Comparison
Qonto vs Spendesk
A side-by-side look at Qonto and Spendesk — 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.
Spendesk
The 7-in-1 spend management platform for finance teams.
Spendesk unifies corporate cards, invoice payments, expense claims, approval workflows, budgets and pre-accounting — purpose-built for European mid-market finance teams.
Side-by-side
| Spec | Qonto | Spendesk |
|---|---|---|
| Tagline | The finance solution that simplifies everything but accounting. | The 7-in-1 spend management platform for finance teams. |
| Headquarters | Paris, France | Paris, France |
| Founded | 2016 | 2016 |
| Regions | EU | EU, UK |
| Card type | Mastercard debit (One, Plus, X, Metal) | Prepaid + credit (FR market) |
| Pricing | From €9/mo Basic up to €249/mo Enterprise. | Custom pricing based on users and modules. |
| Rewards | Cashback on premium card tiers. | — |
| Best for | European SMBs, Freelancers, Startups | Mid-market, Multi-entity European groups, Finance teams that need approval workflows |
| Integrations | Datev, Sage, Cegid, Pennylane, QuickBooks, Xero | Datev, Netsuite, Xero, QuickBooks, Sage, Cegid |
Qonto: pros & cons
- Fastest-growing EU neobank
- Strong local accounting integrations
- Pan-European reach
- No credit product
- EU-only
Spendesk: pros & cons
- Workflow depth
- European compliance built-in
- Banking license (Spendesk Financial Services)
- Opaque pricing
- Heavier than Pleo for small teams