Comparison
Navan vs Qonto
A side-by-side look at Navan and Qonto — pricing, regions, integrations, pros and cons. Use The AI Recommends if you'd rather have an AI pick for you.
Navan
Travel and expense, reimagined.
Navan (formerly TripActions) combines a corporate travel platform with Navan Expense and Navan Liquid corporate cards — all running on a single rewards-driven booking engine.
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 | Navan | Qonto |
|---|---|---|
| Tagline | Travel and expense, reimagined. | The finance solution that simplifies everything but accounting. |
| Headquarters | Palo Alto, USA | Paris, France |
| Founded | 2015 | 2016 |
| Regions | US, EU, UK, Global | EU |
| Card type | Charge card | Mastercard debit (One, Plus, X, Metal) |
| Pricing | Travel free for many SMBs; Expense + cards priced per user. | From €9/mo Basic up to €249/mo Enterprise. |
| Rewards | Travel rewards via Navan Rewards. | Cashback on premium card tiers. |
| Best for | Companies with heavy travel, Mid-market, Global teams | European SMBs, Freelancers, Startups |
| Integrations | NetSuite, QuickBooks, Sage Intacct, Workday, SAP | Datev, Sage, Cegid, Pennylane, QuickBooks, Xero |
Navan: pros & cons
- Best-in-class travel product
- True global card issuance
- Strong rewards
- Expense module is younger than travel
- Pricing varies by deal
Qonto: pros & cons
- Fastest-growing EU neobank
- Strong local accounting integrations
- Pan-European reach
- No credit product
- EU-only