Finom vs Qonto: a side-by-side comparison

Choosing the right provider for your business isn't easy. Let's take a look at why Finom might be a better choice in terms of cashback, card options, and pricing.

Open free business account

Finom: we have it all and more

Finom

Qonto

Finom

Qonto

Overall pricing
per month when paid annually

Solo € 0

Basic - € 8,99
Smart - € 23,99
Pro - € 119
Grow - € 249

Starter € 0

Basic - €9
Smart - € 19
Premium - € 39
Essential - € 49
Business - € 99
Enterprise - € 199

German IBAN

Cashback

Up to 3%

N/A

Free virtual cards

Solo - 1
Basic - 3
Smart - 10
Pro - Unlimited
Grow - Unlimited

Starter - 0
Basic - 2
Smart, Premium, Essential - 50
Business, Enterprise – unlimited

Free physical cards

Solo - 0

Basic - 2
Smart - unlimited
Pro - unlimited
Grow - unlimited

Card replacement (e.g. in case of blocking) is free of charge, even in excess of the specified quantity.

Starter - 0
Basic - 1
Smart, Premium - 2
Essential - 5
Business - 10
Enterprise – 30

Cash withdrawal

Up to € 2 500 per day, depending on the plan

Up to € 3 000 per month, depending on the plan

Cards

3 free physical cards per user
Unlimited number of free virtual cards
Free re-issuance of additional cards

Up to 30 cards included depending on the plan, additional card for €5/month

Card type

VISA

Mastercard

Apple Pay / Google Pay

International payments

Fixed € 5 fee

0,8% - 1,8% per transaction (min € 5 excl. VAT)

Free SEPA & Direct Debit transfers (per month)

Solo - € 2 per transaction
Start - Unlimited
Premium - Unlimited
Corporate - Unlimited
Enterprise - Unlimited

Basic - 30*
Smart - 100*
Premium - 200*
Essential - 250*
Business - 500*
Enterprise - 10 000*

*a fee of € 0,10 - € 0,20 applied to further transfers

Customer support

24/7, response time within minutes

7 days a week, reply within 15 minutes

Here’s why

Top-notch solution Business account opened from the comfort of your couch in 2 days. Free cards, state-of-the-art invoicing, payments all around the globe, and more;
Never overpay We’re fully digital – no costs on branches. Ever seen our billboards and TV ads? No, we don’t spend on it;
Never walk alone Our lightning-fast phone, video or chat customer support assists you at every step of the way.

Why choose Finom for business?

Free business account
Open a fully functional business account with invoicing for as much as €0
Up to 3% cashback
Use your VISA cards and score cashback that pays the subscription off
Invoicing
Create and send smart invoices in 60 seconds and get paid 20%+ faster
5% p.a. Interest Account
Get a fixed rate for your first 5 months with no lock-ins

Open account

1-month free trial available

Customers love Finom

4.7
App Store
4.6
Google Play

Meet our 200,000+ customers

Read real, authentic reviews

Verified

Great customer service

The UI is good, but not very good. Anyway, I gave it 5 stars because the customer support was VERY fast and pro-active. Please, keep that up! I am a happy customer.

Jan Schulz

01 November 2026

Verified

Excellent customer services

Excellent customer services. Any issue I have had was dealt with quickly. Fast response times. Great app and banking services. Thanks

AMac

31 October 2026

Verified

Nice business Management App

Very nice, I have been using it from longer time. It help me to get partial payments from my customers. Helped me to issue invoices and receipt. Thank you

Ghulam Mohy Ul Din

30 October 2026

Verified

Exceptional and hassle-free support – Thank you Lori!

I recently faced an extremely time-critical administrative hurdle regarding my business account. While other banks often leave you on hold with standard automated responses in situations like this, Finom proved how modern customer service should work. A massive thank you to Lori from the Customer Success Team! She understood my issue immediately and resolved it incredibly fast, pragmatically, and with a refreshingly human touch. As an entrepreneur, this is exactly the kind of reliable, unbureaucratic support you need backing you up. Highly recommended!

Jürgen Reinold

29 October 2026

Verified

With Jose`s answer it felt like in the…

With Jose`s answer it felt like in the good old days! Personal, honest and thoughtful. You feel like someone cares!!

hollenbachhanf

29 October 2026

Verified

Great and fast human customer service…

Great and fast human customer service if AI is not working not there yet. Flexible and accommodating with a clear customer satisfaction focus. AI accounting is not an alternative to a real accountant if it comes to a GmbH in Germany, but the banking experience is very good.

Sebastian Till Alexander Schäf

28 October 2026

Verified

Nothing is free, but its ok

Nothing is free. But if the value for money is right, then that's fine. I believe everything is just right here.

Levente Szücs

15 October 2026

Verified

Very good & quick customer support

Very good & quick customer support. Much better than at other banks. However product UX is not the best. Running into avoidable problems regularly.

Daniel

16 July 2026

Verified

You helped me with one problem.

Margit Kühnel

22 October 2026

Verified

Cyclum Fin

We re waiting for accept of transfer but the contact with Finom is good

Andrey

08 October 2026

Rated 4.8 / 5 based on 16.281 reviews. Showing our latest reviews.

Security is our top priority

GDPR Compliance
Our servers are protected and hosted in the European Union
Reliable partners
To minimize risks, we’ve partnered with one of the largest multinational banks, BNP Paribas, to hold your funds
Safeguarded funds: unlimited
We have a separate Safeguarding Foundation supervised by the DNB to manage your money
Passkeys and 3D Secure
Your money is protected with secure passwordless authentication and single-use passwords