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Accounting · head to head

Kodo vs Qonto

Kodo logo

Kodo

Accounting

Corporate cards and intake to pay for Indian businesses

From
On request
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: Kodo kodo is not a licensed issuer, so card limits, settlement cycles and eligibility come from a partner bank whose terms you do not directly control and which can change the programme.; Qonto pricing in EUR only, not USD
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Kodo and Qonto actually diverge.

Attributes where Kodo and Qonto differ
AttributeKodoQonto
Starting priceOn request€9/month
Pricing modelquotesubscription
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 Kodo

  • Corporate cards
  • Purchase requests
  • Invoice capture and matching
  • Vendor payouts
  • GST and TDS handling
  • ERP integration
  • Approval workflows
  • Spend analytics

Only in Qonto

Nothing recorded that Kodo does not also cover.

What people use each for

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

Kodo

  • An Indian startup replacing founder personal cards with issued cards carrying per employee limitsnot Qonto
  • A finance team automating vendor payouts across NEFT, RTGS and UPI with maker checker approvalnot Qonto
  • A company that needs GST compliant invoice coding flowing into Tally without rekeyingnot Qonto
  • A business enforcing purchase requests and approvals before spend rather than reconciling it afterwardsnot Qonto

Qonto

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

Where each one falls short

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

Kodo

  • Kodo is not a licensed issuer, so card limits, settlement cycles and eligibility come from a partner bank whose terms you do not directly control and which can change the programme.
  • Indian regulatory changes on prepaid instruments and card issuing partnerships have repeatedly disrupted fintech card programmes, so continuity risk is higher here than in equivalent European or United States products.
  • Pricing is not published, so comparing Kodo against Happay, Zoho Expense or a bank corporate card requires a full sales cycle and disclosure of your spend volumes.
  • Coverage is India only, so any group with overseas subsidiaries runs a second card and payables system and loses the consolidated view.
  • The intake to pay workflow is lighter than a dedicated procurement suite, with limited contract management and supplier onboarding, so regulated or heavily audited buyers will find gaps.

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

Kodo

On request
  • Kodo$undefined/year
    • Quoted per customer, no published rate card
    • Card limits and settlement terms set by the sponsoring partner bank
    • Payout volumes and payment rails may carry per transaction charges

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 Kodo if

  • You need corporate cards.
  • You work on Web, iOS, Android.
  • You also want purchase requests.
Kodo review

Choose Qonto if

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

Qonto review

Questions people ask

Is Kodo or Qonto better?
Neither clearly leads. Kodo starts at On request and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Kodo or Qonto?
Kodo starts at On request and Qonto at €9/month.
Does Kodo or Qonto run on more platforms?
Kodo runs on Web, iOS, Android. Qonto runs on Web.
What is Kodo best used for?
Kodo is most often used for an indian startup replacing founder personal cards with issued cards carrying per employee limits, a finance team automating vendor payouts across neft, rtgs and upi with maker checker approval, a company that needs gst compliant invoice coding flowing into tally without rekeying, a business enforcing purchase requests and approvals before spend rather than reconciling it afterwards. Of those, an indian startup replacing founder personal cards with issued cards carrying per employee limits and a finance team automating vendor payouts across neft, rtgs and upi with maker checker approval are not what Qonto is typically brought in for.
What can Kodo do that Qonto cannot?
Kodo covers Corporate cards, Purchase requests, Invoice capture and matching, Vendor payouts.

Answered from the vendors’ own pages

Kodo: Who actually issues the cards?

A partner bank under a card network arrangement, not Kodo. Ask which bank, whether the product is credit or prepaid, and what happens to your limits if the partnership changes.

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
Kodo: Is pricing published?

No. Kodo quotes per customer, so benchmark against at least two Indian rivals before signing.

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
Kodo: Does Kodo work outside India?

No meaningful coverage outside India for card issuing or payouts.

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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