Is Qonto or Stigg better?

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

Which is cheaper, Qonto or Stigg?

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

Does Qonto or Stigg run on more platforms?

Qonto runs on Web. Stigg runs on Web, Cloud, BYOC, BYODB, API.

Can I use Stigg for free?

Yes. Stigg 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 Stigg is typically brought in for.

What can Qonto do that Stigg cannot?

Stigg covers Real-time credit enforcement, Financial-grade credits, High-scale metering, Budget governance.

Accounting · head to head

Qonto vs Stigg

Qonto

Accounting

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

From: €9/month
Rated: -

Full review Website

Stigg

Accounting

Usage runtime platform for credits and entitlements

From: Free
Rated: -

Full review Website

The short version

Only Stigg has a free tier, so it costs nothing to try first.
Each has a real cost: Qonto pricing in EUR only, not USD; Stigg free tier limited to 10,000 entities and 5M events per month

Where they differ

Only the attributes on which Qonto and Stigg actually diverge.

Attributes where Qonto and Stigg differ
Attribute	Qonto	Stigg
Starting price	€9/month	Free
Pricing model	subscription	Freemium with usage-based and custom tiers
Free tier	No	Yes
Platforms	Web	Web, Cloud, BYOC, BYODB, API

Identical on both: 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 Stigg does not also cover.

Only in Stigg

Real-time credit enforcement
Financial-grade credits
High-scale metering
Budget governance
Flexible deployment
Billing platform integration
Data warehouse integration
CRM integration

What people use each for

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

Qonto

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

Stigg

Managing token and credit usage for AI productsnot Qonto
Enforcing spending caps and budget controlsnot Qonto
Implementing prepaid credit systems with expirynot Qonto
Real-time entitlement verification for feature accessnot Qonto
Scaling billing infrastructure for high-volume eventsnot 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

Stigg

Free tier limited to 10,000 entities and 5M events per month
Pro plan pricing ($399/month) may be high for early-stage companies
Scale and BYOC plans require custom contracts and sales engagement
Primarily targets AI and high-scale use cases, not all business models
Requires integration with separate billing platform (Stripe, Zuora, etc.)

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

Stigg

Free

Build (Free Forever)Free
- 10,000 managed entities per month
- 5M usage events per month
- 1K events per second rate limit
Pro$399/month
- 10,000 entities included (graduated pricing to 100K)
- 25M usage events included (to 500M with graduated rates)
- 10K events per second (upgradeable to 100K)
Scale$null/custom
- Custom entity and event volumes
- 50K events per second (upgradeable to 100K)
- RBAC and SSO (SAML)
BYOC$40000/year
- Deploy in customer VPC
- Unlimited entities and events
- No event billing

Which should you pick?

Choose Qonto if

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

Qonto review

Choose Stigg if

You need real-time credit enforcement.
You want to start without paying.
You work on Web, Cloud, BYOC, BYODB, API.
You also want financial-grade credits.

Stigg review

Questions people ask

Is Qonto or Stigg better?: Neither clearly leads. Qonto starts at €9/month and Stigg at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Qonto or Stigg?: Stigg has a free tier; the other does not. Paid plans start at €9/month for Qonto and Free for Stigg.
Does Qonto or Stigg run on more platforms?: Qonto runs on Web. Stigg runs on Web, Cloud, BYOC, BYODB, API.
Can I use Stigg for free?: Yes. Stigg 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 Stigg is typically brought in for.
What can Qonto do that Stigg cannot?: Stigg covers Real-time credit enforcement, Financial-grade credits, High-scale metering, Budget governance.

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

Stigg: How quickly does Stigg check entitlements?

Stigg makes entitlement checks in under 10 milliseconds, enabling real-time enforcement of spending decisions before token consumption.

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

Stigg: Can I use Stigg with my existing billing platform?

Yes, Stigg integrates with major billing platforms including Stripe, Zuora, Chargebee, Metronome, and Orb to manage entitlements and credits.

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

Stigg: What deployment options does Stigg offer?

Stigg offers cloud API, BYOC (Bring Your Own Cloud) for VPC deployment, and BYODB options for customers who want to manage their own database.

Source

Qonto vs Stigg

Qonto

Stigg

The short version

Where they differ

What each one covers

Only in Qonto

Only in Stigg

What people use each for

Qonto

Stigg

Where each one falls short

Qonto

Stigg

Pricing, plan by plan

Qonto

Stigg

Which should you pick?

Choose Qonto if

Choose Stigg if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Qonto

More on Stigg

Keep looking

Other head to heads