Comparison
Holvi vs Qonto
A side-by-side look at Holvi and Qonto — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Holvi
Business account for freelancers and small business owners.
Holvi is a Nordic business account with invoicing, bookkeeping and cards — popular with freelancers in Finland, Germany and Austria.
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 | Holvi | Qonto |
|---|---|---|
| Tagline | Business account for freelancers and small business owners. | The finance solution that simplifies everything but accounting. |
| Headquarters | Helsinki, Finland | Paris, France |
| Founded | 2011 | 2016 |
| Regions | EU | EU |
| Card type | Mastercard debit | Mastercard debit (One, Plus, X, Metal) |
| Pricing | From €9/mo Lite to €29/mo Pro. | From €9/mo Basic up to €249/mo Enterprise. |
| Rewards | — | Cashback on premium card tiers. |
| Best for | Freelancers, Micro-businesses | European SMBs, Freelancers, Startups |
| Integrations | Xero, Holvi Books | Datev, Sage, Cegid, Pennylane, QuickBooks, Xero |
Holvi: pros & cons
- Built for solopreneurs
- Limited country footprint
Qonto: pros & cons
- Fastest-growing EU neobank
- Strong local accounting integrations
- Pan-European reach
- No credit product
- EU-only