Softwr

Accounting · head to head

Qonto vs Remitly

Qonto logo

Qonto

Accounting

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

From
€9/month
Rated
-
Full reviewWebsite
Remitly logo

Remitly

Personal Finance

Send money faster to loved ones abroad

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Qonto pricing in EUR only, not USD; Remitly specific transfer fees and exchange rates not published on website; users must check rates page

Where they differ

Only the attributes on which Qonto and Remitly actually diverge.

Attributes where Qonto and Remitly differ
AttributeQontoRemitly
Starting price€9/monthOn request
Pricing modelsubscriptiontransaction
PlatformsWebWeb, IOS, Android
CategoryAccountingPersonal Finance
FoundedUnknown2011

Identical on both: free tier (No), user rating (Not yet rated).

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 Remitly does not also cover.

Only in Remitly

  • International remittances
  • Multiple delivery methods
  • Send money to 200+ countries
  • Currency conversion
  • Bank accounts
  • Web support
  • IOS support
  • Android support

What people use each for

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

Qonto

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

Remitly

  • International money transfer and remittance servicenot Qonto
  • Cross-border payments for personal financial needsnot Qonto

Where each one falls short

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

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

Remitly

  • Specific transfer fees and exchange rates not published on website; users must check rates page
  • Costs vary by destination country, transfer amount, and delivery method
  • No standardized fee schedule available for pricing comparison

Pricing, plan by plan

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

Remitly

On request
  • Express$undefined/month
    • Fast transfers
    • Multiple delivery methods
  • Economy$undefined/month
    • Lower cost option
    • 3-4 day delivery

Which should you pick?

Choose Qonto if

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

Qonto review

Choose Remitly if

  • You need international remittances.
  • You work on Web, IOS, Android.
  • You also want multiple delivery methods.
Remitly review

Questions people ask

Is Qonto or Remitly better?
Neither clearly leads. Qonto starts at €9/month and Remitly at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Qonto or Remitly?
Qonto starts at €9/month and Remitly at On request.
Does Qonto or Remitly run on more platforms?
Qonto runs on Web. Remitly runs on Web, IOS, Android.
What is Qonto best used for?
Qonto is most often used for business banking, team payments, cash flow management, multi-currency transfers. Of those, business banking and team payments are not what Remitly is typically brought in for.
What can Qonto do that Remitly cannot?
Remitly covers International remittances, Multiple delivery methods, Send money to 200+ countries, Currency conversion.

Answered from the vendors’ own pages

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
Remitly: How much does Remitly charge for transfers?

Remitly fees vary by destination country, transfer amount, and delivery speed. The company emphasizes no hidden fees but does not publish a standardized rate table on their main site. Users must visit the Rates and Fees page or enter transfer details in the app for specific pricing.

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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