Updated September 29, 2026 · SumCue Editorial Team
Advanzia Gebuehrenfrei vs Qonto
Qonto
Advanzia Gebuehrenfrei
Higher score in this comparison
What sets them apart
| Compare | Advanzia GebuehrenfreiReviewSee alternativesSee alternatives | QontoReviewVisitVisit |
|---|---|---|
| Currency conversion fee | 0%Lower | 2% |
| Rewards type | Cashback | None |
| Perks | Up to 7 weeks interest free payment target, Travel insurance included, Free 24h customer service, 1.7 million ATMs and 35 million acceptance points worldwide, Mobile payment with Google Pay, Apple Pay and Garmin Pay, Advanzia mobile app, No minimum spend | 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 |
| APR | Not confirmed | 17.5% |
| Rewards rate | 5% back on rental car bookings, 5% travel credit on bookings | Not confirmed |
Same on both: Annual fee (€0), Card kind (Credit).
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Key differences
- Advanzia Gebuehrenfrei scores higher overall: 9.0 vs 8.6.
- Founded is lower at Advanzia Gebuehrenfrei: 2005 vs 2017.
- Qonto is available in 7 more countries.
- Currency conversion fee is lower at Advanzia Gebuehrenfrei: 0% vs 2%.
- Perks: only Advanzia Gebuehrenfrei offers Up to 7 weeks interest free payment target, Travel insurance included, Free 24h customer service.
- Perks: only Qonto offers 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).
- Support channels: only Qonto offers Chat, Email, Help centre.
- Features: only Advanzia Gebuehrenfrei offers Rewards.
- Features: only Qonto offers Multi currency, Virtual card, Travel.
Our verdict on each
Advanzia Gebuehrenfrei
Advanzia Gebuehrenfrei suits euro spenders who book rental cars and travel, since cashback of 5% back on rental car bookings, 5% travel credit on bookings is aimed at exactly those bookings.
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 | Advanzia Gebuehrenfrei | Qonto |
|---|---|---|
| Cost | 9.4HigherFees of €0 a year and 0% on conversion, ranked 1 of 312 on annual fee. | 8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0. |
| Offer | 8.8 | 9.4Higher |
| Trust | 8.7Higher | 8.4 |
How they place
| Ranking | Advanzia Gebuehrenfrei | Qonto |
|---|---|---|
| Savings | 407 of 1492 | 11 of 1492 |
| Credit and debit cards | 452 of 1594 | 12 of 1594 |
| Credit cards | 138 of 421 | 3 of 421 |
Every fact side by side
| Fact | Advanzia Gebuehrenfrei | Qonto |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Multi currency, Virtual card, Travel |
| Audience | Not confirmed | Business |
| Legal entity | Advanzia Bank S.A. | QONTO |
| Headquarters | Luxembourg | France |
| Founded | 2005Lower | 2017 |
| Support channels | Phone | Chat, Phone, Email, Help centreCovers more |
Savings
| Fact | Advanzia Gebuehrenfrei | Qonto |
|---|---|---|
| Headline rate | Not confirmed | 1.5% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | €0 |
| Deposit protection | EU DGS up to EUR 100,000 | EU DGS up to EUR 100,000 |
| Access terms | Not confirmed | 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 |
| Monthly fee | Not confirmed | €9 |
| Account kind | Not confirmed | Cash management |
Where each stands against the rest
| Fact | Advanzia Gebuehrenfrei | Qonto | Median |
|---|---|---|---|
| Annual fee | €0at the median | €0at the median | €0 |
| APR | Not confirmed | 17.5%above the median | 11.635% |
| Currency conversion fee | 0%below the median | 2%above the median | 1% |
Median across 486 listed providers.
Pros and cons
Advanzia Gebuehrenfrei
Pros
- Cashback on rental car and travel bookings, at 5% back on rental car bookings, 5% travel credit on bookings.
- No minimum spend, with an interest-free payment target on a purchase set out in up to 7 weeks interest free payment target, travel insurance included and free 24h customer service.
- Balances with the bank are covered by EU DGS up to EUR 100,000.
Cons
- Customer support runs on phone only.
- Rewards are narrow: 5% back on rental car bookings, 5% travel credit on bookings focuses on rental car and travel bookings rather than everyday spending.
- It is a credit card, so a balance left after the interest-free target is borrowed money.
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
Advanzia Gebuehrenfrei
Who it suits
- Euro spenders who travel and pay in a single currency.
- Card holders who book rental cars or travel through the bank, where the cashback sits.
- People who clear the balance within the interest-free payment target in up to 7 weeks interest free payment target, travel insurance included and free 24h customer service.
Who should look elsewhere
- Varo Believe Secured Credit Card, for anyone after a secured card rather than a euro travel card.
- Wise, for spending money you already hold, with an annual fee of £0.
- Starling Personal Account Debit Card, for a sterling account that spends your own balance, with an annual fee of £0.
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 | Advanzia Gebuehrenfrei | Qonto |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| France | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Portugal | No | Yes |
| Spain | No | Yes |
| Germany | Yes | Yes |
Questions about each
Advanzia Gebuehrenfrei
What does it cost to hold the card?+
The annual fee is €0 and the card carries no minimum spend, so nothing has to be earned or paid back to keep it open. It is a credit card, so cost only starts when a balance is left beyond the interest-free payment target in up to 7 weeks interest free payment target, travel insurance included and free 24h customer service.
Is there a charge when I spend in another currency?+
The currency conversion fee is 0%, so euro spending abroad adds nothing to convert. That places the card at 1 of 186 brands on this fee, and travel insurance comes as part of up to 7 weeks interest free payment target, travel insurance included and free 24h customer service for trips paid for on the card.
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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Qonto
Advanzia Gebuehrenfrei