Softwr

Accounting · head to head

Conta vs Qonto

Conta logo

Conta

Accounting

Norwegian accounting software for small and 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 Conta has a free tier, so it costs nothing to try first.
  • Each has a real cost: Conta norwegian pricing only: displayed in NOK without multi-currency support for international comparisons; Qonto pricing in EUR only, not USD
  • Prices and features above were last checked on 2 September 2026.

Where they differ

Only the attributes on which Conta and Qonto actually diverge.

Attributes where Conta and Qonto differ
AttributeContaQonto
Starting priceFree€9/month
Free tierYesNo

Identical on both: pricing model (subscription), 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.

Conta

  • Norwegian small business accounting and invoicingnot Qonto
  • Project and department cost trackingnot Qonto
  • EHF/eInvoice generation for Norwegian regulatory compliancenot Qonto

Qonto

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

Where each one falls short

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

Conta

  • Norwegian pricing only: displayed in NOK without multi-currency support for international comparisons
  • Annual billing required: no monthly-pay option for either tier, forcing yearly commitment
  • Pro tier vaporware: listed as 'coming soon' with no pricing or feature roadmap provided
  • Limited feature differentiation: Smart tier is 'most selected' by customers but does not clearly explain what additional business value justifies 62% price premium over Standard

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

Conta

Free
  • Conta Regnskap Standard$209/month (billed annually)
  • Conta Regnskap Smart$339/month (billed annually)
  • Conta Regnskap Pro$undefined/mo

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 Conta if

  • You want to start without paying.
Conta review

Choose Qonto if

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

Qonto review

Questions people ask

Is Conta or Qonto better?
Neither clearly leads. Conta 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, Conta or Qonto?
Conta has a free tier; the other does not. Paid plans start at Free for Conta and €9/month for Qonto.
Does Conta or Qonto run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use Conta for free?
Yes. Conta has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is Conta best used for?
Conta is most often used for norwegian small business accounting and invoicing, project and department cost tracking, ehf/einvoice generation for norwegian regulatory compliance. Of those, norwegian small business accounting and invoicing and project and department cost tracking are not what Qonto is typically brought in for.

Answered from the vendors’ own pages

Conta: How much does Conta cost per month?

Conta Regnskap Standard costs 209 NOK/month and Smart costs 339 NOK/month, billed annually. Both exclude VAT and include a 30-day free trial option.

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
Conta: Can I pay monthly instead of annually?

No. Both Standard and Smart tiers require annual billing at a fixed monthly rate. Monthly-payment options are not available.

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
Conta: What is included in the Standard vs. Smart plan?

Standard includes accounting, invoicing, unlimited receipts, mobile app, and EHF/eInvoice. Smart adds KID numbers, unlimited EHF, project/department management, free chat/phone support, and exclusive equipment discounts.

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
Conta: When will the Pro plan be available and what will it cost?

The Pro tier is listed as 'coming soon' on the pricing page with no published pricing or launch date provided.

Source
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