Alternatives · Spend & Bills
Qonto alternatives
As of Nov 13, 2026, the best Qonto alternative for most people is Airwallex (3.2 GPA), second in our ranking of spend and bill pay tools. It's also the best free one.
Qonto compared with 8 alternatives: Pleo, Spendesk, Payhawk, Moss, Airwallex and 3 more.
Qonto is a paid product with a free trial, starting at €9 per month excl. VAT, billed annually. 3 of the 8 alternatives are free or have a free plan.
Listings checked up to Nov 13, 2026 · Where the facts come from
Black Friday: is there a Qonto sale?
At a glance
| Tool | Price | Free plan | Runs on |
|---|---|---|---|
| QontoThis tool | Free trial · from €9/mo | Trial only | Web |
| Pleo | From $12/mo | No | Web, iOS, Android |
| Spendesk | Paid | No | Web, iOS, Android |
| Payhawk | Paid | No | Web, iOS |
| Moss | Paid | No | Web |
| Airwallex | Free plan · from $12/mo | Yes | Web, iOS, Android |
| Capital on Tap | Free plan · from £299/yr | Yes | Web, iOS, Android |
| Mooncard | Paid | No | Web, iOS, Android |
| Statrys | Free plan | Yes | Web, iOS, Android |
Price against what you get
Qonto starts at about $10.05 a month and scores 2.0 out of 4 on features, ease of use and platforms. None of the 3 alternatives on this chart both scores higher and starts lower.
Pleo, Airwallex and Capital on Tap score higher without starting lower.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
How each one differs from Qonto
Pleo
Company spending cards and expense reports from Copenhagen
- Pleo starts at $12 per user / month, billed yearly ($14 billed monthly).
- Pleo also lists iOS and Android apps.
- Pleo does not cover invoicing, which Qonto does.
Suits: Small teams that want a card for every employee
Spendesk
Spend management with unlimited cards and users, priced by quote
- Spendesk also lists iOS and Android apps.
- Spendesk also covers bill pay.
- Spendesk does not cover invoicing, which Qonto does.
Suits: European companies that want unlimited cards and users for one fee
Payhawk
Cards, expenses, payables and travel in one spend platform
- Payhawk also lists an iOS app.
- Payhawk also covers workflow automation and bill pay.
- Payhawk does not cover invoicing, which Qonto does.
Suits: European finance teams that want cards and expenses in one tool
Moss
Corporate cards, reimbursements and payables for EU companies
- Moss also covers workflow automation and bill pay.
- Moss does not cover invoicing, which Qonto does.
Suits: Companies in Germany and nearby EU markets that want cards and AP together
Airwallex
Multi-currency business accounts, cards, bill pay and expenses
- Airwallex starts at $12 per Spend user / month, plus a platform fee based on team size.
- Airwallex has a free plan, which Qonto lacks.
- Airwallex also lists iOS and Android apps.
- Airwallex also covers bill pay.
Suits: Businesses that pay suppliers or staff in other countries
Capital on Tap
Business credit card with built-in expense tracking for UK firms
- Capital on Tap starts at £299 per year, billed annually (Pro); Free tier £0 per year.
- Capital on Tap has a free plan, which Qonto lacks.
- Capital on Tap also lists iOS and Android apps.
- Capital on Tap also covers reports.
- Capital on Tap does not cover invoicing, which Qonto does.
Suits: UK small businesses that want a credit card with free employee cards
Mooncard
Company payment cards with expense reports and accounting exports
- Mooncard also lists iOS and Android apps.
- Mooncard also covers reports.
- Mooncard does not cover invoicing, which Qonto does.
Suits: French companies that want cards and expense reports in one place
Statrys
Multi-currency business account with accounting and company setup
- Statrys starts at HKD 891 per month and up (Accounting).
- Statrys has a free plan, which Qonto lacks.
- Statrys also lists iOS and Android apps.
- Statrys also covers bookkeeping.
- Statrys does not cover invoicing, which Qonto does.
Suits: Hong Kong and Asia-focused businesses that pay suppliers in several currencies
Limits worth knowing in Qonto
- Prices are in euros, excluding VAT, and the page shows monthly equivalents of annual plans; monthly billing exists but its prices were not shown.
- The country picker lists France, Germany, Spain, Italy, Austria, Belgium, Portugal and the Netherlands, so it is not for US-only businesses.
- Extra transfers cost €0.20 each beyond the monthly allowance on Basic and Smart, and extra virtual cards cost €1 to €2 a month.
- Incoming SWIFT transfers above €500 cost €5, and outgoing standard-currency international transfers cost 0.8% (min. €5) on Basic and Smart.
Common questions
What are the alternatives to Qonto?
The alternatives to Qonto in this directory are Pleo, Spendesk, Payhawk, Moss, Airwallex, Capital on Tap, Mooncard and Statrys. Each one has a side-by-side comparison with Qonto.
Is there a free alternative to Qonto?
Yes. Airwallex, Capital on Tap and Statrys have a free plan alongside paid ones.
Which Qonto alternatives work on Android?
The Qonto listing does not include an Android app. Pleo, Spendesk, Airwallex, Capital on Tap, Mooncard and Statrys list one.
Which Qonto alternatives work on iOS?
The Qonto listing does not include an iOS app. Pleo, Spendesk, Payhawk, Airwallex, Capital on Tap, Mooncard and Statrys list one.
When were these prices checked?
Each listing shows its own date. On this page they run from Oct 18, 2026 to Nov 13, 2026. Vendors change prices without notice, so confirm on their site before you buy.