Updated September 29, 2026 · DebitCue Editorial Team
eToro vs Qonto_AT
eToro
Higher score in this comparison
Qonto_AT
eToro vs Qonto_AT: the differences
| Compare | eToroReviewVisitVisit | Qonto_ATReviewVisitVisit |
|---|---|---|
| Monthly fee | €0Lower | €9 |
| Currency conversion fee | 0%Lower | 2% |
| Free ATM withdrawals | €2,500 to €12,000Higher | €0 |
| Card network | Visa | Mastercard |
| Currencies | 4 | from 30 |
| Cashback rate | 4% | Not confirmed |
Same on both: Card type (Debit).
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Key differences
- eToro scores higher overall: 9.2 vs 8.8.
- eToro is licensed in 1 more country.
- Monthly fee is lower at eToro: €0 vs €9.
- Currency conversion fee is lower at eToro: 0% vs 2%.
- Free ATM withdrawals is higher at eToro: €2,500 to €12,000 vs €0.
- Features: only eToro offers Crypto.
- Features: only Qonto_AT offers Virtual card.
Our verdict on each
eToro
eToro suits travellers and investors who want spend plus stock rewards linked to a Visa debit account with help centre, chat and phone support. Monthly charge sits at €0 with currency conversion at 0% and free cash access of €2,500 to €12,000 for flexible use abroad and at home.
Qonto_AT
Qonto suits sole traders and small companies that want a euro account with a Mastercard card and an annual fee of €0. The account itself costs €9 a month and overdraft borrowing runs at 17.5%, so the card only pays off if you use it.
Score breakdown
| Area | eToro | Qonto_AT |
|---|---|---|
| Cost | 9.4HigherMonthly charge of €0 with conversion at 0% keeps routine costs contained. | 9.1 |
| Offer | 9.5HigherRewards of Up to 4% back in stocks widen appeal for stock linked returns. | 9.4 |
| Trust | 8.9HigherOversight includes Financial Conduct Authority plus CySEC under Financial Conduct Authority (FCA), Cyprus Securities and Exchange Commission (CySEC) and Australian Securities and Investments Commission (ASIC). | 8.2 |
The bill, worked out
A year with 1,000 spent abroad
eToro
€0
12 × €0 + 0% of 1,000
Qonto_AT
€128
12 × €9 + 2% of 1,000
eToro costs €128 less.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 28, 2026.
Availability and regulation
| Country | eToro | Qonto_AT |
|---|---|---|
| Cyprus | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 213800GIFQMSV7HROS23 | Not confirmed |
| France | Not confirmed | FR_ACPR PSD_PI FR_ACPR!68677 |
| United States | SIPC SIPC member 70212 | Not confirmed |
How they place
| Ranking | eToro | Qonto_AT |
|---|---|---|
| Debit cards | 1 of 1336 | 9 of 1336 |
Sources behind this comparison
eToro
- etoro.com: 8 facts, checked September 28, 2026
Qonto_AT
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | eToro | Qonto_AT |
|---|---|---|
| Features | Multi currency, Crypto, Travel | Multi currency, Virtual card, Travel |
| Audience | Not confirmed | Business |
| Legal entity | Not confirmed | QONTO |
| Headquarters | Not confirmed | France |
| Founded | Not confirmed | 2017 |
| Support channels | Not confirmed | Chat, Email, Phone, Help centre |
Credit cards
| Fact | eToro | Qonto_AT |
|---|---|---|
| Annual fee | $0 | €0 |
| APR | Not confirmed | 17.5% |
| Rewards type | Cashback | None |
| Pricing model | No annual fee | No annual fee |
| Rewards rate | Up to 4% back in stocks | Not confirmed |
| Perks | Visa Luxury Hotel Collection, AirRefund flight protection, Sixt Car Rentals discount | 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 |
| Card kind | Not confirmed | Credit |
| Regulators | Financial Conduct Authority (FCA), Cyprus Securities and Exchange Commission (CySEC), Australian Securities and Investments Commission (ASIC), Financial Services Authority Seychelles (FSAS) | Not confirmed |
Where each stands against the rest
| Fact | eToro | Qonto_AT | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €9highest quarter | €0 |
| Currency conversion fee | 0%below the median | 2%above the median | 1% |
| Free ATM withdrawals | €2,500 to €12,000highest quarter | €0below the median | €4 |
| Cashback rate | 4%above the median | Not confirmed | 2% |
| Currencies | 4below the median | from 30highest quarter | 8 |
Median across 387 listed cards.
Pros and cons
eToro
Pros
- Monthly charge of €0 keeps fixed upkeep at free level for routine use.
- Currency conversion at 0% supports foreign spend without added conversion margin.
- Free ATM allowance of €2,500 to €12,000 exceeds typical low caps seen elsewhere.
Cons
- Currency choice covers balances of 4, so broad multi currency use may feel narrow.
- Annual charge sits at $0 yet reward value depends on stock rewards of Up to 4% back in stocks.
- Support runs on help centre, chat and phone only, which limits contact to those listed routes.
Qonto_AT
Pros
- Annual card fee of €0, and card insurance covers travel, business purchases and fraud.
- Multi-currency, virtual card and travel features come with the Mastercard.
- Deferred debit is available at no extra cost on Plus and X Cards.
Cons
- The account charge of €9 a month sits above the site median €0.
- Conversion at 2% is above the site median 1%.
- Spend earns nothing back, with a rewards type of none.
Who each suits
eToro
Who it suits
- Travellers who value free conversion and Visa acceptance, compared with Bit2Me on FX terms.
- Investors who prefer stock linked rewards, compared with XTB on upkeep and reward style.
Who should look elsewhere
- Cash heavy users who need larger free allowances than eToro, consider Kraken through partner for its stated ATM terms.
- Users wanting wider currency balances than 4, consider XTB after comparing account and conversion terms.
Qonto_AT
Who it suits
- A sole trader or small company paying staff and suppliers from the same euro account.
- Businesses spending across from 30 currencies that keep a balance in each.
- Teams wanting a virtual card for subscriptions next to a physical Mastercard.
Who should look elsewhere
- Anyone after cashback on spend, since the rewards type here is none, so Chime Card (Secured Visa Credit Card) is worth a look.
- Anyone without a company behind the account, as Qonto is built for business customers and Wise serves personal money.
- Anyone building a credit record first, for whom Varo Believe Secured Credit Card is the secured option.
Current offers
Qonto_AT
Current offer
Free trial
1-month free trial on Qonto business account plans: 1 month free
Offered on the Basic, Smart and Premium business account plans; displayed prices are monthly equivalents billed annually
Source, checked September 26, 2026
Country by country
| Country | eToro | Qonto_AT |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Portugal | No | Yes |
| Spain | No | Yes |
Questions about each
eToro
Does eToro charge a monthly fee for the card?+
Monthly upkeep for the card sits at €0. That level keeps fixed costs predictable while you manage spend, withdrawals and travel use. Terms can vary by account activity, so review current pricing before you rely on repeat use.
What currency conversion fee applies to card payments?+
Currency conversion for card spend sits at 0%. That free level helps if you pay in other currencies while travelling or shopping online. Card network exchange and ATM operator terms may still apply, so check statements for any added margin.
Qonto_AT
What does a Qonto business account cost each month?+
The account itself is billed at €9 a month, while the card carries an annual fee of €0. Overdraft borrowing is charged at 17.5%, and currency conversion on the card costs 2%. Card spend itself adds nothing, so the running cost depends on borrowing and on how often you pay in another currency.
Who supervises Qonto in France?+
Qonto is supervised in France by ACPR (Autorite de Controle Prudentiel et de Resolution), recorded as 16958. The French register lists the same authority as PSD_PI FR_ACPR!68677, and France is the headquarters country. Both entries point to the same French body, so the account sits under a single named supervisor.