Updated September 29, 2026 · VaultCue Editorial Team
Qonto Portugal Business Account vs Revolut UK
Qonto Portugal Business Account
Revolut UK
Higher score in this comparison
What sets them apart
| Compare | Qonto Portugal Business AccountReviewVisitVisit | Revolut UKReviewVisitVisit |
|---|---|---|
| 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).
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Key differences
- Revolut UK scores higher overall: 9.0 vs 8.7.
- Founded is lower at Revolut UK: 2015 vs 2017.
- Revolut UK is licensed in 2 more countries.
- Currency conversion fee is lower at Revolut UK: 0% to 1% vs 0.8% to 1.8%.
- Audience: only Qonto Portugal Business Account offers Business.
- Audience: only Revolut UK offers Travelers, Teen.
- Features: only Qonto Portugal Business Account offers Digital only.
- Features: only Revolut UK 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 UK
Revolut UK's savings account suits savers who want easy access to their money and no monthly charge: the easy-access balance pays 4% on a variable rate, each deposit is covered by FSCS up to GBP 85,000, and the account kind is easy access so nothing is locked away for a term.
Score breakdown
| Area | Qonto Portugal Business Account | Revolut UK |
|---|---|---|
| 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%. | 9.3HigherA monthly fee of £0, a minimum deposit of £0 and a plan conversion fee that runs 0% to 1%. |
| Offer | 9.5 | 9.6HigherThe listed features are free atm and joint account, and the app holds 30 currencies in total. |
| Trust | 8.3 | 8.5Higher |
From lowest to highest
| Fact | Qonto Portugal Business Account | Revolut UK |
|---|---|---|
| Currency conversion fee | 0.8% to 1.8% | 0% to 1% |
Positions in our rankings
| Ranking | Qonto Portugal Business Account | Revolut UK |
|---|---|---|
| Current and checking accounts | 2 of 885 | 22 of 885 |
| Business bank accounts | 6 of 563 | 23 of 563 |
| Accounts for freelancers | 3 of 130 | 12 of 130 |
Availability and regulation
| Country | Qonto Portugal Business Account | Revolut UK |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| France | FR_ACPR PSD_PI FR_ACPR!68677 | Not confirmed |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| United Kingdom | Not confirmed |
Spending 1,000 abroad
Qonto Portugal Business Account
8 to 18
0.8% to 1.8% of 1,000
Revolut UK
0 to 10
0% to 1% of 1,000
Revolut UK 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 UK |
|---|---|---|
| Audience | Business, Freelancer | Travelers, Freelancer, Teen |
| Pricing model | Not confirmed | No monthly fee |
| 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 centre | Chat, Phone, Help centre, Email |
Where each stands against the rest
| Fact | Qonto Portugal Business Account | Revolut UK | 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 UK
Pros
- Access is instant in the app, with fee-free withdrawals and no withdrawal limits.
- Support runs on chat, phone and help centre, so a phone call or email is possible when the app is not enough.
- Regulated in the UK and in Europe: the account is run by Revolut Payments UAB, founded in 2015 and headquartered in Lithuania.
Cons
- The rate type is variable, so the 4% can move and nothing is fixed for a set period.
- The savings sit with a savings deposit partner rather than the brand itself, and the account licence type is e money.
- On headline rate the account ranks at 142 of 473 brands compared, so the return is competitive rather than exceptional.
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 UK
Who it suits
- Savers who want instant app access and no charge for holding the balance, rather than a card and credit deal such as AXI Card Tarjeta y Credito at 21.59%.
- Travelers, freelancers and teens, the audience named in travelers, freelancer and teen, who want 30 currencies and a conversion fee that runs 0% to 1%.
- Anyone starting out with a wallet, since PayPal Colombia is the listed alternative at 3.3% and this balance pays 4% with iban details.
Who should look elsewhere
- Savers shopping on the headline rate alone: the listed alternative Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%, both far above the 4% paid here.
- People who need the return fixed for a set period, since the rate type is variable and the balance is easy-access by design.
- Customers who want the deposits held by the brand itself: the account licence type is e money and the savings sit with a savings deposit partner, a different structure from the listed wallet alternative PayPal Colombia at 3.3%.
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 UK |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Portugal | Yes | No |
| Spain | Yes | No |
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 UK
What rate does the Revolut savings account pay?+
The easy-access balance pays a headline rate of 4%, and the rate type is variable, so the return can move with the market. Nothing has to be locked away for a term, and the account kind is easy access, so interest is credited on the balance you keep.
Is there a monthly fee or a minimum deposit?+
The monthly fee is £0 and the minimum deposit is £0, so the account can be opened with nothing in it and left open without a charge. The model is listed as no monthly fee, and 91.7% of the accounts compared run the same way.
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