Updated September 29, 2026 · DebitCue Editorial Team
eToro vs Qonto
eToro
Higher score in this comparison
Qonto
Where eToro and Qonto differ
| Compare | eToroReviewVisitVisit | QontoReviewVisitVisit |
|---|---|---|
| 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 8.7.
- 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 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
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 | eToro | Qonto |
|---|---|---|
| Cost | 9.4HigherMonthly charge of €0 with conversion at 0% keeps routine costs contained. | 8.4Cost: a monthly fee of €9 against £0 at Wise, plus 2% on foreign spend and €0 in free withdrawals. |
| 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). | 8.5 |
Licences and countries
| Country | eToro | Qonto |
|---|---|---|
| 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 |
Sources behind this comparison
eToro
- etoro.com: 8 facts, checked September 28, 2026
Qonto
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
How they place
| Ranking | eToro | Qonto |
|---|---|---|
| Debit cards | 1 of 1336 | 10 of 1336 |
Every fact side by side
| Fact | eToro | Qonto |
|---|---|---|
| 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, Phone, Email, Help centre |
Credit cards
| Fact | eToro | Qonto |
|---|---|---|
| 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 | 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
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
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
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 | eToro | 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 |
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
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.