My top 3 Qonto alternatives
By Frédéric Laffont, Chief Technology Officer
Revolut Business
When I am looking for a business account that is similar to Qonto, but allows for greater movement across borders, I use Revolut Business. In addition to issuing both physical and virtual corporate cards, I have the ability to keep card controls on as well as make purchases in over 150 different currencies. For my payout needs, Grow and Scale allow me to do batch transfers (bulk), as well as add custom approval steps for spends and expenses, which will enable me to send contractor payments through an approval process instead of "the person who currently holds the company card". The $39.99/mo Grow plan and $149.99/mo Scale plan are very comparable to small teams or finance led operations respectively.”
Mercury
Mercury clicks for me when the workflow is “US startup banking + finance ops,” not “European IBAN hub.” The Plus plan ($29.90/mo) adds recurring invoices, an invoicing API capped at 500 invoices/month, and reimbursements for up to 20 users/month (+$5 per extra active user). Pro ($299/mo) is the jump I associate with NetSuite-heavy teams because it adds a relationship manager and NetSuite categorizations, plus reimbursements up to 250 active users.
Spendesk
Spendesk is where I go when the real pain isn’t “having a business account,” it’s “stopping messy spend before it hits accounting.” I can set Spend Control rules, run invoice management & payment with approval workflows, and rely on OCR to extract receipt fields instead of chasing PDFs. The model is also operationally concrete: 100 transactions/month are included, and each extra 100 transactions is priced as an add-on (€50/£50). Multi-entity support is capped at 3 entities, with extra entities priced at €100/£100.
List of Alternatives to Qonto
Here are some of Qonto's top competitors in the Accounting category: Revolut Business, Mercury, Spendesk or Shine.
Business account and company cards
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Get deal for freeWith Revolut Business, you can manage your business finances without any headaches. Pro account, company cards, transfers, expenses, everything is done online in a few clicks.
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Open banking
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Online transfers and payments
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Subscriptions
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Expenses
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Business integrations
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Cards
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Multi-currency accounts
Basic
From €10/monthGrow
From €30/monthScale
From €90/monthEnterprise
Custom pricingChester Kozey
Flexible API-Driven Automation for Payouts & Bookkeeping
Revolut Business has been a good fit for our consulting company because we can separate spending by team and keep tight control over limits
July 7, 2026
Why is Revolut Business a good alternative to Qonto?
Revolut Business is the alternative I pick for teams that are constantly switching currencies or paying internationally, because the product exposes the “limits that matter” directly in the plan grid. When I’m budgeting operations, I can map expected payment volume to allowances (e.g., no‑fee local transfers scaling up to 1,000 and no‑fee international transfers scaling up to 25). For a finance lead, the presence of custom spend & expense approvals and account permissions on paid tiers is the practical difference between “cards everywhere” and a controlled process. For an ops-heavy startup, the Business API on Grow/Scale is a real unlock because it’s the point where you can stop doing manual exports for every workflow you automate. I also like that subscription fees are explicit (Grow $39.99/mo, Scale $149.99/mo), so I can decide if I’m buying convenience or just paying for higher allowances.
What are the differences between Revolut Business and Qonto?
Qonto is typically an “all-in-one business account + finance tools” bundle where you can bolt on major modules as add-ons (e.g., Accounts Receivable, Accounts Payable, and Expense & Spend Management are priced separately). Revolut Business feels more like a multi-currency operating layer: the plan table explicitly ties value to allowances and controls (e.g., no‑fee local transfers scale from 10 to 100 to 1,000, and no‑fee international transfers from 0 to 5 to 25, depending on plan). On the US pricing side, Revolut’s subscription fees are spelled out at $0 (Basic), $39.99 (Grow), and $149.99 (Scale). If I’m optimizing for FX/transfer volume plus spend approvals and an included Business API, Revolut wins; if I’m optimizing for a bank-like “single EU account plus modular finance add-ons,” Qonto’s structure is closer.
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Get deal for freeMercury provides an online banking experience built with startups and small businesses in mind. Instead of dealing with outdated banking systems, founders get an intuitive platform that makes managing company finances easier. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
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Dedicated relationship management
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Cashback rewards
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Enhanced FDIC insurance coverage
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Powerful online business banking
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Reimbursement management
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Unlimited invoice generation
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Seamless accounting integrations
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Unlimited bill pay
Mercury
$0 (Freemium)Mercury Plus
$35 / monthMercury Pro
$350 / monthKacey Leannon
Fast Setup, Strong Team Management
We switched to Mercury mainly for the speed of account opening, but what kept us there was how simple it is to manage multiple users, issue virtual cards, and keep a clear view of cash coming in and out
July 5, 2026
Why is Mercury a good alternative to Qonto?
Mercury is the one I recommend to a US-based founder or controller who wants banking plus operational finance workflows without stitching together three separate tools. If I’m sending invoices, Plus gives me recurring invoices and an invoicing API (500 invoices/month), and it even pins a concrete ACH debit cost ($1/transaction) so I can predict fees on collections. If I’m managing reimbursements at any real headcount, the built-in thresholds (Plus includes reimbursements for 20 users/month; Pro scales that to 250 active users) are exactly the kind of constraint that forces clean policy design. I also like the plan-gated clarity: recurring invoice series are Pro-only, so I know which tier I need before I redesign billing operations around the feature. If your “Qonto need” is really about invoicing + bill pay + accounting automation rather than EU-style business account infrastructure, Mercury is a very direct fit.
What are the differences between Mercury and Qonto?
Qonto’s pricing story is plan + add-ons (with published add-on monthly pricing for AR/AP/Expense & Spend Management). Mercury is organized as “free banking essentials” plus paid workflow layers: Mercury is $0/mo; Plus is $29.90/mo and adds invoicing mechanics like ACH debit on invoices ($1/transaction), recurring invoices, and an invoicing API (500 invoices/month). Mercury Pro is $299/mo and is positioned around operational complexity (relationship manager, larger reimbursable headcount, deeper accounting automation). Even the invoicing UI has plan-gated behavior: recurring invoice series are Pro-only. So in practice, I treat Mercury as “banking + bill pay/invoicing/reimbursements as configurable workflows,” whereas I treat Qonto as “business banking + finance suite with optional add-on packs.”
Control your company's expenses by centralizing payment cards, expense reports, supplier invoices and pre-accounting tasks in one place.
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Easy expenses
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Company cards
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Spend control
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Approval workflow
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Multi-currency support
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Integrations
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Receipt management
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Real-time insights
Scale
Contact salesEssentials
Book a demoStarter
Book a demoDouglas D
Flexible Spending Limits: Empowering Organizational Control with Spendesk
I appreciate the flexibility that Spendesk offers, allowing us to set specific spending limits for different departments in our organization
October 22, 2024
Why is Spendesk a good alternative to Qonto?
Spendesk is my pick for a finance/ops team that already has banking handled but keeps losing time (and control) on approvals, receipts, and invoice routing. I like that invoice management & payment is treated as a first-class workflow with centralization, approval steps, supplier management, and OCR extraction, because that’s what reduces the “Slack me the invoice” chaos. The transaction-based packaging is also operationally useful: 100 transactions/month included, then €50/£50 per extra 100 transactions, which makes it easy to forecast cost as purchasing volume grows. Multi-entity is opinionated too (max 3 entities; extra entities priced at €100/£100), which is a good forcing function if I’m trying to keep structure clean across subsidiaries. If you’re using Qonto mostly for “spend controls + payables hygiene,” Spendesk can be the sharper tool for that specific job.
What are the differences between Spendesk and Qonto?
Qonto and Spendesk overlap on “cards + spend visibility,” but they’re built with different centers of gravity. Qonto is the account itself, and then you add modules (AR/AP/Expense) depending on how far you want to push the finance stack. Spendesk is a spend + payables control plane: it’s explicitly designed around invoice management & payment (digitalization, centralization, approval workflows), supplier management, credit note management, and OCR extraction for receipts/invoices. The pricing mechanics are also different: Spendesk includes 100 transactions/month and charges for additional blocks of 100 transactions, and it prices multi-entity as a paid expansion beyond the first entity (up to a max of 3). If I need an actual bank account replacement, I start with Qonto; if I need tighter approvals, invoice routing, and transaction-governed controls that can sit alongside an existing bank, I start with Spendesk.
Shine simplifies the management of your business with a pro account that integrates accounting and billing tools, and allows you to take out business loans at preferred rates.
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Integrated billing tool
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Business loans
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Keep your finances in check with the easy-to-use budgeting tools
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Stay on top of your finances from anywhere
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Get expert financial advice without breaking the bank
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Bank cards
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100% online pro account
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Simplified accounting
Basic
$8 / monthPremium
$15 / monthBusiness
$28 / monthOmar Blick
All-in-One Recognition Hub
What I like most about Shine is that it brings recognition, incentives, and internal engagement into one place, so we are not juggling three separate tools anymore, and the reporting has helped us spot teams that were being overlooked
July 7, 2026
What's the difference between Shine and Qonto?
See the full comparison between Qonto & Shine
Revolut Business is an online account for professionals. Multi-currency, it allows you to easily trade internationally. Thanks to its comprehensive and easy-to-use features, this internet banking account is suitable for all types of businesses.
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Secure your financial transactions
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Enjoy the benefits of automation
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Customise your payment approvals
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A high-performance multi-currency account
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Save time with accounting integrations
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Centralize and track your financial flows
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Get paid faster with Revolut Invoices
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Issue corporate cards to your team
Free
Grow
$25 / monthScale
$100 / monthSen. Mose Abernathy
Fast FX, Trackable Transfers & Family Junior Accounts
One thing Revolut gets right is speed. Currency exchange is fast, bank transfers are easy to track, and setting spending limits on cards takes seconds. I also like the junior account option for families, although setup took me a little longer than expected. Still, it’s one of the few finance apps I’ve kept using regularly
July 7, 2026
What's the difference between Revolut and Qonto?
See the full comparison between Qonto & Revolut
All-in-one financial management solution
4.5/5
(47)
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9 months free on the HR plan
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9 months free on the HR plan
Get dealThe Every platform supports founders in the management of their company’s finances. From accounting to treasury to HR, Every offers complete functionalities to help you optimize your financial management.
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Benefit from HR support
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Hire and pay your employees
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Outsource your accounting management
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Make your corporate cash flow grow
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Get your daily actions done, fast
Banking & Treasury
FreeHR, Payroll & Benefits
$25 / user / monthBookkeping & Tax
$150 / monthJosiah Dickinson
Consistent Onboarding Every Time
Every has been a good fit for our remote team because leave requests, contract updates, and employee documents are easy to manage without endless spreadsheets. It is the kind of tool that quietly removes admin headaches rather than trying to reinvent everything
July 6, 2026
Expensify is an expense management solution that helps streamline the way you handle your financial transactions. With Expensify, you can easily track expenses, capture receipts, and manage reports, all in one user-friendly platform.
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Corporate card reconciliation
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Multi-currency support
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Mileage tracking
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Integration with accounting software
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Policy compliance checks
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Receipt scanning
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Credit card integration
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Automated expense reports
Collect
$5 / user / monthControl
$9 / user / monthCynthia Rodriguez
Utilized Expensify for my NY Trip
I used Expensify for my job interview trip to NY. All my expenses including airfare, meals, hotel, Airbnb, and car transportation were managed through my Expensify account. I was reimbursed the next day after my trip as all my expenditures were transparent to my prospective employer.
August 18, 2024
Happay brings value by providing an expense management solution that streamlines and automates the entire expense reporting process for businesses, resulting in increased efficiency, accuracy, and cost savings.
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Corporate cards
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Real-time dashboard for better visibility
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Robust security features
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Corporate card
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Spend control
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Approval workflow
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Rules-based workflow
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Seamless integration with accounting software
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Expense management made easy
Logan
Efficient Digital Storage: Simplifying Receipt Management with Happay
I find the digital storage feature on Happay very useful, it has eliminated the need for physical storage of receipts and made retrieval much easier.
August 11, 2024
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Get deal for freeRamp is a corporate spend management platform that combines cards, expense tracking, accounts payable, and accounting automation into one system, helping you control spending and close books faster with less manual work.
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Accounts payable automation
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Procurement and intake management
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Corporate cards with built-in controls
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AI-powered expense management
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Accounting automation and ERP sync
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Ramp intelligence insights
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Treasury and cash management
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Travel booking with policy enforcement
Free
$0 (Freemium)Enterprise
Custom pricingPlus
$15 / user / monthJeffrey G
Quick and Easy to Use
I find Ramp to be fast and it allows direct transfers with the bank without the intervention of third parties. It's also easy for beginners starting in cryptocurrency transactions.
October 21, 2024
SAP Concur provides a comprehensive set of travel, expense, and invoice management solutions to help businesses streamline their financial processes, increase compliance and control, and gain visibility and insights into their spending.
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Multi-language
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Categorization/Grouping
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Single sign on
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Stay compliant
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Expense claims
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Go mobile
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Streamline travel
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Gain insights
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Automate your expense management
Joseph Davis
Exploring the Strengths and Weaknesses of SAP Concur
Overall, I'm fairly satisfied with SAP Concur. I don't travel often, so the time it takes to book and report expenses is bearable. As an admin, setting up new users can be complicated and I can't do it without notes, but this could be more related to my company's policies than the software itself. Reimbursing expenses is simple and practical. However, the online booking feature can be time-consuming. When I select flights and try to book, another screen appears with alternative flights, which extends the process.
October 13, 2024
Paylocity is a leading provider of cloud-based payroll and human capital management (HCM) solutions. Their platform offers businesses a range of comprehensive tools and features to streamline and automate payroll processes, manage employee data, track time and attendance, handle benefits administration, and much more.
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Engage your employees
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Compliance made easy
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Automate everything
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Go mobile
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Data-driven insights
Emma F
Effortless Employee Empowerment: Paylocity's User-Friendly Self-Service Portal
The self-service portal of Paylocity is user-friendly and allows employees to manage their personal information, benefits, and time-off requests independently
October 19, 2024
Rippling is an online tool to simplify the management of your business. This platform centralizes human resources, information technology and finance in one place. Optimize your processes, save time and improve your profitability.
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Improve the profitability of your business
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Expand your business globally
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Discover a unified workplace platform
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Streamline your HR processes
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Simplify your IT management
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Manage your employees, wherever they are
Melanie Weissnat DVM
All-in-One Onboarding, Benefits & Access
We originally signed up after getting a few free months through Joinsecret, and while that was a nice bonus, what kept us was how cleanly Rippling handled onboarding checklists, benefits, and software access in one place
July 7, 2026
Optimize your accounting and invoicing management with ease.
4.4/5
(56)
Redeemed by 909 members
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30% off for 6 months
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30% off for 6 months
Get deal for freeQuickbooks is a software that will allow you to manage your accounting quickly and easily. Record your expenses with simple photos, analyze your cash flow, manage your unpaid bills, and many other tasks that will simplify your accounting life.
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Access all your data on a single platform
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Keep your accounts up to date efficiently
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Monitor your performance
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Automate your tax calculations
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Adapt your billing to your needs
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Monitor your cash flow and forecasts
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Digitize all your expenses
Simple Start
$35 / monthEssentials
$65 / monthPlus
$99 / monthAdvanced
$235 / monthFredricka Smitham
Stronger Reporting With Class Tracking and VAT
We moved to QuickBooks from a more basic invoicing tool, and the difference in reporting is noticeable. Class tracking has been useful for seeing which part of the business is actually profitable, and the VAT handling is better than I expected. I found a 6-month discount through Joinsecret when signing up, which was a nice bonus but not really the main reason we stayed
July 7, 2026
Stripe is a payment solution for ecommerce websites. It can be easily integrated to your website or app, and allows you to accept your customers' payments.
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Payment analytics and reporting
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Payment processing
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Fraud prevention
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International expansion
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Customizable checkout
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Subscription billing
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Developer-friendly APIs
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Subsidiary services
Standard (Pay-As-You-Go)
2.9% + $0.30 per successful card chargeEnterprise
Custom pricingKacey O'Reilly Ret.
Easy Refunds, Clear Disputes & Sigma Reporting
We switched from a more rigid processor and the difference was immediate: refunds are easy to issue, disputes are clearly laid out, and Sigma has been helpful for quick SQL-based reporting when finance needs answers fast
July 6, 2026
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