Comparison
Penta vs Qonto
A side-by-side look at Penta and Qonto — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Penta
The digital business account for German SMEs.
Penta is a German business banking platform offering accounts, Mastercard cards and accounting integrations.
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 | Penta | Qonto |
|---|---|---|
| Tagline | The digital business account for German SMEs. | The finance solution that simplifies everything but accounting. |
| Headquarters | Berlin, Germany | Paris, France |
| Founded | 2017 | 2016 |
| Regions | EU | EU |
| Card type | Mastercard debit | Mastercard debit (One, Plus, X, Metal) |
| Pricing | From €9/mo Starter to €79/mo Enterprise. | From €9/mo Basic up to €249/mo Enterprise. |
| Rewards | — | Cashback on premium card tiers. |
| Best for | German SMEs | European SMBs, Freelancers, Startups |
| Integrations | Datev, Xero, Lexoffice | Datev, Sage, Cegid, Pennylane, QuickBooks, Xero |
Penta: pros & cons
- German market specialist
- DACH-only
Qonto: pros & cons
- Fastest-growing EU neobank
- Strong local accounting integrations
- Pan-European reach
- No credit product
- EU-only