Softwr

Accounting · head to head

Qonto vs Vena Solutions

Qonto logo

Qonto

Accounting

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

From
€9/month
Rated
-
Full reviewWebsite
Vena Solutions logo

Vena Solutions

Accounting

FP&A planning that keeps Excel as the front end and puts a database and workflow behind it

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Qonto pricing in EUR only, not USD; Vena Solutions vena publishes no pricing and contracts are modular, so two organisations of similar size can pay very different amounts and neither can benchmark without going through procurement.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Qonto and Vena Solutions actually diverge.

Attributes where Qonto and Vena Solutions differ
AttributeQontoVena Solutions
Starting price€9/monthOn request
Pricing modelsubscriptionquote
PlatformsWebWeb, Windows, Excel add-in

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 Vena Solutions does not also cover.

Only in Vena Solutions

  • Excel add-in interface
  • Central multidimensional database
  • Workflow and approvals
  • Audit trail
  • Rolling forecasts
  • Close management
  • Power BI integration
  • ERP connectors

What people use each for

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

Qonto

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

Vena Solutions

  • A finance team that wants governance and audit over budgeting but refuses to give up Excel formulasnot Qonto
  • Replacing a shared drive full of departmental budget workbooks with routed templates and tracked submissionnot Qonto
  • Consolidating actuals from more than one ERP into a single reporting set without a data warehouse projectnot Qonto
  • Running monthly rolling forecasts where the model is complex enough to need real spreadsheet logicnot 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

Vena Solutions

  • Vena publishes no pricing and contracts are modular, so two organisations of similar size can pay very different amounts and neither can benchmark without going through procurement.
  • Implementation services for data integration and template configuration typically make up a large part of first-year cost, often exceeding the licence, and that figure only appears in the proposal.
  • Excel dependency is structural: organisations on Google Workspace, or staff working only in a browser or on Chromebooks, cannot use the primary interface as intended.
  • Because it accepts existing spreadsheets, it can preserve years of undocumented logic and circular workarounds rather than forcing the clean-up that a rebuild on a purpose-built modelling tool would require.
  • Model performance degrades with very large dimensional models, so organisations that grow into genuinely large planning problems eventually hit the limits of the spreadsheet-first design and face a second migration.

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

Vena Solutions

On request
  • Vena Professional$undefined/year
    • Core planning platform and Excel add-in
    • Workflow, audit trail and version control
    • Standard support
  • Vena Complete$undefined/year
    • Everything in Professional
    • Power BI integration
    • Premium support and a customer success manager

Which should you pick?

Choose Qonto if

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

Qonto review

Choose Vena Solutions if

  • You need excel add-in interface.
  • You work on Web, Windows, Excel add-in.
  • You also want central multidimensional database.
Vena Solutions review

Questions people ask

Is Qonto or Vena Solutions better?
Neither clearly leads. Qonto starts at €9/month and Vena Solutions at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Qonto or Vena Solutions?
Qonto starts at €9/month and Vena Solutions at On request.
Does Qonto or Vena Solutions run on more platforms?
Qonto runs on Web. Vena Solutions runs on Web, Windows, Excel add-in.
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 Vena Solutions is typically brought in for.
What can Qonto do that Vena Solutions cannot?
Vena Solutions covers Excel add-in interface, Central multidimensional database, Workflow and approvals, Audit trail.

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
Vena Solutions: Do we have to give up Excel?

No, that is the point of the product. Excel is the interface, backed by a central database and workflow.

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
Vena Solutions: Is pricing published?

No. Vena quotes per organisation based on users, modules and services.

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
Vena Solutions: How much is implementation?

It is quoted separately and commonly forms a large share of first-year cost. Get it itemised before comparing against Anaplan or Adaptive.

Vena Solutions: Does it work without Microsoft Office?

Not properly. The Excel add-in is the main working surface.

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