Accounting · head to head
Medius Expense vs Qonto
Medius Expense
Accounting
Expense management, formerly Expensya, now the expense module of the Medius spend platform
- From
- On request
- Rated
- -
Qonto
Accounting
French neobank and finance management platform for freelancers, SMEs and businesses
- From
- €9/month
- Rated
- -
The short version
- Each has a real cost: Medius Expense the Expensya name is being retired, so contracts, logins and support articles change identity mid-relationship and internal documentation has to be rewritten.; 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 Medius Expense and Qonto actually diverge.
| Attribute | Medius Expense | Qonto |
|---|---|---|
| Starting price | On request | €9/month |
| Pricing model | quote | subscription |
| Platforms | Web, iOS, Android | Web |
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 Medius Expense
- Receipt OCR
- Mileage and per diem
- VAT recovery
- Card reconciliation
- Approval workflows
- AP suite integration
Only in Qonto
Nothing recorded that Medius Expense does not also cover.
What people use each for
The jobs each tool is most often brought in to do.
Medius Expense
- A French or Spanish employer needing VAT-compliant receipt capture in local formats and languagesnot Qonto
- A company already running Medius for supplier invoices that wants employee spend on the same platformnot Qonto
- A finance team with heavy mileage claims needing statutory rates applied without spreadsheetsnot Qonto
- A group consolidating several country expense tools into one European platformnot Qonto
Qonto
- Business bankingnot Medius Expense
- Team paymentsnot Medius Expense
- Cash flow managementnot Medius Expense
- Multi-currency transfersnot Medius Expense
- Freelancer paymentsnot Medius Expense
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Medius Expense
- The Expensya name is being retired, so contracts, logins and support articles change identity mid-relationship and internal documentation has to be rewritten.
- It is now a module inside an accounts payable suite, so expense-specific roadmap items compete with supplier invoice work for engineering time.
- Pricing is not published and is discounted against bundling with Medius AP, which makes standalone expense quotes less competitive than they look.
- Strength is concentrated in Europe and the Maghreb; North American and Asian tax and mileage handling are thinner than the European coverage.
- It does not issue cards, so real-time spend controls are absent and it relies on card feed reconciliation after the fact.
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
Medius Expense
On request- Medius Expense$undefined/year
- Per-user subscription, quoted not published
- Tiering by feature set and entity count
- Implementation and OCR configuration fees
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 Medius Expense if
- You need receipt ocr.
- You work on Web, iOS, Android.
- You also want mileage and per diem.
Choose Qonto if
Nothing in the data separates Qonto from Medius Expense on the points above - pick on price and on how each one feels to use.
Questions people ask
- Is Medius Expense or Qonto better?
- Neither clearly leads. Medius Expense 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, Medius Expense or Qonto?
- Medius Expense starts at On request and Qonto at €9/month.
- Does Medius Expense or Qonto run on more platforms?
- Medius Expense runs on Web, iOS, Android. Qonto runs on Web.
- What is Medius Expense best used for?
- Medius Expense is most often used for a french or spanish employer needing vat-compliant receipt capture in local formats and languages, a company already running medius for supplier invoices that wants employee spend on the same platform, a finance team with heavy mileage claims needing statutory rates applied without spreadsheets, a group consolidating several country expense tools into one european platform. Of those, a french or spanish employer needing vat-compliant receipt capture in local formats and languages and a company already running medius for supplier invoices that wants employee spend on the same platform are not what Qonto is typically brought in for.
- What can Medius Expense do that Qonto cannot?
- Medius Expense covers Receipt OCR, Mileage and per diem, VAT recovery, Card reconciliation.
Answered from the vendors’ own pages
Medius Expense: Is Expensya still available?
Under that name, no. The product continues as Medius Expense, with the branding cutover on 30 September 2026 and no change to features or data.
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).
SourceMedius Expense: Do I have to buy Medius AP as well?
No, but the commercial terms improve materially if you do, which is worth testing during negotiation.
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.
SourceMedius Expense: Does it issue corporate cards?
No. It reconciles existing card feeds rather than issuing its own cards.
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.
SourceRelated pages
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