Comparison
Brex vs Qonto
A side-by-side look at Brex and Qonto — pricing, regions, integrations, pros and cons. Use The AI Recommends if you'd rather have an AI pick for you.
Brex
The corporate card built for startups and scale-ups.
Brex pairs a charge card with bill pay, travel and global expense tools — designed for venture-backed companies that need fast underwriting based on cash balance, not credit history.
Qonto
The finance solution that simplifies everything but accounting.
Qonto is a European business neobank used by 500k+ businesses across France, Germany, Italy, Spain, Belgium, Netherlands, Austria and Portugal — offering accounts, cards, invoicing and accounting.
Side-by-side
| Spec | Brex | Qonto |
|---|---|---|
| Tagline | The corporate card built for startups and scale-ups. | The finance solution that simplifies everything but accounting. |
| Headquarters | San Francisco, USA | Paris, France |
| Founded | 2017 | 2016 |
| Regions | US | EU |
| Card type | Charge card | Mastercard debit (One, Plus, X, Metal) |
| Pricing | Free base plan; Brex Premium $12/user/mo; Enterprise custom. | From €9/mo Basic up to €249/mo Enterprise. |
| Rewards | Up to 7x points on rideshare, 4x on travel, 3x on dining. | Cashback on premium card tiers. |
| Best for | VC-backed startups, Tech companies, Scale-ups | European SMBs, Freelancers, Startups |
| Integrations | NetSuite, QuickBooks, Xero, Sage Intacct | Datev, Sage, Cegid, Pennylane, QuickBooks, Xero |
Brex: pros & cons
- Strong limits for startups with runway
- Excellent NetSuite integration
- Great UX
- US-only issuance
- Pulled SMB segment in 2022
- Premium tier is paid
Qonto: pros & cons
- Fastest-growing EU neobank
- Strong local accounting integrations
- Pan-European reach
- No credit product
- EU-only