Updated September 28, 2026 · VaultCue Editorial Team
Qonto Portugal Business Account vs Revolut AU
Qonto Portugal Business Account
Revolut AU
Higher score in this comparison
Where Qonto Portugal Business Account and Revolut AU differ
| Compare | Qonto Portugal Business AccountReviewVisitVisit | Revolut AUReviewVisitVisit |
|---|---|---|
| Monthly fee | €9 | £0 |
| Licence type | Payment institution | E money |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Currency conversion fee | 0.8% to 1.8% | 0% to 1%Lower |
| Currencies | from 30 | 30 |
| Transfer fee | 30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan) | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide |
Same on both: 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
- Revolut AU scores higher overall: 9.1 vs 8.7.
- Founded is lower at Revolut AU: 2015 vs 2017.
- Revolut AU is licensed in 1 more country.
- Revolut AU is available in 31 more countries.
- Currency conversion fee is lower at Revolut AU: 0% to 1% vs 0.8% to 1.8%.
- Support channels: only Qonto Portugal Business Account offers Email.
- Audience: only Qonto Portugal Business Account offers Business.
- Audience: only Revolut AU offers Travelers, Teen.
- Features: only Qonto Portugal Business Account offers Digital only.
- Features: only Revolut AU offers Free ATM, Joint account.
Our verdict on each
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.
Revolut AU
Revolut AU is a fair pick for travellers, freelancers and teens who want many currencies without a monthly charge. It scores 7.6 overall, with an offer part of 9.3 and a cost part of 6.3. The monthly fee is £0 and the currency conversion fee runs 0% to 1%.
Score breakdown
| Area | Qonto Portugal Business Account | Revolut AU |
|---|---|---|
| Cost | 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%. | 9.4HigherMonthly fee of £0 and currency conversion fees of 0% to 1% sit near the site medians of €0 and 0.5%. |
| Offer | 9.5Higher | 9.3Holds 30 currencies, 4% variable savings and free atm and joint account, giving an offer score of 9.3. |
| Trust | 8.3 | 8.6Higher |
Where they rank in our lists
| Ranking | Qonto Portugal Business Account | Revolut AU |
|---|---|---|
| Current and checking accounts | 2 of 885 | 21 of 885 |
| Business bank accounts | 6 of 563 | 22 of 563 |
| Accounts for freelancers | 3 of 130 | 11 of 130 |
Spending 1,000 abroad
Qonto Portugal Business Account
8 to 18
0.8% to 1.8% of 1,000
Revolut AU
0 to 10
0% to 1% of 1,000
Revolut AU comes out 8 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Every fact side by side
| Fact | Qonto Portugal Business Account | Revolut AU |
|---|---|---|
| Audience | Business, Freelancer | Travelers, Freelancer, Teen |
| Pricing model | Not confirmed | No monthly fee, Low FX |
| Features | Digital only | Free ATM, Joint account |
| Legal entity | QONTO | Revolut Payments UAB |
| Headquarters | France | Lithuania |
| Founded | 2017 | 2015Lower |
| Support channels | Chat, Phone, Email, Help centreCovers more | Chat, Help centre, Phone |
Savings
| Fact | Qonto Portugal Business Account | Revolut AU |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | £0 |
| Access terms | Not confirmed | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Account kind | Not confirmed | Easy access |
Money transfer
| Fact | Qonto Portugal Business Account | Revolut AU |
|---|---|---|
| Payout methods | Not confirmed | Bank |
Where each stands against the rest
| Fact | Qonto Portugal Business Account | Revolut AU | Median |
|---|---|---|---|
| Currency conversion fee | 0.8% to 1.8%above the median | 0% to 1%below the median | 0.5 |
| Currencies | from 30highest quarter | 30highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
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.
Revolut AU
Pros
- Monthly fee of £0, ranked 1 of 500 brands on that measure.
- Currencies held number 30, well above the site median of 5 for the set.
- A savings balance paying 4% at a variable rate, against a site median of 3%.
Cons
- Deposit protection is listed as FSCS up to GBP 85,000, and the licence type is e money rather than a bank licence.
- The savings rate is variable, so the 4% figure can move.
- Transfer pricing is uneven: free in SEPA, discounted on paid plans elsewhere, and free on Ultra worldwide.
Who each suits
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.
Revolut AU
Who it suits
- Travellers holding several currencies, one of the audiences in travelers, freelancer and teen.
- Freelancers billing across currencies who want local account details such as iban.
- Teens in travelers, freelancer and teen who want a joint account or free ATM withdrawals.
Who should look elsewhere
- Anyone wanting a bank licence rather than e money cover.
- Skrill, if you want a money transfer service rather than a multi-currency current account.
- XTB, if you want a trading platform with its own fee of €0.
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
| Country | Qonto Portugal Business Account | Revolut AU |
|---|---|---|
| Australia | No | Yes |
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 39 countries where either is available.
Questions about each
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.
Revolut AU
What is the monthly fee on Revolut AU?+
The monthly fee is £0, and the account sits in the no monthly fee and low fx model. It ranks 1 of 500 brands on monthly fee, matching the site median of €0, so nothing is deducted for holding the account.
How much does it cost to change currency?+
Currency conversion costs 0% to 1% across 30 currencies. The upper end of that range sits near the everyday-account maximum of 3.99%, so frequent conversion is the line to watch in the pricing.
Other options to compare
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