Softwr

Accounting · head to head

Qonto vs Stampli

Qonto logo

Qonto

Accounting

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

From
€9/month
Rated
-
Full reviewWebsite
Stampli logo

Stampli

Accounting

AI-powered accounts payable automation

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Qonto pricing in EUR only, not USD; Stampli no transparent pricing published; quote-based model required
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Qonto and Stampli actually diverge.

Attributes where Qonto and Stampli differ
AttributeQontoStampli
Starting price€9/month$29/month
PlatformsWebWeb, Ios, Android
FoundedUnknown2014

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 Stampli does not also cover.

Only in Stampli

  • AI invoice processing
  • Approval workflows
  • Vendor management
  • Payment processing
  • Audit trails
  • NetSuite
  • Sage Intacct
  • QuickBooks

What people use each for

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

Qonto

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

Stampli

  • Accounts payable automationnot Qonto
  • Invoice processing and capturenot Qonto
  • Vendor managementnot Qonto
  • Expense management and procurementnot 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

Stampli

  • No transparent pricing published; quote-based model required
  • Specific pricing for individual modules or add-ons not available on pricing page
  • Cost varies based on invoice volume, complexity, and customization needs

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

Stampli

$29/month
  • Essential$undefined/month
    • Invoice processing
    • Basic approvals
    • Email notifications
  • Professional$undefined/month
    • AI-powered coding
    • Advanced workflows
    • ERP integrations
  • Enterprise$undefined/month
    • Custom workflows
    • API access
    • Dedicated support

Which should you pick?

Choose Qonto if

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

Qonto review

Choose Stampli if

  • You need ai invoice processing.
  • You work on Web, Ios, Android.
  • You also want approval workflows.
Stampli review

Questions people ask

Is Qonto or Stampli better?
Neither clearly leads. Qonto starts at €9/month and Stampli at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Qonto or Stampli?
Qonto starts at €9/month and Stampli at $29/month.
Does Qonto or Stampli run on more platforms?
Qonto runs on Web. Stampli 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 Stampli is typically brought in for.
What can Qonto do that Stampli cannot?
Stampli covers AI invoice processing, Approval workflows, Vendor management, Payment processing.

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
Stampli: What does Stampli cost?

Stampli does not publish fixed pricing. The company uses a custom quote-based model. Visitors are directed to 'Request a Quote' and meet with an AP expert to discuss pricing based on their specific invoice volume and requirements.

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
Stampli: What is included in Stampli's standard offering?

Stampli's core accounts payable solution includes unlimited invoice capture, entities/locations, vendors, and PO matching; automated processing via Stampli Cognitive AI; 12 pre-built reports; interactive dashboards; a dedicated Customer Success Manager; and support with under 90-second response 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
Stampli: How long does it take to implement Stampli?

Stampli uses a 'fulfillment-first' implementation approach and deploys in weeks versus competitors requiring months or longer.

Source
Stampli: What add-on modules are available with Stampli?

Optional modules include Procurement, Direct Pay functionality, credit card programs, advanced vendor management, and expense management. Pricing for add-ons requires requesting a custom quote.

Source
Share

Related pages

More on Qonto

More on Stampli

Keep looking

Other head to heads