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Updated September 28, 2026 · SumCue Editorial Team

Insignis Cash vs Qonto

Insignis Cash scores 9.0 and Qonto 8.6 out of 10. Compare their differences and shared features below.
Qonto

Qonto

8.6/10
Visit
Insignis Cash

Insignis Cash

Higher score in this comparison

9.0/10
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Insignis Cash vs Qonto: the differences

Insignis Cash vs Qonto
CompareInsignis CashInsignis CashReviewSee alternativesSee alternativesQontoQontoReviewVisitVisit
Headline rate4.4% to 4.61%Higher1.5%
Minimum deposit£0€0
Deposit protectionFSCS up to GBP 85,000EU DGS up to EUR 100,000
Access termsEasy access, notice and fixed-term deposits up to 5 yearsInstant 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
Term6 to 60 monthsNot confirmed
Monthly feeNot confirmed€9

Same on both: Rate type (Variable), 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

  • Insignis Cash scores higher overall: 9.0 vs 8.6.
  • Qonto is available in 7 more countries.
  • Headline rate is higher at Insignis Cash: 4.4% to 4.61% vs 1.5%.
  • Support channels: only Qonto offers Chat.
  • Pricing model: only Insignis Cash offers Fixed rate.
  • Pricing model: only Qonto offers No annual fee.

Our verdict on each

Insignis Cash

Insignis Cash pays a variable rate on a cash management account, with a headline rate of 4.4% to 4.61% and a minimum deposit of £0, so it suits anyone building a balance from a small starting point. The rate can move during a term, so anyone wanting a fixed headline should weigh the trade-off.

Read the full Insignis Cash review

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%.

Read the full Qonto review

Score breakdown

Insignis Cash vs Qonto
AreaInsignis CashQonto
Cost9.5HigherA £0 minimum deposit and a variable headline rate of 4.4% to 4.61% make this a low cost place to park cash.8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0.
Offer9.29.4Higher
Trust8.48.4

The bill, worked out

10,000 saved for 12 months

Insignis Cash

440 to 461

4.4% to 4.61% of 10,000

Qonto

150

1.5% of 10,000

Insignis Cash comes out 311 higher in this example.

Excludes monthly fee (not stated by Insignis Cash). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.

Where each is licensed and available

Insignis Cash vs Qonto
CountryInsignis CashQonto
FranceNot confirmed
FR_ACPR PSD_PI FR_ACPR!68677
United KingdomNot confirmed

Additional countries for Insignis Cash: 1. Additional countries for Qonto: 8.

A third option

Finom has headline rate at 5%, against 4.4% to 4.61% for Insignis Cash and 1.5% for Qonto.

Finom review

Where these facts come from

Insignis Cash

  • insigniscash.com: 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

How they place

Insignis Cash vs Qonto
RankingInsignis CashQonto
Savings444 of 149211 of 1492
Savings accounts294 of 6588 of 658
Cash management accounts14 of 463 of 46

Every fact side by side

Insignis Cash vs Qonto
FactInsignis CashQonto
Pricing modelFixed rateNo annual fee
Legal entityInsignis Asset Management LimitedQONTO
HeadquartersUnited KingdomFrance
Founded20172017
Support channelsEmail, Phone, Help centreChat, Phone, Email, Help centreCovers more

Credit cards

Insignis Cash vs Qonto
FactInsignis CashQonto
Annual feeNot confirmed€0
APRNot confirmed17.5%
Currency conversion feeNot confirmed2%
Rewards typeNot confirmedNone
FeaturesNot confirmedMulti currency, Virtual card, Travel
PerksNot confirmedCard 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 kindNot confirmedCredit
AudienceNot confirmedBusiness

Where each stands against the rest

Insignis Cash vs Qonto
FactInsignis CashQontoMedian
Headline rate4.4% to 4.61%above the median1.5%lowest quarter3.3
Term6 to 60 monthsat the medianNot confirmed60
Monthly feeNot confirmed€9highest quarter€0

Median across 710 listed providers.

Pros and cons

Insignis Cash

Pros

  • Deposits are covered by the FSCS, with cover stated as FSCS up to GBP 85,000.
  • The headline rate of 4.4% to 4.61% sits above the 3% median across savings accounts on the site and the 3.46% median in the cash management ranking.
  • Terms run 6 to 60, so you can move between easy access and fixed deposits without changing provider.

Cons

  • The rate type is variable, so the 4.4% to 4.61% headline can move during a fixed term instead of being set at the start.
  • Support runs on email, phone and help centre only, with no live chat for quick questions.
  • Cash management is a small corner of the market at 3.8% of the brands on the site, against 75.2% for easy access, so there is less to compare.

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

Insignis Cash

Who it suits

  • Anyone starting small, since the minimum deposit on the cash management account is £0
  • Savers who want a variable headline of 4.4% to 4.61% and the option to fix money for 6 to 60
  • People who want to reach help by phone or email through email, phone and help centre

Who should look elsewhere

  • bunq, whose headline rate is 3.01%, if a lower return on your money matters more than a term deposit
  • Wise, at 3.29%, if a multi-currency balance suits you better than a single UK deposit account

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

Insignis Cash vs Qonto
CountryInsignis CashQonto
AustriaNoYes
BelgiumNoYes
FranceNoYes
GermanyNoYes
ItalyNoYes
NetherlandsNoYes
PortugalNoYes
SpainNoYes

8 of 9 countries where either is available.

Questions about each

Insignis Cash

What rate does Insignis Cash pay on deposits?+

The headline rate is 4.4% to 4.61% and it is variable, so the figure moves with the market rather than being set for the whole term. The median savings headline on the site is 3%, so this sits in the upper part of the field. Compare it against bunq at 3.01% and Wise at 3.29% before you commit.

Is my money protected if the provider stops trading?+

Deposits are covered by the FSCS, and the provider states cover as FSCS up to GBP 85,000. The FSCS is the UK scheme behind eligible deposits, so money inside the stated limit is backed by the scheme. Anything held above that limit sits with the provider rather than the scheme, which matters more for larger balances.

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

Qonto

Visit

Insignis Cash

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