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Personal Finance · head to head

Google Pay vs Qonto

Google Pay logo

Google Pay

Personal Finance

Fast, simple and secure payments

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 Google Pay has a free tier, so it costs nothing to try first.
  • Each has a real cost: Google Pay limited to Android devices and Chrome browser; lacks native support for iOS devices; Qonto pricing in EUR only, not USD

Where they differ

Only the attributes on which Google Pay and Qonto actually diverge.

Attributes where Google Pay and Qonto differ
AttributeGoogle PayQonto
Starting priceFree€9/month
Pricing modelfreesubscription
Free tierYesNo
PlatformsAndroid, Chrome browserWeb
CategoryPersonal FinanceAccounting
Founded2015Unknown

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 Google Pay

  • Digital wallet
  • Contactless payments
  • Online shopping
  • P2P money transfers
  • Credit cards
  • Debit cards
  • Bank accounts
  • Android support

Only in Qonto

Nothing recorded that Google Pay does not also cover.

What people use each for

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

Google Pay

  • Android users making contactless payments at supported retailersnot Qonto
  • Chrome browser users utilising payment autofill at checkoutnot Qonto

Qonto

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

Where each one falls short

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

Google Pay

  • Limited to Android devices and Chrome browser; lacks native support for iOS devices
  • International money transfer through third-party provider (Wise Inc.) with limited details on coverage

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

Google Pay

Free

No published plan breakdown. See the Google Pay 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 Google Pay if

  • You need digital wallet.
  • You want to start without paying.
  • You work on Android, Chrome browser.
  • You also want contactless payments.
Google Pay review

Choose Qonto if

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

Qonto review

Questions people ask

Is Google Pay or Qonto better?
Neither clearly leads. Google Pay 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, Google Pay or Qonto?
Google Pay has a free tier; the other does not. Paid plans start at Free for Google Pay and €9/month for Qonto.
Does Google Pay or Qonto run on more platforms?
Google Pay runs on Android, Chrome browser. Qonto runs on Web.
Can I use Google Pay for free?
Yes. Google Pay has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is Google Pay best used for?
Google Pay is most often used for android users making contactless payments at supported retailers, chrome browser users utilising payment autofill at checkout. Of those, android users making contactless payments at supported retailers and chrome browser users utilising payment autofill at checkout are not what Qonto is typically brought in for.
What can Google Pay do that Qonto cannot?
Google Pay covers Digital wallet, Contactless payments, Online shopping, P2P money transfers.

Answered from the vendors’ own pages

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
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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