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Personal Finance · head to head

Mint vs Qonto

Mint logo

Mint

Personal Finance

All your money in one app

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 Mint has a free tier, so it costs nothing to try first.
  • Each has a real cost: Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere; Qonto pricing in EUR only, not USD

Where they differ

Only the attributes on which Mint and Qonto actually diverge.

Attributes where Mint and Qonto differ
AttributeMintQonto
Starting priceFree€9/month
Pricing modelfreesubscription
Free tierYesNo
PlatformsWeb, iOS, AndroidWeb
CategoryPersonal FinanceAccounting
Founded2006Unknown

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 Mint

  • Expense tracking
  • Budgets
  • Bill tracking
  • Credit score monitoring
  • Financial insights
  • Bank connections
  • Bank-level encryption
  • Verisign secured

Only in Qonto

Nothing recorded that Mint does not also cover.

What people use each for

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

Mint

  • Legacy free budget tracking for users with supported bank connectionsnot Qonto
  • Users transitioning to Credit Karma for continued money management featuresnot Qonto

Qonto

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

Where each one falls short

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

Mint

  • Service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • Bank connections supported for only 17,000 financial institutions; many regional or international banks not supported

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

Mint

Free

No published plan breakdown. See the Mint 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 Mint if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want budgets.
Mint review

Choose Qonto if

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

Qonto review

Questions people ask

Is Mint or Qonto better?
Neither clearly leads. Mint 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, Mint or Qonto?
Mint has a free tier; the other does not. Paid plans start at Free for Mint and €9/month for Qonto.
Does Mint or Qonto run on more platforms?
Mint runs on Web, iOS, Android. Qonto runs on Web.
Can I use Mint for free?
Yes. Mint has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is Mint best used for?
Mint is most often used for legacy free budget tracking for users with supported bank connections, users transitioning to credit karma for continued money management features. Of those, legacy free budget tracking for users with supported bank connections and users transitioning to credit karma for continued money management features are not what Qonto is typically brought in for.
What can Mint do that Qonto cannot?
Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring.

Answered from the vendors’ own pages

Mint: Is Mint still actively sold?

Mint has been reimagined on Credit Karma. The Mint website now directs users to check out the new platform on Credit Karma's net worth signup page rather than maintaining a standalone product.

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
Mint: What pricing information is available on the Mint homepage?

The Mint page does not disclose pricing details. For current pricing information, users should visit Credit Karma's website or contact support directly.

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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