Is Pleo or Qonto better?

Neither clearly leads. Pleo starts at £9.5/month and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Pleo or Qonto?

Pleo starts at £9.5/month and Qonto at €9/month.

Does Pleo or Qonto run on more platforms?

Pleo runs on iOS, Android, Web. Qonto runs on Web.

What is Pleo best used for?

Pleo is most often used for employee expenses, spending autonomy, expense automation. Of those, employee expenses and spending autonomy are not what Qonto is typically brought in for.

What can Pleo do that Qonto cannot?

Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits.

Accounting · head to head

Pleo vs Qonto

Pleo

Accounting

Smart company cards for forward-thinking teams

From: £9.5/month
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

Each has a real cost: Pleo card delays and transaction limits impact usability, with limited regional acceptance in some areas; 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 Pleo and Qonto actually diverge.

Attributes where Pleo and Qonto differ
Attribute	Pleo	Qonto
Starting price	£9.5/month	€9/month
Pricing model	Unknown	subscription
Platforms	iOS, Android, Web	Web
Founded	2015	Unknown

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 Pleo

Company cards
Receipt capture
Expense categorization
Spend limits
Accounting sync
Xero
QuickBooks
Sage

Only in Qonto

Nothing recorded that Pleo does not also cover.

What people use each for

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

Pleo

Employee expensesnot Qonto
Spending autonomynot Qonto
Expense automationnot Qonto

Qonto

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

Where each one falls short

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

Pleo

Card delays and transaction limits impact usability, with limited regional acceptance in some areas
Receipt capture OCR inaccuracies and upload lag/glitches complicate expense categorization
Limited expense categories and tags reduce flexibility for complex accounting structures
Transaction approval workflows have minimal customization options
Lacks in-built forecasting tools and reporting is basic, providing limited insights into trends

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

Pleo

£9.5/month

Starter$9.5/month
- Company cards
- Real-time expense tracking
- Automated reports
Essential$39/month
- Reimbursements
- Mileage and per diem
- Vendor cards
Advanced$89/month
- Cashback
- Budgets
- Multi-entity management
Beyond$179/month
- Spending insights
- Sub-wallets
- Dedicated success manager

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 Pleo if

You need company cards.
You work on iOS, Android, Web.
You also want receipt capture.

Pleo review

Choose Qonto if

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

Qonto review

Questions people ask

Is Pleo or Qonto better?: Neither clearly leads. Pleo starts at £9.5/month and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Pleo or Qonto?: Pleo starts at £9.5/month and Qonto at €9/month.
Does Pleo or Qonto run on more platforms?: Pleo runs on iOS, Android, Web. Qonto runs on Web.
What is Pleo best used for?: Pleo is most often used for employee expenses, spending autonomy, expense automation. Of those, employee expenses and spending autonomy are not what Qonto is typically brought in for.
What can Pleo do that Qonto cannot?: Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits.

Answered from the vendors’ own pages

Pleo: What are Pleo's pricing tiers?

Pleo offers four pricing tiers: Starter (GBP 9.50/month), Essential (GBP 39.00/month), Advanced (GBP 89.00/month), and Beyond (GBP 179.00/month). Annual billing provides equivalent of two free months.

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

Pleo: Does Pleo have a free tier?

No, Pleo does not offer a free tier or permanent free plan. All plans require payment with a free trial available for evaluation.

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

Pleo: What integrations does Pleo support for accounting?

Pleo integrates directly with Xero and QuickBooks, plus Sage 200, Sage 50, Microsoft Dynamics 365 Business Central, Datev, and Visma e-conomic. Zapier integrations are also available.

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

Pleo: What platforms can access Pleo?

Pleo is accessible via iOS and Android mobile apps, and through a web interface. Physical and virtual cards are issued for spending.

Source

Pleo: Does Pleo support multiple currencies?

Yes, Pleo supports multi-currency spending and transactions. The platform is particularly strong for European teams with local payment methods.

Source

Pleo vs Qonto

Pleo

Qonto

The short version

Where they differ

What each one covers

Only in Pleo

Only in Qonto

What people use each for

Pleo

Qonto

Where each one falls short

Pleo

Qonto

Pricing, plan by plan

Pleo

Qonto

Which should you pick?

Choose Pleo if

Choose Qonto if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Pleo

More on Qonto

Keep looking

Other head to heads