Updated October 17, 2026 · SumCue Editorial Team
Hargreaves Lansdown vs Qonto
Hargreaves Lansdown
Higher score in this comparison
Qonto
Where Hargreaves Lansdown and Qonto differ
| Compare | Hargreaves LansdownReviewVisitVisit | QontoReviewVisitVisit |
|---|---|---|
| Headline rate | 3.85% to 4.92%Higher | 1.5% |
| Minimum deposit | £0 | €0 |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Access terms | Easy access: withdraw money at any time, usually takes 1 working day | 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 | £0 | €9 |
| Account kind | Easy access | Cash management |
Same on both: Rate type (Variable).
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Key differences
- Hargreaves Lansdown scores higher overall: 9.6 vs 8.6.
- Founded is lower at Hargreaves Lansdown: 1981 vs 2017.
- Qonto is available in 7 more countries.
- Headline rate is higher at Hargreaves Lansdown: 3.85% to 4.92% vs 1.5%.
- Support channels: only Qonto offers Chat, Email.
- Pricing model: only Hargreaves Lansdown offers No monthly fee.
- Pricing model: only Qonto offers No annual fee.
Our verdict on each
Hargreaves Lansdown
Hargreaves Lansdown stands apart from standard banks by combining ISAs, pensions, investments and active savings in one investment service. It serves households in the UK who want long term investing with research, analyst insight and app management in one place.
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 | Hargreaves Lansdown | Qonto |
|---|---|---|
| Cost | 9.7Higher | 8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0. |
| Offer | 9.3 | 9.4Higher |
| Trust | 9.8Higher | 8.4 |
Where they rank in our lists
| Ranking | Hargreaves Lansdown | Qonto |
|---|---|---|
| Savings | 15 of 1492 | 11 of 1492 |
| Savings accounts | 9 of 658 | 8 of 658 |
Where each is licensed and available
| Country | Hargreaves Lansdown | Qonto |
|---|---|---|
| France | Not confirmed | FR_ACPR PSD_PI FR_ACPR!68677 |
Additional countries for Hargreaves Lansdown: 1. Additional countries for Qonto: 8.
If neither fits
Finom has headline rate at 5%, against 3.85% to 4.92% for Hargreaves Lansdown and 1.5% for Qonto.
Finom reviewWhat we checked
Hargreaves Lansdown
- hl.co.uk: 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 | Hargreaves Lansdown | Qonto |
|---|---|---|
| Pricing model | No monthly fee | No annual fee |
| Legal entity | Hargreaves Lansdown Asset Management Limited | QONTO |
| Headquarters | United Kingdom | France |
| Founded | 1981Lower | 2017 |
| Support channels | Phone, Help centre | Chat, Phone, Email, Help centreCovers more |
Credit cards
| Fact | Hargreaves Lansdown | Qonto |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| APR | Not confirmed | 17.5% |
| Currency conversion fee | Not confirmed | 2% |
| Rewards type | Not confirmed | None |
| Features | Not confirmed | Multi currency, Virtual card, Travel |
| 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 | Hargreaves Lansdown | Qonto | Median |
|---|---|---|---|
| Headline rate | 3.85% to 4.92%above the median | 1.5%lowest quarter | 3.3 |
Median across 710 listed providers.
Pros and cons
Hargreaves Lansdown
Pros
- Covers Stocks and Shares ISA, Cash ISA and pension in one range
- Provides analyst research on stocks, funds, trusts and ETFs
- Supports regular investing through Direct Debit contributions
Cons
- Manages accounts mainly through online tools and the app
- Keeps the focus on market investments rather than everyday banking
- Bond material spotlights gilts rather than a broad fixed income shelf
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
Hargreaves Lansdown
Who it suits
- Households building long term ISA and pension savings
- Investors wanting analyst research on shares and funds
- Savers keeping cash savings beside investments
Who should look elsewhere
- Shoppers seeking everyday current accounts
- Savers avoiding market based products
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 | Hargreaves Lansdown | 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
Hargreaves Lansdown
What pension does Hargreaves Lansdown provide?+
Hargreaves Lansdown provides a Self-Invested Personal Pension for people who want to direct their own retirement savings. The pension sits beside ISAs and investment accounts. It forms a central part of the long term range.
What can clients invest in?+
Clients can hold UK and overseas stocks, funds, investment trusts and ETFs. The range also covers gilts and wider bond market insight. An inhouse analyst team supplies research and analysis across those markets.
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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