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Personal Finance · head to head

Cash App vs Qonto

Cash App logo

Cash App

Personal Finance

Money sent in seconds

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 Cash App has a free tier, so it costs nothing to try first.
  • Each has a real cost: Cash App the App Store listing states free ATM withdrawals and up to 200 dollars in free overdraft coverage on the Cash App Card are only available once a user qualifies for Green status, not to all users by default.; Qonto pricing in EUR only, not USD

Where they differ

Only the attributes on which Cash App and Qonto actually diverge.

Attributes where Cash App and Qonto differ
AttributeCash AppQonto
Starting priceFree€9/month
Pricing modelfreesubscription
Free tierYesNo
PlatformsIOS, AndroidWeb
CategoryPersonal FinanceAccounting
Founded2013Unknown

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 Cash App

  • Money transfers
  • Direct deposit
  • Bitcoin trading
  • Stock investing
  • Bank accounts
  • Cash Card
  • IOS support
  • Android support

Only in Qonto

Nothing recorded that Cash App does not also cover.

What people use each for

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

Cash App

  • Budget Managementnot Qonto
  • Expense Trackingnot Qonto
  • Investment Trackingnot Qonto

Qonto

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

Where each one falls short

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

Cash App

  • The App Store listing states free ATM withdrawals and up to 200 dollars in free overdraft coverage on the Cash App Card are only available once a user qualifies for Green status, not to all users by default.

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

Cash App

Free
  • FreeFree
    • Money transfers
    • Direct deposit
    • Mobile app
  • Cash App Investing$undefined/month
    • Stock trading
    • Bitcoin trading

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 Cash App if

  • You need money transfers.
  • You want to start without paying.
  • You work on IOS, Android.
  • You also want direct deposit.
Cash App review

Choose Qonto if

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

Qonto review

Questions people ask

Is Cash App or Qonto better?
Neither clearly leads. Cash App 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, Cash App or Qonto?
Cash App has a free tier; the other does not. Paid plans start at Free for Cash App and €9/month for Qonto.
Does Cash App or Qonto run on more platforms?
Cash App runs on IOS, Android. Qonto runs on Web.
Can I use Cash App for free?
Yes. Cash App has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is Cash App best used for?
Cash App is most often used for budget management, expense tracking, investment tracking. Of those, budget management and expense tracking are not what Qonto is typically brought in for.
What can Cash App do that Qonto cannot?
Cash App covers Money transfers, Direct deposit, Bitcoin trading, Stock investing.

Answered from the vendors’ own pages

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
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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