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