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Accounting · head to head

Payoneer vs Qonto

Payoneer logo

Payoneer

Accounting

One account. Infinite opportunities.

From
$29/month
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: Payoneer an annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months; Qonto pricing in EUR only, not USD
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Payoneer and Qonto actually diverge.

Attributes where Payoneer and Qonto differ
AttributePayoneerQonto
Starting price$29/month€9/month
Pricing modelusage-basedsubscription
PlatformsWeb, Ios, AndroidWeb
Founded2005Unknown

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 Payoneer

  • Receive payments
  • Multi-currency accounts
  • Working capital
  • Mass payouts
  • Marketplace integrations
  • Amazon
  • Fiverr
  • Upwork

Only in Qonto

Nothing recorded that Payoneer does not also cover.

What people use each for

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

Payoneer

  • Freelancer payment collection from Upwork, Fiverr, and global marketplacesnot Qonto
  • Multi-currency account management with 70+ currencies supportednot Qonto
  • International wire transfers to 190+ countries and territoriesnot Qonto
  • Business contractor payments and global workforce managementnot Qonto
  • Marketplace mass payouts for seller platforms and gig economynot Qonto

Qonto

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

Where each one falls short

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

Payoneer

  • An annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months
  • The Payoneer card carries a $29.95 USD annual fee and $12.95 USD for a replacement
  • Converting between Payoneer balances in different currencies costs 0.50%
  • Receiving into a non local currency receiving account costs 1%, minimum $1.00 USD
  • Receiving by credit card costs up to 3.99% plus $0.49 USD
  • Withdrawing to a bank in the recipient's local currency costs 1.2% to 4%
  • ATM withdrawals cost $3.15 USD plus up to 1.8%, rising to 3.5% when currency is converted
  • Card purchases requiring conversion cost up to 3.5%

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

Payoneer

$29/month
  • StandardFree
    • Receive payments
    • Multi-currency
    • Marketplace 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 Payoneer if

  • You need receive payments.
  • You work on Web, Ios, Android.
  • You also want multi-currency accounts.
Payoneer review

Choose Qonto if

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

Qonto review

Questions people ask

Is Payoneer or Qonto better?
Neither clearly leads. Payoneer starts at $29/month and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Payoneer or Qonto?
Payoneer starts at $29/month and Qonto at €9/month.
Does Payoneer or Qonto run on more platforms?
Payoneer runs on Web, Ios, Android. Qonto runs on Web.
What is Payoneer best used for?
Payoneer is most often used for freelancer payment collection from upwork, fiverr, and global marketplaces, multi-currency account management with 70+ currencies supported, international wire transfers to 190+ countries and territories, business contractor payments and global workforce management. Of those, freelancer payment collection from upwork, fiverr, and global marketplaces and multi-currency account management with 70+ currencies supported are not what Qonto is typically brought in for.
What can Payoneer do that Qonto cannot?
Payoneer covers Receive payments, Multi-currency accounts, Working capital, Mass payouts.

Answered from the vendors’ own pages

Payoneer: What are Payoneer's withdrawal fees?

Payoneer states its mission is to simplify international payments, but specific withdrawal fees are not published on the homepage. Fee details are accessed via the pricing section.

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
Payoneer: How much does Payoneer charge for currency conversion?

Payoneer manages multi-currency transactions but does not display conversion rates or fee percentages on the main website.

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
Payoneer: Is there a monthly fee to keep a Payoneer account?

Payoneer does not list account maintenance fees on its homepage. Specific pricing for account types (freelancer, business, marketplace) requires accessing the pricing page.

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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