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Updated September 28, 2026 · VaultCue Editorial Team

Qonto vs Wealthfront

Qonto scores 8.7 and Wealthfront 9.1 out of 10. Compare their differences and shared features below.
Qonto

Qonto

8.7/10
Visit
Wealthfront

Wealthfront

Higher score in this comparison

9.1/10
See alternatives

What sets them apart

Qonto vs Wealthfront
CompareQontoQontoReviewVisitVisitWealthfrontWealthfrontReviewSee alternativesSee alternatives
Headline rate1.5%3.55% to 4.45%Higher
Minimum deposit€0$0
Deposit protectionEU DGS up to EUR 100,000FDIC up to USD 250,000
Access termsInstant 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 monthFree 24/7 instant withdrawals, withdraw any time with no fees
Monthly fee€19$0

Same on both: Rate type (Variable), Account kind (Cash management).

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

  • Wealthfront scores higher overall: 9.1 vs 8.7.
  • Founded is lower at Wealthfront: 2011 vs 2017.
  • Qonto is available in 7 more countries.
  • Headline rate is higher at Wealthfront: 3.55% to 4.45% vs 1.5%.
  • 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.

Read the full Qonto review

Wealthfront

Wealthfront suits US savers who want their cash to earn a variable rate of 3.55% to 4.45% while staying instantly accessible. The account runs as a cash management product, so money can move in and out at any time, and deposits are covered by FDIC up to USD 250,000.

Read the full Wealthfront review

Score breakdown

Qonto vs Wealthfront
AreaQontoWealthfront
Cost8.8A monthly fee of €19 on the standard plan and a minimum deposit of €0, against a site median of €09.3HigherA monthly fee of $0 and a minimum deposit of $0 mean opening and holding the account costs nothing.
Offer9.1Headline rate of 1.5% is variable and sits at 350 of 4739.2Higher
Trust8.38.8Higher

Availability and regulation

Qonto vs Wealthfront
CountryQontoWealthfront
France
FR_ACPR PSD_PI FR_ACPR!68677
Not confirmed
United StatesNot confirmed
SIPC SIPC member 68534

Additional countries for Qonto: 8. Additional countries for Wealthfront: 1.

Where they rank in our lists

Qonto vs Wealthfront
RankingQontoWealthfront
Current and checking accounts1 of 88592 of 885
Savings accounts8 of 1420311 of 1420
Cash management accounts3 of 4510 of 45

Also worth a look

Finom has headline rate at 5%, against 1.5% for Qonto and 3.55% to 4.45% for Wealthfront.

Finom review

Sources behind this comparison

Qonto

  • qonto.com: 9 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 2 facts, checked September 26, 2026

Wealthfront

  • wealthfront.com: 10 facts, checked September 26, 2026
  • reports.adviserinfo.sec.gov: 1 fact, checked September 26, 2026
  • sipc.org: 1 fact, checked September 26, 2026

Every fact side by side

Qonto vs Wealthfront
FactQontoWealthfront
Pricing modelNot confirmedNo monthly fee
Legal entityQONTOWEALTHFRONT BROKERAGE LLC
HeadquartersFranceUnited States
Founded20172011Lower
Support channelsChat, Phone, Email, Help centreCovers moreEmail, Phone, Help centre

Everyday accounts

Qonto vs Wealthfront
FactQontoWealthfront
Licence typePayment institutionNot confirmed
Currency conversion fee0.8% to 1.8%Not confirmed
Currenciesfrom 30Not confirmed
AudienceBusiness, FreelancerNot confirmed
FeaturesDigital onlyFree ATM, Joint account
Local account detailsIBANUs ACH
Free ATM withdrawalsNot confirmed$15
Transfer fee30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan)No charge by Wealthfront; some receiving institutions may impose an RTP or FedNow fee

Where each stands against the rest

Qonto vs Wealthfront
FactQontoWealthfrontMedian
Headline rate1.5%lowest quarter3.55% to 4.45%above the median3.25%

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

Wealthfront

Pros

  • A variable rate of 3.55% to 4.45% with no term to commit to
  • Instant withdrawals at any time with no charge, plus free ATM withdrawals with an allowance of $15
  • Deposits are covered by FDIC up to USD 250,000 and cash is held by WEALTHFRONT BROKERAGE LLC

Cons

  • The rate type is variable, so the 3.55% to 4.45% band can move with market rates
  • Transfers run on the local details listed as us ach, so funding is set up around US bank transfers
  • Support runs on email, phone and help centre, and live chat is not among them

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

Wealthfront

Who it suits

  • US savers who want a variable rate and same-day access rather than a fixed term
  • Households holding a joint account, one of the listed features alongside free ATM withdrawals
  • Anyone who wants to hold cash without a monthly charge, since the monthly fee is $0

Who should look elsewhere

  • Colombian readers, where PayPal Colombia lists a headline rate of 3.3% on a wallet balance
  • Readers after card-linked rates, such as AXI Card Tarjeta y Credito at 21.59% or Plazo ES at 24.19%
  • Anyone wanting a term deposit or a fixed rate, since the account is a cash management product with a variable rate

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

Wealthfront

Current offer

  • Bonus

    3-month APY boost for new Cash Account clients: +0.65% APY for 3 months on up to $150,000

    New clients funding a Cash Account; boost applies for 3 months on up to a $150,000 balance; base APY 3.55% as of 09/18/2026; terms apply

    Source, checked September 26, 2026

  • Bonus

    Ongoing APY increase for clients who invest and deposit monthly: +0.25% APY ongoing

    Clients who fund any investing account and make a monthly direct deposit of $1,000 or recurring deposits of $2,500 into any account; boost capped at $150,000 balance

    Source, checked September 26, 2026

Country by country

Qonto vs Wealthfront
CountryQontoWealthfront
AustriaYesNo
BelgiumYesNo
FranceYesNo
GermanyYesNo
ItalyYesNo
NetherlandsYesNo
PortugalYesNo
SpainYesNo

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.

Wealthfront

What rate does Wealthfront pay on cash?+

Wealthfront pays a variable rate of 3.55% to 4.45% on cash balances, with a variable rate type rather than a fixed one. There is no term to commit to and no balance threshold, since the minimum deposit is $0.

What does it cost to keep a Wealthfront account open?+

The monthly fee is $0 and the account runs on the no monthly fee model, so there is nothing to pay each month. Withdrawals can be made at any time at no charge, and ATM withdrawals are free with an allowance of $15.

Other options to compare

Qonto

Visit

Wealthfront

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