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

Qonto Portugal Business Account vs VaultLeap

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

Qonto Portugal Business Account

8.7/10
Visit
VaultLeap

VaultLeap

Higher score in this comparison

9.1/10
See alternatives

What sets them apart

Qonto Portugal Business Account vs VaultLeap
CompareQonto Portugal Business AccountQonto Portugal Business AccountReviewVisitVisitVaultLeapVaultLeapReviewSee alternativesSee alternatives
Monthly fee€9$0
Currency conversion fee0.8% to 1.8%0.5%Lower
Currenciesfrom 303
Local account detailsIBANIBAN, Us ACHCovers more
Transfer fee30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan)0.75% Standard, 0.45% Pro, 0.00% Zero up to $40k/mo then 0.55%
Licence typePayment institutionNot confirmed
Deposit protectionEU DGS up to EUR 100,000Not confirmed

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

  • VaultLeap scores higher overall: 9.1 vs 8.7.
  • Currency conversion fee is lower at VaultLeap: 0.5% vs 0.8% to 1.8%.
  • Local account details: only VaultLeap offers Us ACH.
  • Support channels: only Qonto Portugal Business Account offers Chat, Phone.
  • Audience: only VaultLeap offers Expats.

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.

Read the full Qonto Portugal Business Account review

VaultLeap

VaultLeap suits freelancers, business owners and expats who move money across borders and want cheap conversion. It scores 4.8 overall, with a cost score of 5.8 and no monthly fee at $0. Its weak point is choice, at 3 currencies.

Read the full VaultLeap review

Score breakdown

Qonto Portugal Business Account vs VaultLeap
AreaQonto Portugal Business AccountVaultLeap
Cost8.5It charges a monthly fee of €9 where €0 is the norm on the site, offset by conversion fees of 0.8% to 1.8%.9.2HigherNo monthly fee at $0, tiered transfer fees that fall on the higher tier, and currency conversion at 0.5%.
Offer9.5Higher9.0Covers 3 currencies with local details on iban and us ach, aimed at expats, business and freelancer.
Trust8.3Not confirmed

Spending 1,000 abroad

Qonto Portugal Business Account

8 to 18

0.8% to 1.8% of 1,000

VaultLeap

5

0.5% of 1,000

VaultLeap comes out 3 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.

Where each is licensed and available

Qonto Portugal Business Account vs VaultLeap
CountryQonto Portugal Business AccountVaultLeap
France
FR_ACPR PSD_PI FR_ACPR!68677
Not confirmed

If neither fits

eToro has currency conversion fee at 0%, against 0.8% to 1.8% for Qonto Portugal Business Account and 0.5% for VaultLeap.

eToro review

How they place

Qonto Portugal Business Account vs VaultLeap
RankingQonto Portugal Business AccountVaultLeap
Business bank accounts6 of 563129 of 563
Accounts for freelancers3 of 13036 of 130

Every fact side by side

Qonto Portugal Business Account vs VaultLeap
FactQonto Portugal Business AccountVaultLeap
AudienceBusiness, FreelancerExpats, Business, FreelancerCovers more
Pricing modelNot confirmedNo monthly fee, Low FX
FeaturesDigital onlyNot confirmed
Legal entityQONTOKlydo, Inc.
HeadquartersFranceUnited States
Founded2017Not confirmed
Support channelsChat, Phone, Email, Help centreCovers moreEmail, Help centre

Money transfer

Qonto Portugal Business Account vs VaultLeap
FactQonto Portugal Business AccountVaultLeap
Exchange rate markupNot confirmed0.5%
Delivery timeNot confirmedSame-day ACH, SEPA in hours, on-chain in minutes
Payout methodsNot confirmedBank, Wallet, Card

Where each stands against the rest

Qonto Portugal Business Account vs VaultLeap
FactQonto Portugal Business AccountVaultLeapMedian
Currency conversion fee0.8% to 1.8%above the median0.5%at the median0.5
Currenciesfrom 30highest quarter3below the median5

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.

VaultLeap

Pros

  • The monthly fee is $0, so holding the account costs nothing while Same-day ACH, SEPA in hours, on-chain in minutes.
  • Currency conversion is priced at 0.5%, which sits alongside the 0.5% charged across the site.
  • Transfer fees fall on the higher tier, and a further plan waives them inside a monthly allowance before its own rate applies above it.

Cons

  • The currency list is short at 3 against a site median of 5, so it suits single market pairs more than broad currency lists.
  • Support runs on email and help centre only, and a live chat line or phone line is not part of that list for time sensitive payment problems.
  • The exchange rate markup is 0.5%, which sits above the 2.75% figure typical on the site, so the headline conversion cost is not the whole cost.

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.

VaultLeap

Who it suits

  • Freelancers billing clients in another currency who need fast payment collection
  • Business owners paying overseas suppliers and contractors
  • Expats who send money home and receive salary into local details

Who should look elsewhere

  • Anyone who needs a long currency list, since it offers 3 currencies
  • Skrill, if you want a wider currency set than 3
  • Plazo ES, if you would rather hold euro balances than move money for a fee

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

VaultLeap

Current offer

  • Bonus

    Card activation bonus: 5,000 Tier Points

    One-time on first VaultLeap Visa Card activation; no cash value, points only set tier status; funded by Klydo, Inc.

    Source, checked September 26, 2026

Country by country

Qonto Portugal Business Account vs VaultLeap
CountryQonto Portugal Business AccountVaultLeap
AustriaYesNo
BelgiumYesNo
FranceYesNo
GermanyYesNo
ItalyYesNo
NetherlandsYesNo
PortugalYesNo
SpainYesNo

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.

VaultLeap

Does VaultLeap charge a monthly fee?+

The monthly fee is $0, so the account itself costs nothing to keep. The costs sit on the transaction side instead: tiered transfer fees, and conversion at 0.5%. The site median monthly fee is €0, so this is the common setup rather than an exception.

What does a transfer cost on VaultLeap?+

Transfer fees are tiered by account type. The entry tier charges the highest rate, a middle tier charges less, and another plan waives transfer fees inside a monthly volume allowance before charging its own rate above it. So regular senders pay less per transfer on a higher tier, and lighter senders can avoid the transfer fee entirely by staying inside the allowance.

Other options to compare

Qonto Portugal Business Account

Visit

VaultLeap

See alternatives