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 revolutionise financial management for professionals.
But behind the marketing promises, what are these two platforms really worth? What are the key features on offer? What is the best customer service? And above all: which offers the most suitable bank card, the fairest fees, and the smoothest integration with your management tools?
👉 In this comprehensive comparison, we decipher the offerings of Qonto and Revolut point by point: fees, interface, features, expense management, international transfers, currencies, insurance, and more. Our aim? To help you make the right choice for your profile and your needs.
What is Qonto?
General presentation of Qonto
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 a 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) when managing their business.
You sign up entirely online, in just a few minutes. No unnecessary paperwork, no one to transfer your request three times: this is a banking service designed for today's professionals, who want to get straight to the point.
Qonto's main features
Before going into detail, here's an important point: Qonto offers several plans depending on the size of your business (freelance, team, company). But whatever the plan, the promise remains the same: simplicity, clarity and efficiency.
Here's an overview of the key features that have made Qonto such a success:
- 100% online pro account with French or German IBAN ;
- physical and virtual bank cards (Mastercard), customisable by user;
- real-time expense tracking with automatic categorisation;
- instant SEPA and international transfers in several 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, email, 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 compiled some real user feedback here.
✅ Qonto has carved out a solid place for itself on the market by focusing on user experience and specialisation. Here's what pros like best:
- a clear and 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;
- customisable cards with user-adjustable ceilings;
- a powerful dashboard for monitoring activity and managing finances;
- formulas dedicated to the self-employed, SMEs and start-ups.
❌ But Qonto is not without its limitations. A few sticking points regularly crop up in online reviews:
- no cheque or cash deposits, which can hinder certain businesses ;
- higher monthly fees than some mainstream neobanks ;
- no free offer, unlike Revolut ;
- no credit or authorised overdraft solution yet;
- not always suitable for businesses with a high level of international activity.
What is Revolut?
Overview of Revolut
Revolut started out 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. Its 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: to enable professionals to centralise their transactions, accounts, cards, teams, and even ancillary services such as insurance or subscription management. A global, even glocal, positioning.
Revolut's main features
Before getting into the comparisons, let's lay the foundations. Revolut Business is particularly popular with companies working internationally or in digital-first mode.
Here are the most striking features of Revolut that Qonto does not always offer in the same way:
- multi-currency pro account with interbank exchange rate ;
- virtual and physical bank cards for each 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 categorisation;
- tool for managing authorisations and roles within the team;
- Open API to connect your invoicing or ERP tools;
- access to additional services: crypto exchange, insurance, investments.
Revolut Business
Advantages and disadvantages of Revolut
As we said, Revolut's offering is tailor-made for businesses on the move, juggling several 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 situations:
- ultra-competitive multi-currency management, with real rates;
- a free offer, so you can try it out before committing yourself;
- 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, particularly for e-commerce.
❌ But be warned, Revolut isn't a miracle tool either. Here are the most common criticisms:
- a customer service that is sometimes criticised for being slow (depending on the formula) ;
- an interface that is less clear than Qonto for accounting and non-technical staff;
- limited functionality in the free package;
- a lack of pricing transparency by geographical area;
- no French IBAN: may pose a problem for certain partners or organisations.
Qonto vs Revolut: compare features
Qonto and Revolut Business are in the same league: online banks for professionals. But under the bonnet, 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 + personalised virtual | Physical + instant virtual |
| Multi-currency | Limited | Yes (30+ currencies, interbank rate) |
| International transfers | Yes, with charges | Yes, at low cost |
| Accounting automation | Yes (FR accounting integration) | Basic |
| Expense management | Tracking, receipts, collaborative access | Automatic rules, subscriptions |
| Mobile interface | Simple, intuitive | Highly fluid, for 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 depending on offer |
Focus on expense management
Qonto focuses on clarity and control. Each card :
- can be individually configured,
- with personalised limits,
- with one-click receipts
- with automatic categorisation.
Ideal for tracking mission expenses, team expenses or expense reports.
Revolut also offers advanced management, but with a more automated 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 is crushing the competition , with payments in over 30 currencies and ultra-competitive interbank exchange rates. For companies working with customers or suppliers abroad, this is 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
- integration with Pennylane, QuickBooks, Sage, etc,
- tools designed for collaboration with your chartered accountant.
Revolut offers a few integrations, but lags behind in this area, especially for French businesses looking for a tool that is fiscally compatible with their reality.
The verdict: Qonto is the champion of accounting management made in France.
Qonto vs Revolut: compare prices
Before making up your mind, it's important to weigh up your budgetary needs against the reality of the packages. Qonto offers several pro accounts tailored to French businesses, while Revolut Business has a simple, linear pricing structure designed for international use. Here's an objective comparison to help you see things more clearly.
| 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
|
| Personalised 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 will use every day. Whether you're tracking transactions, managing your cards or working with your team, the interface plays a key role in the user experience.
Both Qonto and Revolut are focusing on a minimalist, modern, 100% digital approach. But their priorities are not quite the same. One focuses on ultra-intuitive simplicity, the other on the power of mobile functionality.
| Criterion | Qonto | Revolut Business |
| Getting started | Immediate, fluid, no training required | Fast, but harder to learn |
| Web interface | Very clear, linear navigation | More technical, full of options |
| Mobile application | Complete, ergonomic, well thought-out | High-performance, mobile-first |
| Customisable dashboards | Basic but effective | Advanced (tags, dynamic filters) |
| Multi-user access | Yes, with simple role management | Yes, more flexible via API and authorisations |
| 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 who are used 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 organisation.
👉 Number of integrations available
- Qonto: ⭐⭐⭐⭐☆
Around thirty well-chosen native integrations: Pennylane, QuickBooks, Sage, Datev, Slack, Notion, Google Sheets, Axonaut, etc. The aim is to streamline financial management, accounting and team collaboration. No frills, but the essentials are there. - Revolut Business: ⭐⭐⭐⭐☆
Around forty integrations announced, with a strong focus on invoicing, e-commerce (Shopify, WooCommerce), payment and automation tools. The open API allows you 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 synchronisations are a breeze. - Revolut Business: ⭐⭐⭐☆☆
Powerful connectors but sometimes more technical to set up, especially when it comes to linking to a custom API or exploiting multi-currency management. The interface remains clear, but you sometimes have to dig into the doc.
👉 Customisation and automation
- Qonto: ⭐⭐⭐☆☆
Integrations trigger simple automations (automatic transfer of receipts, bank reconciliation, expense categorisation). 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 synchronisation 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 means you can create a bespoke system, particularly suited to businesses with a need for more advanced automation or connection to e-commerce tools.
When should you choose Qonto or Revolut?
Still deciding between Qonto and Revolut Business? No problem. On paper, both solutions offer a business account, a payment card, digital banking services and a financial management tool. But in practice, they are not aimed at exactly 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 is well integrated into the local ecosystem.
Choose Qonto if :
- you want a 100% French business account, with a French IBAN ;
- you have outsourced accounting or a French firm (Pennylane, QuickBooks, Sage, etc.);
- you want an interface that's quick and easy to use;
- your team needs personalised 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 centralise your expense management and automate your pre-accounting;
- you prefer a no-surprise solution with clear, fixed charges.
🗣️ Customer testimonial :
There's none of the opacity of traditional banks, where when you send in a question you have to wait weeks for an answer. Qonto makes it easier for us to develop our business on a day-to-day basis, by giving us 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 using the API for customised automation;
- you sell internationally (Shopify, WooCommerce, marketplaces, etc.);
- you prefer an ultra-smooth mobile experience, even for managing everything from your smartphone;
- you want to create virtual cards instantly for your colleagues;
- you're comfortable with customer service mainly in English and a denser interface;
- you want to test a free service before committing to a monthly fee.
🗣️ Customer testimonial :
Revolut Pay is a fast and 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 specialise in international flexibility, others in ultra-personalised customer experience. Here are three solid alternatives to consider.
Wallester
Wallester is a solution that is little known to the general public, but which is nevertheless a genuine 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 penny.
More than a pro account, Wallester is a corporate financial infrastructure: each card can be personalised, linked to a budget or a team, and monitored in real time. Do you want to give a card for advertising campaigns, another for SaaS subscriptions, or for an employee on the move? It's all possible, instantly.
🎯 Designed for tech start-ups, scale-ups, agencies, e-tailers and fast-growing businesses, the platform offers :
- an ultra-complete dashboard, to track expenses in real time, analyse, categorise and assign to budgets ;
- seamless accounting integration with tools such as Xero or QuickBooks;
- an open API for connecting your CRM or accounting software;
- Support for 10 currencies (EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, RON);
- tokenised cards compatible with Apple Pay, Google Pay and Garmin Pay;
- and above 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 organisations with several employees, departments or spending centres.
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 very community-based approach to professional banking.
What makes it special? A system of intelligent sub-accounts, enabling you to organise your money automatically according to your objectives, expenses or teams. You can, for example, allocate a budget to your marketing, VAT or subscriptions... and everything gets divided up without lifting a finger.
🎯 This solution is aimed at international freelancers, ultra-digital solopreneurs, nomadic startups or decentralised teams and offers them:
- quick 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 charges and competitive rates;
- Mastercard physical and virtual cards, including the Metal card;
- an award-winning mobile application, designed for 100% mobile banking;
- eco-friendly features: impact CO₂ tracking, the option to plant 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-style interface. And customer service, which is often chat-based, can lack responsiveness in complex cases.
N26
N26 is the professional version of one of Europe's first neobanks. No frills, just a smooth mobile experience, a Mastercard included, and ultra-low fees, especially for international payments. All with a clear, sober interface, and account opening in just a few minutes.
🎯 Ultra simplified, it's aimed primarily at self-employed entrepreneurs and freelancers who want a free pro account, with no account maintenance fees or unnecessary surcharges. What N26 Business offers:
- a free pro account, with German IBAN (DE) ;
- a Mastercard Business card included, with 0.1% cashback on all purchases;
- free international payments with certain offers;
- an intuitive, minimalist web + mobile interface;
- automatic statistics on spending, sorted by category;
- automatic savings tools via budget 'spaces';
- limited integrations, but easy export of statements for accounting purposes;
- the option of upgrading to the Smart / You / Metal plans for more assurances and benefits.
Good to know: N26 is not suitable for companies with several employees, or for those who need a real financial back office or structured team management.
N26
Qonto or Revolut: our final verdict on making the right choice in 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 out both. Signing up is quick, there's no commitment, and you'll soon see which one suits your business needs best.
FAQ - Qonto vs Revolut
Is Qonto a suitable business account for self-employed people?
Yes, Qonto offers packages specially designed for self-employed 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 offers a free service 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 package.
Can I receive a French IBAN with Revolut?
No. Revolut Business provides a UK 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 organisations.
Does Qonto allow 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 lot of international business, Revolut is more competitive on this point.
Are the two services considered to be real banks?
No. Neither Qonto nor Revolut are banks in the traditional sense, but authorised payment institutions. This means that they do not offer credit or authorised overdrafts (except Revolut for individuals). Their banking service is secure, but limited to managing payments and accounts.
Article translated from French