Softwr

Accounting · head to head

Netvisor vs Qonto

Netvisor logo

Netvisor

Accounting

Finnish intelligent financial management and payroll software

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 Netvisor has a free tier, so it costs nothing to try first.
  • Each has a real cost: Netvisor payroll and travel expenses incur additional per-employee costs of 6.50 to 2.30 euros; Qonto pricing in EUR only, not USD

Where they differ

Only the attributes on which Netvisor and Qonto actually diverge.

Attributes where Netvisor and Qonto differ
AttributeNetvisorQonto
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.

Netvisor

  • Automating bank feed reconciliation for multiple business accountsnot Qonto
  • Generating sales tax reports from invoicing transactionsnot Qonto
  • Creating monthly P&L reports with budget variance analysisnot Qonto
  • Managing inventory counts with real-time stock level updatesnot Qonto

Qonto

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

Where each one falls short

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

Netvisor

  • Payroll and travel expenses incur additional per-employee costs of 6.50 to 2.30 euros
  • Inventory management costs 70 euros per month minimum

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

Netvisor

Free
  • Starter$25/month
    • Basic accounting, 1000 transactions, invoicing, payroll for 1 person
  • Basic$25/month
    • Basic accounting plus invoicing, 2.06 euros per invoice item, unlimited users, email support
  • Core$25/month
    • All Basic features, invoices included in monthly cost
  • Professional$25/month
    • All Core features, broadest software interface, budgeting, reporting, forecasting, purchase and sales orders

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 Netvisor if

  • You want to start without paying.
Netvisor review

Choose Qonto if

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

Qonto review

Questions people ask

Is Netvisor or Qonto better?
Neither clearly leads. Netvisor 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, Netvisor or Qonto?
Netvisor has a free tier; the other does not. Paid plans start at Free for Netvisor and €9/month for Qonto.
Does Netvisor or Qonto run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use Netvisor for free?
Yes. Netvisor has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is Netvisor best used for?
Netvisor is most often used for automating bank feed reconciliation for multiple business accounts, generating sales tax reports from invoicing transactions, creating monthly p&l reports with budget variance analysis, managing inventory counts with real-time stock level updates. Of those, automating bank feed reconciliation for multiple business accounts and generating sales tax reports from invoicing transactions are not what Qonto is typically brought in for.

Answered from the vendors’ own pages

Netvisor: Does Netvisor offer a free trial?

Netvisor offers a free first month, after which the account requires payment. The trial is cancellable anytime during the trial period.

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
Netvisor: How much does Netvisor cost?

Netvisor's base plans start at 25 euros per month for Starter, Basic, Core, or Professional tiers. The first month is free.

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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