Softwr

Accounting · head to head

Qonto vs Rydoo

Qonto logo

Qonto

Accounting

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

From
€9/month
Rated
-
Full reviewWebsite
Rydoo logo

Rydoo

Accounting

Expense management with per-user pricing and a five-user minimum, built for European multi-entity teams

From
$10/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Qonto pricing in EUR only, not USD; Rydoo a five-user minimum means very small teams pay for seats they do not have, which removes Rydoo from consideration for firms of two or three.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Qonto and Rydoo actually diverge.

Attributes where Qonto and Rydoo differ
AttributeQontoRydoo
Starting price€9/month$10/month
Pricing modelsubscriptionPer user per month
PlatformsWebWeb, iOS, Android

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 Qonto

Nothing recorded that Rydoo does not also cover.

Only in Rydoo

  • Receipt OCR
  • Per diem engine
  • Mileage
  • VAT fields
  • Multi-entity
  • ERP export

What people use each for

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

Qonto

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

Rydoo

  • A Belgian or German employer that must apply statutory per diem rates correctly across staff travelling in several countriesnot Qonto
  • A group with five legal entities wanting one expense tool but separate approval chains and ledgersnot Qonto
  • A company that already has a corporate card programme and refuses to change banks to get expense softwarenot Qonto
  • A finance team recovering VAT on foreign travel and needing the fields captured at claim timenot 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

Rydoo

  • A five-user minimum means very small teams pay for seats they do not have, which removes Rydoo from consideration for firms of two or three.
  • Pricing is per user rather than per active user, so organisations where most staff claim expenses twice a year still pay a full seat every month for them.
  • There is no card issuing, so real-time spend control and pre-authorisation are outside the product and remain with your bank.
  • Per diem and multi-entity handling sit on the higher tier, so the countries that most need Rydoo generally cannot buy the cheap plan.
  • Receipt extraction quality varies by language and receipt format, and finance teams still review a meaningful share of claims by hand.

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

Rydoo

$10/month
  • Essentials$10/month
    • Around 9 per user per month billed annually
    • Five-user minimum
    • Receipt capture, approvals and accounting export
  • Pro$12/month
    • Around 11 per user per month billed annually
    • Per diem engine and advanced policy controls
    • Multi-entity and multi-currency handling
  • Enterprise$undefined/month
    • Quoted pricing
    • Custom ERP and single sign-on work
    • Dedicated support and onboarding

Which should you pick?

Choose Qonto if

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

Qonto review

Choose Rydoo if

  • You need receipt ocr.
  • You work on Web, iOS, Android.
  • You also want per diem engine.
Rydoo review

Questions people ask

Is Qonto or Rydoo better?
Neither clearly leads. Qonto starts at €9/month and Rydoo at $10/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Qonto or Rydoo?
Qonto starts at €9/month and Rydoo at $10/month.
Does Qonto or Rydoo run on more platforms?
Qonto runs on Web. Rydoo 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 Rydoo is typically brought in for.
What can Qonto do that Rydoo cannot?
Rydoo covers Receipt OCR, Per diem engine, Mileage, VAT fields.

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
Rydoo: Does Rydoo issue cards?

No. It is expense software only; you keep your existing corporate card or bank programme.

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
Rydoo: Is there a minimum?

Yes, pricing carries a five-user minimum, so the smallest bill is five seats regardless of headcount.

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
Rydoo: Do I need the Pro plan?

If you operate per diems, multiple legal entities or multi-currency claims, yes. Essentials is for single-entity receipt and approval workflows.

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