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Accounting · head to head

Lexware vs Qonto

Lexware logo

Lexware

Accounting

Accounting and invoicing software for German small businesses and freelancers

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 Lexware has a free tier, so it costs nothing to try first.
  • Each has a real cost: Lexware 50% discount only applies for first 3 months; 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 Lexware and Qonto actually diverge.

Attributes where Lexware and Qonto differ
AttributeLexwareQonto
Starting priceFree€9/month
Free tierYesNo

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.

Lexware

  • German business accountingnot Qonto
  • Invoicing and bookkeepingnot Qonto

Qonto

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

Where each one falls short

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

Lexware

  • 50% discount only applies for first 3 months
  • Regular prices are double the discounted prices after promotion
  • Pricing is in EUR only

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

Lexware

Free
  • S$3.95/month
    • Belegerfassung und -archiv (Document capture and archive)
  • M$6.45/month
    • Angebote, (E-) Rechnungen und Mahnungen (Offers, invoices, reminders)
  • L$10.95/month
    • Buchhaltung, EÜR und Umsatzsteuer (Accounting, EÜR, sales tax)
  • XL$16.45/month
    • EU- und Abschlagsrechnungen, API (EU invoices, installment invoices, API)

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 Lexware if

  • You want to start without paying.
Lexware review

Choose Qonto if

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

Qonto review

Questions people ask

Is Lexware or Qonto better?
Neither clearly leads. Lexware 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, Lexware or Qonto?
Lexware has a free tier; the other does not. Paid plans start at Free for Lexware and €9/month for Qonto.
Does Lexware or Qonto run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use Lexware for free?
Yes. Lexware has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is Lexware best used for?
Lexware is most often used for german business accounting, invoicing and bookkeeping. Of those, german business accounting and invoicing and bookkeeping are not what Qonto is typically brought in for.

Answered from the vendors’ own pages

Lexware: How much does Lexware cost?

Lexware pricing ranges from €3.95/month (plan S) to €16.45/month (plan XL) at discounted rates. Regular pricing is €7.90 to €32.90/month. All prices include hosting, backups, updates, and support.

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
Lexware: Is there a current promotional offer?

Yes, Lexware offers 50% discount for the first 3 months on all plans, then regular pricing applies. The billing period is monthly and cancellable anytime.

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
Lexware: Does Lexware offer a free trial?

Yes, Lexware offers a 30-day free trial with full XL features plus Lohn & Gehalt (payroll) access included.

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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