Softwr

Accounting · head to head

Creem vs Qonto

Creem logo

Creem

Accounting

All-in-one payment and compliance platform for software companies

From
$3.9/percent
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

  • Each has a real cost: Creem per-transaction fee model scales with volume, potentially expensive for high-frequency transactions; Qonto pricing in EUR only, not USD
  • Prices and features above were last checked on 29 August 2026.

Where they differ

Only the attributes on which Creem and Qonto actually diverge.

Attributes where Creem and Qonto differ
AttributeCreemQonto
Starting price$3.9/percent€9/month
Pricing modelPer-transaction flat ratesubscription
PlatformsWeb, iOS, AndroidWeb

Identical on both: free tier (No), 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 Creem

  • Global payments processing
  • Automated tax compliance
  • Subscription billing
  • Revenue distribution
  • Digital product support
  • Fraud protection
  • AI business assistant
  • Affiliate platform

Only in Qonto

Nothing recorded that Creem does not also cover.

What people use each for

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

Creem

  • SaaS subscription billing and managementnot Qonto
  • Digital product distribution with license keysnot Qonto
  • Global payment processing across 100+ countriesnot Qonto
  • Revenue sharing among co-founders and affiliatesnot Qonto
  • Automated tax compliance for international salesnot Qonto

Qonto

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

Where each one falls short

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

Creem

  • Per-transaction fee model scales with volume, potentially expensive for high-frequency transactions
  • Limited to software and digital product companies, not suitable for physical goods
  • AI business assistant availability and capabilities not fully detailed
  • Requires using Creem as Merchant of Record, limiting white-label options
  • Mobile app only available in beta for iOS and Android

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

Creem

$3.9/percent
  • StandardFree
    • 3.9% + $0.40 per transaction
    • No setup fees
    • No monthly fees

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 Creem if

  • You need global payments processing.
  • You work on Web, iOS, Android.
  • You also want automated tax compliance.
Creem review

Choose Qonto if

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

Qonto review

Questions people ask

Is Creem or Qonto better?
Neither clearly leads. Creem starts at $3.9/percent and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Creem or Qonto?
Creem starts at $3.9/percent and Qonto at €9/month.
Does Creem or Qonto run on more platforms?
Creem runs on Web, iOS, Android. Qonto runs on Web.
What is Creem best used for?
Creem is most often used for saas subscription billing and management, digital product distribution with license keys, global payment processing across 100+ countries, revenue sharing among co-founders and affiliates. Of those, saas subscription billing and management and digital product distribution with license keys are not what Qonto is typically brought in for.
What can Creem do that Qonto cannot?
Creem covers Global payments processing, Automated tax compliance, Subscription billing, Revenue distribution.

Answered from the vendors’ own pages

Creem: What are Creem's transaction fees compared to competitors?

Creem charges a flat 3.9% plus 40 cents per successful transaction with no additional setup, monthly, or hidden fees. For a $5,000 transaction volume, Creem estimates $235 in fees compared to Lemon Squeezy at $565 ($400 + $165).

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
Creem: Does Creem handle international tax compliance?

Yes. Creem automatically handles VAT, GST, and sales tax filing and remittance as a Merchant of Record across 50+ countries, eliminating manual tax compliance work.

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
Creem: Can I use Creem for subscription billing?

Yes. Creem provides subscription management with billing, dunning, and a customer portal. Revenue splits are included for distributing earnings to co-founders and affiliates.

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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