Softwr

Accounting · head to head

Qonto vs TurboTax

Qonto logo

Qonto

Accounting

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

From
€9/month
Rated
-
Full reviewWebsite
TurboTax logo

TurboTax

Accounting

File yourself with clear, step-by-step tools, or hand it to an expert

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only TurboTax has a free tier, so it costs nothing to try first.
  • Each has a real cost: Qonto pricing in EUR only, not USD; TurboTax pricing varies significantly based on tax complexity and filing date
  • Prices and features above were last checked on 29 August 2026.

Where they differ

Only the attributes on which Qonto and TurboTax actually diverge.

Attributes where Qonto and TurboTax differ
AttributeQontoTurboTax
Starting price€9/monthFree
Pricing modelsubscriptionfreemium
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 TurboTax
  • Team paymentsnot TurboTax
  • Cash flow managementnot TurboTax
  • Multi-currency transfersnot TurboTax
  • Freelancer paymentsnot TurboTax

TurboTax

  • Individual tax filing for US residentsnot Qonto
  • Complex tax scenarios requiring multiple schedules and formsnot Qonto
  • Expert assistance or full tax preparation servicesnot 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

TurboTax

  • Pricing varies significantly based on tax complexity and filing date
  • Final price determined at filing time, subject to change without notice
  • Additional state return fees apply beyond federal pricing

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

TurboTax

Free
  • Free EditionFree
    • Simple Form 1040 returns only (~37% of taxpayers eligible)
  • Deluxe$59/one-time
    • Anticipated price, for more complex tax situations
  • Premium$79/one-time
    • Anticipated price, for complex tax scenarios with additional schedules
  • Expert Full Service$null/one-time
    • Custom pricing based on tax situation, forms required, and filing date

Which should you pick?

Choose Qonto if

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

Qonto review

Choose TurboTax if

  • You want to start without paying.
TurboTax review

Questions people ask

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

TurboTax offers a free option for simple returns (~37% of filers), Deluxe at $59, Premium at $79, and Expert Full Service with custom pricing determined at filing time. Actual prices are subject to change and vary based on tax situation complexity.

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
TurboTax: Is there a free version of TurboTax?

Yes, TurboTax Free Edition is available at no cost for simple Form 1040 returns. Eligibility is limited to approximately 37% of taxpayers with straightforward tax situations.

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
TurboTax: What extra fees apply when using TurboTax?

State return preparation requires additional fees beyond federal pricing. Price adjustments also apply based on the version selected and the date you file or e-file, as stated in TurboTax terms.

Source
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