Brex vs Qonto.
Brex (B70/100) 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. Brex leads Qonto 6-3.
| B Brex №34 · FDIC 70 /100 | Q Qonto №70 · Payment institution license 51 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 51 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €9 /mo |
| FX markup Debit card abroad | Interbank | 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 | Yes | No |
| UX | ||
| Trustpilot Customer score | — | 4.8 ★ 50k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.8 · And 4.3 |
| Read review → | Read review → | |
Pick Brex if…
SMB-business neobank built around corporate cards + spend management. Brex Cash uses partner-bank sweep (Choice Financial + Lead Bank + Citi) for FDIC pass-through up to $6M+. Y Combinator alumni; ~$12B valuation. The default for VC-backed US startups.
Pick Qonto if…
Pick if you run an EU SME and need multi-currency invoicing, accounting integrations, and proper receipts.
- Best for fees Brex won 2 of 4
- Best for protection Brex won 2 of 2
- Best for reach Tied
- Best for ux Qonto won 2 of 2
Brex vs Qonto — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Brex better than Qonto?
Under our v3 methodology, Brex leads Qonto 6–3 across 12 dimensions. Composite scores: Brex 70/100 vs Qonto 51/100. Brex is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Brex or Qonto cheaper?
Monthly fee — Brex: €0; Qonto: €9. Card FX markup — Brex: Interbank; Qonto: 1.70%. Brex 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, Brex or Qonto?
Brex 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. Brex is the stronger pick on regulatory protection.
Where can I use Brex and Qonto?
Brex 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.