Alternatives12 options · updated 26 October 2026

Qonto alternatives

Qonto is a popular choice for small businesses and freelancers in Europe. But it is not the only option. Here are 12 other business banking & neobanks tools and what each one does best.

The original

Qonto

Business account for European SMEs and freelancers, with cards, invoicing, expense management and bookkeeping tools.

Read about Qonto →

12 alternatives to Qonto

Listed alphabetically.

Qonto vs. the alternatives

ToolBest forPricingAvailable in
QontoSmall businesses and freelancers in EuropePaidEU
AirwallexCompanies selling and paying globallyFree planGlobal
BluevineUS small businesses that want interest on their balanceFree planUS
LiliUS freelancers who want tax help built inFree planUS
MercuryUS startups and tech companiesFree planUS
Monzo BusinessUK sole traders who already like MonzoFree planUK
N26 BusinessEuropean freelancers and sole tradersFree planEU
NovoUS freelancers and very small businessesFree planUS
RelayUS small businesses that budget with multiple accountsFree planUS
Revolut BusinessBusinesses that trade in several currenciesFree planUK, EU, US and more
Starling BusinessUK small businesses that want a full bankFreeUK
TideUK sole traders and small companiesFree planUK, India, Germany
Wise BusinessBusinesses paying or getting paid internationallyPay as you goGlobal

How to choose

  • Who holds the deposits and whether they are covered by a deposit guarantee scheme.
  • Fees for international transfers and currency exchange.
  • Integrations with your accounting tool.
  • Whether your business type and country are accepted.

Head-to-head

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