Updated October 17, 2026 · DebitCue Editorial Team
Qonto vs Wirex Card
Qonto
Wirex Card
Higher score in this comparison
Qonto vs Wirex Card: the differences
| Compare | QontoReviewVisitVisit | 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 8.7.
- 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 offers Phone.
- Support channels: only Wirex Card offers Community.
- Features: only Wirex Card offers Crypto, Self custody.
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 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 | Wirex Card |
|---|---|---|
| Cost | 8.4Cost: a monthly fee of €9 against £0 at Wise, plus 2% on foreign spend and €0 in free withdrawals. | 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 | 8.5 | 8.7Higher |
From lowest to highest
| Fact | Qonto | Wirex Card |
|---|---|---|
| Currencies | from 30 | from 150 |
Where each is licensed and available
| Country | Qonto | 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 |
Positions in our rankings
| Ranking | Qonto | Wirex Card |
|---|---|---|
| Debit cards | 10 of 1336 | 30 of 1336 |
| Business debit cards | 3 of 201 | 8 of 201 |
| Travel cards | 8 of 443 | 19 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
Wirex Card
- wirexapp.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Qonto | 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, Phone, Email, Help centre | Email, Chat, Help centre, Community |
Credit cards
| Fact | Qonto | Wirex Card |
|---|---|---|
| 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 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
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 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
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 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
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 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 | 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
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 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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