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Personal Finance · head to head

Copilot Money vs Qonto

Copilot Money logo

Copilot Money

Personal Finance

AI-powered personal finance assistant

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 Copilot Money has a free tier, so it costs nothing to try first.
  • Each has a real cost: Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app; Qonto pricing in EUR only, not USD

Where they differ

Only the attributes on which Copilot Money and Qonto actually diverge.

Attributes where Copilot Money and Qonto differ
AttributeCopilot MoneyQonto
Starting priceFree€9/month
Free tierYesNo
PlatformsWeb, IOS, AndroidWeb
CategoryPersonal FinanceAccounting
Founded2020Unknown

Identical on both: pricing model (subscription), 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 Copilot Money

  • AI-powered insights
  • Spending analysis
  • Budget optimization
  • Financial planning
  • Bank accounts
  • Credit cards
  • Web support
  • IOS support

Only in Qonto

Nothing recorded that Copilot Money does not also cover.

What people use each for

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

Copilot Money

  • Tracking spending across connected accountsnot Qonto
  • Budgeting by category with automatic transaction taggingnot Qonto
  • Investment and net worth trackingnot Qonto
  • Reviewing recurring subscriptionsnot Qonto

Qonto

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

Where each one falls short

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

Copilot Money

  • Apple only: web, iPhone, iPad and Mac, with no Android app
  • No free tier; $95 a year billed annually, which works out at $7.92 a month
  • The trial only starts once accounts are connected

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

Copilot Money

Free
  • Free TrialFree
    • No credit card required
    • Limited access to test the app
  • Paid Subscription$95/year
    • No ads
    • No hidden fees
    • Private data handling

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 Copilot Money if

  • You need ai-powered insights.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want spending analysis.
Copilot Money review

Choose Qonto if

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

Qonto review

Questions people ask

Is Copilot Money or Qonto better?
Neither clearly leads. Copilot Money 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, Copilot Money or Qonto?
Copilot Money has a free tier; the other does not. Paid plans start at Free for Copilot Money and €9/month for Qonto.
Does Copilot Money or Qonto run on more platforms?
Copilot Money runs on Web, IOS, Android. Qonto runs on Web.
Can I use Copilot Money for free?
Yes. Copilot Money has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is Copilot Money best used for?
Copilot Money is most often used for tracking spending across connected accounts, budgeting by category with automatic transaction tagging, investment and net worth tracking, reviewing recurring subscriptions. Of those, tracking spending across connected accounts and budgeting by category with automatic transaction tagging are not what Qonto is typically brought in for.
What can Copilot Money do that Qonto cannot?
Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning.

Answered from the vendors’ own pages

Copilot Money: How much does Copilot Money cost?

Copilot Money costs $95 per year when billed annually, which equals $7.92 per month. A free trial is available with no credit card required. A monthly subscription option exists but the specific monthly price is not listed on the website.

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
Copilot Money: Does Copilot Money have any hidden fees?

No, Copilot Money explicitly states there are no ads, no hidden fees, and your data stays private with the company focused on building the product.

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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