Is Qonto or Soldo better?

Neither clearly leads. Qonto starts at €9/month and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Qonto or Soldo?

Qonto starts at €9/month and Soldo at £21/month.

Does Qonto or Soldo run on more platforms?

Qonto runs on Web. Soldo 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 Soldo is typically brought in for.

What can Qonto do that Soldo cannot?

Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

Accounting · head to head

Qonto vs Soldo

Qonto

Accounting

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

From: €9/month
Rated: -

Full review Website

Soldo

Accounting

Prepaid company card and spend control platform for European businesses

From: £21/month
Rated: -

Full review Website

The short version

Each has a real cost: Qonto pricing in EUR only, not USD; Soldo cards are prepaid, so if the central wallet runs low the cards decline in front of a supplier, and treasury has to keep an idle float funded rather than using a credit line.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Qonto and Soldo actually diverge.

Attributes where Qonto and Soldo differ
Attribute	Qonto	Soldo
Starting price	€9/month	£21/month
Pricing model	subscription	Per user per month
Platforms	Web	Web, 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 Soldo does not also cover.

Only in Soldo

Prepaid company cards
Card-level budgets
Receipt capture
Accounting export
Multi-currency wallets
Approval workflows

What people use each for

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

Qonto

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

Soldo

A construction firm giving site managers fuel and materials cards with hard per-card limitsnot Qonto
A marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billingnot Qonto
A UK company that cannot get approved for a credit-based corporate card programmenot Qonto
A multi-entity European business needing EUR and GBP wallets without conversion on every purchasenot 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

Soldo

Cards are prepaid, so if the central wallet runs low the cards decline in front of a supplier, and treasury has to keep an idle float funded rather than using a credit line.
The plan fee covers only three users, and per-user charges plus physical card fees mean the real monthly cost is several times the advertised headline for a team of twenty.
It does not extend credit, so it gives no working capital benefit and no card rewards of the kind US charge card issuers use to offset their cost.
Sole traders and some business types are not accepted, which catches out small consultancies expecting to sign up online.
Coverage is European; a company with US or Asian subsidiaries will need a second card programme and a second expense workflow for them.

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

Soldo

£21/month

Standard$21/month
- Three users included
- Around £7 per additional user per month
- Physical card issuance fee around £5, virtual around £1
Plus$33/month
- Three users included
- Around £11 per additional user per month
- Advanced approval and multi-currency features
Enterprise$undefined/month
- Quoted pricing
- Custom card volumes and entity structures
- Dedicated account management

Which should you pick?

Choose Qonto if

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

Qonto review

Choose Soldo if

You need prepaid company cards.
You work on Web, iOS, Android.
You also want card-level budgets.

Soldo review

Questions people ask

Is Qonto or Soldo better?: Neither clearly leads. Qonto starts at €9/month and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Qonto or Soldo?: Qonto starts at €9/month and Soldo at £21/month.
Does Qonto or Soldo run on more platforms?: Qonto runs on Web. Soldo 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 Soldo is typically brought in for.
What can Qonto do that Soldo cannot?: Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

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

Soldo: Is Soldo a credit card?

No. It is prepaid electronic money. You fund a wallet and cards spend from it, so there is no credit line and no interest-free period.

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

Soldo: What licence does Soldo hold?

Soldo is authorised as an electronic money institution, including UK, Irish and Italian entities, which is why it can issue cards without a sponsor bank in those markets.

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

Soldo: What does it really cost for twenty users?

Take the plan fee, add the per-user rate for the seventeen users beyond the included three, then add card issuance fees per physical card.

Qonto vs Soldo

Qonto

Soldo

The short version

Where they differ

What each one covers

Only in Qonto

Only in Soldo

What people use each for

Qonto

Soldo

Where each one falls short

Qonto

Soldo

Pricing, plan by plan

Qonto

Soldo

Which should you pick?

Choose Qonto if

Choose Soldo if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Qonto

More on Soldo

Keep looking

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