Is Navan or Qonto better?

Neither clearly leads. Navan 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, Navan or Qonto?

Navan has a free tier; the other does not. Paid plans start at Free for Navan and €9/month for Qonto.

Does Navan or Qonto run on more platforms?

Navan runs on Web, iOS, Android, API. Qonto runs on Web.

Can I use Navan for free?

Yes. Navan has a free tier, so you can try it without paying. Qonto starts at €9/month.

What is Navan best used for?

Navan is most often used for mid-market and enterprise companies automating travel and expense workflows, organisations seeking to reduce travel costs through policy enforcement and ai-driven discounts, teams utilising corporate card programmes for spend tracking without receipt capture overhead, global enterprises requiring multi-currency support and erp integration. Of those, mid-market and enterprise companies automating travel and expense workflows and organisations seeking to reduce travel costs through policy enforcement and ai-driven discounts are not what Qonto is typically brought in for.

Accounting · head to head

Navan vs Qonto

Navan

Accounting

AI-powered corporate travel and expense management with integrated corporate card

From: Free
Rated: -

Full review Website

Qonto

Accounting

French neobank and finance management platform for freelancers, SMEs and businesses

From: €9/month
Rated: -

Full review Website

The short version

Only Navan has a free tier, so it costs nothing to try first.
Each has a real cost: Navan enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs; 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 Navan and Qonto actually diverge.

Attributes where Navan and Qonto differ
Attribute	Navan	Qonto
Starting price	Free	€9/month
Pricing model	freemium	subscription
Free tier	Yes	No
Platforms	Web, iOS, Android, API	Web

Identical on both: user rating (Not yet rated), category (Accounting).

What people use each for

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

Navan

Mid-market and enterprise companies automating travel and expense workflowsnot Qonto
Organisations seeking to reduce travel costs through policy enforcement and AI-driven discountsnot Qonto
Teams utilising corporate card programmes for spend tracking without receipt capture overheadnot Qonto
Global enterprises requiring multi-currency support and ERP integrationnot Qonto
Companies where employee autonomy is prioritised; AI assistant enables self-service booking and policy compliancenot Qonto

Qonto

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

Where each one falls short

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

Navan

Enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs
Expense management charges apply beyond 5 users, increasing per-user costs for larger teams
Corporate card programmes (Navan Card, Connect) complicate adoption by requiring banking integration
AI assistant (Navan Edge) lacks transparency on data handling; unclear whether conversation data is retained for model training
Limited EMEA coverage; emerging market travel inventory less comprehensive than global GDS systems

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

Navan

Free

Navan BusinessFree
- Unlimited flight, hotel, train, rental car bookings
- Global inventory across 178+ countries
- 24/7 travel support
Navan Business (Expense add-on)$15/month
- Additional expense management users (beyond 5 free)
- Receipt scanning and categorisation
- ERP integration (30+ connectors)
Navan EnterpriseFree
- Custom pricing
- Dedicated account management
- Negotiated corporate rates

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 Navan if

You want to start without paying.
You work on Web, iOS, Android, API.

Navan review

Choose Qonto if

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

Qonto review

Questions people ask

Is Navan or Qonto better?: Neither clearly leads. Navan 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, Navan or Qonto?: Navan has a free tier; the other does not. Paid plans start at Free for Navan and €9/month for Qonto.
Does Navan or Qonto run on more platforms?: Navan runs on Web, iOS, Android, API. Qonto runs on Web.
Can I use Navan for free?: Yes. Navan has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is Navan best used for?: Navan is most often used for mid-market and enterprise companies automating travel and expense workflows, organisations seeking to reduce travel costs through policy enforcement and ai-driven discounts, teams utilising corporate card programmes for spend tracking without receipt capture overhead, global enterprises requiring multi-currency support and erp integration. Of those, mid-market and enterprise companies automating travel and expense workflows and organisations seeking to reduce travel costs through policy enforcement and ai-driven discounts are not what Qonto is typically brought in for.

Answered from the vendors’ own pages

Navan: Is Navan's travel booking free?

Yes. Navan Business travel bookings are free, supported by supplier commissions. Expense management is free for the first 5 users monthly; additional users cost £15/month each.

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

Navan: What is Navan Edge?

Navan Edge is an AI travel assistant integrated into chat that handles flight, hotel, and restaurant enquiries, provides recommendations, processes cancellations and rebookings, and escalates to human support 24/7.

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

Navan: Does Navan integrate with our ERP system?

Yes. Navan provides 30+ pre-built ERP connectors (SAP, Oracle, NetSuite, etc.) and REST APIs for real-time spend sync and invoice reconciliation.

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

Navan vs Qonto

Navan

Qonto

The short version

Where they differ

What people use each for

Navan

Qonto

Where each one falls short

Navan

Qonto

Pricing, plan by plan

Navan

Qonto

Which should you pick?

Choose Navan if

Choose Qonto if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Navan

More on Qonto

Keep looking

Other head to heads