Finom vs. Qonto: Both business accounts in direct comparison (2025)

If you are looking for the perfect business account for your company, you will quickly come across two providers who are pretty good in Germany: Finoma and Qonto.

Both promise modern solutions for the self -employed, freelancers and small companies – but who really delivers? While Finoma Qonto relies on extensive premium options and international payment methods with cheap tariffs, unlimited transactions and practical invoice features.

But what really fits your business? We looked closely at both offers and show you where you get most of the money.

Finom vs. Qonto: What do the two business accounts cost?

If we look at Finom and Qonto’s fees, it becomes clear: Both providers rely on a staggered pricing model to meet different company sizes.

But while Finom scores primarily through low prices and a simple structure, Qonto clearly goes into companies with complex needs in the higher tariffs.

Finoma offers with its start tariff for 9 euros per month (even with annual payment only 7 euros) Probably the best price-performance ratio for smaller companies and the self-employed.

Because here are All refuge bookings free of charge. Then there are up to 6 physical cards And an unlimited number of virtual cards – and all of this with a card payment limit of 50,000 euros per month. Also the cashback program from up to 2 % Is a real highlight, especially if you can use regular card payments to recover the basic fee.

Qonto is much more expensive here. The cheapest tariffs start 9 euros per month for 30 free SEPA transfers but already offer a DATEV interface and basic accounting tools. If you need more, you will quickly end up with the Smart tariff for 19 euros per month (with annual payment).

The premium tariff then strikes with 39 euros per month At least and already covers 100 transactions away. The most expensive tariffs (essential, business and enterprise) cost 49, 99 and 199 euros Monthly – and then offer up to 1,000 transactions, 24 sub -accounts and 30 physical cards. One thing is clear: If you rely on extensive services and accounting integration, you can be in good hands at Qonto – but also pays a lot for it.

Summarized: Finom is significantly cheaper when it comes to daily transactions. However, if you need special functions or many sub -accounts, you have to consider whether you are willing to pay significantly more at Qonto.

Comparison: What are the legal forms of Finom and Qonto?

Finom has a huge lead in the question of which legal forms are supported. Because here is really thought of almost any form of the company.

Finom accepts the self -employed, freelancers, corporations (GmbH, UG, AG), partnerships (GbR, OHG, KG), special forms such as KGAA, PartG, EK, EC, companies in foundation (GmbH IG, UG IG) and even non -profit organizations (gGmbH, GUG).

This makes Finom a real all-round solution, regardless of whether you start as a sole trader, corporation or non-profit organization.

Qonto is also versatile, but not quite as broad. Are supported here GmbHs, UGS, EGS, clubs as well as sole proprietors and freelancers. However, Qonto is a little more restrictive when it comes to companies outside the EU or industries such as gambling or cryptocurrencies. But Qonto offers for companies with complex structures such as those occurring at Großen GmbHs or Holdings, perfectly adapted functions and extensive integration options.

Conclusion: Finom is simply more flexible when it comes to legal forms. No matter what start -up phase you are in or which company shape you choose – Finom covers everything. Qonto, on the other hand, scores with its extensive tools for complex financial structures.

Functions, maps & services: Which business account does the race?

It gets really exciting here.

Because what use cheap prices if the offered functions do not fit? If you think of a pure budget solution at Finom at first glance at Finom, you are completely wrong.

At Finoma they really get everything the entrepreneur’s heart desires in the premium tariffs: Up to 6 physical cards, an unlimited number of virtual cards, cashback programs, a card payment limit of 50,000 euros per month and free sub-accounts. The whole is supplemented by a fully integrated Accounting and bookkeeping toolwhich not only automatically assigns payments, but also offers DATEV interfaces.

A real highlight: Evidence is archived by revision and can be called up at any time.

Qonto Play here in the business league. With tariffs like Business (99 euros per month) and Enterprise (199 euros per month) demanding corporate customers are addressed. The possibility is particularly practical To handle transactions in up to 25 currenciessupported by cooperations with Little. In addition, the integration of ERP systems Like SAP or Microsoft Dynamics – ideal for larger companies that have complex accounting requirements.

But while Qonto makes almost everything possible, there is a lack of some points that make finoma, especially for smaller companies and start-ups: No cashback programs, no free sub-accounts and limited card options.

Summarized: Qonto is clearly aimed at companies with high demands on accounting integration and internationalization. Finom, on the other hand, scores with low prices, a free invoice module and extensive card options.

Our conclusion: This business account becomes a test winner

So who is ahead? Of course, this depends on what you are doing with your business account. But if we look closely at the data, there is a clear winner: Finoma.

Why? Very easy: Finom offers the best price-performance ratio. For monthly 9 euros (or even 7 euros With annual payment) you get an offer that at Qonto at least 49 euros costs – if it is comparable at all. There are also flexible card options, unlimited virtual cards and above all: unlimited free transactions. No wonder that Finom is the winner in many tests.

Qonto has its strengths without question – especially for companies with a large transaction volume and complex accounting requirements. But who mainly gets on Price-performance ratio, simple handling and flexibility is very well served at Finom.

FAQ: Finom vs. Qonto

What are the biggest differences between Finom and Qonto?

The most striking difference: Finom offers unlimited free transactions in the paid start tariff and an integrated invoice tool. Qonto, on the other hand, relies on premium tariffs with more extensive international payment processing and more sub-accounts. Finom is therefore clearly geared towards simple but efficient payment processes, while Qonto is more suitable for more complex company structures.

Which business account is cheaper – Finom or Qonto?

When it comes to the price, Finom gains very clearly. The Finom start tariff costs € 9 a month (€ 7 with annual payment) and offers unlimited free transactions. At Qonto it only starts from € 9 a month – and only with 30 free transactions. If you want more, you quickly pay much more. Qonto’s premium tariffs start at € 19 and go up to € 199 € a month.

What legal forms are supported by Finom and Qonto?

Finom is super flexible: from self -employed and freelancers to corporations (GmbH, UG, AG) and partnerships (GbR, OHG, KG) is there. Even companies in the foundation (e.g. UG IG) and non -profit organizations such as gGmbH are welcome at Finom. Qonto is also quite broad, but leaves companies outside the EU and from the gambling or crypto industry.

Who is Finom better suited for?

Finom is perfect for Freelancers, self -employed and small companiesthat primarily handle digital payments and do not need expensive premium functions. The built -in calculation tool is particularly practical, with which you can make your accounting much more relaxed.

For whom is Qonto better?

Qonto is aimed at SMEs and growing companiesthat have many transactions, want to withdraw cash or rely on international payments. The extensive premium tariffs are ideal for more complex corporate structures.