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Accounting · head to head

Qonto vs Spendesk

Qonto logo

Qonto

Accounting

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

From
€9/month
Rated
-
Full reviewWebsite
Spendesk logo

Spendesk

Accounting

Smart spend management for modern teams

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Qonto pricing in EUR only, not USD; Spendesk no publicly available pricing, requires custom quote
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Qonto and Spendesk actually diverge.

Attributes where Qonto and Spendesk differ
AttributeQontoSpendesk
Starting price€9/month$29/month
PlatformsWebWeb, Mobile iOS, Mobile Android
FoundedUnknown2016

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 Spendesk does not also cover.

Only in Spendesk

  • Company cards
  • Expense management
  • Invoice payments
  • Budget management
  • Spend analytics
  • Xero
  • Sage
  • NetSuite

What people use each for

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

Qonto

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

Spendesk

  • Expense managementnot Qonto
  • Spend controlnot Qonto
  • Finance automationnot 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

Spendesk

  • No publicly available pricing, requires custom quote
  • Strong European presence but limited in some non-EU markets
  • High implementation costs due to extensive integration requirements

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

Spendesk

$29/month
  • EssentialsFree
    • Virtual cards
    • Expense tracking
    • Approvals

Which should you pick?

Choose Qonto if

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

Qonto review

Choose Spendesk if

  • You need company cards.
  • You work on Web, Mobile iOS, Mobile Android.
  • You also want expense management.
Spendesk review

Questions people ask

Is Qonto or Spendesk better?
Neither clearly leads. Qonto starts at €9/month and Spendesk at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Qonto or Spendesk?
Qonto starts at €9/month and Spendesk at $29/month.
Does Qonto or Spendesk run on more platforms?
Qonto runs on Web. Spendesk runs on Web, Mobile iOS, Mobile 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 Spendesk is typically brought in for.
What can Qonto do that Spendesk cannot?
Spendesk covers Company cards, Expense management, Invoice payments, Budget management.

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
Spendesk: What is included in Spendesk's platform?

Spendesk combines corporate cards, a mobile receipts app, approval workflows, automated reconciliation, accounts payable, procurement, and spend controls into one platform.

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
Spendesk: How does Spendesk handle expense receipts?

Spendesk captures receipts via mobile photo upload with OCR technology, automatically matching receipts to transactions and generating automated expense reports with 98% of expense receipts collected on time.

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
Spendesk: What integrations does Spendesk offer?

Spendesk integrates with accounting software including Sage, Xero, NetSuite, and SAP, plus HR systems and tools like Slack for comprehensive spend management.

Source
Spendesk: Is Spendesk profitable?

Yes. Spendesk became the first spend management platform to reach profitability in 2025, processing over £10 billion in spend across 35+ countries.

Source
Spendesk: What is Spendesk's valuation?

Spendesk is a unicorn company with a valuation of $1.5 billion, with 2025 revenue of $52 million ARR.

Source
Spendesk: How much time can Spendesk save on bookkeeping?

Organizations using Spendesk save an average of 4 days per month on bookkeeping, equivalent to over 380 hours per year returned to the business.

Source
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