Updated October 17, 2026 · DebitCue Editorial Team
Qonto_AT vs Wirex Card
Qonto_AT
Wirex Card
Higher score in this comparison
What sets them apart
| Compare | Qonto_ATReviewVisitVisit | Wirex CardReviewVisitVisit |
|---|---|---|
| Monthly fee | €9 | $0 |
| Currency conversion fee | 2% | 0%Lower |
| Free ATM withdrawals | €0 | $0 |
| Card network | Mastercard | Visa |
| Currencies | from 30 | from 150 |
| Cashback rate | Not confirmed | 0.5% to 8% |
| Custody | Not confirmed | Self custody |
Same on both: Card type (Debit).
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Key differences
- Wirex Card scores higher overall: 9.1 vs 8.8.
- Founded is lower at Wirex Card: 2014 vs 2017.
- Wirex Card is licensed in 2 more countries.
- Currency conversion fee is lower at Wirex Card: 0% vs 2%.
- Support channels: only Qonto_AT offers Phone.
- Support channels: only Wirex Card offers Community.
- Features: only Wirex Card offers Crypto, Self custody.
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 Card
Wirex Card suits business users and frequent travellers abroad who want crypto spending on a multi-currency card, with a currency conversion fee of 0% and a monthly fee of $0. Self-custody, from 150 currencies and cashback of 0.5% to 8% add pull, though free ATM withdrawals are $0.
Score breakdown
| Area | Qonto_AT | Wirex Card |
|---|---|---|
| Cost | 9.1 | 9.4HigherHolds rank 1 on monthly fee and 1 on currency conversion, with fees of $0 a month and 0%. |
| Offer | 9.4Higher | 9.2 |
| Trust | 8.2 | 8.7Higher |
How they place
| Ranking | Qonto_AT | Wirex Card |
|---|---|---|
| Debit cards | 9 of 1336 | 30 of 1336 |
| Business debit cards | 2 of 201 | 8 of 201 |
| Travel cards | 7 of 443 | 19 of 443 |
Ranges side by side
| Fact | Qonto_AT | Wirex Card |
|---|---|---|
| Currencies | from 30 | from 150 |
Availability and regulation
| Country | Qonto_AT | Wirex Card |
|---|---|---|
| El Salvador | Not confirmed | |
| France | FR_ACPR PSD_PI FR_ACPR!68677 | Not confirmed |
| Malta | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority FRN 902025 |
Sources behind this comparison
Qonto_AT
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Wirex Card
- wirexapp.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Qonto_AT | Wirex Card |
|---|---|---|
| Features | Multi currency, Virtual card, Travel | Multi currency, Crypto, Virtual card, Self custody, TravelCovers more |
| Audience | Business | Business |
| Legal entity | QONTO | Wirex Limited |
| Headquarters | France | United Kingdom |
| Founded | 2017 | 2014Lower |
| Support channels | Chat, Email, Phone, Help centre | Email, Chat, Help centre, Community |
Where each stands against the rest
| Fact | Qonto_AT | Wirex Card | Median |
|---|---|---|---|
| Currency conversion fee | 2%above the median | 0%below the median | 1% |
| Cashback rate | Not confirmed | 0.5% to 8%highest quarter | 2 |
| Currencies | from 30highest quarter | from 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 Card
Pros
- Currency conversion costs 0% on a debit card, so spending in another currency adds no extra cost.
- The monthly fee is $0 and the account supports from 150 currencies on the visa network.
- Self-custody and a virtual card are both listed features, alongside crypto spending and travel use.
Cons
- Free ATM withdrawals are $0, so cash machine visits cost extra; the card ranks 41 of 115 on that measure.
- Support runs on email, chat and help centre only, so there is no phone line for urgent problems.
- Cashback of 0.5% to 8% moves with the tier reached, so the headline rate is not guaranteed.
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 Card
Who it suits
- Businesses and freelancers paying in several currencies each month.
- Readers who want to spend crypto while keeping custody of their own funds.
- Travellers who want a virtual card for online bookings and a physical debit card for daily spending.
Who should look elsewhere
- Wise, whose monthly fee is £0, for anyone who wants a multi-currency account that keeps no crypto balance.
- Starling Personal Account Debit Card, with £0 a month, for straightforward current account banking rather than crypto spending.
- Bitpanda, whose monthly fee is €0, for readers who want a crypto card and not the business focus listed for Wirex.
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 Card
Current offer
Discount code
50% subscription rebates on Wirex One card: 50% back in USD on eligible subscriptions (Uber One, ChatGPT Plus, Claude Pro, Perplexity Pro, Whoop, Bloomberg, Financial Times)
Pay for eligible subscriptions using the Wirex One card; rebate capped at the standard plan price for each service; tiers unlock more subscriptions
Source, checked September 26, 2026
Bonus
Up to 8% cashback on every purchase: 0.5% to 8% back in USD depending on membership tier
Every eligible purchase earns between 0.5% and 8% back in USD depending on tier; credited to Rewards Balance on transaction clearance
Source, checked September 26, 2026
Bonus
Wirex Exclusive Rewards Portal: Up to 16% cashback shopping online with 100+ partner retailers
Via the cashback portal at cashback.wirexapp.com
Source, checked September 26, 2026
Country by country
| Country | Qonto_AT | Wirex Card |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Portugal | Yes | No |
| Spain | Yes | No |
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 Card
What does it cost to hold a Wirex Card?+
The monthly fee is $0 and the currency conversion fee is 0%, so holding the card and converting money both cost nothing. Cash machine withdrawals are the exception and are billed separately, so allow for a charge each time if you rely on cash in hand.
Will I pay a foreign transaction fee abroad?+
The currency conversion fee is 0%, so there is no charge for converting on the card. The account supports from 150 currencies, which lets you hold and spend in the currency of the place you are in instead of paying a conversion cost on every purchase.
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