Updated September 28, 2026 · DebitCue Editorial Team
Qonto vs Revolut
Qonto
Revolut
Higher score in this comparison
What sets them apart
| Compare | QontoReviewVisitVisit | RevolutReviewVisitVisit |
|---|---|---|
| Monthly fee | €9 | £0 |
| Currency conversion fee | 2% | 0% to 2%Lower |
| Free ATM withdrawals | €0 | £200 |
| Card network | Mastercard | Visa |
| Currencies | from 30 | 160 |
Same on both: Card type (Debit).
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Key differences
- Revolut scores higher overall: 9.2 vs 8.7.
- Founded is lower at Revolut: 2015 vs 2017.
- Revolut is licensed in 2 more countries.
- Revolut is available in 21 more countries.
- Currency conversion fee is lower at Revolut: 0% to 2% vs 2%.
Our verdict on each
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.
Revolut
Revolut suits readers who want a fee free multi-currency card for daily spending and trips abroad. Costs stay low with a monthly fee of £0 and conversion fees of 0% to 2%. The credit side costs more, with an annual fee of €0 and an APR of 13.34% to 17.99%.
Score breakdown
| Area | Qonto | Revolut |
|---|---|---|
| Cost | 8.4Cost: a monthly fee of €9 against £0 at Wise, plus 2% on foreign spend and €0 in free withdrawals. | 9.4HigherMonthly fee £0, annual fee €0, conversion fee 0% to 2% and £200 in free ATM withdrawals. |
| Offer | 9.4 | 9.9HigherRewards of 1.5 points per EUR1 on a points card, multi-currency across 160 currencies. |
| Trust | 8.5 | 8.6Higher |
Where each is licensed and available
| Country | Qonto | Revolut |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| France | FR_ACPR PSD_PI FR_ACPR!68677 | Not confirmed |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| United Kingdom | Not confirmed |
Available in 8 countries for both. Additional countries for Revolut: 21.
How they place
| Ranking | Qonto | Revolut |
|---|---|---|
| Debit cards | 10 of 1336 | 23 of 1336 |
| Credit cards | 8 of 1020 | 19 of 1020 |
| Travel cards | 8 of 443 | 15 of 443 |
Sources behind this comparison
Qonto
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Revolut
- moneytothemasses.com: 4 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- pocketwise.co.uk: 2 facts, checked September 26, 2026
- revolut.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Qonto | Revolut |
|---|---|---|
| Features | Multi currency, Virtual card, Travel | Multi currency, Virtual card, Travel |
| Audience | Business | Not confirmed |
| Legal entity | QONTO | Revolut Digital Assets (Europe) Ltd |
| Headquarters | France | Cyprus |
| Founded | 2017 | 2015Lower |
| Support channels | Chat, Phone, Email, Help centre | Chat, Email, Phone, Help centre |
Credit cards
| Fact | Qonto | Revolut |
|---|---|---|
| Annual fee | €0 | €0 |
| APR | 17.5% | 13.34% to 17.99%Lower |
| Rewards type | None | Points |
| Pricing model | No annual fee | No annual fee |
| Rewards rate | Not confirmed | 1.5 points per EUR1 |
| Perks | 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 | Not confirmed |
| Card kind | Credit | Credit |
Where each stands against the rest
| Fact | Qonto | Revolut | Median |
|---|---|---|---|
| Currency conversion fee | 2%above the median | 0% to 2%below the median | 1% |
| Currencies | from 30highest quarter | 160highest quarter | 8 |
Median across 387 listed cards.
Pros and cons
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.
Revolut
Pros
- No monthly cost, with a monthly fee of £0 and an annual fee of €0 on the credit card
- Currency conversion fees of 0% to 2% compare well with Wise at 0.1%
- Multi-currency balances across 160 currencies, and multi-currency is a 34.9% share of the brands compared
Cons
- The credit card charges an APR of 13.34% to 17.99%, below the field median of 20.97% but still a cost on borrowed money
- Rewards pay 1.5 points per EUR1 in points, while cashback is the most common rewards type at 49.5%
- Currency conversion fees of 0% to 2% sit above the median of 1% for the field, so frequent conversions add up
Who each suits
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.
Revolut
Who it suits
- Travellers holding money in several currencies, given 160 supported currencies
- Anyone who wants a fee free card, with a monthly fee of £0 and free withdrawals to £200
- Points earners who will use the 1.5 points per EUR1 rate on the credit card
Who should look elsewhere
- Anyone who wants cashback rewards, since points are the only reward type on offer and cashback leads the field at 49.5%
- Frequent travellers who want the thinnest conversion margin, since Wise charges 0.1%
- Borrowers who want a longer interest free window, as the credit card APR starts at 13.34% to 17.99%
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 | Qonto | Revolut |
|---|---|---|
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
| Greece | No | Yes |
8 of 29 countries where either is available.
Questions about each
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.
Revolut
What does Revolut cost to hold each month?+
Revolut charges a monthly fee of £0, so the standard account costs nothing to keep open. That sits at position 1 of 419 brands in the comparison, and the field median monthly fee is €0.
What are the fees on the Revolut credit card?+
The credit card carries an annual fee of €0 and an APR of 13.34% to 17.99%. Revolut sits in the no-annual-fee model at no annual fee, and the site median APR across the credit field is 20.97%, so borrowing costs sit below the typical range.