Updated September 28, 2026 · DebitCue Editorial Team
Qonto_AT vs Wirex
Qonto_AT
Wirex
Higher score in this comparison
What sets them apart
| Compare | Qonto_ATReviewVisitVisit | WirexReviewVisitVisit |
|---|---|---|
| Monthly fee | €9 | $0 |
| Currency conversion fee | 2% | 0%Lower |
| Free ATM withdrawals | €0 | $400 |
| Card network | Mastercard | Visa |
| Currencies | from 30 | 150 |
| Cashback rate | Not confirmed | 8% |
| Custody | Not confirmed | Custodial |
Same on both: Card type (Debit).
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Key differences
- Wirex scores higher overall: 9.6 vs 8.8.
- Qonto_AT is available in 7 more countries.
- Currency conversion fee is lower at Wirex: 0% vs 2%.
- Features: only Wirex offers Crypto, Custodial.
Our verdict on each
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.
Wirex
Wirex suits people who want crypto spending, travel money and cashback on one custodial Visa debit card. Costs are the draw: a monthly fee of $0 and a currency conversion fee of 0% place it at the front of the 259 brands compared on conversion costs.
Score breakdown
| Area | Qonto_AT | Wirex |
|---|---|---|
| Cost | 9.1 | 9.4HigherMonthly fee of $0 and a currency conversion fee of 0% keep running costs at the floor. |
| Offer | 9.4 | 9.9HigherCashback of 8% and 150 currencies with crypto and virtual card options drive the offer. |
| Trust | 8.2 | Not confirmed |
Where they rank in our lists
| Ranking | Qonto_AT | Wirex |
|---|---|---|
| Debit cards | 9 of 1336 | 17 of 1336 |
| Travel cards | 7 of 443 | 12 of 443 |
Licences and countries
| Country | Qonto_AT | Wirex |
|---|---|---|
| France | FR_ACPR PSD_PI FR_ACPR!68677 | Not confirmed |
| United Kingdom | Not confirmed | FCA 902025 |
Additional countries for Qonto_AT: 8. Additional countries for Wirex: 1.
Where these facts come from
Qonto_AT
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Wirex
- coincodecap.com: 4 facts, checked September 26, 2026
- currencyexpert.com: 4 facts, checked September 26, 2026
- budgetfitter.uk: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Qonto_AT | Wirex |
|---|---|---|
| Features | Multi currency, Virtual card, Travel | Crypto, Custodial, Multi currency, Travel, Virtual cardCovers more |
| Audience | Business | Not confirmed |
| Legal entity | QONTO | Wirex Limited |
| Headquarters | France | Not confirmed |
| Founded | 2017 | Not confirmed |
| Support channels | Chat, Email, Phone, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Qonto_AT | Wirex | Median |
|---|---|---|---|
| Currency conversion fee | 2%above the median | 0%below the median | 1% |
| Cashback rate | Not confirmed | 8%highest quarter | 2% |
| Currencies | from 30highest quarter | 150highest quarter | 8 |
Median across 387 listed cards.
Pros and cons
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.
Wirex
Pros
- Monthly fee of $0 on a standard Visa debit account
- Currency conversion fee of 0%, ranked 1 of 259 brands
- Cashback of 8% returned on everyday card spending
Cons
- The account is custodial, so balances sit with Wirex Limited rather than with you
- Free ATM withdrawals of $400 rank 8 of 115
Who each suits
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.
Wirex
Who it suits
- Crypto holders who want to spend through a normal Visa debit card
- Travellers who convert several currencies at a low conversion fee
- Multi currency earners who want cashback and a virtual card
Who should look elsewhere
- People who want to hold their own keys, since the Wirex account is custodial
- Anyone wanting a plain current account: Starling Personal Account Debit Card charges £0
- Anyone who only needs a bank debit card: Wise charges a monthly fee of £0
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
Wirex
Current offer
Bonus
Up to 8% Cashback on Card Spend - Wirex: Up to 8% cashback
Earnings subject to eligibility
Source, checked September 26, 2026
Country by country
| Country | Qonto_AT | Wirex |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Portugal | Yes | No |
| Spain | Yes | No |
8 of 9 countries where either is available.
Questions about each
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.
Wirex
What does Wirex cost to hold each month?+
The monthly fee is $0 on the standard debit account, and Wirex ranks 1 of 419 brands compared on that measure. Costs are simple to state: the currency conversion fee is 0%, so there is little to add for everyday use.
What does Wirex charge to convert currency?+
The currency conversion fee is 0%, which places Wirex at 1 of 259 brands compared. Travellers moving between several of the 150 currencies held on the account can convert at that rate.
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