Finom vs Qonto.
Finom (F64/100) 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. Finom leads Qonto 4-2.
| F Finom №45 · DNB 64 /100 | Q Qonto №70 · Payment institution license 51 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 64 /100 | 51 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €9 /mo |
| FX markup Debit card abroad | 0.70% | 1.70% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. DNB | Payment inst. |
| Deposit guarantee Per depositor | Safeguarded EU.DGS.NL | Safeguarded EU.DGS.FR |
| Reach | ||
| Markets served Licensed jurisdictions | 7 countries | 8 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.5 ★ 8k reviews | 4.8 ★ 50k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.5 ★ iOS 4.8 · And 4.3 |
| Read review → | Read review → | |
Pick Finom if…
The EU SMB-focused EMI platform that solves the multi-country invoicing-plus-accounting-integration problem better than Qonto, Wise Business, and Revolut Business — local IBAN issuance across NL/DE/FR/IT/ES/PL plus native DATEV / Lexoffice (Germany) and Pennylane (France) integrations is the workflow win for SMBs operating across multiple EU markets. The freelancer-plus-SMB onboarding is structurally paved across entity types (sole trader, GmbH, SARL, BV, SAS, Sp. z o.o., S.R.L.), making Finom the structural fit for German freelancers and EU operators who need country-specific local IBANs without running multiple bank relationships.
Pick Qonto if…
Pick if you run an EU SME and need multi-currency invoicing, accounting integrations, and proper receipts.
- Best for fees Finom won 2 of 4
- Best for protection Finom won 1 of 2
- Best for reach Qonto won 1 of 3
- Best for ux Qonto won 1 of 2
Finom vs Qonto — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Finom better than Qonto?
Under our v3 methodology, Finom leads Qonto 4–2 across 12 dimensions. Composite scores: Finom 64/100 vs Qonto 51/100. Finom is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Finom or Qonto cheaper?
Monthly fee — Finom: €0; Qonto: €9. Card FX markup — Finom: 0.70%; Qonto: 1.70%. Finom 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, Finom or Qonto?
Finom holds a E-money inst. licence under DNB; deposit guarantee per depositor: Safeguarded. 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. Finom is the stronger pick on regulatory protection.
Where can I use Finom and Qonto?
Finom operates in 7 countries; 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.