Softwr

Accounting · head to head

Brex vs Qonto

Brex logo

Brex

Accounting

The financial stack for growing businesses

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 Brex has a free tier, so it costs nothing to try first.
  • Each has a real cost: Brex the free Essentials tier is limited to two legal entities; Qonto pricing in EUR only, not USD

Where they differ

Only the attributes on which Brex and Qonto actually diverge.

Attributes where Brex and Qonto differ
AttributeBrexQonto
Starting priceFree€9/month
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb
Founded2017Unknown

Identical on both: pricing model (subscription), user rating (Not yet rated), category (Accounting).

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 Brex

  • Corporate cards
  • Business accounts
  • Expense management
  • Bill pay
  • Travel
  • QuickBooks
  • NetSuite
  • Xero

Only in Qonto

Nothing recorded that Brex does not also cover.

What people use each for

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

Brex

  • Corporate cards with spend controls for startupsnot Qonto
  • Expense management and reimbursementsnot Qonto
  • Travel booking inside the spend platformnot Qonto
  • Bill pay and accounting system syncnot Qonto
  • Multi-entity spend management on the paid tiersnot Qonto

Qonto

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

Where each one falls short

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

Brex

  • The free Essentials tier is limited to two legal entities
  • Premium is $12 per user per month, so cost scales with headcount using the card
  • Enterprise and Smart Card pricing is not published
  • Eligibility criteria are not stated anywhere on the pricing page, which matters for a product that extends credit

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

Brex

Free
  • EssentialsFree
    • Global card acceptance
    • Accounting integrations
    • Real-time reporting
  • Premium$12/month
    • per user
    • Custom expense policies
    • Dynamic approval chains
  • Enterprise$null/month
    • Custom pricing

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 Brex if

  • You need corporate cards.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want business accounts.
Brex review

Choose Qonto if

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

Qonto review

Questions people ask

Is Brex or Qonto better?
Neither clearly leads. Brex 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, Brex or Qonto?
Brex has a free tier; the other does not. Paid plans start at Free for Brex and €9/month for Qonto.
Does Brex or Qonto run on more platforms?
Brex runs on Web, Ios, Android. Qonto runs on Web.
Can I use Brex for free?
Yes. Brex has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is Brex best used for?
Brex is most often used for corporate cards with spend controls for startups, expense management and reimbursements, travel booking inside the spend platform, bill pay and accounting system sync. Of those, corporate cards with spend controls for startups and expense management and reimbursements are not what Qonto is typically brought in for.
What can Brex do that Qonto cannot?
Brex covers Corporate cards, Business accounts, Expense management, Bill pay.

Answered from the vendors’ own pages

Brex: Does Brex have a free plan?

Yes. Brex Essentials is free for startups and growing companies and includes global card acceptance, AI-powered rules, accounting integrations, real-time reporting, and bill pay.

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
Brex: What is Brex Premium pricing?

Brex Premium costs $12 per user per month and is designed for mid-sized companies. It adds custom expense policies, dynamic approval chains, AI compliance auditing, multi-entity support, and live budgets.

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
Brex: What countries accept Brex cards?

Brex cards are accepted in 210+ countries. The Smart Card plan offers local-currency cards in 50+ countries for companies focused on procurement simplification and international payments.

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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