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Personal Finance · head to head

Crypto.com vs Qonto

Crypto.com logo

Crypto.com

Personal Finance

The best place to buy, sell, and pay with crypto

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 Crypto.com has a free tier, so it costs nothing to try first.
  • Each has a real cost: Crypto.com trading fees are significantly higher than industry average at 0.25%/0.5% versus 0.15%/0.194%; Qonto pricing in EUR only, not USD

Where they differ

Only the attributes on which Crypto.com and Qonto actually diverge.

Attributes where Crypto.com and Qonto differ
AttributeCrypto.comQonto
Starting priceFree€9/month
Pricing modelUnknownsubscription
Free tierYesNo
PlatformsWeb, iOS, AndroidWeb
CategoryPersonal FinanceAccounting
Founded2016Unknown

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 Crypto.com

  • Cryptocurrency Trading
  • Visa Card
  • Crypto Earn
  • DeFi Wallet
  • NFT
  • Visa
  • Apple Pay
  • Google Pay

Only in Qonto

Nothing recorded that Crypto.com does not also cover.

What people use each for

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

Crypto.com

  • Exchangesnot Qonto
  • Walletsnot Qonto
  • Paymentsnot Qonto

Qonto

  • Business bankingnot Crypto.com
  • Team paymentsnot Crypto.com
  • Cash flow managementnot Crypto.com
  • Multi-currency transfersnot Crypto.com
  • Freelancer paymentsnot Crypto.com

Where each one falls short

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

Crypto.com

  • Trading fees are significantly higher than industry average at 0.25%/0.5% versus 0.15%/0.194%
  • Bitcoin withdrawal fees are excessive at 0.0004 BTC (approximately $47) versus actual blockchain mining fees
  • Customer support experiences significant delays up to months, with Trustpilot rating of 2.0/5
  • CRO token dependency for fee reductions and card rewards exposes users to token price volatility
  • Account freezes, card blocks, and verification delays reported by users

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

Crypto.com

Free

No published plan breakdown. See the Crypto.com review.

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 Crypto.com if

  • You need cryptocurrency trading.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want visa card.
Crypto.com review

Choose Qonto if

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

Qonto review

Questions people ask

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

Answered from the vendors’ own pages

Crypto.com: What are Crypto.com's trading fees?

Base spot trading fees are 0.25% for makers and 0.5% for takers. Fees decrease with higher 30-day trading volume and CRO staking, with volume-based discounts reaching 0.065% maker and 0.1% taker fees at $5M volume.

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
Crypto.com: What is the difference between Crypto.com App and Exchange?

The App is designed for beginners with embedded spreads reaching 0.5-1%, while the Exchange platform shows transparent maker/taker fees starting from 0.25%/0.50%, with costs decreasing with CRO staking and VIP levels.

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
Crypto.com: What are the total costs of trading on Crypto.com?

Estimated total costs are approximately 1.30% per trade, composed of 0.75% trading fees and an approximate spread of 0.55%.

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
Crypto.com: What integrations does Crypto.com have?

Crypto.com integrates with Coinbase and Kraken for cryptocurrency trading and account activity, enabling multi-exchange portfolio management.

Source
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