Softwr

Accounting · head to head

Qonto vs Veem

Qonto logo

Qonto

Accounting

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

From
€9/month
Rated
-
Full reviewWebsite
Veem logo

Veem

Accounting

Global business payments made simple

From
$14.99/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Qonto pricing in EUR only, not USD; Veem per-transaction fees can be higher than dedicated wire transfer services for large volumes
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Qonto and Veem actually diverge.

Attributes where Qonto and Veem differ
AttributeQontoVeem
Starting price€9/month$14.99/month
Pricing modelsubscriptionUnknown
PlatformsWebWeb, iOS, Android
FoundedUnknown2014

Identical on both: 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 Veem does not also cover.

Only in Veem

  • International payments
  • Multi-currency
  • Invoice creation
  • Payment tracking
  • Accounting sync
  • QuickBooks
  • Xero
  • NetSuite

What people use each for

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

Qonto

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

Veem

  • International vendor paymentsnot Qonto
  • Cross-border transactionsnot 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

Veem

  • Per-transaction fees can be higher than dedicated wire transfer services for large volumes
  • No free tier - even basic sending incurs transaction fees
  • Premium plan pricing at $14.99/month may not offset savings on transaction fees
  • Limited banking partnerships compared to larger financial platforms

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

Veem

$14.99/month

No published plan breakdown. See the Veem review.

Which should you pick?

Choose Qonto if

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

Qonto review

Choose Veem if

  • You need international payments.
  • You work on Web, iOS, Android.
  • You also want multi-currency.
Veem review

Questions people ask

Is Qonto or Veem better?
Neither clearly leads. Qonto starts at €9/month and Veem at $14.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Qonto or Veem?
Qonto starts at €9/month and Veem at $14.99/month.
Does Qonto or Veem run on more platforms?
Qonto runs on Web. Veem 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 Veem is typically brought in for.
What can Qonto do that Veem cannot?
Veem covers International payments, Multi-currency, Invoice creation, Payment tracking.

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
Veem: What payment methods does Veem support?

Veem supports ACH transfers, checks, wallet transfers, and international wires. Payment methods vary by destination country and user preference.

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
Veem: Is there a free tier?

No free tier. Veem charges per-transaction fees based on payment method and destination, with optional Premium Plan at $14.99/month offering enhanced features.

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
Veem: What integrations does Veem have?

Veem integrates with QuickBooks, Xero, QuickBooks Online, NetSuite, Zapier, Plaid, and PopBookings for automated accounting and workflow integration.

Source
Veem: How does Veem handle exchange rates?

Veem uses claimed competitive exchange rates and provides transparent pricing. Transactions are routed through different payment rails (credit cards, checks, cryptocurrency) based on the destination.

Source
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