Softwr

Accounting · head to head

Qonto vs WorldRemit

Qonto logo

Qonto

Accounting

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

From
€9/month
Rated
-
Full reviewWebsite
WorldRemit logo

WorldRemit

Personal Finance

Send money online to 150 countries

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Qonto pricing in EUR only, not USD; WorldRemit no transfer fee, exchange rate margin or sending limit is published on the site; rates and limits are shown only after choosing a destination country and receive method

Where they differ

Only the attributes on which Qonto and WorldRemit actually diverge.

Attributes where Qonto and WorldRemit differ
AttributeQontoWorldRemit
Starting price€9/monthOn request
Pricing modelsubscriptiontransaction
PlatformsWebWeb, IOS, Android
CategoryAccountingPersonal Finance
FoundedUnknown2010

Identical on both: free tier (No), user rating (Not yet rated).

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 WorldRemit does not also cover.

Only in WorldRemit

  • International transfers
  • Multiple delivery methods
  • Send to 150+ countries
  • Cash pickup option
  • Bank accounts
  • Cards
  • Web support
  • IOS support

What people use each for

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

Qonto

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

WorldRemit

  • Sending remittances from developed markets to 130 or more receiving countriesnot Qonto
  • Paying out to mobile money, cash pickup and bank accounts abroadnot 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

WorldRemit

  • No transfer fee, exchange rate margin or sending limit is published on the site; rates and limits are shown only after choosing a destination country and receive method
  • The amount that can be sent depends on the destination country and receive method rather than a single published cap

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

WorldRemit

On request
  • Standard Transfer$undefined/month
    • Multiple payment methods
    • Competitive rates
  • Express Transfer$undefined/month
    • Faster delivery
    • Higher costs

Which should you pick?

Choose Qonto if

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

Qonto review

Choose WorldRemit if

  • You need international transfers.
  • You work on Web, IOS, Android.
  • You also want multiple delivery methods.
WorldRemit review

Questions people ask

Is Qonto or WorldRemit better?
Neither clearly leads. Qonto starts at €9/month and WorldRemit at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Qonto or WorldRemit?
Qonto starts at €9/month and WorldRemit at On request.
Does Qonto or WorldRemit run on more platforms?
Qonto runs on Web. WorldRemit 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 WorldRemit is typically brought in for.
What can Qonto do that WorldRemit cannot?
WorldRemit covers International transfers, Multiple delivery methods, Send to 150+ countries, Cash pickup option.

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
WorldRemit: How much cheaper is WorldRemit than banks?

WorldRemit is on average 46% cheaper than most banks, with no hidden fees. All costs display upfront before payment, including fees and the exact amount your recipient receives.

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
WorldRemit: What payment methods are available?

Three payment methods are offered: bank deposit, debit card, and credit card. Available options depend on your sending country.

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
WorldRemit: How long do transfers take?

In most cases, money transfers sent using WorldRemit will arrive within minutes. Expected delivery times display before payment, though some transfers may take longer depending on the receiving method.

Source
WorldRemit: What verification is required?

Phone verification via OTP occurs; identity verification requiring ID and a selfie may be necessary, typically completing within 4 minutes at least 90% of the time.

Source
Share

Related pages

More on Qonto

More on WorldRemit

Keep looking

Other head to heads