | Meow | Qonto |
|---|---|---|
| Aland Islands | Yes | No |
| Albania | Yes | No |
| American Samoa | Yes | No |
| Andorra | Yes | No |
| Anguilla | Yes | No |
| Antarctica | Yes | No |
| Antigua and Barbuda | Yes | No |
| Argentina | Yes | No |
8 of 216 countries where either is available.
Questions about each
Meow
What does Meow cost to run?+
The monthly fee is $0, and the transfer fee is $0 on domestic and international wires, ACH and checks. That keeps running costs low for a cash management account. The number to weigh is the $100,000 minimum deposit before the account earns anything.
Is my business money protected?+
Deposits carry FDIC up to USD 250,000 and are held at partner banks, with the balance sweeping into a network of FDIC-insured banks. The scheme covers cash at those banks rather than anything held with Meow. Business owners should read it as protection for operating cash, not a savings guarantee.
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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Related by the facts
Qonto
Meow