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Accounting · head to head

Qonto vs TaxAct

Qonto logo

Qonto

Accounting

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

From
€9/month
Rated
-
Full reviewWebsite
TaxAct logo

TaxAct

Accounting

Get your maximum refund, guaranteed

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only TaxAct has a free tier, so it costs nothing to try first.
  • Each has a real cost: Qonto pricing in EUR only, not USD; TaxAct free edition available only to approximately 40% of filers
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Qonto and TaxAct actually diverge.

Attributes where Qonto and TaxAct differ
AttributeQontoTaxAct
Starting price€9/monthFree
Pricing modelsubscriptionone-time
Free tierNoYes

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 TaxAct
  • Team paymentsnot TaxAct
  • Cash flow managementnot TaxAct
  • Multi-currency transfersnot TaxAct
  • Freelancer paymentsnot TaxAct

TaxAct

  • Individual tax filingnot Qonto
  • Self-employed tax preparationnot 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

TaxAct

  • Free edition available only to approximately 40% of filers
  • Pricing excludes separate state filing fees
  • Xpert Full Service pricing available on request only

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

TaxAct

Free
  • Free EditionFree
    • W-2 income
    • Unemployment
    • Basic credits and deductions
  • Deluxe$59.99/tax-year
    • All Free Edition features
    • Home ownership deductions
    • Childcare and dependent care
  • Premier$99.99/tax-year
    • All Deluxe features
    • Investment income and capital gains
    • Cryptocurrency reporting
  • Self-Employed$109.99/tax-year
    • Complete business support
    • For contractors, freelancers, and sole proprietors

Which should you pick?

Choose Qonto if

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

Qonto review

Choose TaxAct if

  • You want to start without paying.
TaxAct review

Questions people ask

Is Qonto or TaxAct better?
Neither clearly leads. Qonto starts at €9/month and TaxAct at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Qonto or TaxAct?
TaxAct has a free tier; the other does not. Paid plans start at €9/month for Qonto and Free for TaxAct.
Does Qonto or TaxAct run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use TaxAct for free?
Yes. TaxAct 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 TaxAct 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
TaxAct: How much does TaxAct cost?

TaxAct offers a free edition for approximately 40% of filers, Deluxe at $59.99, Premier at $99.99, and Self-Employed at $109.99 per tax year.

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
TaxAct: Is TaxAct truly free for eligible filers?

Yes, TaxAct's Free Edition is available at no cost for W-2 employees, students, and filers meeting basic income and deduction requirements.

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
TaxAct: What is the difference between Premier and Deluxe plans?

Premier adds support for investment income, capital gains, cryptocurrency, rental properties, and home sale reporting compared to Deluxe.

Source
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