Is Qonto or YNAB better?

Neither clearly leads. Qonto starts at €9/month and YNAB at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Qonto or YNAB?

YNAB has a free tier; the other does not. Paid plans start at €9/month for Qonto and Free for YNAB.

Does Qonto or YNAB run on more platforms?

Qonto runs on Web. YNAB runs on Web, iOS, Android.

Can I use YNAB for free?

Yes. YNAB 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 YNAB is typically brought in for.

What can Qonto do that YNAB cannot?

YNAB covers Zero-based budgeting, Bank sync, Goal tracking, Reports.

Accounting · head to head

Qonto vs YNAB

Qonto

Accounting

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

From: €9/month
Rated: -

Full review Website

YNAB

Personal Finance

You Need A Budget

From: Free
Rated: -

Full review Website

The short version

Only YNAB has a free tier, so it costs nothing to try first.
Each has a real cost: Qonto pricing in EUR only, not USD; YNAB subscription priced exclusively in US dollars; international customers face unfavourable exchange rates

Where they differ

Only the attributes on which Qonto and YNAB actually diverge.

Attributes where Qonto and YNAB differ
Attribute	Qonto	YNAB
Starting price	€9/month	Free
Free tier	No	Yes
Platforms	Web	Web, iOS, Android
Category	Accounting	Personal Finance
Founded	Unknown	2004

Identical on both: pricing model (subscription), 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 YNAB does not also cover.

Only in YNAB

Zero-based budgeting
Bank sync
Goal tracking
Reports
Multi-device sync
Bank connections
Plaid
Bank-level encryption

What people use each for

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

Qonto

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

YNAB

Personal and household budget trackingnot Qonto
Debt management and repayment planningnot Qonto
Family financial planning with multiple usersnot 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

YNAB

Subscription priced exclusively in US dollars; international customers face unfavourable exchange rates
Multi-currency support restricted to one currency per spending plan
Bank import limited to select institutions in US, Canada, UK, and EU only
Household plan can only be shared with up to 6 people; additional members cannot access shared plan

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

YNAB

Free

Annual Subscription$109/year
- 34-day free trial with no credit card required
- No credit card required to start
- Share access with up to 6 people at no additional cost
Monthly Subscription$14.99/month
- Share access with up to 6 people at no additional cost
- Real-time account syncing
- Bank connection and transaction tracking

Which should you pick?

Choose Qonto if

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

Qonto review

Choose YNAB if

You need zero-based budgeting.
You want to start without paying.
You work on Web, iOS, Android.
You also want bank sync.

YNAB review

Questions people ask

Is Qonto or YNAB better?: Neither clearly leads. Qonto starts at €9/month and YNAB at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Qonto or YNAB?: YNAB has a free tier; the other does not. Paid plans start at €9/month for Qonto and Free for YNAB.
Does Qonto or YNAB run on more platforms?: Qonto runs on Web. YNAB runs on Web, iOS, Android.
Can I use YNAB for free?: Yes. YNAB 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 YNAB is typically brought in for.
What can Qonto do that YNAB cannot?: YNAB covers Zero-based budgeting, Bank sync, Goal tracking, Reports.

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

YNAB: How much does YNAB cost per month?

YNAB costs $14.99 USD per month on a month-to-month basis, or $9.08 per month when paid annually as a $109 per year subscription. Both plans come with a 34-day free trial and no credit card required to start. Source: https://www.ynab.com/pricing

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

YNAB: Can I share YNAB access with my family?

Yes, both annual and monthly YNAB plans include the ability to share access with up to 6 people at no additional cost, making it suitable for family budget management. Source: https://www.ynab.com/pricing

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

YNAB: Does YNAB offer a free trial?

Yes, YNAB provides a 34-day free trial with no credit card required to sign up. This trial gives full access to all budgeting features including account syncing, transaction tracking, goal-setting, and debt management tools. Source: https://www.ynab.com/pricing

Source

YNAB: Do students get a discount on YNAB?

Yes, verified college students receive a full year of YNAB access for free through YNAB's College Program. This allows eligible students to use all features at no cost for 12 months. Source: https://www.ynab.com/pricing

Source

Qonto vs YNAB

Qonto

YNAB

The short version

Where they differ

What each one covers

Only in Qonto

Only in YNAB

What people use each for

Qonto

YNAB

Where each one falls short

Qonto

YNAB

Pricing, plan by plan

Qonto

YNAB

Which should you pick?

Choose Qonto if

Choose YNAB if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Qonto

More on YNAB

Keep looking

Other head to heads