Comparison
Novo vs Qonto
A side-by-side look at Novo and Qonto — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Novo
Business banking for entrepreneurs.
Novo is a US small business banking platform with integrations to Stripe, Shopify, QuickBooks and more.
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 | Novo | Qonto |
|---|---|---|
| Tagline | Business banking for entrepreneurs. | The finance solution that simplifies everything but accounting. |
| Headquarters | New York, USA | Paris, France |
| Founded | 2016 | 2016 |
| Regions | US | EU |
| Card type | Mastercard debit | Mastercard debit (One, Plus, X, Metal) |
| Pricing | Free. | From €9/mo Basic up to €249/mo Enterprise. |
| Rewards | — | Cashback on premium card tiers. |
| Best for | US small businesses, Freelancers | European SMBs, Freelancers, Startups |
| Integrations | QuickBooks, Xero, Shopify, Stripe | Datev, Sage, Cegid, Pennylane, QuickBooks, Xero |
Novo: pros & cons
- Truly free
- No credit
Qonto: pros & cons
- Fastest-growing EU neobank
- Strong local accounting integrations
- Pan-European reach
- No credit product
- EU-only