Is Qonto or Yooz better?

Neither clearly leads. Qonto starts at €9/month and Yooz at $199/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Qonto or Yooz?

Qonto starts at €9/month and Yooz at $199/month.

Does Qonto or Yooz run on more platforms?

Qonto runs on Web. Yooz 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 Yooz is typically brought in for.

What can Qonto do that Yooz cannot?

Yooz covers Invoice capture, Automatic coding, Purchase order matching, Approval workflow.

Accounting · head to head

Qonto vs Yooz

Qonto

Accounting

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

From: €9/month
Rated: -

Full review Website

Yooz

Accounting

AP automation for mid-sized finance teams, with unlimited users included in the subscription

From: $199/month
Rated: -

Full review Website

The short version

Each has a real cost: Qonto pricing in EUR only, not USD; Yooz it is accounts payable only, with no requisitioning, sourcing or contract management, so procurement control has to come from somewhere else.
Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Qonto and Yooz actually diverge.

Attributes where Qonto and Yooz differ
Attribute	Qonto	Yooz
Starting price	€9/month	$199/month
Pricing model	subscription	Per month by invoice volume
Platforms	Web	Web, iOS, Android

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 Yooz does not also cover.

Only in Yooz

Invoice capture
Automatic coding
Purchase order matching
Approval workflow
Fraud and duplicate detection
Payment initiation
Unlimited users
E-invoicing readiness

What people use each for

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

Qonto

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

Yooz

A finance team with thirty occasional approvers that cannot justify per-seat AP automationnot Qonto
An accounting practice processing invoices on behalf of many client companiesnot Qonto
A French or European business preparing for mandatory electronic invoicing without buying an enterprise platformnot Qonto
A company losing early payment discounts because paper invoices sit in someone's tray for two weeksnot 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

Yooz

It is accounts payable only, with no requisitioning, sourcing or contract management, so procurement control has to come from somewhere else.
Pricing is published only as a starting point and the real number depends on invoice volume and connector requirements, so the advertised figure understates what most buyers pay.
Country compliance depth is strongest in France and francophone Europe; buyers needing many national e-invoicing mandates at once are better served by a vendor built for that.
Extraction accuracy on unusual supplier layouts still requires human correction, and the learning improves only with volume, so small-volume users see less benefit from the automation they are paying for.
ERP connectors vary in depth between accounting systems, and a shallow connector turns the promised straight-through posting into a periodic file export that someone has to run.

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

Yooz

$199/month

Entry$199/month
- Unlimited users
- Invoice capture, coding and approval workflow
- Volume allowance applies
Volume tiers$undefined/month
- Priced by monthly invoice volume
- European mid-market typically €300 to €600 a month at 200 to 500 invoices
- Purchase order matching and fraud detection

Which should you pick?

Choose Qonto if

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

Qonto review

Choose Yooz if

You need invoice capture.
You work on Web, iOS, Android.
You also want automatic coding.

Yooz review

Questions people ask

Is Qonto or Yooz better?: Neither clearly leads. Qonto starts at €9/month and Yooz at $199/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Qonto or Yooz?: Qonto starts at €9/month and Yooz at $199/month.
Does Qonto or Yooz run on more platforms?: Qonto runs on Web. Yooz 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 Yooz is typically brought in for.
What can Qonto do that Yooz cannot?: Yooz covers Invoice capture, Automatic coding, Purchase order matching, Approval workflow.

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

Yooz: How is it priced?

On monthly invoice volume, with unlimited users included. Entry pricing is around $199 a month, and European mid-market deployments commonly land at €300 to €600.

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

Yooz: Are there per-user charges?

No, and that is its main commercial advantage over competitors that meter approvers.

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

Yooz: Does it do procurement as well?

No. It automates accounts payable. Requisitions, sourcing and contracts need a separate system.

Yooz: Is it ready for European e-invoicing mandates?

Yes for France and francophone Europe in particular. For a wide multi-country mandate footprint, compare against a vendor built for that specific problem.

Qonto vs Yooz

Qonto

Yooz

The short version

Where they differ

What each one covers

Only in Qonto

Only in Yooz

What people use each for

Qonto

Yooz

Where each one falls short

Qonto

Yooz

Pricing, plan by plan

Qonto

Yooz

Which should you pick?

Choose Qonto if

Choose Yooz if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Qonto

More on Yooz

Keep looking

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