Updated October 17, 2026 · SumCue Editorial Team
iuvoSAVE vs Qonto
iuvoSAVE
Higher score in this comparison
Qonto
What sets them apart
| Compare | iuvoSAVEReviewVisitVisit | QontoReviewVisitVisit |
|---|---|---|
| Headline rate | 5%Higher | 1.5% |
| Rate type | Fixed | Variable |
| Minimum deposit | €10 | €0Lower |
| Access terms | Funds can be added at any time and early exit is allowed before the due date, capped at 10 000 EUR per month per iuvoSAVE version, with a 1% fee on the amount exited early; balance becomes available automatically after the due date unless renewal is selected | 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 |
| Account kind | Fixed | Cash management |
| Term | 3 months | Not confirmed |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
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
- iuvoSAVE scores higher overall: 9.0 vs 8.6.
- Founded is lower at iuvoSAVE: 2016 vs 2017.
- Qonto is available in 7 more countries.
- Minimum deposit is lower at Qonto: €0 vs €10.
- Monthly fee is lower at iuvoSAVE: €0 vs €9.
- Headline rate is higher at iuvoSAVE: 5% vs 1.5%.
- Support channels: only Qonto offers Help centre.
- Pricing model: only iuvoSAVE offers No monthly fee, Fixed rate.
- Pricing model: only Qonto offers No annual fee.
Our verdict on each
iuvoSAVE
For households in Europe, iuvoSAVE is a P2P portal for purchasing receivables through a mobile app with ongoing access to added funds. It appeals to beginners wanting simple mobile actions, automated allocation and carefully screened originators focused on reputation and stability.
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 | iuvoSAVE | Qonto |
|---|---|---|
| Cost | 9.1Higher | 8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0. |
| Offer | 9.7Higher | 9.4 |
| Trust | 8.4 | 8.4 |
Where they rank in our lists
| Ranking | iuvoSAVE | Qonto |
|---|---|---|
| Savings | 14 of 1492 | 11 of 1492 |
Choosing between them
Pick iuvoSAVE if cost, offer, headline rate, and monthly fee matter most.
Pick Qonto if minimum deposit matter most.
What we checked
iuvoSAVE
- iuvo-group.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
Every fact side by side
| Fact | iuvoSAVE | Qonto |
|---|---|---|
| Pricing model | No monthly fee, Fixed rate | No annual fee |
| Legal entity | IUVO GROUP OÜ | QONTO |
| Headquarters | Estonia | France |
| Founded | 2016Lower | 2017 |
| Support channels | Email, Chat, Phone | Chat, Phone, Email, Help centreCovers more |
Credit cards
| Fact | iuvoSAVE | Qonto |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| APR | Not confirmed | 17.5% |
| Currency conversion fee | Not confirmed | 2% |
| Rewards type | Not confirmed | None |
| Features | Mobile app | 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 | iuvoSAVE | Qonto | Median |
|---|---|---|---|
| Headline rate | 5%above the median | 1.5%lowest quarter | 3.3% |
| Term | 3 monthslowest quarter | Not confirmed | 60 months |
| Minimum deposit | €10above the median | €0below the median | €1 |
| Monthly fee | €0at the median | €9highest quarter | €0 |
Median across 710 listed providers.
Pros and cons
iuvoSAVE
Pros
- Mobile app handles receivables activity within a couple of clicks.
- Auto Assign places available funds using predefined selection filters.
- Only approved originators appear after reputation and stability checks.
Cons
- Range stays focused on receivables with no wider asset types shown.
- Access stays centred on the mobile app without branch service.
- Portal positioning reflects Europe rather than worldwide coverage.
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
iuvoSAVE
Who it suits
- Households in Europe exploring receivables investing
- Beginners wanting simple clicks plus automated allocation
- People keeping access to added funds
Who should look elsewhere
- People wanting branch service
- People wanting asset classes beyond receivables
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 | iuvoSAVE | Qonto |
|---|---|---|
| Austria | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Portugal | No | Yes |
| Spain | No | Yes |
| Belgium | Yes | Yes |
Questions about each
iuvoSAVE
What does iuvoSAVE offer?+
iuvoSAVE provides a portal for purchasing receivables with predictable maturity and return. Management happens through the mobile app within a couple of clicks. Added funds remain accessible at any time while they are put to work.
Which markets does iuvoSAVE serve?+
iuvoSAVE presents itself as a P2P portal in Europe. Its messaging addresses households across the region seeking everyday money products. The footprint stays European rather than extending worldwide.
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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