Updated September 28, 2026 · SumCue Editorial Team
Current Build Card vs Qonto
Current Build Card
Higher score in this comparison
Qonto
Current Build Card vs Qonto: the differences
| Compare | Current Build CardReviewVisitVisit | QontoReviewVisitVisit |
|---|---|---|
| Annual fee | $0 | €0 |
| APR | 0%Lower | 17.5% |
| Currency conversion fee | 3% | 2%Lower |
| Rewards type | Points | None |
| Perks | Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit, Fee free overdraft, 40,000 fee free in network ATMs, Savings Pods with annual boosts up to 4.00%, Buy and sell crypto with no trading fees, Cash deposits at 60,000 retail locations, Credit reporting to Equifax, Experian and TransUnion, Teen and custodial accounts | 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 | Charge | Credit |
| Rewards rate | 1x points per $1 on eligible purchases, redeemable as cash back | Not confirmed |
| Credit needed | Poor | Not confirmed |
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
- Current Build Card scores higher overall: 9.4 vs 8.6.
- Qonto is available in 7 more countries.
- APR is lower at Current Build Card: 0% vs 17.5%.
- Currency conversion fee is lower at Qonto: 2% vs 3%.
- Perks: only Current Build Card offers Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit, Fee free overdraft.
- 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 Phone.
- Features: only Current Build Card offers Rewards, Secured.
- Features: only Qonto offers Multi currency, Virtual card, Travel.
Our verdict on each
Current Build Card
The Current Build Card suits US adults building credit who want a secured card with no annual fee. Its rewards are one point per dollar on eligible purchases, redeemable as cash back. Foreign spend costs 3%, so it is poor value abroad and better kept for domestic use.
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 | Current Build Card | Qonto |
|---|---|---|
| Cost | 9.2HigherAnnual fee of $0 and an APR of 0%, the weakest part being the 3% currency conversion fee. | 8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0. |
| Offer | 9.6Higher | 9.4 |
| Trust | Not confirmed | 8.4 |
Availability and regulation
| Country | Current Build Card | Qonto |
|---|---|---|
| France | Not confirmed | FR_ACPR PSD_PI FR_ACPR!68677 |
| United States | NMLS (Finco Advance LLC) 2670557 NMLS (FinCo Licensing LLC) 2533115 Kansas Office of the State Bank Commissioner EWA.0000025 State of Missouri Division of Finance EWA-25-9579 Utah Division of Consumer Protection 14246805-EWAS | Not confirmed |
Additional countries for Current Build Card: 1. Additional countries for Qonto: 8.
How they place
| Ranking | Current Build Card | Qonto |
|---|---|---|
| Credit and debit cards | 20 of 1594 | 12 of 1594 |
| Credit cards | 6 of 421 | 3 of 421 |
Where these facts come from
Current Build Card
- current.com: 13 facts, checked September 26, 2026
Qonto
- qonto.com: 11 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Current Build Card | Qonto |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards, Secured | Multi currency, Virtual card, Travel |
| Audience | Not confirmed | Business |
| Legal entity | Finco Services, Inc. | QONTO |
| Headquarters | United States | France |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Chat, Help centre | Chat, Phone, Email, Help centreCovers more |
Savings
| Fact | Current Build Card | Qonto |
|---|---|---|
| Headline rate | Not confirmed | 1.5% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | €0 |
| Deposit protection | Not confirmed | 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 | Current Build Card | Qonto | Median |
|---|---|---|---|
| APR | 0%lowest quarter | 17.5%above the median | 11.635% |
| Currency conversion fee | 3%highest quarter | 2%above the median | 1% |
Median across 486 listed providers.
Pros and cons
Current Build Card
Pros
- Annual fee of $0 and an APR of 0%, so holding and carrying a balance cost nothing
- Secured, so it suits a poor credit profile
- Points on eligible purchases, redeemable as cash back, with a points scheme
Cons
- Currency conversion fee of 3% is the weak spot for travel spending
- Support runs on email, chat and help centre only, with no phone line listed
- It is a charge card, so full balances come due each cycle rather than revolving on terms
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
Current Build Card
Who it suits
- US adults with a poor credit history needing a first card with no annual fee
- Anyone who wants a secured card reporting to Equifax, Experian and TransUnion
- Direct deposit earners who value early pay and fee-free overdrafts
Who should look elsewhere
- Frequent travellers, since the currency conversion fee of 3% applies on foreign spend
- Anyone who wants to revolve a balance on a card credit line, as this is a charge card
- People who need phone support, since channels are limited to email, chat and help centre
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 | Current Build Card | Qonto |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Portugal | No | Yes |
| Spain | No | Yes |
8 of 9 countries where either is available.
Questions about each
Current Build Card
How much is the Current Build Card to keep?+
There is no annual fee, so the card costs nothing to hold in the US. The APR is 0%, which means no interest is added to balances. The only charge to watch is the 3% currency conversion fee on foreign spending.
Who can apply for this secured card?+
It is built for a poor credit profile, since a secured card backs your limit with a deposit rather than a long credit history. Teen and custodial accounts are also offered, so younger US account holders can start building a file.
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%.
Other options to compare
Other matchups
- Qonto vs COCA Card
- Qonto vs Airwallex
- Current Build Card vs Nexo
- Qonto vs Betterment
- Qonto vs Wealthfront
- Qonto vs Wise
- Qonto vs Betterment Cash Reserve
- Qonto vs Insignis Cash
- Qonto vs Global66
- Qonto vs ActivTrades
- Qonto vs XTB
- Qonto vs Finom
- Qonto vs eToro
- Qonto vs Linxea
- Current Build Card vs DKB
- Qonto vs bunq Spain
- Qonto vs bunq
- Current Build Card vs Vexi
- Qonto vs iuvoSAVE
- Qonto vs Empower Personal Dashboard
- Qonto vs J&T Direktbank
- Qonto vs Revolut
- Current Build Card vs ICICI Bank Credit Cards
- Current Build Card vs Wirex
- Current Build Card vs KTC credit card
- Current Build Card vs ICICI Bank