Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Updated September 28, 2026 · VaultCue Editorial Team

Paysera vs Qonto Portugal Business Account

Paysera scores 9.1 and Qonto Portugal Business Account 8.7 out of 10. Compare their differences and shared features below.
Qonto Portugal Business Account

Qonto Portugal Business Account

8.7/10
Visit
Paysera

Paysera

Higher score in this comparison

9.1/10
See alternatives

Paysera vs Qonto Portugal Business Account: the differences

Paysera vs Qonto Portugal Business Account
ComparePayseraPayseraReviewSee alternativesSee alternativesQonto Portugal Business AccountQonto Portugal Business AccountReviewVisitVisit
Monthly fee€0Lower€9
Licence typeE moneyPayment institution
Currencies30from 30
Transfer feeSEPA/SEPA Instant: 30 free per month, then 0.30 EUR per transfer (private client)30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan)
Currency conversion feeNot confirmed0.8% to 1.8%

Same on both: Deposit protection (EU DGS up to EUR 100,000), Local account details (IBAN).

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

  • Paysera scores higher overall: 9.1 vs 8.7.
  • Paysera is available in 76 more countries.
  • Monthly fee is lower at Paysera: €0 vs €9.
  • Support channels: only Qonto Portugal Business Account offers Chat.
  • Audience: only Qonto Portugal Business Account offers Freelancer.

Our verdict on each

Paysera

Paysera suits businesses holding several currencies and settling in euro. Fees are €0 a month, the rate is variable, and balances sit under EU DGS up to EUR 100,000.

Read the full Paysera review

Qonto Portugal Business Account

Qonto Portugal Business Account suits small businesses and freelancers who want a euro account with reach into many currencies and EU deposit protection. The trade-off is the €9 monthly fee, against €0 at XTB and €0 at AXI Card every month.

Read the full Qonto Portugal Business Account review

Score breakdown

Paysera vs Qonto Portugal Business Account
AreaPayseraQonto Portugal Business Account
Cost9.1HigherMonthly fee is €0 and transfers in other currencies carry €0, with a variable rate.8.5It charges a monthly fee of €9 where €0 is the norm on the site, offset by conversion fees of 0.8% to 1.8%.
Offer9.19.5Higher
TrustNot confirmed8.3

The bill, worked out

A year with 1,000 spent abroad

Paysera

€0

12 × €0

Qonto Portugal Business Account

€108

12 × €9

Paysera costs €108 less.

Excludes currency conversion fee (not stated by Paysera). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.

Licences and countries

Paysera vs Qonto Portugal Business Account
CountryPayseraQonto Portugal Business Account
FranceNot confirmed
FR_ACPR PSD_PI FR_ACPR!68677
Lithuania
LT_BL PSD_EMI LT_LT_BL_300060819
Not confirmed

Available in 8 countries for both. Additional countries for Paysera: 76.

Choosing between them

Pick Paysera if cost and monthly fee matter most.

Pick Qonto Portugal Business Account if offer matter most.

What we checked

Paysera

  • paysera.lv: 5 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 4 facts, checked September 26, 2026
  • paysera.com: 3 facts, checked September 26, 2026

Qonto Portugal Business Account

  • qonto.com: 10 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 3 facts, checked September 26, 2026

How they place

Paysera vs Qonto Portugal Business Account
RankingPayseraQonto Portugal Business Account
Current and checking accounts85 of 8852 of 885
Business bank accounts118 of 5636 of 563
Online banks85 of 4026 of 402

Every fact side by side

Paysera vs Qonto Portugal Business Account
FactPayseraQonto Portugal Business Account
AudienceBusinessBusiness, FreelancerCovers more
Pricing modelNo monthly feeNot confirmed
FeaturesDigital onlyDigital only
Legal entity"Paysera LT", UABQONTO
HeadquartersLithuaniaFrance
FoundedNot confirmed2017
Support channelsPhone, Email, Help centreChat, Phone, Email, Help centreCovers more

Money transfer

Paysera vs Qonto Portugal Business Account
FactPayseraQonto Portugal Business Account
Delivery timeImmediately in EUR within Paysera network and SEPA; USD from 1 hour up to 1 business day; GBP 1 to 3 business daysNot confirmed
Payout methodsBank, Cash pickup, CardNot confirmed
Fee to send 1,000€0Not confirmed

Where each stands against the rest

Paysera vs Qonto Portugal Business Account
FactPayseraQonto Portugal Business AccountMedian
Monthly fee€0at the median€9highest quarter€0
Currency conversion feeNot confirmed0.8% to 1.8%above the median0.5
Currencies30highest quarterfrom 30highest quarter5

Median across 536 listed accounts.

Pros and cons

Paysera

Pros

  • Account administration is free, with a monthly charge only after a long stretch with no login or payment
  • Balances are covered by EU DGS up to EUR 100,000 under the EU deposit guarantee
  • 30 currencies with iban for receiving payments

Cons

  • The rate is variable, so the return on balances can change
  • Transfers in other currencies carry €0 and can take longer than euro ones
  • The account is digital only, so everything runs through the app

Qonto Portugal Business Account

Pros

  • The account covers from 30 currencies, well above the 5 seen across the site.
  • Deposits sit under EU DGS up to EUR 100,000, so the working balance stays inside the EU guarantee.
  • Support runs on chat, phone and email, including a phone line for urgent payment problems.

Cons

  • The €9 monthly fee is the cost rivals skip, with XTB at €0 and AXI Card at €0.
  • Currency conversion costs of 0.8% to 1.8% apply to any payment made outside the euro zone.
  • The account is digital only, so there is no branch counter and no paper trail outside the app.

Who each suits

Paysera

Who it suits

  • Businesses that invoice in several currencies and settle in euro
  • Firms paying suppliers abroad through SEPA transfers
  • Anyone who wants a euro IBAN with no monthly charge

Who should look elsewhere

  • AXI Card Tarjeta y Credito, whose rate is fixed and suits card users rather than multi-currency holders
  • Plazo ES, whose rate is fixed for a fixed term rather than easy access
  • XTB, whose FSCS up to GBP 85,000 sits under a different scheme

Qonto Portugal Business Account

Who it suits

  • Businesses and freelancers, the audiences the account is built for, billing in euros.
  • Companies with customers in several markets, since the account covers from 30 currencies.
  • Finance teams that want deposit cover in the same account they pay suppliers from, under EU DGS up to EUR 100,000.

Who should look elsewhere

  • XTB, when the monthly fee decides it: XTB lists €0 and this account charges €9.
  • AXI Card, for the same reason, with a monthly fee of €0 against €9 here.
  • Skrill, if a wallet balance fits the money flow better than a business account carrying €9 a month and 0.8% to 1.8% on conversion.

Current offers

Qonto Portugal Business Account

Current offer

  • Free trial

    1-month free trial: 1 month free

    Offered on the self-employed Basic, Smart and Premium plans; prices shown are monthly equivalents on an annual plan

    Source, checked September 26, 2026

  • Bonus

    Account remuneration: boosted rate for 2 months: 5% AER for 2 months, then 1.5% AER

    Smart and Premium plans; requires at least 5 eligible transactions per month; balance cap EUR 50,000 (Smart) or EUR 100,000 (Premium)

    Source, checked September 26, 2026

Country by country

Paysera vs Qonto Portugal Business Account
CountryPayseraQonto Portugal Business Account
AlbaniaYesNo
AlgeriaYesNo
ArgentinaYesNo
ArmeniaYesNo
AustraliaYesNo
AzerbaijanYesNo
BahrainYesNo
BangladeshYesNo

8 of 84 countries where either is available.

Questions about each

Paysera

How much does a Paysera account cost each month?+

Account administration is free, and the monthly fee is €0. A charge applies only after a full year with no login or payment, so a quiet account is not billed for the first stretch. There is also a fee per transfer once the free allowance is used up.

What happens to my money if Paysera fails?+

Eligible balances are covered by EU DGS up to EUR 100,000, which is paid by the national deposit guarantee scheme. The licence behind the account is PSD_EMI LT_LT_BL_300060819. Balances held above the guarantee limit sit outside that cover, so larger sums may be worth keeping elsewhere.

Qonto Portugal Business Account

What does the account cost each month?+

The account carries a monthly fee of €9 on the Basic plan. Payment activity adds to it: transfers beyond the included bundle each carry a flat charge. Budget for the fee as the baseline cost of keeping the account open.

What do extra SEPA transfers cost?+

On the Basic plan a bundle of SEPA transfers is included each month, and every transfer after that is charged at a flat rate per transaction. The monthly fee of €9 does not cover extra payment volume, so busy months cost more than the headline price.

Other options to compare

Qonto Portugal Business Account

Visit

Paysera

See alternatives