Qonto vs Spendesk (2026): which should you pick?
As of Nov 13, 2026, Spendesk grades higher than Qonto: 2.2 against 2.0 out of 4.0.
Checked Oct 18, 2026 and Nov 13, 2026 · graded Oct 18, 2026 and Nov 13, 2026 by ToolGPA
Qonto grades higher on the free plan. Spendesk grades higher on features, ease of use and platforms. They get the same grade on value for money.
Price, platforms and features side by side. The table says where each price was read and when.
Qonto
European business account with cards, transfers and invoicing
Free trial · from €9/mo
Spendesk
Spend management with unlimited cards and users, priced by quote
Paid
Which one is for you
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
Pick Spendesk if
- Fits if you want unlimited cards and users without paying per head
- Works for finance teams in the EEA, the UK or the US that want receipts collected for them
Look elsewhere if
- Skip it if you want to see a price before you talk to sales
- Not for you if you want a free plan or a trial to poke around in first
- Tight if supplier invoices matter, since accounts payable is a paid add-on
- Watch out: each card purchase, invoice payment and expense claim carries a variable fee on top
- Watch out: procurement, advanced workflows, HR and ERP links and AI fraud checks are all add-ons
How we grade them
| 2.0GPAQontoFair | 2.2GPASpendeskFair | |
|---|---|---|
| Value for money | 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. | CNo price is published, so it sits in the middle by our rule. Spendesk quotes a fixed monthly platform fee plus variable fees on card purchases, invoice payments and expense claims, so there's no monthly figure for a ten-person company. |
| Free plan and trial | 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. | FNothing free. There's no free plan or published free trial, only a demo and a product tour. |
| Features | 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. | BThe whole job: unlimited cards of four kinds, receipt rules and OCR, expense claims, live budgets, multi-entity reporting, an open API and an MCP connector, with accounts payable and procurement sold as add-ons. |
| Ease of use | CNo store rating on record. Opening a business account involves identity and company checks before anyone is productive. | B4.7 from 637 App Store ratings, high but short of the 1,000 we want for the top band. Receipt reminders run themselves once the rules are set. |
| Platforms and integrations | CWeb only on the listing, and no integrations named. | BWeb, iPhone and Android, with Xero, QuickBooks, DATEV, Slack and an open API. No desktop app is listed, and HR and ERP integrations are an add-on. |
| Best for | a business bank account with cards for European firms | unlimited cards and users for one quoted fee |
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: Qonto and Spendesk. How we grade
Where they differ
- Qonto also covers invoicing.
- Spendesk also covers bill pay.
In commonWebAI featuresExpense trackingCompany cards
At a glance
| Qonto | Spendesk | |
|---|---|---|
| Pricing | Free trial | Paid |
| Starts at | €9 per month excl. VAT, billed annually | Not published |
| Free plan | None | None |
| Free trial | 1-month free trial on Basic, Smart and Premium | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Qonto | Spendesk |
| Price read from | qonto.com | Not confirmed |
| Checked | Nov 13, 2026 | Oct 18, 2026 |
Worth knowing
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.
Spendesk
- No prices are published: Spendesk quotes a fixed monthly platform fee plus variable fees on card purchases, invoice payments and expense claims.
- Procurement, accounts payable, advanced workflows, HR and ERP integrations and AI fraud detection are add-ons to the base package.
- It serves the EEA, the UK and the US; payments and Visa debit cards come from Spendesk Financial Services, Adyen and Sutton Bank respectively.
- There is no free plan or published free trial; Spendesk offers a demo and a product tour instead.
Key features
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.
Spendesk
- Unlimited cards
- Physical cards for employees, single-use cards for one-off payments, recurring virtual cards for subscriptions and multi-use cards for projects or events.
- Receipt collection
- Custom rules and automatic reminders chase receipts, OCR reads them, and they are matched to the right card payment straight away.
- Expense claims
- Out-of-pocket expenses are submitted, reimbursed and tracked alongside card spending.
- Budgets
- Track spending against budgets in real time, with multi-entity workflows and reporting in the base package.
- Accounts payable add-on
- Manage supplier invoices and pay suppliers worldwide in the right currency, with procurement as a separate add-on.
- Integrations and API
- Connects to Xero, QuickBooks, DATEV and Slack, offers an open API, and links spend data to AI assistants through an MCP connector.
Plans
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.
Spendesk
Pricing could not be confirmed. See spendesk.com.
Common questions
Which is cheaper, Qonto or Spendesk?
As of Nov 13, 2026, Qonto starts at €9 per month excl. VAT, billed annually, and Spendesk has no price we could confirm.
Which has a free plan, Qonto or Spendesk?
As of Nov 13, 2026, neither Qonto nor Spendesk has a free plan. Qonto has a free trial.
Which platforms do Qonto and Spendesk run on?
As of Nov 13, 2026, only Spendesk 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.