Updated September 28, 2026 · SumCue Editorial Team
Qonto vs Revolut
Qonto
Revolut
Higher score in this comparison
Where Qonto and Revolut differ
| Compare | QontoReviewVisitVisit | RevolutReviewVisitVisit |
|---|---|---|
| Monthly fee | €9 | £0 |
| Currency conversion fee | 2% | 0% to 2%Lower |
| Free ATM withdrawals | €0 | £200 |
| Card network | Mastercard | Visa |
| Currencies | from 30 | 160 |
Same on both: Card type (Debit).
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Key differences
- Revolut scores higher overall: 9.2 vs 8.6.
- Founded is lower at Revolut: 2015 vs 2017.
- Revolut is licensed in 2 more countries.
- Revolut is available in 21 more countries.
- Currency conversion fee is lower at Revolut: 0% to 2% vs 2%.
Our verdict on each
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%.
Revolut
Revolut suits people who want everyday banking, travel spending and easy-access savings in one app. Its debit account has a monthly fee of £0, a free ATM allowance of £200 and multi-currency, virtual-card and travel features, although its currency conversion fee can reach 0% to 2%.
Score breakdown
| Area | Qonto | Revolut |
|---|---|---|
| Cost | 8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0. | 9.4HigherThe debit account has a monthly fee of £0, while its currency conversion fee is 0% to 2%. |
| Offer | 9.4 | 9.8HigherThe offer includes multi-currency, virtual-card and travel features, plus a headline savings rate of 4%. |
| Trust | 8.4 | 8.5Higher |
How they place
| Ranking | Qonto | Revolut |
|---|---|---|
| Savings | 11 of 1492 | 22 of 1492 |
| Savings accounts | 8 of 658 | 14 of 658 |
| Credit and debit cards | 12 of 1594 | 24 of 1594 |
| Debit cards | 10 of 826 | 18 of 826 |
Where these facts come from
Qonto
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Revolut
- moneytothemasses.com: 4 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- pocketwise.co.uk: 2 facts, checked September 26, 2026
- revolut.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Qonto | Revolut |
|---|---|---|
| Features | Multi currency, Virtual card, Travel | Multi currency, Virtual card, Travel |
| Audience | Business | Not confirmed |
| Legal entity | QONTO | Revolut Digital Assets (Europe) Ltd |
| Headquarters | France | Cyprus |
| Founded | 2017 | 2015Lower |
| Support channels | Chat, Phone, Email, Help centre | Chat, Email, Phone, Help centre |
Credit cards
| Fact | Qonto | Revolut |
|---|---|---|
| Annual fee | €0 | €0 |
| APR | 17.5% | 13.34% to 17.99%Lower |
| Rewards type | None | Points |
| Pricing model | No annual fee | No monthly fee |
| Rewards rate | Not confirmed | 1.5 points per EUR1 |
| Perks | 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 | Not confirmed |
| Card kind | Credit | Credit |
| Regulators | Not confirmed | Cyprus Securities and Exchange Commission (CySEC), LT BL |
Savings
| Fact | Qonto | Revolut |
|---|---|---|
| Headline rate | 1.5% | 4%Higher |
| Rate type | Variable | Variable |
| Minimum deposit | €0 | £0 |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | 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 | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Account kind | Cash management | Easy access |
Crypto exchanges
| Fact | Qonto | Revolut |
|---|---|---|
| Taker fee | Not confirmed | 0.09% |
| Coins listed | Not confirmed | 200 to 230 |
| Fiat deposit methods | Not confirmed | Card, Bank |
| Maker fee | Not confirmed | 0% |
| Withdrawal fee | Not confirmed | network fee plus service fee |
| Derivatives | Not confirmed | No |
| Exchange type | Not confirmed | Cex |
Loans
| Fact | Qonto | Revolut |
|---|---|---|
| Loan types | Not confirmed | Personal |
Robo-advisors
| Fact | Qonto | Revolut |
|---|---|---|
| Management fee | Not confirmed | 0% |
| Investor protection | Not confirmed | FSCS up to GBP 85,000 |
| Account types | Not confirmed | ISA, Joint |
| Portfolio types | Not confirmed | ETF, Cash, Crypto |
Where each stands against the rest
| Fact | Qonto | Revolut | Median |
|---|---|---|---|
| Currency conversion fee | 2%above the median | 0% to 2%below the median | 1% |
| Currencies | from 30highest quarter | 160highest quarter | 8 |
Median across 336 listed providers.
Pros and cons
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%.
Revolut
Pros
- The debit account has a monthly fee of £0 and a free ATM allowance of £200.
- Savings offer instant access through the Revolut app, fee-free withdrawals and no withdrawal limits.
- The debit card includes multi-currency, virtual-card and travel features.
Cons
- Currency conversion fees can reach 0% to 2%, which may add cost when travelling or spending abroad.
- Crypto withdrawals carry network fee plus service fee.
- The savings rate is variable at variable, so the headline return may change.
Who each suits
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.
Revolut
Who it suits
- People who use Revolut for everyday spending and travel.
- Savings users wanting app-based easy access with fee-free withdrawals.
- Customers who want debit, credit, savings, investing and crypto services together.
Who should look elsewhere
- Wise users prioritising a lower stated currency conversion fee of 0.1%.
- Varo Believe Secured Credit Card users seeking a secured credit card rather than Revolut's debit and credit products.
- bunq users focused on comparing the stated monthly fee of €0 against Revolut's fee.
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 | Qonto | Revolut |
|---|---|---|
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
| Greece | No | Yes |
8 of 29 countries where either is available.
Questions about each
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%.
Revolut
What is Revolut's debit card monthly fee?+
Revolut's debit account has a monthly fee of £0. The card is a debit card on the Visa network, with multi-currency, virtual-card and travel features included in the stated offer.
How much can I withdraw from Revolut ATMs?+
The stated free ATM allowance is £200. Revolut is ranked 15 for this measure among 124 listed brands.
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