Updated September 28, 2026 · DebitCue Editorial Team
ether.fi vs Qonto
Qonto
ether.fi
Higher score in this comparison
What sets them apart
| Compare | ether.fiReviewSee alternativesSee alternatives | QontoReviewVisitVisit |
|---|---|---|
| Annual fee | $0 | €0 |
| Currency conversion fee | 0% to 0.5%Lower | 2% |
| Rewards type | Cashback | None |
| Perks | Global eSIM, Visa concierge, Airport lounge access, Flight and medical coverage, Baggage delay and loss protection, Auto rental coverage, Purchase and price protection, Identity theft protection, Insurance backed account balance protection up to $500,000, 1 free virtual card, Ether.fi Travel 5% cashback | 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 |
| APR | Not confirmed | 17.5% |
| Rewards rate | 3% cashback, up to $2K monthly spend (Core), paid in ETHFI | Not confirmed |
| Cashback rate | 3% | Not confirmed |
Same on both: Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- ether.fi scores higher overall: 9.6 vs 8.7.
- Qonto is available in 7 more countries.
- Currency conversion fee is lower at ether.fi: 0% to 0.5% vs 2%.
- Perks: only ether.fi offers Global eSIM, Visa concierge, Airport lounge access.
- Perks: only Qonto offers 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).
- Support channels: only ether.fi offers Community.
- Support channels: only Qonto offers Phone.
- Features: only ether.fi offers Rewards.
- Features: only Qonto offers Multi currency, Virtual card, Travel.
Our verdict on each
ether.fi
ether.fi suits companies and freelancers who want a business card with no annual charge and cashback on everyday spend, plus travel extras for staff who fly. It scores 8.2 overall, and its currency costs are modest for a card aimed at spend that crosses borders.
Qonto
Qonto suits a registered business that wants card insurance, deferred debit and multi-currency handling inside a single account rather than bought separately. The trade-off is price, with a monthly fee of €9 on the account and a conversion fee of 2% on the card, which is where Wise at £0 a month pulls ahead.
Score breakdown
| Area | ether.fi | Qonto |
|---|---|---|
| Cost | 9.4Higher | 8.4Cost: a monthly fee of €9 against £0 at Wise, plus 2% on foreign spend and €0 in free withdrawals. |
| Offer | 9.8HigherAnnual fee $0 with a 3% cashback, up to $2K monthly spend (Core), paid in ETHFI reward, the rate capped by monthly spend. | 9.4 |
| Trust | Not confirmed | 8.5 |
Positions in our rankings
| Ranking | ether.fi | Qonto |
|---|---|---|
| Credit cards | 66 of 1020 | 8 of 1020 |
| Business credit cards | 8 of 92 | 3 of 92 |
Spending 1,000 abroad
ether.fi
0 to 5
0% to 0.5% of 1,000
Qonto
20
2% of 1,000
ether.fi comes out 20 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Sources behind this comparison
ether.fi
- ether.fi: 7 facts, checked September 26, 2026
- help.ether.fi: 4 facts, checked September 26, 2026
Qonto
- qonto.com: 11 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | ether.fi | Qonto |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Multi currency, Virtual card, Travel |
| Audience | Business | Business |
| Legal entity | Not confirmed | QONTO |
| Headquarters | Not confirmed | France |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Chat, Help centre, Community | Chat, Phone, Email, Help centre |
Where each stands against the rest
| Fact | ether.fi | Qonto | Median |
|---|---|---|---|
| APR | Not confirmed | 17.5%below the median | 19.39% |
| Currency conversion fee | 0% to 0.5%below the median | 2%above the median | 1 |
| Cashback rate | 3%highest quarter | Not confirmed | 1.5% |
Median across 312 listed cards.
Pros and cons
ether.fi
Pros
- Currency conversion fees run 0% to 0.5%, against a 1% median across the site and a 1.85% median in the credit card ranking.
- Support runs on email, chat and help centre, so a service problem has chat, email, a help centre and community behind it.
- The card is aimed at business users, so it fits a company expense run rather than a personal wallet.
Cons
- Support runs on email, chat and help centre, which lists no phone line, so a blocked payment or disputed charge waits on a chat reply or an email answer.
- Currency conversion fees run 0% to 0.5%, and the top of that range sits above the 0% Varo charges and the 0% Chime charges, so a card used mainly on foreign purchases costs more to run here.
- 3% cashback, up to $2K monthly spend (Core), paid in ETHFI caps the cashback at a monthly spending ceiling on the Core tier and pays it in ETHFI, so the reward neither grows with heavy spend nor holds a fixed cash value.
Qonto
Pros
- Card insurance for travel, business purchases and fraud comes with the card.
- Multi-currency, virtual cards and travel use all sit inside the offer, so foreign buying needs no separate product (multi currency, virtual card and travel).
Cons
- The account charges a monthly fee of €9, while Wise charges £0 for the same job of holding money.
- Card conversion costs 2%, and the ranking on that measure is 160 of 259.
- Free ATM withdrawals come to €0, so cash at home or abroad is a charge rather than an included allowance.
Who each suits
ether.fi
Who it suits
- Businesses and freelancers who put card spend through a company account, since the card is aimed at business users.
- Anyone who buys in several currencies, since conversion fees run 0% to 0.5% against a 10.5% ceiling elsewhere on the site.
- Cardholders who want cover on the balance rather than points, given the protection listed in Global eSIM, Visa concierge and Airport lounge access.
Who should look elsewhere
- Not people who need free currency conversion: Varo charges 0%, so foreign-heavy spend costs less there.
- Not people rebuilding a credit record from scratch: Chime Card (Secured Visa Credit Card) is a secured card, while ether.fi is aimed at business users and pays cashback.
- Not shoppers choosing on the annual fee: Wise also has no annual fee at £0, so the case here rests on the reward and the protection bundle.
Qonto
Who it suits
- A company paying suppliers in several currencies and issuing staff cards without an annual charge of €0.
- Readers who want chat, phone, email and help centre support with round the clock cover in France (chat, phone and email).
Who should look elsewhere
- Wise, for a reader who wants no monthly account charge, since Qonto costs €9 against £0.
- Varo Believe Secured Credit Card, for someone after a secured credit card at a monthly fee of $0 rather than a company current account.
- Chime Card (Secured Visa Credit Card), for a reader who wants a secured credit card billed at $0 a month.
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 | ether.fi | Qonto |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Portugal | No | Yes |
| Spain | No | Yes |
8 of 9 countries where either is available.
Questions about each
ether.fi
What does the card cost to keep open?+
There is no annual charge: the fee is $0, and ether.fi runs a no annual fee model rather than a paid subscription tier. For a card that sits in a company wallet, that removes the yearly renewal decision entirely, and the running cost becomes the reward rate rather than a fee to budget for.
What does it cost to spend in another currency?+
Currency conversion fees run 0% to 0.5%, so most conversions are cheap while the top of that range is not free. If your business pays foreign suppliers regularly, compare it with Varo at 0% and Chime at 0%, which both hold currency at no charge.
Qonto
What does a Qonto business account cost each month?+
The account is billed a monthly fee of €9 for being open, and the card itself adds an annual fee of €0, so nothing is due on the card beyond that. The monthly line is the one most comparisons turn on, and it is the figure to weigh against an account that charges nothing but offers less.
What does it cost to spend in another currency?+
A purchase in a currency other than the account's own carries a conversion fee of 2%, added to the local amount and charged on each transaction. Spending in the home currency avoids it, so the fee is easy to trigger by accident on a foreign trip and easy to avoid otherwise. Paying in the local currency is the habit that controls it.
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Qonto
ether.fi