Updated September 29, 2026 · SumCue Editorial Team
Qonto vs Wirex
Qonto
Wirex
Higher score in this comparison
Qonto vs Wirex: the differences
| Compare | QontoReviewVisitVisit | WirexReviewVisitVisit |
|---|---|---|
| Monthly fee | €9 | $0 |
| Currency conversion fee | 2% | 0%Lower |
| Card network | Mastercard | Visa |
| Currencies | from 30 | 150 |
| Free ATM withdrawals | €0 | Not confirmed |
| Cashback rate | Not confirmed | 0.5% to 8% |
| Custody | Not confirmed | Self custody |
Same on both: Card type (Debit).
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Key differences
- Wirex scores higher overall: 9.1 vs 8.6.
- Founded is lower at Wirex: 2014 vs 2017.
- Currency conversion fee is lower at Wirex: 0% vs 2%.
- Support channels: only Qonto offers Chat, Phone, Email.
- Support channels: only Wirex offers Community.
- Features: only Wirex offers Crypto.
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%.
Wirex
Wirex suits travellers and crypto spenders who want a Visa debit card with cashback and multi-currency spend linked to a mobile wallet. Monthly fee sits at $0 with currency conversion at 0%, while cover comes through Superintendency of the Financial System oversight in daily use.
Score breakdown
| Area | Qonto | Wirex |
|---|---|---|
| Cost | 8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0. | 9.5HigherMonthly fee at $0 and conversion at 0% keep everyday spend light |
| Offer | 9.4 | 9.4Cashback at Up to 8% cashback with support across 150 adds breadth |
| Trust | 8.4 | 8.5HigherOversight by Superintendency of the Financial System frames custody and card use for holders |
Positions in our rankings
| Ranking | Qonto | Wirex |
|---|---|---|
| Credit and debit cards | 12 of 1594 | 30 of 1594 |
| Credit cards | 3 of 421 | 11 of 421 |
| Debit cards | 10 of 826 | 24 of 826 |
Availability and regulation
| Country | Qonto | Wirex |
|---|---|---|
| El Salvador | Not confirmed | |
| France | FR_ACPR PSD_PI FR_ACPR!68677 | Not confirmed |
Every fact side by side
| Fact | Qonto | Wirex |
|---|---|---|
| Features | Multi currency, Virtual card, Travel | Crypto, Multi currency, Travel, Virtual cardCovers more |
| Audience | Business | Not confirmed |
| Legal entity | QONTO | Wirex Europe sp z.o.o. |
| Headquarters | France | United Kingdom |
| Founded | 2017 | 2014Lower |
| Support channels | Chat, Phone, Email, Help centre | Community, Help centre |
Credit cards
| Fact | Qonto | Wirex |
|---|---|---|
| Annual fee | €0 | $0 |
| APR | 17.5% | Not confirmed |
| Rewards type | None | Cashback |
| Pricing model | No annual fee | No annual fee |
| Rewards rate | Not confirmed | Up to 8% cashback |
| 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 | 50% off subscriptions |
| Card kind | Credit | Not confirmed |
| Regulators | Not confirmed | Superintendency of the Financial System |
Savings
| Fact | Qonto | Wirex |
|---|---|---|
| Headline rate | 1.5% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Minimum deposit | €0 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| 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 | Not confirmed |
| Account kind | Cash management | Not confirmed |
Crypto wallets
| Fact | Qonto | Wirex |
|---|---|---|
| Wallet type | Not confirmed | Mobile |
| Price | Not confirmed | $0 |
| Coins supported | Not confirmed | 40 |
Crypto exchanges
| Fact | Qonto | Wirex |
|---|---|---|
| Fiat deposit methods | Not confirmed | Card, Bank, SEPA, ACH |
| Withdrawal fee | Not confirmed | Variable network fees |
| Exchange type | Not confirmed | Cex |
Where each stands against the rest
| Fact | Qonto | Wirex | Median |
|---|---|---|---|
| Currency conversion fee | 2%above the median | 0%below the median | 1% |
| Free ATM withdrawals | €0below the median | Not confirmed | €4 |
| Cashback rate | Not confirmed | 0.5% to 8%highest quarter | 2 |
| Currencies | from 30highest quarter | 150highest 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%.
Wirex
Pros
- Monthly upkeep stays at $0 with no annual charge at $0
- Foreign spend carries 0% conversion on the Visa network Visa
- Cashback rewards of Up to 8% cashback plus perks covering 50% off subscriptions
Cons
- Support runs on community and help centre only
- Crypto withdrawals face Variable network fees, which can vary with network conditions
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.
Wirex
Who it suits
- Travellers spending across currencies who want Visa acceptance
- Crypto holders wanting mobile access with card spend
Who should look elsewhere
- Card shoppers wanting wider coin coverage may prefer Bitpanda for a different asset range
- Users wanting voice based service may prefer eToro for a different support setup
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 | Wirex |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Portugal | Yes | No |
| Spain | Yes | No |
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%.
Wirex
What does the Wirex card cost each month?+
Monthly upkeep sits at $0 and annual upkeep sits at $0. You can hold and spend through the linked account without a standing charge for the card itself, which helps budgeting across travel and daily shopping.
Does Wirex charge for currency conversion?+
Currency conversion on card use sits at 0%. You can spend abroad and across currencies without an added exchange markup on the card, which keeps travel purchases and online orders in other currencies easier to plan.
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