Mooncard vs Qonto (2026): which should you pick?

Pick Mooncard if

• Fits if you run a company in France that wants cards and receipts in one tool
• Works for finance teams that hand accounts to Sage, Cegid or SAP

Look elsewhere if

• Skip it if you want a posted price, since both packages are quoted after a demo
• Pricey if you want a card that costs nothing to issue, as the page states 10 euros a card
• Watch out: custom approval flows and duplicate detection are options on both packages
• Watch out: Flying Blue cards show 1.5% or 3% load fees, and the site is French with an English switch

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

Mooncard

• No prices are published; both packages, Original and Hub, are quoted after a demo request.
• The pricing page states a card issuance fee of 10 euros and a 0% load fee; Flying Blue cards show 1.5% or 3%.
• Several controls, including custom approval flows and duplicate detection, are marked as options on both packages.
• The site is in French, with an English switch; the Visa card is issued by Paynovate, according to its legal notice.

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.

Mooncard

Physical and virtual Visa cards

The pricing page lists physical Visa cards, recurring or single-use virtual cards, Apple Pay and Google Pay, 3D Secure and cash withdrawals at ATMs.

Spending rules

Limits can be set per employee, per purchase and per period, with rules by hours, days, merchant type and expense type, plus alerts when a limit is passed.

Receipt capture

SMS and push notifications ask the cardholder for the receipt, and OCR reads the details. Cards can be blocked automatically while receipts are missing, as an option.

Accounting engine

Expense categories, VAT codes and export templates are configurable, with bank reconciliation, evidential archiving and exports to accounting software.

Expense reports and mileage

Expense report entry and mileage allowances are listed as options on both packages, alongside approval workflows and duplicate detection.

Multi-entity reporting

The Hub package adds management and reporting across several legal entities, with five seats per entity and preferential pricing for entities.

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.

Mooncard

Pricing could not be confirmed. See mooncard.co.

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.