Updated September 28, 2026 · SumCue Editorial Team
Finom vs Qonto
Finom
Higher score in this comparison
Qonto
Finom vs Qonto: the differences
| Compare | FinomReviewVisitVisit | QontoReviewVisitVisit |
|---|---|---|
| Headline rate | 5%Higher | 1.5% |
| Rate type | Fixed | Variable |
| Access terms | Instant access, withdraw at any time with no withdrawal penalties | 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 | €0Lower | €9 |
Same on both: Minimum deposit (€0), Deposit protection (EU DGS up to EUR 100,000), Account kind (Cash management).
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
- Finom scores higher overall: 8.9 vs 8.6.
- Founded is lower at Qonto: 2017 vs 2019.
- Finom is licensed in 1 more country.
- Finom is available in 3 more countries.
- Monthly fee is lower at Finom: €0 vs €9.
- Headline rate is higher at Finom: 5% vs 1.5%.
- Support channels: only Finom offers Community.
- Support channels: only Qonto offers Phone.
- Pricing model: only Finom offers No monthly fee, Fixed rate.
- Pricing model: only Qonto offers No annual fee.
Our verdict on each
Finom
Finom is a cash management account for a business audience that pays a fixed 5% headline with a monthly fee of €0 and instant access whenever cash is needed. It suits companies that hold euro reserves and want deposit protection of EU DGS up to EUR 100,000 without locking the money away.
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 | Finom | Qonto |
|---|---|---|
| Cost | 9.3HigherRunning costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. | 8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0. |
| Offer | 9.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. | 9.4 |
| Trust | 8.2 | 8.4Higher |
Availability and regulation
| Country | Finom | Qonto |
|---|---|---|
| Cyprus | Not confirmed | |
| France | Not confirmed | FR_ACPR PSD_PI FR_ACPR!68677 |
| Netherlands | De Nederlandsche Bank (DNB) R180074 | Not confirmed |
Available in 8 countries for both. Additional countries for Finom: 3.
The bill, worked out
10,000 saved for 12 months
Finom
€500
5% of 10,000 - 12 × €0
Qonto
€42
1.5% of 10,000 - 12 × €9
Finom comes out €458 ahead.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Positions in our rankings
| Ranking | Finom | Qonto |
|---|---|---|
| Savings | 3 of 1492 | 11 of 1492 |
| Cash management accounts | 1 of 46 | 3 of 46 |
| Credit and debit cards | 2 of 1594 | 12 of 1594 |
Where these facts come from
Finom
- finom.co: 12 facts, checked September 26, 2026
Qonto
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Finom | Qonto |
|---|---|---|
| Pricing model | No monthly fee, Fixed rate | No annual fee |
| Legal entity | PNL Fintech B.V. | QONTO |
| Headquarters | Netherlands | France |
| Founded | 2019 | 2017Lower |
| Support channels | Email, Chat, Help centre, Community | Chat, Phone, Email, Help centre |
Credit cards
| Fact | Finom | Qonto |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| APR | Not confirmed | 17.5% |
| Currency conversion fee | Not confirmed | 2% |
| Rewards type | Cashback | None |
| Features | Rewards | Multi currency, Virtual card, Travel |
| Rewards rate | up to 3% | Not confirmed |
| 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 | Business | Business |
Where each stands against the rest
| Fact | Finom | Qonto | Median |
|---|---|---|---|
| Headline rate | 5%above the median | 1.5%lowest quarter | 3.3% |
| Minimum deposit | €0below the median | €0below the median | €1 |
| Monthly fee | €0at the median | €9highest quarter | €0 |
Median across 710 listed providers.
Pros and cons
Finom
Pros
- A fixed 5% headline, above bunq at 3.01% and Wise at 3.29%.
- The cash management account carries a monthly fee of €0 and a minimum deposit of €0, so nothing is taken back out of the balance.
- Instant access with no withdrawal penalties, so cash can move the same day it lands.
Cons
- Support runs on email, chat and help centre only, so an urgent payment problem has no phone line to call.
- The fixed 5% rate is set rather than linked, so it carries no upside if market rates climb further.
- Deposit protection runs as EU DGS up to EUR 100,000, so a balance above that ceiling carries the risk itself.
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
Finom
Who it suits
- Companies that keep euro working capital in one place and draw on it as invoices clear, on a fixed rate of 5%.
- Business owners who care more about fees than flexibility, since the monthly charge is €0.
- Firms that want deposit protection of EU DGS up to EUR 100,000 without giving up instant access.
Who should look elsewhere
- Personal savers weighing bunq or Wise, because the account is built for a business audience rather than households.
- Anyone who needs a phone line, since support runs on email, chat and help centre only while 80.2% of savings brands take calls.
- Anyone holding more cash than the guarantee scheme covers, since protection runs as EU DGS up to EUR 100,000.
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
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
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 | Finom | Qonto |
|---|---|---|
| Cyprus | Yes | No |
| Ireland | Yes | No |
| Poland | Yes | No |
| Austria | Yes | Yes |
| Belgium | Yes | Yes |
| France | Yes | Yes |
| Germany | Yes | Yes |
| Italy | Yes | Yes |
8 of 11 countries where either is available.
Questions about each
Finom
What interest rate does Finom pay?+
Finom pays a headline rate of 5% on its cash management account, and the rate is fixed. That figure is set rather than something that follows a base rate, so the headline shown is the rate the account pays for as long as it runs. Cashback of up to 3% adds a further stream of return on top of the interest.
Is there a monthly or annual fee?+
Monthly fees on the cash management account are €0, and the pricing model is a no monthly fee setup alongside a fixed rate. The interest is the return line and nothing further is taken from the balance, so a business holding a large euro float keeps the whole 5% headline.
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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