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Personal Finance · head to head

Coinbase vs Qonto

Coinbase logo

Coinbase

Personal Finance

Buy, sell, and trade cryptocurrency with ease

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 Coinbase has a free tier, so it costs nothing to try first.
  • Each has a real cost: Coinbase the App Store listing states standard Coinbase trades carry fees and that a paid Coinbase One subscription is needed for zero trading fees and boosted staking rewards, and that fractional stock shares start at $1.; Qonto pricing in EUR only, not USD

Where they differ

Only the attributes on which Coinbase and Qonto actually diverge.

Attributes where Coinbase and Qonto differ
AttributeCoinbaseQonto
Starting priceFree€9/month
Pricing modelfreemiumsubscription
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb
CategoryPersonal FinanceAccounting
Founded2012Unknown

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 Coinbase

  • Cryptocurrency Trading
  • Staking
  • Coinbase Wallet
  • Coinbase Card
  • Bank transfers
  • PayPal
  • Apple Pay
  • Web support

Only in Qonto

Nothing recorded that Coinbase does not also cover.

What people use each for

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

Coinbase

  • Exchangesnot Qonto
  • Tradingnot Qonto
  • Walletsnot Qonto

Qonto

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

Where each one falls short

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

Coinbase

  • The App Store listing states standard Coinbase trades carry fees and that a paid Coinbase One subscription is needed for zero trading fees and boosted staking rewards, and that fractional stock shares start at $1.

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

Coinbase

Free
  • FreeFree
    • Buy and sell crypto
    • Coinbase Wallet
    • Staking rewards
  • Coinbase One$29.99/month
    • Zero trading fees
    • Priority support
    • Advanced trading tools

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 Coinbase if

  • You need cryptocurrency trading.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want staking.
Coinbase review

Choose Qonto if

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

Qonto review

Questions people ask

Is Coinbase or Qonto better?
Neither clearly leads. Coinbase 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, Coinbase or Qonto?
Coinbase has a free tier; the other does not. Paid plans start at Free for Coinbase and €9/month for Qonto.
Does Coinbase or Qonto run on more platforms?
Coinbase runs on Web, Ios, Android. Qonto runs on Web.
Can I use Coinbase for free?
Yes. Coinbase has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is Coinbase best used for?
Coinbase is most often used for exchanges, trading, wallets. Of those, exchanges and trading are not what Qonto is typically brought in for.
What can Coinbase do that Qonto cannot?
Coinbase covers Cryptocurrency Trading, Staking, Coinbase Wallet, Coinbase Card.

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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