Is Qonto or sevdesk better?

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

Which is cheaper, Qonto or sevdesk?

sevdesk has a free tier; the other does not. Paid plans start at €9/month for Qonto and Free for sevdesk.

Does Qonto or sevdesk run on more platforms?

Both run on Web, so platform support will not decide this one for you.

Can I use sevdesk for free?

Yes. sevdesk has a free tier, so you can try it without paying. Qonto starts at €9/month.

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 sevdesk is typically brought in for.

Accounting · head to head

Qonto vs sevdesk

Qonto

Accounting

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

From: €9/month
Rated: -

Full review Website

sevdesk

Accounting

German accounting and invoicing software for small businesses and freelancers

From: Free
Rated: -

Full review Website

The short version

Only sevdesk has a free tier, so it costs nothing to try first.
Each has a real cost: Qonto pricing in EUR only, not USD; sevdesk the free Kostenlos plan caps invoices and e-invoices at just 3 per month, forcing an upgrade to the Rechnung plan for unlimited invoicing
Prices and features above were last checked on 29 August 2026.

Where they differ

Only the attributes on which Qonto and sevdesk actually diverge.

Attributes where Qonto and sevdesk differ
Attribute	Qonto	sevdesk
Starting price	€9/month	Free
Pricing model	subscription	freemium
Free tier	No	Yes

Identical on both: platforms (Web), user rating (Not yet rated), category (Accounting).

What people use each for

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

Qonto

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

sevdesk

Scanning receipts via mobile app and matching to transactionsnot Qonto
Creating VAT advance returns and filing with tax authoritiesnot Qonto
Generating XRechnung format invoices mandatory for B2B by 2025not Qonto
Recording bank transactions automatically across 4000+ supported banksnot Qonto
Managing unlimited invoices with automatic sales tax calculationsnot 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

sevdesk

The free Kostenlos plan caps invoices and e-invoices at just 3 per month, forcing an upgrade to the Rechnung plan for unlimited invoicing
API access and cost center tracking are reserved for the top Buchhaltung Pro tier at EUR 13.95 to EUR 34.90/month depending on commitment length, not included in the mid-tier Buchhaltung plan

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

sevdesk

Free

FreeFree
- Permanently free with no credit card required
- Up to 3 invoices/e-invoices monthly
- Unlimited contact creation
Rechnung (Invoice Plan)$11.9/month
- Regular: €11.90/month, discounted to €4.45/month on 24-month term
- Unlimited invoices, offers, e-invoices, and payment reminders
Buchhaltung (Accounting Plan)$25.9/month
- Recommended plan
- Regular: €25.90/month, discounted to €9.95/month on 24-month term
- Bookkeeping features, AI-powered receipt capture, tax filing
Buchhaltung Pro (Accounting Pro)$34.9/month
- Regular: €34.90/month, discounted to €13.95/month on 24-month term
- Cost center analysis, REST-API access, business financial analysis (BWA)

Which should you pick?

Choose Qonto if

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

Qonto review

Choose sevdesk if

You want to start without paying.

sevdesk review

Questions people ask

Is Qonto or sevdesk better?: Neither clearly leads. Qonto starts at €9/month and sevdesk at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Qonto or sevdesk?: sevdesk has a free tier; the other does not. Paid plans start at €9/month for Qonto and Free for sevdesk.
Does Qonto or sevdesk run on more platforms?: Both run on Web, so platform support will not decide this one for you.
Can I use sevdesk for free?: Yes. sevdesk has a free tier, so you can try it without paying. Qonto starts at €9/month.
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 sevdesk is typically brought in for.

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

sevdesk: How much does sevdesk cost?

sevdesk offers a free plan and three paid tiers. Invoice Plan starts at €11.90/month (€4.45/month on 24-month), Accounting Plan at €25.90/month (€9.95/month on 24-month), and Accounting Pro at €34.90/month (€13.95/month on 24-month).

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

sevdesk: What is included in sevdesk's free plan?

The free plan allows creation of up to 3 invoices/e-invoices monthly, unlimited contact creation, and access to support materials. No credit card is required.

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

sevdesk: What add-ons are available for sevdesk?

sevdesk offers optional add-ons priced €3.90-€19.90/month including premium layouts, additional users, inventory management, and time tracking. Premium services such as setup consultations start at €24.90.

Source

sevdesk: Does sevdesk offer a promotional discount?

Yes, sevdesk advertises up to 50% discount through a time-limited Black Cyber Deal offering 60% off all plans. Additionally, all paid plans include 24-month term options with significant savings (up to 62% discount).

Source

Qonto vs sevdesk

Qonto

sevdesk

The short version

Where they differ

What people use each for

Qonto

sevdesk

Where each one falls short

Qonto

sevdesk

Pricing, plan by plan

Qonto

sevdesk

Which should you pick?

Choose Qonto if

Choose sevdesk if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Qonto

More on sevdesk

Keep looking

Other head to heads