Is FreeAgent or Qonto better?

Neither clearly leads. FreeAgent 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, FreeAgent or Qonto?

FreeAgent has a free tier; the other does not. Paid plans start at Free for FreeAgent and €9/month for Qonto.

Does FreeAgent or Qonto run on more platforms?

Both run on Web, so platform support will not decide this one for you.

Can I use FreeAgent for free?

Yes. FreeAgent has a free tier, so you can try it without paying. Qonto starts at €9/month.

What is FreeAgent best used for?

FreeAgent is most often used for submitting vat and self assessment tax returns to hmrc directly, splitting rental income and expenses across multiple properties automatically, collecting invoice payments faster through one-click payments and reminders, capturing bills and receipts via ai to auto-categorize expenses. Of those, submitting vat and self assessment tax returns to hmrc directly and splitting rental income and expenses across multiple properties automatically are not what Qonto is typically brought in for.

Accounting · head to head

FreeAgent vs Qonto

FreeAgent

Accounting

Accounting software for small businesses and freelancers

From: Free
Rated: -

Full review Website

Qonto

Accounting

French neobank and finance management platform for freelancers, SMEs and businesses

From: €9/month
Rated: -

Full review Website

The short version

Only FreeAgent has a free tier, so it costs nothing to try first.
Each has a real cost: FreeAgent introductory pricing shown is 50% off the regular rates; 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 FreeAgent and Qonto actually diverge.

Attributes where FreeAgent and Qonto differ
Attribute	FreeAgent	Qonto
Starting price	Free	€9/month
Free tier	Yes	No

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.

FreeAgent

Submitting VAT and Self Assessment tax returns to HMRC directlynot Qonto
Splitting rental income and expenses across multiple properties automaticallynot Qonto
Collecting invoice payments faster through one-click payments and remindersnot Qonto
Capturing bills and receipts via AI to auto-categorize expensesnot Qonto
Filing Real Time Information payroll directly to HMRC for employeesnot Qonto

Qonto

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

Where each one falls short

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

FreeAgent

Introductory pricing shown is 50% off the regular rates
All prices exclude 20% VAT
Add-ons required for some features (Smart Capture Unlimited £5/month, Amazon integration £6/month)

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

FreeAgent

Free

Sole Traders$9.5/month
- Introductory rate (regular price £19/month)
- Annual option at £95/year (regular £190)
Landlords$5/month
- Introductory rate (regular price £10/month)
- Annual option at £50/year (regular £100)
UK Partnerships/LLPs$13.5/month
- Introductory rate (regular price £27/month)
- Annual option at £135/year (regular £270)
UK Limited Companies$16.5/month
- Introductory rate (regular price £33/month)
- Annual option at £330/year (regular £330)

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 FreeAgent if

You want to start without paying.

FreeAgent review

Choose Qonto if

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

Qonto review

Questions people ask

Is FreeAgent or Qonto better?: Neither clearly leads. FreeAgent 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, FreeAgent or Qonto?: FreeAgent has a free tier; the other does not. Paid plans start at Free for FreeAgent and €9/month for Qonto.
Does FreeAgent or Qonto run on more platforms?: Both run on Web, so platform support will not decide this one for you.
Can I use FreeAgent for free?: Yes. FreeAgent has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is FreeAgent best used for?: FreeAgent is most often used for submitting vat and self assessment tax returns to hmrc directly, splitting rental income and expenses across multiple properties automatically, collecting invoice payments faster through one-click payments and reminders, capturing bills and receipts via ai to auto-categorize expenses. Of those, submitting vat and self assessment tax returns to hmrc directly and splitting rental income and expenses across multiple properties automatically are not what Qonto is typically brought in for.

Answered from the vendors’ own pages

FreeAgent: Does FreeAgent offer a free option?

FreeAgent is free for qualifying customers maintaining business accounts with NatWest, Royal Bank of Scotland, Ulster Bank, or certain Mettle accounts.

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

FreeAgent: What is FreeAgent's pricing for sole traders?

Sole traders pay £9.50/month (50% introductory rate; regular £19/month), or £95/year annually (regular £190/year), excluding 20% VAT.

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

FreeAgent: What add-ons does FreeAgent offer?

Optional add-ons include Smart Capture Unlimited at £5/month and Amazon integration at £6/month, allowing customers to extend base plan functionality.

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

FreeAgent: Does FreeAgent offer a trial?

FreeAgent provides a 30-day free trial with no commitment, and customers can cancel at any time during or after the trial period.

Source

FreeAgent vs Qonto

FreeAgent

Qonto

The short version

Where they differ

What people use each for

FreeAgent

Qonto

Where each one falls short

FreeAgent

Qonto

Pricing, plan by plan

FreeAgent

Qonto

Which should you pick?

Choose FreeAgent if

Choose Qonto if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on FreeAgent

More on Qonto

Keep looking

Other head to heads