Updated September 28, 2026 · SumCue Editorial Team
Qonto vs Wealthfront
Qonto
Wealthfront
Higher score in this comparison
Qonto vs Wealthfront: the differences
| Compare | QontoReviewVisitVisit | WealthfrontReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 1.5% | 3.55% to 4.45%Higher |
| Minimum deposit | €0 | $1 |
| Deposit protection | EU DGS up to EUR 100,000 | FDIC up to USD 250,000 |
| 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 | Free 24/7 instant withdrawals, withdraw any time with no fees |
| Monthly fee | €9 | $0 |
| Regulators | Not confirmed | SIPC |
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
- Wealthfront scores higher overall: 9.2 vs 8.6.
- Founded is lower at Wealthfront: 2011 vs 2017.
- Qonto is available in 7 more countries.
- Headline rate is higher at Wealthfront: 3.55% to 4.45% vs 1.5%.
- Support channels: only Qonto offers Chat.
- Pricing model: only Qonto offers No annual fee.
- Pricing model: only Wealthfront offers Commission free.
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%.
Wealthfront
Wealthfront suits US savers who want automated investing and a cash account in one place, with a management fee of 0.25% and no dealing charge on stocks. Costs stay low against robo rivals, though the accounts serve the US market only.
Score breakdown
| Area | Qonto | Wealthfront |
|---|---|---|
| Cost | 8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0. | 9.1HigherManagement fee of 0.25% on robo portfolios, $0 for commission-free share dealing, $0 and $0 on cash |
| Offer | 9.4 | 9.4 |
| Trust | 8.4 | 9.1Higher |
Where each is licensed and available
| Country | Qonto | Wealthfront |
|---|---|---|
| France | FR_ACPR PSD_PI FR_ACPR!68677 | Not confirmed |
| United States | Not confirmed | SIPC SIPC member 68534 |
Additional countries for Qonto: 8. Additional countries for Wealthfront: 1.
If neither fits
Finom has headline rate at 5%, against 1.5% for Qonto and 3.55% to 4.45% for Wealthfront.
Finom reviewSources behind this comparison
Qonto
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Wealthfront
- wealthfront.com: 10 facts, checked September 26, 2026
- sipc.org: 2 facts, checked September 26, 2026
- reports.adviserinfo.sec.gov: 1 fact, checked September 26, 2026
How they place
| Ranking | Qonto | Wealthfront |
|---|---|---|
| Savings | 11 of 1492 | 321 of 1492 |
| Savings accounts | 8 of 658 | 216 of 658 |
| Cash management accounts | 3 of 46 | 10 of 46 |
Every fact side by side
| Fact | Qonto | Wealthfront |
|---|---|---|
| Pricing model | No annual fee | Commission free |
| Legal entity | QONTO | WEALTHFRONT BROKERAGE LLC |
| Headquarters | France | United States |
| Founded | 2017 | 2011Lower |
| Support channels | Chat, Phone, Email, Help centreCovers more | Email, Phone, Help centre |
Credit cards
| Fact | Qonto | Wealthfront |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| APR | 17.5% | Not confirmed |
| Currency conversion fee | 2% | Not confirmed |
| Rewards type | None | Not confirmed |
| Features | Multi currency, Virtual card, Travel | Fractional shares, Mobile app |
| 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 | Not confirmed |
| Audience | Business | Beginners |
Brokers
| Fact | Qonto | Wealthfront |
|---|---|---|
| Stock trade fee | Not confirmed | $0 |
| Account fee | Not confirmed | $0 |
| Markets | Not confirmed | Stocks, ETFs, Bonds, Funds |
| Investor protection | Not confirmed | SIPC up to USD 500,000 |
| Deposit and withdrawal fees | Not confirmed | Free instant withdrawals |
| Platforms | Not confirmed | Web, iOS app, Android app |
| Account types | Not confirmed | IRA, Roth IRA, Joint |
| Interest on cash | Not confirmed | 3.55% |
Where each stands against the rest
| Fact | Qonto | Wealthfront | Median |
|---|---|---|---|
| Headline rate | 1.5%lowest quarter | 3.55% to 4.45%above the median | 3.3% |
Median across 710 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%.
Wealthfront
Pros
- Management fee of 0.25% sits below the site median of 0.35%
- Commission-free share dealing at $0, with fractional shares in the app
- Cash account with a variable rate, a monthly fee of $0 and free instant withdrawals
Cons
- A management fee of 0.25% still applies, so returns are capped by cost
- The managed portfolio needs a minimum investment of $500
- Markets cover stocks, etfs and bonds, with no derivatives or share dealing outside listed asset types
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.
Wealthfront
Who it suits
- US beginners who want automated portfolios set up with a minimum investment of $500
- Savers who want a variable-rate cash account with 3.55% and free instant withdrawals
- IRA holders, since account types include ira, roth ira and joint
Who should look elsewhere
- eToro, where the management fee is 0% and the focus is trading rather than managed portfolios
- Axos Invest, where the minimum investment is $100 and the range sits in a robo portfolio
- Empower Personal Dashboard, where the management fee is 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
Wealthfront
Current offer
Bonus
Cash Account APY Boost: up to 4.45% APY (3.55% base APY as of 09/18/2026)
APY Boost applies up to a $150,000 balance; 3.55% base APY as of 09/18/2026, provided by program banks and subject to change; funds held at program banks
Source, checked September 26, 2026
Country by country
| Country | Qonto | Wealthfront |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Portugal | Yes | No |
| Spain | Yes | No |
8 of 9 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%.
Wealthfront
What does Wealthfront charge to manage my money?+
The advisory fee is 0.25% a year on automated portfolios, which sits below the site median of 0.35%. Self-directed share dealing is separate and commission-free at $0. There is no separate account charge, with an account fee of $0.
How much do I need to start investing?+
The managed portfolio needs a minimum investment of $500. If you would rather pick shares yourself, buying starts from a minimum deposit of $1. Fractional shares are offered in the app, so a small sum can still be spread.
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Qonto
Wealthfront