Airwallex vs Qonto Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
Explore
- Open multiple accounts per entity
- Collect and hold in 20+ currencies
- Free batch transfers to 120+ countries
- Access to interbank FX rates
- Earn 3.21% on USD with Yield*
- Unlimited multi-currency corporate cards with zero international fees²
- Up to 2% cash rebates on local USD spend⁴
- Advanced card controls to limit spend and freeze/cancel cards
- Expense management, reimbursement, and spend requests
- Domestic and international bill pay with AI coding
- Batched Bill Payments
- Accounting hub for accountants (Coming soon)
- AI receipt matching with email forwarding and bulk uploading
- Online card and local payment method acceptance globally
- Like-for-like settlement in 20+ currencies
- Optimize 360 for AI payment optimization and fraud prevention
- Custom payment integration paths
- Create and send invoices globally
- Manage simple and hybrid multi-frequency subscription pricing models
- Bill customers based on actual usage
- Sync bank feeds, expenses, and bills with Xero and QuickBooks
Grow
- Earn 3.36% on USD with Yield*
- Late submission policies and automatic card freezing rules
- Credit line for corporate cards (Coming soon)
- Customizable, multi-conditional approvals
- Advanced rules-based automation for expenses
- Track planned budgets vs. actuals (Coming soon)
- AI expense policy agent
- Rules-based automation for bills
- Approval workflows for vendors
- Remittance advice for bills
- Sync bank feeds, expenses, and bills with Netsuite and Dynamics 365 Business Central
- HRIS platform integrations
- Single sign-on (Coming soon)
Accelerate
- Earn 3.48% on USD with Yield*
- Purchase orders and requests
- 3-way matching for goods receipts and invoices powered by AI
- Custom direct Spend API integration with ERP
- Centralized management of finances across global entities³ (up to 3 entities)
- Dedicated account manager
- Onboarding support
Basic
- Move money fast with a local IBAN & instant SEPA transfers
- Get paid easily via payment links, Tap to Pay & POS terminals*
- Enjoy fully compliant e-invoicing
- Plan for the future with a suite of cash flow management tools
Smart
Popular- 5% AER remuneration, then 1.25% after 2 months
- Make up to 100 transfers/month
- Delegate bookkeeping via accountant access & integrated tools
- Manage expenses with 1 sub-account
Premium
- 5% AER remuneration, then 1.25% after 2 months
- Make up to 200 transfers/month
- Access priority support 7 days a week
- Manage recurring costs, budgets & expenses with 4 sub-accounts
Airwallex vs Qonto FAQ
- Which one is cheaper?
- Qonto is the cheaper option, starting at $9/mo vs $12/mo for Airwallex.
- Can I use either one for free?
- Airwallex has a free plan. Qonto doesn't — though they do offer a free trial.
- How do they charge?
- Different approach here. Airwallex uses per-seat pricing, while Qonto goes with flat-rate. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. Airwallex: Airwallex sits in the middle-to-value zone compared to legacy banking and enterprise treasury platforms — cheap enough to start free, but the real spend shows up in transaction fees once you're moving real money. They're chasing global-first SMBs and scaling startups who'd otherwise get nickel-and-dimed by traditional banks on FX spreads. Qonto: Qonto sits in the low-to-mid range for neobank/business account platforms — cheaper than legacy business banking but pricier than pure fintech challengers with free tiers. They're clearly going after SMBs and freelancers who want a bank alternative with some finance-ops tooling, not enterprises needing deep integrations.
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