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Personal Finance · head to head

Apple Pay vs Qonto

Apple Pay logo

Apple Pay

Personal Finance

The easier way to pay and send money

From
Free
Rated
-
Full reviewWebsite
Qonto logo

Qonto

Accounting

French neobank and finance management platform for freelancers, SMEs and businesses

From
€9/month
Rated
-
Full reviewWebsite

The short version

  • Only Apple Pay has a free tier, so it costs nothing to try first.
  • Each has a real cost: Apple Pay apple Pay works only in countries and regions that support contactless payments and is not available in all markets; Qonto pricing in EUR only, not USD

Where they differ

Only the attributes on which Apple Pay and Qonto actually diverge.

Attributes where Apple Pay and Qonto differ
AttributeApple PayQonto
Starting priceFree€9/month
Pricing modelfreesubscription
Free tierYesNo
PlatformsIOS, WatchOS, MacOSWeb
CategoryPersonal FinanceAccounting
Founded2014Unknown

Identical on both: user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Apple Pay

  • Digital wallet
  • Secure payments
  • Contactless transactions
  • P2P money transfers
  • Credit cards
  • Debit cards
  • Bank accounts
  • IOS support

Only in Qonto

Nothing recorded that Apple Pay does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Apple Pay

  • Contactless in store payment from iPhone and Apple Watchnot Qonto
  • Paying in apps and on the web without entering card detailsnot Qonto
  • Sending money between Apple users with Apple Cash and Tap to Cashnot Qonto

Qonto

  • Business bankingnot Apple Pay
  • Team paymentsnot Apple Pay
  • Cash flow managementnot Apple Pay
  • Multi-currency transfersnot Apple Pay
  • Freelancer paymentsnot Apple Pay

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Apple Pay

  • Apple Pay works only in countries and regions that support contactless payments and is not available in all markets
  • Apple Cash is available only in the 50 United States, the District of Columbia and Puerto Rico
  • Apple Cash Family accounts and Tap to Cash transactions are each capped at 2000 USD within a rolling seven day period
  • Mac support requires a Touch ID equipped model
  • A card works only if the issuing bank supports Apple Pay, and banks may charge their own overseas usage fees

Qonto

  • Pricing in EUR only, not USD
  • Basic tier limited to 30 transfers per month
  • Add-ons for invoice automation and project tracking cost EUR 12-39/month extra
  • Business tier minimum commitment for small team accounts
  • Business plan minimum pricing EUR 49/month vs self-employed EUR 9/month

Pricing, plan by plan

Apple Pay

Free
  • FreeFree
    • Secure payments
    • P2P transfers
    • Transit passes

Qonto

€9/month
  • Basic (Self-Employed)$9/month
    • 30 transfers
    • 1 physical + 2 virtual cards
    • Account remuneration 5% for 2 months
  • Smart (Self-Employed)$19/month
    • 100 transfers
    • 2 physical + 50 virtual cards
    • Account remuneration
  • Premium (Self-Employed)$39/month
    • 200 transfers
    • 2 physical + 50 virtual + 50 Instant cards
  • Essential (Business)$49/month
    • 250 transfers
    • 5 physical + 50 virtual cards
    • Multiple sub-accounts

Which should you pick?

Choose Apple Pay if

  • You need digital wallet.
  • You want to start without paying.
  • You work on IOS, WatchOS, MacOS.
  • You also want secure payments.
Apple Pay review

Choose Qonto if

Nothing in the data separates Qonto from Apple Pay on the points above - pick on price and on how each one feels to use.

Qonto review

Questions people ask

Is Apple Pay or Qonto better?
Neither clearly leads. Apple Pay starts at Free and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Apple Pay or Qonto?
Apple Pay has a free tier; the other does not. Paid plans start at Free for Apple Pay and €9/month for Qonto.
Does Apple Pay or Qonto run on more platforms?
Apple Pay runs on IOS, WatchOS, MacOS. Qonto runs on Web.
Can I use Apple Pay for free?
Yes. Apple Pay has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is Apple Pay best used for?
Apple Pay is most often used for contactless in store payment from iphone and apple watch, paying in apps and on the web without entering card details, sending money between apple users with apple cash and tap to cash. Of those, contactless in store payment from iphone and apple watch and paying in apps and on the web without entering card details are not what Qonto is typically brought in for.
What can Apple Pay do that Qonto cannot?
Apple Pay covers Digital wallet, Secure payments, Contactless transactions, P2P money transfers.

Answered from the vendors’ own pages

Apple Pay: Does Apple Pay charge fees?

No. Apple does not charge any fees when you pay with Apple Pay in stores, online, or in apps.

Source
Qonto: How much does Qonto cost?

Qonto's self-employed plans range from EUR 9/month (Basic) to EUR 39/month (Premium). Business plans range from EUR 49/month (Essential) to EUR 199/month (Enterprise).

Source
Apple Pay: What are the transaction limits for Apple Cash Family?

Apple Cash Family accounts have a maximum transaction limit of $2,000 within any rolling seven-day period for sending or receiving money. The same $2,000 rolling 7-day limit applies to Tap to Cash peer-to-peer transfers.

Source
Qonto: What is included in Qonto's Basic plan?

The Basic plan costs EUR 9/month and includes 30 monthly transfers, 1 physical card and 2 virtual cards, plus account remuneration at 5% for the first 2 months.

Source
Qonto: What is the difference between self-employed and business plans?

Self-employed plans (Basic to Premium) are for individuals and cost EUR 9-39/month. Business plans (Essential to Enterprise) offer more transfers and cards for teams, ranging from EUR 49-199/month.

Source
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