Found vs Qonto.
Found (F69/100) and Qonto (Q51/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Found leads Qonto 6-2.
| F Found №39 · FDIC 69 /100 | Q Qonto №70 · Payment institution license 51 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 51 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €9 /mo |
| FX markup Debit card abroad | 1.00% | 1.70% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Payment inst. |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded EU.DGS.FR |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 8 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | 4.8 ★ 50k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.5 ★ iOS 4.8 · And 4.3 |
| Read review → | Read review → | |
Pick Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
Pick Qonto if…
Pick if you run an EU SME and need multi-currency invoicing, accounting integrations, and proper receipts.
- Best for fees Found won 2 of 4
- Best for protection Found won 2 of 2
- Best for reach Qonto won 1 of 3
- Best for ux Tied
Found vs Qonto — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Found better than Qonto?
Under our v3 methodology, Found leads Qonto 6–2 across 12 dimensions. Composite scores: Found 69/100 vs Qonto 51/100. Found is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Found or Qonto cheaper?
Monthly fee — Found: €0; Qonto: €9. Card FX markup — Found: 1.00%; Qonto: 1.70%. Found wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Found or Qonto?
Found holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Qonto holds a Payment inst. licence under Payment institution license (France, 2018); EU passport across served markets; filed for full French banking license in July 2025; deposit guarantee per depositor: Safeguarded. Found is the stronger pick on regulatory protection.
Where can I use Found and Qonto?
Found operates in 1 country; Qonto operates in 8 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.