Qonto alternatives
Revolut Business vs Qonto
Both Qonto and Revolut Business offer invoicing and accounting tools for European businesses. Additionally, Revolut Business provides multi-currency accounts, payment acceptance at scale, and no-fee transfer allowances. Explore them both to find the best fit for your business.
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Powering hundreds of thousands of leading businesses
Comparing Qonto and Revolut Business features
We've compared Qonto's Smart plan with our Grow plan, based on information available on Qonto's website as of 1 April 2025. This table doesn't include all features of Revolut Business or Qonto. Please visit Qonto's website for more information so you can make the right choice for your business. See the FAQs for a list of our sources.
Monthly subscription
Currency exchange fees
Send international transfers
Receive international transfers
Physical cards
Virtual cards
One-time use virtual cards
Metal cards
Currencies you can keep in your account
Local account details
Interbank exchange rate
FX Forwards
Individual payments
Online and in-person sales
Integrate your accounting apps and software
Other integrations
API
Automatic invoice processing
Support
Licensed bank
Company Creation
¹Within plan allowance. Interbank rate applies during market hours. Weekend fees may apply. See example currency exchange fees.
² See outside of allowance transfer fees and exceptions.
³See our payment acceptance fees.
⁴Revolut Bank UAB is licensed by the European Central Bank and regulated by the Bank of Lithuania, with a branch in France regulated by the ACPR.
Grow your operations
Revolut Business gives you the tools you need to scale, no matter your company’s size or location:
- Add unlimited team members to your Business account, and issue them up to 3 physical cards each
- Give employees role-based account access — so they can spend when they need to, while you stay secure
- Decide who can spend what and where with customisable spend controls
- Receive, hold, and exchange 25+ currencies
- Get unlimited no-cost incoming transfers in GBP, EUR, USD, and CHF
Fees and T&Cs apply. Role-based account access and custom spend controls available on Grow, Scale, and Enterprise plans. Expenses available for an additional fee on all plans.
Join Revolut Business
Power your checkout with Revolut Business
Qonto and Revolut Business both offer card payment terminals, while Revolut Business also lets you accept online payments at scale, alongside a range of helpful tools to build a better checkout experience.
Payment acceptance fees apply.
| Provide a smooth online checkout | Give customers a seamless online checkout experience with our Payment Gateway. Offer a range of payment methods, including Revolut Pay, which lets 55+ million global Revolut customers pay with a single tap. | |
| Use Revolut Reader for card payments | Accept in-person payments from credit and debit cards, Apple Pay, or Google Pay in seconds — then track card sales and revenue with Analytics. Use Revolut Reader with our Revolut POS system for total control over all things sales. | |
| Make online payments fast and easy | Take payments on platforms like Shopify, BigCommerce, and more with our no-code plugins. Take Visa, Mastercard, Maestro, and mobile wallet payments. | |
| Unlock fraud protection and chargeback support | Our advanced monitoring systems and fraud experts protect you from suspicious transactions. We'll support you with chargebacks, and refund chargeback fees if you win a dispute. |
Revolut Secure
Your money, protected
Businesses worldwide trust us to look after their money. Keep yours secure with our proactive defences, and personalise your settings to stay in control at all times.
See what our customers say
Pablo Feu, Managing Director • Paloma Wool“Revolut Business improved our currency exchange rates and allowed us to charge customers in local currencies, improving their buying experience.”
Fabien Mollinari, Payments Product Manager • Aer Lingus“Revolut Pay is a fast and secure payment option which improves customer satisfaction. It gives our customers flexibility and offers lower fees than most credit cards.”
Arthur Edson, Head of Finance • Wild“We don’t have to consider any financial logistics any more. For us, using Revolut Business is a no-brainer. Everything is so straightforward.”
Built for business
Revolut Business gives you the tools your business needs to thrive at home and internationally, from payment acceptance at scale to borderless multi-currency accounts. Pick a plan that suits you and get started today.
Basic
From €10/month Get the essentials to run your business.
Grow
From €30/month Unlock the tools you need to manage spend worry-free.
Scale
From €90/month Access higher allowances to expand globally.
Enterprise
Custom Create the plan that fits your exact needs.
Any questions?
Revolut Business vs Qonto FAQs
Qonto offers a range of features suited to businesses operating in Europe, including:
- cards for team spending
- invoice processing tools
- a wide range of integrations
- support via phone and email
Revolut Business also offers cards, invoicing, phone and email support, and multiple integrations — plus a whole suite of tools including:
- a bill payments solution
- additional features for selling products online
- multi-currency accounts
- the power to send and receive transfers inside and outside the SEPA zone
We encourage you to do your own research to decide which option is best for your business. We do not provide financial advice.
Qonto doesn't offer a solution for online payments, or a merchant account. They do offer card readers via their partners (availability varies by country), and allow you to make sales in-person with a small fee per transaction.
Revolut Business offers a range of payment acceptance tools, including a merchant account, to help power your checkout online and in-person. This includes:
- Revolut Pay for online checkouts
- Revolut Reader for in-person payments
- Revolut Point of Sale (POS) app for iPad, and more
Check out our full range of payment acceptance tools.
See our rates for payment acceptance.Qonto offers limited free SEPA transfers (the amount depends on your chosen plan), and instant transfers to other Qonto users. A €0.40 fee is added to any SEPA transfers you make over your allowance.
Qonto also charges a 1% fee for all outgoing transfers and a €5 fee for receiving transfers outside the SEPA zone.
Revolut Business offers free international transfers within your plan allowance, as well as unlimited instant transfers to other Revolut Business accounts.
We don't charge any additional fees for non-SEPA transfers, or for receiving international transfers.
Qonto offers local IBANs to businesses registered in France, Germany, Spain, and Italy. So, if you sign up for Qonto in France, you’ll receive a French IBAN.
With Revolut Business, you can get multiple IBANs with our borderless, multi-currency accounts. We offer local IBANs in France, Ireland, Spain, and the Netherlands for businesses registered in those countries — local IBANs can help you simplify your tax payments, and make it easier to make and receive payments in that country.
For businesses registered in other countries, we provide a Lithuanian IBAN, which offers the same convenience as a local IBAN when sending and receiving payments in EUR. Plus, you'll get local account details for GBP and USD, making it simple to receive payments from the UK and the US.
Qonto offers 24/7 support via phone, online chat, and email.
Revolut Business offers an in-app chat, as well as our Help Centre resources. If you sign up for our Enterprise plan, we provide a dedicated account manager to give you personalised support.
We’ve checked the information provided on Qonto’s website as of 1 April 2025, compared to our own offering from Revolut Business. Check out the Qonto website in your region to see their full product range and make an informed decision for your business.
The above information applies to business accounts for Qonto and Revolut Business.
The comparative data is based on information obtained directly from Qonto via their website as of 1 April 2025, ensuring its accuracy and reliability. While this comparison serves as a reference, it is the customer's responsibility to evaluate the option that best suits their needs.
For more information, see Qonto's website