🏦 Which business account to choose in 2026: Qonto or Revolut Business?

But neither of them offers you instant cash flow financing for an urgent need. This is precisely Heropay's mission.

• Qonto is designed to structure teams in France; Revolut Business for international operations.

• Their common weakness: neither offers instant cash flow financing for unexpected needs.

• Qonto is suitable if you need to deposit share capital and want advanced management tools.

• Revolut Business is better if you manage payments in foreign currencies abroad.

• Heropay is the only solution that integrates fast financing and an interest-bearing cash account.

• The verdict: Qonto for management, Revolut for international, Heropay to finance growth.

Quick overview of Qonto and Revolut Business

Qonto in brief

Launched in France in 2017, Qonto has established itself as a leading solution for VSEs and SMEs looking to structure their financial management.

Its positioning is to offer a powerful all-in-one tool that simplifies accounting, team expense management, and daily operations. It is not a bank, but a payment institution.

Revolut Business in brief

Born in the UK in 2015, Revolut Business is a fintech company with a European banking license. Its DNA is resolutely international.

It targets businesses of all sizes operating abroad, offering them multi-currency accounts and very competitive exchange rates to reduce fees on international transactions.

Fees and pricing of Qonto and Revolut Business

Qonto's plans: Granular pricing

Qonto segments its plans by company type (freelancers, VSEs, SMEs), with prices that vary according to the number of cards, transfers, and management features.

• For freelancers: You will find 3 plans ranging from €9 to €39 per month (with annual billing), with quotas of 30 to 100 transfers.

• For VSEs (1-9 employees): The 3 plans range from €49 to €199 per month (with annual billing), and include 2 to 30 cards and 150 to 1000 transfers.

• For SMEs (10+ employees): You have the choice between 2 plans at €99 and €199 per month (with annual billing) and a custom plan, focused on advanced team management.

Revolut Business's plans: Usage-based tiers

Revolut structures its plans around transaction needs, especially international ones.

• Basic: For €10 per month, this plan includes 10 free domestic transfers and currency exchange at the interbank rate, capped at €1,000.

• Grow: From €50 per month, it increases the quotas to 100 domestic transfers, 5 international transfers, and €15,000 in currency exchange at the interbank rate.

• Scale: From €90 per month, it includes 1000 domestic transfers, 25 international transfers, and €60,000 in exchange.

• Enterprise: The plan is available on a custom-quote basis for larger needs.

In analysis, Qonto's pricing structure is designed to support the growth of a company in France, while Revolut's aims to optimize costs for businesses already focused on international markets.

Included features and services

Share capital deposit: Advantage Qonto

This is a major point of differentiation. Qonto offers an online share capital deposit service for about €100, with a certificate provided within 72 hours. Revolut Business does not offer this service, forcing company founders to use another solution.

Cards and transfers: Two philosophies

Financing: Different approaches

Qonto offers financing through integrated partners, allowing businesses to obtain flexible loans. Revolut Business, on the other hand, does not offer direct loan solutions but provides investment and cash management tools in its higher plans.

Neither offers instant and integrated cash flow financing like Heropay does.

Accounting and invoicing: Advantage Qonto

Qonto was designed to simplify the lives of French entrepreneurs.

It offers dedicated access for your accountant, deep integrations with market-leading software, and comprehensive invoicing tools. Revolut Business allows for integrations but is less feature-rich in this area, as its interface is less focused on French accounting standards.

Pros and cons: the summary table

Which profile is Qonto suited for?

Qonto can be a good fit for VSEs and SMEs based in France that need to structure their management. If you have a team, manage expense reports, and want to simplify the transfer of information to your accountant, Qonto's ecosystem is one of the most complete on the market.

Which profile is Revolut Business suited for?

Revolut Business is a relevant choice for companies with significant international activity. If you invoice clients in dollars, pay suppliers in pounds sterling, or if your employees travel often, the multi-currency features and exchange rates of Revolut will save you significant fees.

Which profile is Qonto NOT suited for?

If you are a freelancer with simple needs, Qonto's plans might seem oversized and expensive. Similarly, if your main business is international e-commerce, Qonto's currency exchange fees will be less competitive than those of Revolut.

Which profile is Revolut Business NOT suited for?

If you are in the process of creating your company in France, the lack of a share capital deposit feature at Revolut is a major obstacle. Furthermore, if you are looking for close customer support and deep accounting integrations with French tools, Qonto will be more suitable.

Use case: a growing consulting agency

Clara runs a small marketing consulting agency. She just signed a large contract but needs to hire a freelance developer immediately to start the project. Her revenue is €80,000.

• The challenge: Clara's client pays on 30-day terms, but the developer requires a €3,000 down payment to start this week. She is facing a cash flow gap that is blocking the project.

• Her needs: An ultra-fast solution to finance the freelancer's down payment, a card to manage project expenses, and a simple account.

• The solution: Neither Qonto nor Revolut is ideal here. The partner financing from Qonto would take too long. Revolut does not offer a solution for this type of need. With Heropay, Clara can get instant financing to pay the developer's invoice in 24 hours. The project starts without delay, and she repays Heropay once her client has paid her. This is the flexibility she needs to seize this opportunity.

What you should know before opening an account

With Qonto

• It's not a bank: It's a payment institution. Your funds are secure, but there is no authorized overdraft.

• Strict compliance: Their control algorithms are sensitive and can lead to temporary account freezes for verification purposes.

• Card limits: These are systematic authorization cards, which may be declined for certain deposits (e.g., car rentals).

With Revolut Business

• No share capital deposit: You cannot create your company using Revolut Business to deposit the funds.

• Recent French IBAN: The French IBAN has been available since 2023, a point to check for compatibility with all organizations.

• Online customer support: Support is mainly provided via chat, which may be less direct than a phone call.

Qonto vs Revolut Business: the verdict

Your choice depends on your main field of activity.

• Opt for Qonto if your priority is to structure your business in France. Its team management tools, accounting integrations, and share capital deposit service make it an ally for administrative management.

• Opt for Revolut Business if your business is internationally oriented. Its multi-currency accounts and exchange rates are major assets for optimizing your costs abroad.

Their common weakness is the lack of a fast and integrated cash flow financing solution to deal with the unforeseen events of entrepreneurship.

Top 10 alternatives to Qonto and Revolut Business

If neither of these two solutions convinces you, here are other players to consider:

• Heropay: For its instant financing and interest-bearing cash.

• Shine: For its business creation assistance tools and simple interface.

• Blank: For its comprehensive professional insurance and low prices.

• N26 Business: For nomadic freelancers (note, German IBAN).

• Indy: For its all-in-one solution that integrates a business account and accounting.

• Finom: For its invoicing tools and multi-user plans.

• Boursorama Pro: For the complete offer of a major online bank.

• Propulse by CA: For the combination of a fintech with the solidity of Crédit Agricole.

• LCL Essentiel Pro: For those who prefer the support of a traditional bank.

• Vivid Business: For its cashback and investment features.

The alternative to Qonto and Revolut Business: why choose Heropay?

While Qonto helps you manage your expenses and Revolut manages your currencies, Heropay is designed to finance your growth. It's a third way focused on profitability:

• A free business account that includes services that are paid elsewhere.

• Instant integrated financing, so you never miss an opportunity.

• Interest-bearing cash, so your money works for you.

Heropay combines the simplicity of a modern account with financial tools that truly support your ambition.

Open your business account in 5 minutes and finance your growth.

FAQ on Qonto and Revolut Business

Which is best for a team?

Qonto is generally considered more suitable for team management in France, thanks to its customizable roles, expense report management, and dedicated accountant access.

Can I deposit my share capital with Revolut Business?

No, Revolut Business does not offer a share capital deposit service. You will need to use another service (like Qonto's or a notary) for this step of company creation.

Is Qonto suitable for payments in foreign currencies?

Qonto allows for international transfers (SWIFT) but applies exchange fees. For frequent transactions in foreign currencies, Revolut Business will almost always be more economical thanks to its interbank rates.