Comparison
Pleo vs Qonto
A side-by-side look at Pleo and Qonto — pricing, regions, integrations, pros and cons. Use The AI Recommends if you'd rather have an AI pick for you.
Pleo
Smart company cards for European teams.
Pleo is Europe's leading spend management platform, pairing physical and virtual cards with automated expense reports, invoice management and accounting integrations across 30+ EU/UK markets.
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 | Pleo | Qonto |
|---|---|---|
| Tagline | Smart company cards for European teams. | The finance solution that simplifies everything but accounting. |
| Headquarters | Copenhagen, Denmark | Paris, France |
| Founded | 2015 | 2016 |
| Regions | EU, UK | EU |
| Card type | Prepaid + credit (market dependent) | Mastercard debit (One, Plus, X, Metal) |
| Pricing | Starter free up to 3 users; Essential €45/mo; Advanced €89/mo; Beyond custom. | From €9/mo Basic up to €249/mo Enterprise. |
| Rewards | 1% cashback on Advanced+ in select markets. | Cashback on premium card tiers. |
| Best for | European SMBs, Distributed teams, Companies using Xero/QuickBooks EU | European SMBs, Freelancers, Startups |
| Integrations | Xero, QuickBooks, Sage, Datev, Economic, Visma | Datev, Sage, Cegid, Pennylane, QuickBooks, Xero |
Pleo: pros & cons
- Strong European footprint
- Best-in-class UX
- Local accounting integrations
- Per-user pricing adds up
- Limited US presence
Qonto: pros & cons
- Fastest-growing EU neobank
- Strong local accounting integrations
- Pan-European reach
- No credit product
- EU-only