Is Hnry or Qonto better?

Neither clearly leads. Hnry starts at 1/per $100 income and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Hnry or Qonto?

Hnry starts at 1/per $100 income and Qonto at €9/month.

Does Hnry or Qonto run on more platforms?

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

What is Hnry best used for?

Hnry is most often used for calculating quarterly tax without manual bookkeeping, logging expenses via photo instantly, sending unlimited invoices with auto-follow-up, automatically withholding income taxes year-round. Of those, calculating quarterly tax without manual bookkeeping and logging expenses via photo instantly are not what Qonto is typically brought in for.

Accounting · head to head

Hnry vs Qonto

Hnry

Accounting

Accounting for sole traders and the self-employed

From: 1/per $100 income
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

Each has a real cost: Hnry service limited to self-employed sole traders in New Zealand only; Qonto pricing in EUR only, not USD

Where they differ

Only the attributes on which Hnry and Qonto actually diverge.

Attributes where Hnry and Qonto differ
Attribute	Hnry	Qonto
Starting price	1/per $100 income	€9/month
Pricing model	usage-based	subscription

Identical on both: free tier (No), 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.

Hnry

Calculating quarterly tax without manual bookkeepingnot Qonto
Logging expenses via photo instantlynot Qonto
Sending unlimited invoices with auto-follow-upnot Qonto
Automatically withholding income taxes year-roundnot Qonto

Qonto

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

Where each one falls short

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

Hnry

Service limited to self-employed sole traders in New Zealand only
1% + GST fee with $1,500 annual maximum cap
Minimum $0.50 fee per transaction for payments under $50

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

Hnry

1/per $100 income

No published plan breakdown. See the Hnry 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 Hnry if

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

Hnry review

Choose Qonto if

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

Qonto review

Questions people ask

Is Hnry or Qonto better?: Neither clearly leads. Hnry starts at 1/per $100 income and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hnry or Qonto?: Hnry starts at 1/per $100 income and Qonto at €9/month.
Does Hnry or Qonto run on more platforms?: Both run on Web, so platform support will not decide this one for you.
What is Hnry best used for?: Hnry is most often used for calculating quarterly tax without manual bookkeeping, logging expenses via photo instantly, sending unlimited invoices with auto-follow-up, automatically withholding income taxes year-round. Of those, calculating quarterly tax without manual bookkeeping and logging expenses via photo instantly are not what Qonto is typically brought in for.

Answered from the vendors’ own pages

Hnry: How much does Hnry charge?

Hnry charges 1% plus GST of independent income paid into your Hnry Bank Account, with a maximum annual fee of $1,500. Minimum fee is $0.50 per payment for transactions under $50.

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

Hnry: Are there joining fees for Hnry?

No, Hnry has no joining fees, upfront payments, or credit card required to sign up.

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

Hnry: Is the Hnry fee tax deductible?

Yes, Hnry automatically claims its fees as a business expense on your behalf, making them tax-deductible.

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

Hnry vs Qonto

Hnry

Qonto

The short version

Where they differ

What people use each for

Hnry

Qonto

Where each one falls short

Hnry

Qonto

Pricing, plan by plan

Hnry

Qonto

Which should you pick?

Choose Hnry if

Choose Qonto if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Hnry

More on Qonto

Keep looking

Other head to heads