Qonto vs Revolut: which online bank should you choose for your business in 2025?
Entrepreneurs, freelancers, start-ups and SMEs: choosing the right business account has become a strategic issue. And given the plethora of products and services on the market, two names keep coming up: Qonto and Revolut Business. Two modern, 100% online banking solutions that promise to revolutionize financial management for professionals.
But behind the marketing promises, what are these two platforms really worth? What are the key features on offer? Which offers the best customer service? And above all: which offers the most suitable bank card, the fairest fees, and the smoothest integrations with your management tools?
👉 In this comprehensive comparison, we decipher the offerings of Qonto and Revolut point by point: rates, interface, features, expense management, international transfers, currencies, insurance, and more. Our aim? To help you make the right choice according to your profile and needs.
What is Qonto?
Qonto overview
Qonto is the rising star of online banking for professionals. Designed as an all-in-one financial management tool, Qonto is more than just a business account. It combines bank account, payment card, expense tracking, accounting automation and team management.
🎯 Launched in 2017 in Paris, this 100% digital banking solution targets entrepreneurs, freelancers, VSEs and SMEs who want to save time (and peace of mind) in managing their business.
Registration is done entirely online, in just a few minutes. No needless paperwork, no one to transfer your request three times: this is banking service designed for today's professionals, who want to get straight to the point.
Qonto's main features
Before going into detail, let me make one important point: Qonto offers several plans, depending on the size of your structure (freelancer, team, company). But whatever the plan, the promise remains the same: simplicity, clarity and efficiency.
Here's an overview of the key features that make Qonto so successful:
- 100% online pro account with French or German IBAN ;
- physical and virtual bank cards (Mastercard), customizable by user;
- real-time expense tracking with automatic categorization ;
- instant SEPA and international transfers in multiple currencies ;
- accounting automation: integration with software such as Pennylane, QuickBooks, etc. ;
- multi-user management with roles and permissions (ideal for teams);
- responsive customer support based in France (chat, e-mail, telephone);
- integrated insurance and protection, depending on the package chosen.
Qonto
Advantages and disadvantages of Qonto
Before deciding between Qonto and Revolut, we need to take a close look at what Qonto actually offers... and where it can still improve. Because no solution is perfect, we've listed the real user feedback here.
✅ Qonto has carved out a solid place in the market by focusing on user experience and specialization. Here's what pros like best:
- a clear, intuitive interface, even for the least geeky among us ;
- French customer service with a reputation for responsiveness;
- huge time-savings on accounting management thanks to integrations ;
- ultra-fast account creation, with no hidden charges;
- customizable cards with user-adjustable ceilings;
- a powerful dashboard for monitoring activity and steering finances;
- formulas dedicated to the self-employed, SMEs and start-ups.
❌ But Qonto is not without its limitations. A few sticking points recur regularly in online reviews:
- no cheque or cash deposit, which may hinder certain trades ;
- higher monthly fees than some mainstream neobanks;
- no free offer, unlike Revolut ;
- no authorized credit or overdraft solution yet;
- not always suitable for companies with international operations.
What is Revolut?
Overview of Revolut
Revolut began as an innovative alternative for globetrotting individuals. Available in over 200 countries, Revolut is aimed at those who want a flexible, ultra-connected, forward-looking online bank. The strong point? Multi-currency management, low-cost international payments, and an ultra-fluid mobile experience.
🎯 In recent years, the British unicorn has clearly beefed up its offering with Revolut Business: a solution designed to meet the needs of businesses, freelancers and start-ups operating in an international environment.
Revolut offers an "all-in-one" approach, the idea being clear: enable pros to centralize their transactions, accounts, cards, teams, and even ancillary services such as insurance or subscription management. A global, even glocal, positioning.
Revolut's main functionalities
Before getting into the comparisons, let's lay the groundwork. Revolut Business is particularly popular with companies operating internationally or in digital-first mode.
Here are the most striking features of Revolut, which Qonto does not always offer with the same approach:
- multi-currency pro account with interbank exchange rate ;
- virtual and physical bank cards for every team member;
- fast, low-cost international payments in over 30 currencies;
- automation of recurring or bulk payments (payroll, suppliers, etc.);
- creation of local IBANs according to country of activity;
- pro subscription management and automatic expense categorization;
- team role and authorization management;
- open API to connect your billing or ERP tools;
- access to complementary services: crypto exchange, insurance, investments.
Revolut Business
Advantages and disadvantages of Revolut
As we've said, Revolut's offering is designed for businesses on the move, juggling multiple currencies, partners and markets. But this global orientation has its strengths... and its limitations.
✅ Here's what makes Revolut Business a highly sought-after solution in certain use cases:
- ultra-competitive multi-currency management, with real rates;
- a free offer, making it easy to test before committing;
- simplified, less expensive international payments;
- an ultra-fluid mobile interface, designed for use on the move;
- an open, rich API, ideal for technical profiles;
- instant card creation, even for remote users;
- numerous native integrations, especially for e-commerce.
❌ But be warned, Revolut isn't a miracle tool either. Here are the most frequent criticisms:
- a customer service sometimes criticized for its slowness (depending on the formula) ;
- a less clear interface than Qonto for accounting and non-technical staff;
- limited functionality in the free offer;
- a lack of pricing transparency by geographic zone;
- no French IBAN: may pose a problem for certain partners or organizations.
Qonto vs Revolut: compare functionalities
Qonto and Revolut Business are in the same league: online banks for professionals. But under the hood, their functionalities are designed for sometimes very different uses.
| Functionality | Qonto | Revolut Business |
| Professional account | French IBAN | UK IBAN + local IBAN possible |
| Bank cards | Physical + personalized virtual | Physical + instant virtual |
| Multi-currency | Limited | Yes (30+ currencies, interbank rate) |
| International transfers | Yes, with fees | Yes, at low cost |
| Accounting automation | Yes (FR accounting integrations) | Basic |
| Expense management | Tracking, receipts, collaborative access | Automatic rules, subscriptions |
| Mobile interface | Simple, intuitive | Highly fluid, intensive mobile use |
| Account creation | 100% online, fast | 100% online, fast |
| API & integrations | Good base + accounting tools | Rich, developer-oriented API |
| Customer service | French, responsive | International, variable according to offer |
Focus on expense management
Qonto focuses on clarity and control. Each card :
- can be individually configured,
- with personalized limits,
- with one-click receipts,
- with automatic categorization.
Ideal for tracking mission expenses, team expenses or expense reports.
Revolut also offers advanced management, but with a more automation-oriented approach:
- on-the-fly card creation
- subscription management,
- intelligent alerts.
A good choice for tech teams or highly mobile structures.
💡 Verdict: Qonto is simpler for non-technical teams, Revolut is more powerful on the automation side.
Focus on international payments
This is THE area where Revolut crushes the competition with payments in over 30 currencies, with ultra-competitive interbank exchange rates. For companies working with customers or suppliers abroad, it's a real game changer.
Qonto allows international transfers, but with often higher fees, and without the native multi-currency flexibility.
💡 Verdict: Revolut is clearly superior for international business.
Focus on integrated accounting
Qonto has built an entire ecosystem around automated accounting:
- export of entries,
- integrations with Pennylane, QuickBooks, Sage, etc,
- tools designed for collaboration with your chartered accountant.
Revolut offers a few integrations, but lags behind in this field, especially for French companies looking for a tool that is tax-compatible with their reality.
💡 Verdict: Qonto champions accounting management made in France.
Qonto vs Revolut: compare prices
Before making up your mind, it's time to put your budgetary needs up against the reality of the formulas. Qonto offers several pro accounts tailored to French companies, while Revolut Business adopts a simple, linear pricing structure designed for international use. Here's an objective comparison to give you a clearer picture.
| Plan / Package | Qonto (France, existing) | Revolut Business (EU) |
| Free offer | ❌ | Yes, "Standard" :
|
| Entry-level | " Basic: €9/month
|
" Plus: €3.99/month
|
| Intermediate level | " Smart" : €19/month
|
" Premium: €9.99/month
|
| Advanced package | " Premium: €39/month
|
" Metal: €16.99/month
|
| Top of the range / Enterprise | " Enterprise: €199/month
|
" Ultra": €45/month
|
| Customized plan | On request:
|
Qonto vs Revolut: which interface is the most intuitive?
Choosing a professional online bank also means opting for a management tool that you'll use every day. Whether for tracking transactions, managing cards or collaborating with your team, the interface plays a key role in the user experience.
Both Qonto and Revolut focus on a minimalist, modern, 100% digital approach. But their priorities are not quite the same. One relies on ultra-intuitive simplicity, the other on mobile functional power.
| Criteria | Qonto | Revolut Business |
| Getting started | Immediate, fluid, no training required | Fast, but harder to learn |
| Web interface | Very clear, linear navigation | More technical, rich in options |
| Mobile application | Complete, ergonomic, well thought-out | High-performance, mobile-first thinking |
| Dashboard customization | Basic but effective | Advanced (tags, dynamic filters) |
| Multi-user access | Yes, with simple role management | Yes, more flexible via API and authorizations |
| Notifications | Simple push and email notifications | Intelligent, configurable alerts |
| Mobile availability | iOS, Android - clean design | iOS, Android - denser interface |
🧠 Analysis and recommendations:
- Qonto is clearly designed for VSEs, freelancers or non-technical teams.
- Revolut is perfect for demanding users accustomed to digital tools.
Qonto vs Revolut: compare integrations
The better a solution integrates with your accounting stack, CRM or management tool, the more it becomes a central pillar of your organization.
👉 Number of available integrations
- Qonto: ⭐⭐⭐⭐☆
Some thirty well-chosen native integrations: Pennylane, QuickBooks, Sage, Datev, Slack, Notion, Google Sheets, Axonaut, etc. The aim: to streamline financial management, accounting and team collaboration. No frills, but the essentials are there. - Revolut Business: ⭐⭐⭐⭐☆
Some forty integrations announced, with a strong focus on billing, e-commerce (Shopify, WooCommerce), payment, and automation tools. The open API makes it possible to go further, but requires a slightly more technical team.
👉 Ease of configuration
- Qonto: ⭐⭐⭐⭐☆
The majority of integrations are plug & play, with visual guides, connection in a few clicks, and a non-tech user-oriented approach. Even accounting synchronization is headache-free. - Revolut Business: ⭐⭐⭐☆☆
Powerful connectors, but sometimes more technical to set up, especially when linking to a custom API or exploiting multi-currency management. The interface remains clear, but sometimes you have to dig into the doc.
👉 Customization and automation
- Qonto: ⭐⭐⭐☆☆
Integrations trigger simple automations (automatic receipt transfer, bank reconciliation, expense categorization). No complex automations, but well thought-out connectors for small teams. - Revolut Business: ⭐⭐⭐⭐☆
Thanks to the API, advanced scenarios can be automated: scheduled payments, real-time synchronization with third-party tools, accounting or financial workflows. Well suited to growing start-ups or structures connected to several tools.
💡 Conclusion:
- Qonto focuses on simplicity and relevance, with useful integrations for expense management and accounting that are easy to set up. An excellent choice if you want everything to work without coding.
- Revolut Business, on the other hand, is more modular: its open API makes it possible to create a tailor-made system, particularly suited to businesses with a need for more advanced automation or connection to e-commerce tools.
When to choose Qonto or Revolut?
Still hesitating between Qonto and Revolut Business? Of course. On paper, both solutions offer a pro account, a payment card, digital banking services and a financial management tool. But in practice, they're not exactly aimed at the same type of user.
Here are the typical use cases for each, so you can make an informed choice based on your business and your priorities.
Typical use cases for Qonto
Qonto is the ideal co-pilot for French entrepreneurs, VSEs, early-stage startups and freelancers looking for a clear, intuitive solution that's well integrated into the local ecosystem.
Choose Qonto if :
- you want a 100% French pro account, with a FR IBAN ;
- you have outsourced accounting or a French firm (Pennylane, QuickBooks, Sage...);
- you want an interface that's quick and easy to use;
- your team needs customized maps, without getting lost in the settings;
- you're looking for responsive, accessible customer service in French;
- you make few or no international transactions;
- you want to centralize your expense management and automate your pre-accounting;
- you prefer a no-surprise solution with clear, fixed fees.
🗣️ Customer testimonial :
There's none of the opacity of traditional banks, where when you send in a question, you wait weeks for an answer. Qonto facilitates the day-to-day development of our business, by providing us with answers very quickly, almost instantaneously via chat.
Mohammed El Bojaddaini - Co-fondateur de Curecall
Typical use cases for Revolut
Revolut Business is designed for more international, tech-driven structures with a strong e-commerce component. If you work with several countries or currencies, it's a real game changer.
You should opt for Revolut if :
- your business involves payments or transfers in foreign currencies;
- you want access to competitive interbank exchange rates;
- you have a technical team capable of exploiting the API for customized automation;
- you sell internationally (Shopify, WooCommerce, marketplaces...);
- you prefer an ultra-smooth mobile experience, even for managing everything from your smartphone;
- you want to create e-cards instantly for your collaborators;
- you're comfortable with customer service mainly in English and a denser interface;
- you want to test a free offer before committing to a monthly fee.
🗣️ Customer testimonial :
Revolut Pay is a fast, secure payment option that enhances customer satisfaction. It offers our customers greater flexibility and lower fees than most credit cards.
Fabien Mollinari - Chef de produit Paiements chez Aer Lingus
What are the main alternatives to Qonto and Revolut?
If Qonto and Revolut Business don't fully meet your needs, don't panic: other pro banking solutions exist. Some specialize in international flexibility, others in ultra-personalized customer experience. Here are three solid alternatives to consider.
Wallester
Wallester is a little-known solution for the general public, yet it's a veritable expense management powerhouse for companies with 10 to 500+ employees. And its trump card? A free formula, with no hidden charges, which allows you to issue up to 300 free virtual cards, and an unlimited number of physical cards, without paying a cent.
More than a pro account, Wallester is a corporate financial infrastructure: each card can be personalized, linked to a budget or team, and monitored in real time. Want to give one card for advertising campaigns, another for SaaS subscriptions, or for an employee on the move? It's all possible, instantly.
🎯 Designed for tech startups, scale-ups, agencies, e-tailers or fast-growing companies, the platform offers:
- an ultra-complete dashboard, to track expenses in real time, analyze, categorize and assign to budgets ;
- seamless accounting integration with tools such as Xero or QuickBooks ;
- an open API to connect your CRM or accounting software;
- support for 10 currencies (EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, RON);
- tokenized cards compatible with Apple Pay, Google Pay, Garmin Pay ;
- and best of all: no top-up, transaction, usage, issuing or user addition fees.
But beware, Wallester may be too powerful or too structured for a solo freelancer or micro-business. The platform shines in organizations with several collaborators, departments or spending hubs.
Wallester
bunq
bunq is the Dutch neobank that does nothing like the others. Designed for modern entrepreneurs, digital nomads and agile teams, it combines a fluid user experience, native multi-currency management and a highly community-oriented approach to professional banking.
What makes it special? A system of intelligent sub-accounts, which automatically organize your money according to your objectives, expenses or teams. You can, for example, allocate a budget to your marketing, VAT or subscriptions... and it's all divided up without lifting a finger.
🎯 This solution targets international freelancers, ultra-digital solopreneurs, nomadic startups or decentralized teams and offers them:
- fast opening of a pro account with IBAN NL, DE, FR or IE (subject to availability) ;
- multiple accounts (up to 25) to separate budgets, teams or projects;
- payments in 16 currencies with no hidden fees and competitive rates;
- physical and virtual Mastercard cards, including Metal ;
- an award-winning mobile application, designed for 100% mobile banking;
- eco-friendly features: impact CO₂ tracking, the possibility of planting trees with every spend ;
- simple automations (e.g.: recurring transfer, automatic allocation rule) ;
- integrations with tools such as Zapier, Slack, Xero or bunq Webhooks.
However, bunq's highly "flexible" approach may unsettle those looking for a structured, Qonto-type interface. And customer service, often via chat, may lack responsiveness in complex cases.
N26
N26 is the business version of one of Europe's first neobanks. No frills, but a smooth mobile experience, Mastercard included, and ultra-low fees, especially for international payments. All with a clear, sober interface, and account opening in minutes.
🎯 Ultra simplified, it's aimed primarily at self-entrepreneurs and freelancers who want a free pro account, with no account-keeping fees or unnecessary surcharges. What N26 Business offers:
- a free pro account, with German IBAN (DE) ;
- Mastercard Business included, with 0.1% cashback on all purchases;
- free international payments in certain offers;
- intuitive, minimalist web + mobile interface;
- automatic spending statistics, sorted by category;
- automatic savings tools via budget "spaces";
- limited integrations, but easy export of statements for accounting purposes;
- the possibility of upgrading to Smart / You / Metal plans for even more assurances and benefits.
Good to know: N26 is not suitable for companies with several employees, nor for those who need a real financial back-office or structured team management.
N26
Qonto or Revolut: our final verdict on the best choice for 2025
As we've seen, between Qonto and Revolut Business, there's no absolute "best" solution... but a better choice depending on your priorities.
👉 Do you want a French pro account that's easy to manage, with responsive customer support, a clear interface and accounting integrations designed for VSEs, SMEs or freelancers?
Qonto is for you.
👉 Do you work internationally, juggling currencies, international payments, APIs, and want an advanced mobile experience with a free offer to boot?
Revolut Business is the obvious choice.
Our advice is to try both. Signing up is quick, with no commitment, and you'll soon see which one best suits your business needs.
FAQ - Qonto vs Revolut
Is Qonto a suitable pro account for auto-entrepreneurs?
Yes, Qonto offers formulas specially designed for auto-entrepreneurs and freelancers. Opening a pro account is quick, 100% online, with a bank card included and simple financial management tools to track expenses.
Is Revolut Business free for businesses?
Yes, unlike Qonto, Revolut has a free offer for professionals. It includes a multi-currency pro account, virtual payment cards and access to the mobile interface. Ideal for testing before investing in a paying offer.
Can I get a French IBAN with Revolut?
No. Revolut Business provides a British (GB) IBAN by default, but it is possible to obtain a local European IBAN in certain countries (such as Germany or Lithuania). Please note: for some French companies, this may complicate transfers or relations with certain organizations.
Does Qonto support international transfers?
Yes. Qonto offers the possibility of making international transfers to many countries, but the charges are generally higher than those of Revolut. If you have a high level of international activity, Revolut remains more competitive on this point.
Are both services considered real banks?
No. Neither Qonto nor Revolut are banks in the traditional sense, but licensed payment institutions. This means they don't offer credit or authorized overdrafts (except Revolut for retail customers). Their banking services are secure, but limited to payment and account management.
Article translated from French