Softwr

Accounting · head to head

Qonto vs Sage 50

Qonto logo

Qonto

Accounting

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

From
€9/month
Rated
-
Full reviewWebsite
Sage 50 logo

Sage 50

Accounting

Windows desktop accounting with the ledger held in a local data file rather than in a browser

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Qonto pricing in EUR only, not USD; Sage 50 it is a Windows desktop application, so Mac users need a virtual machine or a hosted desktop, and every added remote worker becomes a hosting bill rather than another browser tab.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Qonto and Sage 50 actually diverge.

Attributes where Qonto and Sage 50 differ
AttributeQontoSage 50
Starting price€9/month$29/month
PlatformsWebWindows
FoundedUnknown1981

Identical on both: pricing model (subscription), 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 Sage 50 does not also cover.

Only in Sage 50

  • Local company data file
  • Nominal, sales and purchase ledgers
  • Bank reconciliation
  • VAT and sales tax handling
  • Stock control
  • Job and project costing
  • Multi user access
  • Microsoft 365 integration

What people use each for

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

Qonto

  • Business bankingnot Sage 50
  • Team paymentsnot Sage 50
  • Cash flow managementnot Sage 50
  • Multi-currency transfersnot Sage 50
  • Freelancer paymentsnot Sage 50

Sage 50

  • An established small business that wants its accounting data physically in the building rather than on a vendor's serversnot Qonto
  • A construction or trade business needing job costing and stock depth that the entry level cloud products do not matchnot Qonto
  • A company with unreliable internet where a browser only ledger would stop work whenever the line dropsnot Qonto
  • A long standing user with a decade of transaction history in the file for whom migrating to anything else is the expensive optionnot 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

Sage 50

  • It is a Windows desktop application, so Mac users need a virtual machine or a hosted desktop, and every added remote worker becomes a hosting bill rather than another browser tab.
  • Multi user working shares a data file over the network, so all users effectively need to be on the same local network or on the same hosted server, and file corruption in a shared file environment is a recovery from backup rather than a support ticket.
  • The United States and United Kingdom editions are separate products with different tax engines, so a business trading in both markets cannot run one Sage 50 across them, and experience or add ons from one edition do not transfer to the other.
  • Additional users are licensed individually at full price, which means a part time bookkeeper, an approver who signs off purchase invoices and a manager who only ever reads reports all cost the same as the full time finance person.
  • Sage's development effort has moved to its cloud accounting products, so the eventual move off Sage 50 is a re-implementation with historical data conversion and a fresh chart of accounts rather than an in place upgrade, and that project only gets larger the longer the file grows.

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

Sage 50

$29/month
  • Pro Accounting$50/month
    • Core accounting
    • 1 user
    • Basic reports
  • Premium Accounting$85/month
    • 5 users
    • Job costing
    • Inventory

Which should you pick?

Choose Qonto if

Nothing in the data separates Qonto from Sage 50 on the points above - pick on price and on how each one feels to use.

Qonto review

Choose Sage 50 if

  • You need local company data file.
  • You work on Windows.
  • You also want nominal, sales and purchase ledgers.
Sage 50 review

Questions people ask

Is Qonto or Sage 50 better?
Neither clearly leads. Qonto starts at €9/month and Sage 50 at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Qonto or Sage 50?
Qonto starts at €9/month and Sage 50 at $29/month.
Does Qonto or Sage 50 run on more platforms?
Qonto runs on Web. Sage 50 runs on Windows.
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 Sage 50 is typically brought in for.
What can Qonto do that Sage 50 cannot?
Sage 50 covers Local company data file, Nominal, sales and purchase ledgers, Bank reconciliation, VAT and sales tax handling.

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
Sage 50: Is Sage 50 cloud software?

No. The application runs on Windows and the ledger is a local file. The Sage 50cloud tiers add Microsoft 365 integration and a sync service for remote access, but the accounting itself is still desktop software.

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
Sage 50: Can my accountant work in it?

Yes, and many accountants in the United Kingdom and the United States know it well. Practically they will either take a backup of the company file, or connect through the remote data access service, or work on a hosted copy. Agree which of those before you start.

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
Sage 50: Does it still require an annual subscription?

Sage moved Sage 50 to subscription licensing, so continued access and tax table updates depend on an active subscription. Confirm what happens to your ability to open historical data if you stop paying.

Sage 50: Is the United Kingdom version the same product as the United States version?

No. They share a name and a heritage but they are different codebases with different tax handling. Buy the edition for the country where you file.

Sage 50: What about payroll?

Payroll is a separate Sage product with its own subscription and per employee cost. Budget for it separately rather than assuming the accounting subscription covers it.

Sage 50: How hard is it to move to a cloud system later?

Expect to convert opening balances and a limited window of transaction history rather than the full file, and to redo the chart of accounts, the customer and supplier records and any custom reports. Most businesses do it at a year end for that reason.

Share

Related pages

More on Qonto

More on Sage 50

Keep looking

Other head to heads