Best Qonto Alternatives in 2026
10 alternatives reviewed to Qonto, each compared and rated with a public methodology.
Qonto · Qonto is the business account for freelancers and SMBs: French IBAN, cards, and built-in pre-accounting. Plans from €49/month, 30-day trial. View Qonto review →
The best Qonto alternative is Stripe, rated 9/10. To start for free, Pennylane offers a free plan. 10 alternatives compared below.
| Tool | Radar Score | Starting price | Review |
|---|---|---|---|
| Stripe | 9/10 | 1,5 % + 0,25 € par transaction | View review |
| Pennylane | 8/10 | 7 €/mois | View review |
| Sellsy | 8/10 | 29 €/mois | View review |
| Joiin | 7/10 | 28 $/mois | View review |
| Les Tricolores | 7/10 | 14,90 €/mois HT | View review |
| Keobiz | 7/10 | Dès 49 €/mois HT | View review |
| Shine | 7/10 | 9 €/mois | View review |
| SeDomicilier | 7/10 | Dès 13 €/mois | View review |
| Abby | 7/10 | Free | View review |
| Wave | 6/10 | Free | View review |
Payment infrastructure for the internet
Automation & No-code
+2 more
Stripe is the leading online payment infrastructure for accepting payments, no subscription, fee per transaction. From 1.5% + €0.25 per transaction.
The accounting and financial management platform for SMBs
Automation & No-code
+2 more
Pennylane combines accounting, invoicing, and financial management for French SMBs and their accountants. Free plan for micro-businesses, plans from €7/mo.
The CRM and invoicing suite for French SMBs
Finance & Accounting
+2 more
Sellsy combines CRM, invoicing, and cash flow management in one suite built for French SMBs. Based in La Rochelle, plans start at €29/month.
Multi-entity financial consolidation, no spreadsheets
Automation & No-code
+2 more
Joiin is a multi-entity financial consolidation tool that pulls in Xero, QuickBooks, and Sage. 14-day trial, billed per company from $28/month.
French-style business address and mail handling
E-commerce
+2 more
Les Tricolores is a French business address service: registered office address and mail handling. Plans start at €14.90/month excl. VAT.
The online chartered accounting firm for business owners and property investors
Finance & Accounting
+2 more
Keobiz is a French online accounting firm: bookkeeping, filings, VAT and payroll with a dedicated accountant. Plans from 49 euros/month excl. VAT.
The French neobank for freelancers and small businesses
Finance & Accounting
+2 more
Shine is the French neobank for freelancers and small businesses: business account, card, invoicing. Free plan, paid tiers from €9/month excl. VAT.
Fully online business domiciliation
Finance & Accounting
+2 more
SeDomicilier provides a registered office address and manages your mail, entirely online. Paris-based, domiciliation plans from 13 euros a month.
All-in-one management for France's micro-entrepreneurs
Automation & No-code
+2 more
Abby is a French management tool for micro-entrepreneurs: invoicing, payment collection, and Urssaf filings. Free plan, paid plans from €9/month.
Free accounting and invoicing, focused on the US and Canada
E-commerce
+2 more
Wave is a free accounting and invoicing software for freelancers, focused on the US and Canadian markets. Free plan, Pro plan at $19/month.
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