Comparison
Wise Business vs Qonto
A side-by-side look at Wise Business and Qonto — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Wise Business
Send, hold and convert money in 40+ currencies.
Wise Business gives companies multi-currency accounts, local banking details in 10 currencies, and debit cards — at the mid-market FX rate.
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 | Wise Business | Qonto |
|---|---|---|
| Tagline | Send, hold and convert money in 40+ currencies. | The finance solution that simplifies everything but accounting. |
| Headquarters | London, UK | Paris, France |
| Founded | 2011 | 2016 |
| Regions | Global, EU, UK, US | EU |
| Card type | Mastercard debit | Mastercard debit (One, Plus, X, Metal) |
| Pricing | One-off setup fee in some markets; usage-based FX. | From €9/mo Basic up to €249/mo Enterprise. |
| Rewards | — | Cashback on premium card tiers. |
| Best for | Cross-border SMBs, Freelancers, Remote-first companies | European SMBs, Freelancers, Startups |
| Integrations | Xero, QuickBooks, FreeAgent, Wave | Datev, Sage, Cegid, Pennylane, QuickBooks, Xero |
Wise Business: pros & cons
- Cheapest FX in market
- Trusted global brand
- No credit
- Limited spend controls
Qonto: pros & cons
- Fastest-growing EU neobank
- Strong local accounting integrations
- Pan-European reach
- No credit product
- EU-only