Softwr

Accounting · head to head

Moss vs Qonto

Moss logo

Moss

Accounting

European corporate cards, invoice management and accounting automation

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: Moss pricing is not published anywhere, so the only way to compare Moss with Pleo or Payhawk is to run parallel sales processes and reveal your spend volume to all of them.; 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 Moss and Qonto actually diverge.

Attributes where Moss and Qonto differ
AttributeMossQonto
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 Moss

  • Corporate credit cards
  • Invoice management
  • Employee reimbursements
  • DATEV export
  • Accounting preparation
  • Budgets and teams
  • Receipt matching
  • Multi entity

Only in Qonto

Nothing recorded that Moss does not also cover.

What people use each for

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

Moss

  • A German company whose tax adviser works in DATEV and needs card and invoice data exported without manual rekeyingnot Qonto
  • A finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capitalnot Qonto
  • A business consolidating supplier invoice approval and card spend into one approval chainnot Qonto
  • A group with entities in Germany, the Netherlands and Spain wanting one spend view across themnot Qonto

Qonto

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

Where each one falls short

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

Moss

  • Pricing is not published anywhere, so the only way to compare Moss with Pleo or Payhawk is to run parallel sales processes and reveal your spend volume to all of them.
  • Card limits are underwritten, so early stage companies and businesses with thin filed accounts are routinely offered limits well below what they need and the limit can be reduced on review.
  • Coverage is European and weighted to DACH, so any group with United States or Asian entities has to run a second card programme and reconcile two systems.
  • Invoice management is capable but not a full procurement or purchase order system, so businesses needing three way matching against goods receipts will find it thin.
  • As a non bank the credit product depends on partner banks and funding lines, which means the terms behind your limit are set by a party you do not contract with and can change without you being the cause.

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

Moss

On request
  • Moss$undefined/year
    • Platform fee plus per user components, quoted per customer
    • Card limits set by underwriting against company financials
    • DATEV export and accounting preparation included in core plans

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 Moss if

  • You need corporate credit cards.
  • You work on Web, iOS, Android.
  • You also want invoice management.
Moss review

Choose Qonto if

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

Qonto review

Questions people ask

Is Moss or Qonto better?
Neither clearly leads. Moss 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, Moss or Qonto?
Moss starts at On request and Qonto at €9/month.
Does Moss or Qonto run on more platforms?
Moss runs on Web, iOS, Android. Qonto runs on Web.
What is Moss best used for?
Moss is most often used for a german company whose tax adviser works in datev and needs card and invoice data exported without manual rekeying, a finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capital, a business consolidating supplier invoice approval and card spend into one approval chain, a group with entities in germany, the netherlands and spain wanting one spend view across them. Of those, a german company whose tax adviser works in datev and needs card and invoice data exported without manual rekeying and a finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capital are not what Qonto is typically brought in for.
What can Moss do that Qonto cannot?
Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export.

Answered from the vendors’ own pages

Moss: Does Moss issue credit or prepaid cards?

Credit in its core German offer, settled monthly against an underwritten limit, rather than requiring a pre funded balance.

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
Moss: Is DATEV export genuinely automatic?

Yes, bookings and receipt images export in DATEV format, which is the main reason German finance teams choose it over non German tools.

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
Moss: Does Moss work outside Europe?

Not meaningfully. Coverage centres on Germany, Austria, the Netherlands, the UK and Spain, so global groups need a second provider.

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
Share

Related pages

More on Moss

More on Qonto

Keep looking

Other head to heads