Capital on Tap vs Qonto (2026): which should you pick?
As of Nov 13, 2026, Capital on Tap grades higher than Qonto: 2.6 against 2.0 out of 4.0.
Checked Nov 13, 2026 · graded Nov 13, 2026 by ToolGPA
Capital on Tap grades higher on value for money, the free plan and platforms. They get the same grade on features and ease of use.
Price, platforms and features side by side. The table says where each price was read and when.
Capital on Tap
Business credit card with built-in expense tracking for UK firms
Qonto
European business account with cards, transfers and invoicing
Which one is for you
Pick Capital on Tap if
- Fits if you want a UK business card with free employee cards and cashback
- Works for small firms that sync card spending into Xero, QuickBooks or Sage
Look elsewhere if
- Not for you if you are refused credit, because the card needs approval and a credit check
- Pricey if you carry a balance: rates start at 14.13% APR (variable)
- Skip it if you want a separate expense-report tool, as expense features sit on the card
- Watch out: Pro costs £299 a year, and Avios convert at 10 points to 8 on Free against 1 to 1 on Pro
- Watch out: the page we read is the UK site; a US version is linked but was not read
Pick Qonto if
- Fits if you run a company in France, Germany, Spain, Italy, Austria, Belgium, Portugal or the Netherlands
- Works for small teams that want account, cards and invoices in one place
Look elsewhere if
- Skip it if you run a US-only business, because the country picker lists only those European countries
- Tight if you do many transfers: past the monthly allowance each costs €0.20 on Basic and Smart
- Pricey if you send money abroad, with 0.8% (min. €5) on outgoing standard-currency international transfers on Basic and Smart
- Watch out: prices are in euros excl. VAT, and monthly billing prices were not shown
- Watch out: extra virtual cards cost €1 to €2 a month, and incoming SWIFT above €500 costs €5
How we grade them
| 2.6GPACapital on TapGood | 2.0GPAQontoFair | |
|---|---|---|
| Value for money | BThe Free tier has no annual fee and Pro is £299 a year. Free sits well under what expense tools cost, though the card itself carries interest from 14.13% APR. | CBasic is €9 a month excl. VAT billed annually (€108 a year), Smart €19 and Premium €39. Roughly $10 for the entry plan sits just above the cheaper quarter of expense tools, which starts at $8.99. |
| Free plan and trial | BFree is £0 a year, with unlimited employee cards, 1% cashback and no foreign exchange fees. You still need a credit check to get the card. | CA one-month trial on Basic, Smart and Premium, with no free plan. The page we read does not say whether a card is needed. |
| Features | CEmployee and virtual cards, accounting sync, receipts in the app, spending limits and roles. There is no separate expense-report tool; the features hang off the card. | CAccount with local IBAN, physical and virtual cards, transfers, direct debits, invoicing and accounting links. It is a bank account first, with no receipt or expense-report tool listed. |
| Ease of use | CThe page quotes 4.9 on the App Store without a count, so we don't count it. Setup includes a credit application and an accounting link. | CNo store rating on record. Opening a business account involves identity and company checks before anyone is productive. |
| Platforms and integrations | BWeb, iOS and Android, with Xero, QuickBooks, Sage and FreeAgent. No desktop app. | CWeb only on the listing, and no integrations named. |
| Best for | a UK business credit card with expense tools | a business bank account with cards for European firms |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Capital on Tap and Qonto. How we grade
Price against what you get
Capital on Tap starts at about $33.39 a month and scores 2.3 out of 4 on features, ease of use and platforms. Qonto starts at about $10.05 a month and scores 2.0.
Capital on Tap scores higher, and starts $23.34 a month higher: the question is whether the extra is worth that to you. Of the other spend and bill pay tools on the chart, 15 score higher than Capital on Tap for less, and 14 score higher than Qonto for less.
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
Where they differ
- Capital on Tap also covers reports.
- Qonto also covers invoicing.
At a glance
| Capital on Tap | Qonto | |
|---|---|---|
| Pricing | Free plan | Free trial |
| Starts at | £299 per year, billed annually (Pro); Free tier £0 per year | €9 per month excl. VAT, billed annually |
| Free plan | Free: £0 a year, no annual fee, with unlimited free employee cards, 1% cashback and no foreign exchange fees. | None |
| Free trial | None listed | 1-month free trial on Basic, Smart and Premium |
| Web | ||
| iOS | ||
| Android | ||
| Made by | New Wave Capital Limited (trading as Capital on Tap) | Qonto |
| Price read from | capitalontap.com | qonto.com |
| Checked | Nov 13, 2026 | Nov 13, 2026 |
Worth knowing
Capital on Tap
- It is a credit card, so approval depends on a credit check; limits go up to £250,000 and rates start at 14.13% APR (variable).
- The UK site prices in pounds; a separate US version of the site is linked but was not read.
- Expense features are attached to the card and its app; there is no separate expense-report tool.
- Pro costs £299 a year; Avios and Virgin Points convert at 10 points to 8 on Free and 1 to 1 on Pro.
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.
Key features
Capital on Tap
- Employee and virtual cards
- Free, unlimited employee cards with their own spending limits, and virtual cards that work as soon as an application is approved.
- Automatic accounting sync
- Transactions sync daily to Xero, QuickBooks, Sage or FreeAgent, and are sorted into categories automatically.
- Receipts in the app
- A receipt can be photographed and attached to its transaction in the mobile app, which also shows team spending in real time.
- Spending limits and alerts
- Limits can be set per transaction or per month for each team member, and the account owner gets an alert whenever a card is used.
- Cashback and preloading
- Cards earn 1% cashback. Preloading adds your own funds to the account to spend past the credit limit, and still earns cashback.
- Team access roles
- Bookkeepers, accountants and staff can be given separate access levels, such as managing credit to issue team cards.
Qonto
- Business account with local IBAN
- Sub-accounts on Smart and Premium each get their own IBAN, to separate budgets, taxes and activities.
- Physical and virtual cards
- Every plan includes physical and virtual cards; the One Card is included, with Card Plus (+€8 a month) and Metal Card X (+€20) as upgrades.
- Transfers and direct debits
- SEPA transfers, instant transfers and outgoing direct debits, plus international transfers in USD, GBP and CHF powered by Wise.
- Invoicing and payments
- Compliant electronic invoicing is on every plan, along with payment links, Tap to Pay and POS terminals for in-person payments.
- Accounting and forecasting
- Smart and Premium add accountant access, accounting integrations and cash-flow tracking and forecasting.
- Account remuneration
- Smart and Premium pay interest of 5% AER for 2 months, then 1.5% AER, with at least 5 eligible transactions a month.
Plans
Capital on Tap
Free£0
per year
No annual fee. Uncapped 1% cashback, free employee cards, virtual cards, preloading and 24/7 support.
Pro£299
per year, billed annually
Adds 1.25% on preloaded spend, a metal card, airport lounge access, a Times subscription and a 10,000-point welcome bonus.
Qonto
Basic€9
per month excl. VAT, billed annually (€108 a year)
Account with local IBAN, 30 transfers a month, 1 physical card and 2 virtual cards, payment links and e-invoicing.
Smart€19
per month excl. VAT, billed annually (€228 a year)
Adds 1 sub-account, 100 transfers, 2 physical and 50 virtual cards, cash-flow forecasting and accountant access.
Premium€39
per month excl. VAT, billed annually (€468 a year)
Adds 4 sub-accounts, 200 transfers, 50 Instant cards, subscription tracking, 0.56% FX and 7-day priority support.
Ways to pay less
Capital on Tap
- Other savings
6 months of Xero free on the Free tier
The Free tier lists 6 months free Xero for first-time Xero subscribers.
Qonto
No public discounts listed.
Common questions
Which is cheaper, Capital on Tap or Qonto?
As of Nov 13, 2026, Qonto is cheaper to start with: about $10.05 a month, against about $33.39 a month for Capital on Tap. Capital on Tap starts at £299 per year, billed annually (Pro); Free tier £0 per year, and Qonto starts at €9 per month excl. VAT, billed annually.
Which has a free plan, Capital on Tap or Qonto?
As of Nov 13, 2026, only Capital on Tap has a free plan. Qonto does not, though it has a free trial.
Which platforms do Capital on Tap and Qonto run on?
As of Nov 13, 2026, only Capital on Tap lists iOS and Android apps. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.