Finance · head to head
Qonto vs Microsoft Excel
Qonto
Finance
French neobank and finance management platform for freelancers, SMEs and businesses
- From
- On request
- Rated
- -
Microsoft Excel
Finance
Spreadsheet software for data analysis and visualization
- From
- $6.99/month
- Rated
- -
The short version
- Each has a real cost: Qonto basic self-employed plan is capped at 30 transfers per month and 1 physical plus 2 virtual cards for EUR 9/month; Microsoft Excel standalone free web version caps storage at 5 GB, and desktop apps require a Microsoft 365 Personal subscription starting at 9.99 USD per month
Where they differ
Only the attributes on which Qonto and Microsoft Excel actually diverge.
| Attribute | Qonto | Microsoft Excel |
|---|---|---|
| Starting price | On request | $6.99/month |
| Platforms | Web | Windows, Macos, Web, Ios, Android |
| Founded | Unknown | 1975 |
Identical on both: pricing model (subscription), free tier (No), user rating (Not yet rated), category (Finance).
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 Qonto
Nothing recorded that Microsoft Excel does not also cover.
Only in Microsoft Excel
- Advanced formulas
- Pivot tables
- Data visualization
- Charts and graphs
- Conditional formatting
- Data analysis tools
- Macro automation
- Collaboration features
What people use each for
The jobs each tool is most often brought in to do.
Qonto
No use cases recorded yet. See the Qonto review.
Microsoft Excel
- Financial modelingnot Qonto
- Data analysisnot Qonto
- Budget planningnot Qonto
- Reportingnot Qonto
- Business intelligencenot Qonto
- Statistical analysisnot Qonto
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Qonto
- Basic self-employed plan is capped at 30 transfers per month and 1 physical plus 2 virtual cards for EUR 9/month
- Even the top Enterprise plan at EUR 199/month caps transfers at 10,000 per month and sub-accounts at 99, so very high-volume businesses hit limits without a custom contract
Microsoft Excel
- Standalone free web version caps storage at 5 GB, and desktop apps require a Microsoft 365 Personal subscription starting at 9.99 USD per month
Pricing, plan by plan
Qonto
On requestNo published plan breakdown. See the Qonto review.
Microsoft Excel
$6.99/month- Excel$6.99/month
- Excel desktop app
- Excel web app
- 5GB OneDrive storage
- Microsoft 365 Personal$6.99/month
- Excel + full Office suite
- 1TB OneDrive storage
- Premium templates
- Microsoft 365 Family$9.99/month
- Up to 6 users
- 6TB total OneDrive storage
- Premium features
Which should you pick?
Choose Qonto if
Nothing in the data separates Qonto from Microsoft Excel on the points above - pick on price and on how each one feels to use.
Choose Microsoft Excel if
- You need advanced formulas.
- You work on Windows, Macos, Web, Ios, Android.
- You also want pivot tables.
Questions people ask
- Is Qonto or Microsoft Excel better?
- Neither clearly leads. Qonto starts at On request and Microsoft Excel at $6.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Qonto or Microsoft Excel?
- Qonto starts at On request and Microsoft Excel at $6.99/month.
- Does Qonto or Microsoft Excel run on more platforms?
- Qonto runs on Web. Microsoft Excel runs on Windows, Macos, Web, Ios, Android.
- What can Qonto do that Microsoft Excel cannot?
- Microsoft Excel covers Advanced formulas, Pivot tables, Data visualization, Charts and graphs.