Comparison
Qonto vs Brex
A side-by-side look at Qonto and Brex — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
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.
Brex
The corporate card built for startups and scale-ups.
Brex pairs a charge card with bill pay, travel and global expense tools — designed for venture-backed companies that need fast underwriting based on cash balance, not credit history.
Side-by-side
| Spec | Qonto | Brex |
|---|---|---|
| Tagline | The finance solution that simplifies everything but accounting. | The corporate card built for startups and scale-ups. |
| Headquarters | Paris, France | San Francisco, USA |
| Founded | 2016 | 2017 |
| Regions | EU | US |
| Card type | Mastercard debit (One, Plus, X, Metal) | Charge card |
| Pricing | From €9/mo Basic up to €249/mo Enterprise. | Free base plan; Brex Premium $12/user/mo; Enterprise custom. |
| Rewards | Cashback on premium card tiers. | Up to 7x points on rideshare, 4x on travel, 3x on dining. |
| Best for | European SMBs, Freelancers, Startups | VC-backed startups, Tech companies, Scale-ups |
| Integrations | Datev, Sage, Cegid, Pennylane, QuickBooks, Xero | NetSuite, QuickBooks, Xero, Sage Intacct |
Qonto: pros & cons
- Fastest-growing EU neobank
- Strong local accounting integrations
- Pan-European reach
- No credit product
- EU-only
Brex: pros & cons
- Strong limits for startups with runway
- Excellent NetSuite integration
- Great UX
- US-only issuance
- Pulled SMB segment in 2022
- Premium tier is paid