Is Billin or Qonto better?

Neither clearly leads. Billin starts at €6.6/month and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Billin or Qonto?

Billin starts at €6.6/month and Qonto at €9/month.

Does Billin or Qonto run on more platforms?

Both run on Web, so platform support will not decide this one for you.

What is Billin best used for?

Billin is most often used for invoice management, multi-user accounting for freelancers and small businesses. Of those, invoice management and multi-user accounting for freelancers and small businesses are not what Qonto is typically brought in for.

Accounting · head to head

Billin vs Qonto

Billin

Accounting

Spanish online invoicing software for freelancers and small businesses

From: €6.6/month
Rated: -

Full review Website

Qonto

Accounting

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

From: €9/month
Rated: -

Full review Website

The short version

Each has a real cost: Billin plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need; Qonto pricing in EUR only, not USD
Prices and features above were last checked on 29 August 2026.

Where they differ

Only the attributes on which Billin and Qonto actually diverge.

Attributes where Billin and Qonto differ
Attribute	Billin	Qonto
Starting price	€6.6/month	€9/month

Identical on both: pricing model (subscription), free tier (No), platforms (Web), user rating (Not yet rated), category (Accounting).

What people use each for

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

Billin

Invoice managementnot Qonto
Multi-user accounting for freelancers and small businessesnot Qonto

Qonto

Business bankingnot Billin
Team paymentsnot Billin
Cash flow managementnot Billin
Multi-currency transfersnot Billin
Freelancer paymentsnot Billin

Where each one falls short

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

Billin

Plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need
Plan Pro still caps clients at 50 and users at 3 for EUR 14/month, so any business with more clients must move to the unlimited EUR 23/month tier

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

Billin

€6.6/month

Plan Básico$80/year
- 0-5 clients
- 1 user
- Max 10 products
Plan Básico$96/month
Plan Pro$168/year
- 6-50 clients
- 3 users
- Max 50 products
Plan Pro$204/month

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 Billin if

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

Billin review

Choose Qonto if

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

Qonto review

Questions people ask

Is Billin or Qonto better?: Neither clearly leads. Billin starts at €6.6/month and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billin or Qonto?: Billin starts at €6.6/month and Qonto at €9/month.
Does Billin or Qonto run on more platforms?: Both run on Web, so platform support will not decide this one for you.
What is Billin best used for?: Billin is most often used for invoice management, multi-user accounting for freelancers and small businesses. Of those, invoice management and multi-user accounting for freelancers and small businesses are not what Qonto is typically brought in for.

Answered from the vendors’ own pages

Billin: What are Billin's plan costs?

Billin offers three plans: Básico at €80/year (€6.60/month), Pro at €168/year (€14/month), and Ilimitado at €276/year (€23/month). Annual billing includes 18% savings compared to monthly.

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

Billin: Is there a free trial for Billin?

Yes, Billin offers a 30-day free trial with all features included. No credit card is required to start.

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

Billin: How many users does each Billin plan include?

Básico includes 1 user, Pro includes 3 users, and Ilimitado includes unlimited users.

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

Billin vs Qonto

Billin

Qonto

The short version

Where they differ

What people use each for

Billin

Qonto

Where each one falls short

Billin

Qonto

Pricing, plan by plan

Billin

Qonto

Which should you pick?

Choose Billin if

Choose Qonto if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Billin

More on Qonto

Keep looking

Other head to heads