Updated September 28, 2026 · VaultCue Editorial Team
Qonto vs Standard Chartered Bangladesh
Qonto
Standard Chartered Bangladesh
Higher score in this comparison
Qonto vs Standard Chartered Bangladesh: the differences
| Compare | QontoReviewVisitVisit | Standard Chartered BangladeshReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | €0 | BDT 0 |
| Access terms | 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 | Debit card with zero fee, no cheque book, no counter transactions, interest credited monthly on any balance |
| Monthly fee | €19 | BDT 0 |
| Account kind | Cash management | Easy access |
| Headline rate | 1.5% | Not confirmed |
Same on both: Rate type (Variable), Deposit protection (EU DGS up to EUR 100,000).
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
- Standard Chartered Bangladesh scores higher overall: 9.6 vs 8.7.
- Founded is lower at Standard Chartered Bangladesh: 1905 vs 2017.
- Qonto is available in 7 more countries.
- Support channels: only Qonto offers Chat.
Our verdict on each
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.
Standard Chartered Bangladesh
Standard Chartered Bangladesh pairs a current account charging a BDT 0 monthly fee with easy access savings from BDT 0, which suits residents, expats and freelancers who want plain everyday banking in Bangladesh. Inward remittances are No fee on inward remittances and the interest rate is variable, with support on email, phone and help centre.
Score breakdown
| Area | Qonto | Standard Chartered Bangladesh |
|---|---|---|
| Cost | 8.8A monthly fee of €19 on the standard plan and a minimum deposit of €0, against a site median of €0 | Not confirmed |
| Offer | 9.1Headline rate of 1.5% is variable and sits at 350 of 473 | 9.2Higher |
| Trust | 8.3 | 9.9Higher |
How they place
| Ranking | Qonto | Standard Chartered Bangladesh |
|---|---|---|
| Savings accounts | 8 of 1420 | 60 of 1420 |
| Business bank accounts | 5 of 563 | 26 of 563 |
| Accounts for freelancers | 2 of 130 | 14 of 130 |
Availability and regulation
| Country | Qonto | Standard Chartered Bangladesh |
|---|---|---|
| France | FR_ACPR PSD_PI FR_ACPR!68677 | Not confirmed |
Additional countries for Qonto: 8. Additional countries for Standard Chartered Bangladesh: 1.
Where these facts come from
Qonto
- qonto.com: 9 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Standard Chartered Bangladesh
- sc.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Qonto | Standard Chartered Bangladesh |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee |
| Legal entity | QONTO | Standard Chartered Bank |
| Headquarters | France | Bangladesh |
| Founded | 2017 | 1905Lower |
| Support channels | Chat, Phone, Email, Help centreCovers more | Email, Phone, Help centre |
Everyday accounts
| Fact | Qonto | Standard Chartered Bangladesh |
|---|---|---|
| Licence type | Payment institution | Not confirmed |
| Currency conversion fee | 0.8% to 1.8% | Not confirmed |
| Currencies | from 30 | Not confirmed |
| Audience | Business, Freelancer | Expats, Travelers, Business, Freelancer, StudentCovers more |
| Features | Digital only | Not confirmed |
| Local account details | IBAN | Not confirmed |
| Transfer fee | 30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan) | No fee on inward remittances |
Money transfer
| Fact | Qonto | Standard Chartered Bangladesh |
|---|---|---|
| Payout methods | Not confirmed | Bank |
| Fee to send 1,000 | Not confirmed | BDT 0 |
Where each stands against the rest
| Fact | Qonto | Standard Chartered Bangladesh | Median |
|---|---|---|---|
| Headline rate | 1.5%lowest quarter | Not confirmed | 3.25% |
Median across 658 listed accounts.
Pros and cons
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
Standard Chartered Bangladesh
Pros
- The current account charges a monthly fee of BDT 0, which matches the €0 median for everyday accounts and fits the no monthly fee model.
- Savings start from a minimum deposit of BDT 0 and pay a variable rate, the type used across 78.9% of this group.
- Inward remittances are No fee on inward remittances, with the transfer fee amount at BDT 0.
Cons
- The interest rate is variable, so the return on a savings balance can move with the bank's pricing rather than being held for a term.
- Withdrawals pay out to bank only, so there is no cash payout listed alongside the bank transfer.
Who each suits
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
Standard Chartered Bangladesh
Who it suits
- Expats and travelers in Bangladesh who want a BDT 0 monthly fee on a current account
- Freelancers and small businesses receiving money from abroad, where No fee on inward remittances
- Students or savers wanting easy access savings from a BDT 0 minimum deposit
Who should look elsewhere
- PayPal Colombia, because its monthly fee is $0 as well, so cost alone will not separate the two
- Plazo ES, whose monthly fee is €0 too, so the deciding factors are the variable rate and the bank account rather than the monthly charge
Current offers
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 | Qonto | Standard Chartered Bangladesh |
|---|---|---|
| Austria | Yes | No |
| Bangladesh | No | Yes |
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Portugal | Yes | No |
8 of 9 countries where either is available.
Questions about each
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.
Standard Chartered Bangladesh
What does it cost to hold an account here?+
The current account charges a monthly fee of BDT 0, and the bank is listed under the no monthly fee model. The savings account asks for a minimum deposit of BDT 0. The access terms describe a debit card at no charge, so there is no card fee to budget for.
Is my money protected?+
Deposit protection is listed as EU DGS up to EUR 100,000, which is the only cover stated for the account. The legal entity is Standard Chartered Bank, based in Bangladesh and trading since 1905, and savings sit in an easy access account.
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Related by the facts
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Standard Chartered Bangladesh