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 - € 17
Smart - € 34
Pro - € 119
Grow - € 249

Basic € 5

Smart - € 15
Premium - € 25
Essential - € 35
Business - € 70
Enterprise - € 140

Dutch IBAN

Cashback

Up to 3%

N/A

Free virtual cards

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

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.

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

Aafterall good help from Finom.co

Afer a not so good experience, finom.co came with a other solution. I must wait on a new customer from USA. But they are trying to help to solve my problem. They tried every time to help me. In the beginning whit a chatbot. That didn’t give any right awnser. Later i had personal contact. This works s lot better. I hot a lot houd information that can send by WhatsApp to my costumer. I have send it to 1 in Australia. She told me her bank was accepting the iban and information. She will try to do the payment endvof this month or in December, because her dog can’t fly before January. Hope everything goes well this time, because she us a big client. I lost some from the USA already. Finom offerd me some compensation for thst. My tnx for all the time they put in to this to keep helping to solve my problems

A Phoelich

04 November 2026

Verified

Thank you for your service

Thank you for your service. Always quick and professional in responding to clients and helping in sorting out their issues.

Luka Jaksic

03 November 2026

Verified

They saved me...

I had a really hard time opening a business bank account for our company, which operates as a French branch (succursale) of a different country. Most fintech banks couldn't open our account and many didn't support the SEPA business(which I needed most for tax officials and AMAZON), while opening an account with a traditional French bank was taking forever. They required so many documents, including financial statements and other paperwork. What I especially needed was a bank account that supports SEPA B2B Direct Debits, and many fintech banks don't offer this feature. But Finom does! The whole process took just 2–3 days, and it was surprisingly smooth and straightforward. I still need to use the account and see how everything works in practice, but so far, Finom has been a lifesaver! Thank you, Finom!

Jina Lee

03 November 2026

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

Super Banking

Hisham Sharif Ahmed

05 November 2026

Verified

it just was good!

ALEXANDER

04 November 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 16.336 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