Updated September 28, 2026 · DebitCue Editorial Team
Qonto vs Wirex
Qonto
Wirex
Higher score in this comparison
Where Qonto and Wirex differ
| Compare | QontoReviewVisitVisit | 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 8.7.
- Qonto 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
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.
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 | Wirex |
|---|---|---|
| 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 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 | 8.5 | Not confirmed |
Licences and countries
| Country | Qonto | Wirex |
|---|---|---|
| France | FR_ACPR PSD_PI FR_ACPR!68677 | Not confirmed |
| United Kingdom | Not confirmed | FCA 902025 |
Additional countries for Qonto: 8. Additional countries for Wirex: 1.
Where they rank in our lists
| Ranking | Qonto | Wirex |
|---|---|---|
| Debit cards | 10 of 1336 | 17 of 1336 |
| Travel cards | 8 of 443 | 12 of 443 |
Where these facts come from
Qonto
- 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 | 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, Phone, Email, Help centre | Not confirmed |
Credit cards
| Fact | Qonto | Wirex |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| APR | 17.5% | Not confirmed |
| Rewards type | None | Not confirmed |
| Pricing model | No annual fee | Not confirmed |
| 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 | Not confirmed |
Where each stands against the rest
| Fact | Qonto | 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
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.
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
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.
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
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
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 | 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
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.
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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