Softwr

Accounting · head to head

Moneybird vs Qonto

Moneybird logo

Moneybird

Accounting

Dutch online bookkeeping software for freelancers and growing entrepreneurs

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 Moneybird has a free tier, so it costs nothing to try first.
  • Each has a real cost: Moneybird compact tier severely limits functionality with only 5 monthly transactions; 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 Moneybird and Qonto actually diverge.

Attributes where Moneybird and Qonto differ
AttributeMoneybirdQonto
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.

Moneybird

  • Freelancer bookkeepingnot Qonto
  • Small business accountingnot Qonto
  • Growing entrepreneur accountingnot Qonto
  • Full-featured bookkeeping managementnot Qonto

Qonto

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

Where each one falls short

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

Moneybird

  • Compact tier severely limits functionality with only 5 monthly transactions
  • Bank connections limited to 5 on Start and Groei tiers until Compleet level
  • Multi-user support only available starting at Groei tier (29 EUR/month)

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

Moneybird

Free
  • Compact$3/month
    • 1 user
    • 5 monthly transactions limit
    • 0 bank connections
  • Start$15/month
    • 1 user
    • 20 monthly transactions
    • 5 bank connections
  • Groei$29/month
    • 5 users
    • 50 monthly transactions
    • 5 bank connections
  • Compleet$41/month
    • Unlimited users
    • Unlimited monthly transactions
    • Unlimited bank connections

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 Moneybird if

  • You want to start without paying.
Moneybird review

Choose Qonto if

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

Qonto review

Questions people ask

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

Answered from the vendors’ own pages

Moneybird: How much does Moneybird cost and what free trial is available?

Plans start at EUR 3/month for Compact tier, with a 60-day free trial offering full Compleet access (EUR 41/month value) at no cost. Annual billing offers up to 25% discount across all tiers.

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
Moneybird: What user limits exist across different Moneybird plans?

Compact and Start tiers are limited to 1 user. Groei supports 5 users. Compleet tier has unlimited users, making it the only option for multi-team organizations.

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
Moneybird: How many transactions can I process monthly on each Moneybird tier?

Compact allows 5 transactions/month, Start allows 20, Groei allows 50, and Compleet allows unlimited transactions. Transaction limits reset monthly.

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
Moneybird: Do Moneybird plans have bank connection limits?

Compact tier has zero bank connections. Start and Groei tiers each support 5 bank connections. Only the Compleet tier (EUR 41/month) offers unlimited bank connections.

Source
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