Updated September 29, 2026 · SumCue Editorial Team
ActivTrades vs Qonto
ActivTrades
Higher score in this comparison
Qonto
Where ActivTrades and Qonto differ
| Compare | ActivTradesReviewVisitVisit | QontoReviewVisitVisit |
|---|---|---|
| Headline rate | 3.3%Higher | 1.5% |
| Minimum deposit | $0 | €0 |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Access terms | Funds stay in the account and are free to trade at any time; interest on free margin is paid monthly | Instant access to the money, no notice period; remuneration activated in the app, calculated daily on the total balance and paid on the 2nd of each month; requires at least 5 eligible payment transactions of at least 1 EUR per month |
| Account kind | Easy access | Cash management |
| Monthly fee | Not confirmed | €9 |
| Regulators | FCA, SCB, CMVM, FSC, BACEN | Not confirmed |
Same on both: Rate type (Variable).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- ActivTrades scores higher overall: 9.4 vs 8.6.
- Qonto is available in 5 more countries.
- Headline rate is higher at ActivTrades: 3.3% vs 1.5%.
- Pricing model: only ActivTrades offers Commission free.
- Pricing model: only Qonto offers No annual fee.
Our verdict on each
ActivTrades
ActivTrades suits active traders seeking broad market access with commission free share dealing alongside forex, CFDs and bonds in a single account. Minimum deposit sits at $0 with stock trade fees at $0 and cover through FSCS up to GBP 85,000, while retail loss share stands at 84%.
Qonto
Qonto suits businesses that want a low-cost Mastercard debit card with included card insurance and account remuneration. It is less suitable for frequent cash withdrawals or overseas spending, because free ATM withdrawals are €0 and currency conversion costs 2%.
Score breakdown
| Area | ActivTrades | Qonto |
|---|---|---|
| Cost | 9.3HigherAccount upkeep stays light with charges at $0 for everyday holders. | 8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0. |
| Offer | 9.6HigherChoice spans asset classes listed as stocks, ETFs and forex for varied strategies. | 9.4 |
| Trust | 9.5HigherOversight spans regulators shown as FCA, SCB and CMVM for added assurance. | 8.4 |
Cost in a real example
10,000 saved for 12 months
ActivTrades
330
3.3% of 10,000
Qonto
150
1.5% of 10,000
ActivTrades comes out 180 higher in this example.
Excludes monthly fee (not stated by ActivTrades). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
What we checked
ActivTrades
- activtrades.com: 6 facts, checked September 28, 2026
- help.activtrades.com: 1 fact, checked September 29, 2026
- linkedin.com: 1 fact, checked September 26, 2026
Qonto
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
How they place
| Ranking | ActivTrades | Qonto |
|---|---|---|
| Savings | 1 of 1492 | 11 of 1492 |
| Savings accounts | 1 of 658 | 8 of 658 |
Every fact side by side
| Fact | ActivTrades | Qonto |
|---|---|---|
| Pricing model | Commission free | No annual fee |
| Legal entity | Not confirmed | QONTO |
| Headquarters | Not confirmed | France |
| Founded | Not confirmed | 2017 |
| Support channels | Not confirmed | Chat, Phone, Email, Help centre |
Crypto exchanges
| Fact | ActivTrades | Qonto |
|---|---|---|
| Taker fee | 0% | Not confirmed |
| Coins listed | 10 | Not confirmed |
| Fiat deposit methods | Card, Bank | Not confirmed |
| Features | Crypto, Demo account, Fractional shares, Mobile app | Multi currency, Virtual card, Travel |
| Maker fee | 0% | Not confirmed |
| Withdrawal fee | Free | Not confirmed |
| Derivatives | Yes | Not confirmed |
| Exchange type | Cex | Not confirmed |
Credit cards
| Fact | ActivTrades | Qonto |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| APR | Not confirmed | 17.5% |
| Currency conversion fee | 0.5%Lower | 2% |
| Rewards type | Not confirmed | None |
| Perks | Not confirmed | Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans), Apple Pay and Google Pay compatible, 24/7 support in France, 7 days a week elsewhere |
| Card kind | Not confirmed | Credit |
| Audience | Not confirmed | Business |
Where each stands against the rest
| Fact | ActivTrades | Qonto | Median |
|---|---|---|---|
| Headline rate | 3.3%at the median | 1.5%lowest quarter | 3.3% |
| Monthly fee | Not confirmed | €9highest quarter | €0 |
Median across 710 listed providers.
Pros and cons
ActivTrades
Pros
- Share dealing costs nothing with fees at $0, unlike DKB with fees of €10.
- Entry stays accessible with minimum deposit at $0 alongside funding via card and bank.
- Crypto derivatives are available with taker pricing at 0% for cost aware traders.
Cons
- Coin choice stays narrow at 10 for traders seeking wide crypto coverage.
- Currency conversion applies at 0.5% which adds cost for cross currency activity.
- Retail loss share stands elevated at 84%, highlighting CFD risk.
Qonto
Pros
- The Mastercard debit card has an annual fee of €0.
- Card insurance for travel, business purchases and fraud is included through Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Eligible Smart and Premium plans can receive account remuneration under the terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
Cons
- Qonto charges a monthly fee of €9, while bunq lists a monthly fee of €0.
- Free ATM withdrawals are €0, which may be costly for a business that regularly uses cash machines.
- The currency conversion fee of 2% is above the site median of 1%.
Who each suits
ActivTrades
Who it suits
- Traders seeking commission free stocks with fees at $0 and varied venues at ActivTrader, MetaTrader 4 and MetaTrader 5.
- Investors comfortable with forex and CFD exposure across assets at stocks, ETFs and forex.
- Savers holding trading cash who value interest at 3.3% with easy access.
Who should look elsewhere
- Traders seeking bank bundled saving plus investing may consider DKB, which structures share dealing around €10.
- Investors seeking social portfolios and guided themes may consider eToro, where entry starts at $50.
Qonto
Who it suits
- Businesses that regularly use a Mastercard debit card for travel or business purchases.
- Smart and Premium plan customers who meet the remuneration terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Users who want chat, phone, email and help-centre support through chat, phone and email.
Who should look elsewhere
- Businesses focused on low cost that may prefer bunq, whose monthly fee is €0.
- Frequent overseas spenders who prefer Wise and want to compare its fee with Qonto's 2%.
- Cash-heavy businesses that want free ATM withdrawals, because Qonto offers €0.
Current offers
Qonto
Current offer
Free trial
1-month free trial on all Qonto plans: 1 month free
Shown on Basic, Smart, Premium, Essential, Business and Enterprise plan cards on the pricing page.
Source, checked September 26, 2026
First period offer
Remunerated account: 5% AER for 2 months, then 1.5% AER: 5% AER for 2 months, then 1.5% AER
Smart and Premium plans; requires at least 5 eligible transactions per month; remunerated balance cap EUR 50,000 (Smart) or EUR 100,000 (Premium).
Source, checked September 26, 2026
Country by country
| Country | ActivTrades | Qonto |
|---|---|---|
| Argentina | Yes | No |
| Austria | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Portugal | No | Yes |
| Spain | No | Yes |
8 of 10 countries where either is available.
Questions about each
ActivTrades
What does ActivTrades charge for investing?+
Stock dealing carries fees of $0 with account upkeep at $0. Deposits and withdrawals are described as Free deposits and withdrawals. Currency conversion applies at 0.5%, so cross currency moves need care when sizing orders and planning holding periods.
How is money protected at ActivTrades?+
Investor protection is stated as FSCS up to GBP 85,000 with deposit protection described as FSCS up to GBP 85,000. Oversight comes from regulators listed as FCA, SCB and CMVM. Such cover has limits and conditions, so readers should check eligibility for their entity before funding.
Qonto
What does Qonto charge each month?+
Qonto's account fee is €9. The Mastercard debit card itself has an annual fee of €0. The card also offers a deferred debit option on Plus and X Cards at no extra cost under Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
What does Qonto charge for currency conversion?+
Currency conversions cost 2%. This matters for business travel or purchases made outside the account's working currency. Qonto supports multi-currency features, but the conversion charge remains 2%.
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