Comparison
Relay vs Qonto
A side-by-side look at Relay and Qonto — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Relay
Online business banking and money management.
Relay is a US business banking platform built for Profit First and finance ops — up to 20 checking accounts and 50 debit cards.
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 | Relay | Qonto |
|---|---|---|
| Tagline | Online business banking and money management. | The finance solution that simplifies everything but accounting. |
| Headquarters | Toronto, Canada | Paris, France |
| Founded | 2018 | 2016 |
| Regions | US | EU |
| Card type | Visa debit | Mastercard debit (One, Plus, X, Metal) |
| Pricing | Free Standard; Pro $30/mo. | From €9/mo Basic up to €249/mo Enterprise. |
| Rewards | — | Cashback on premium card tiers. |
| Best for | US small businesses, Bookkeepers | European SMBs, Freelancers, Startups |
| Integrations | QuickBooks, Xero, Gusto | Datev, Sage, Cegid, Pennylane, QuickBooks, Xero |
Relay: pros & cons
- Best for Profit First
- No credit
Qonto: pros & cons
- Fastest-growing EU neobank
- Strong local accounting integrations
- Pan-European reach
- No credit product
- EU-only