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.
| Airwallex pricing | Qonto pricing | |
|---|---|---|
| Starts at | $12/mo | $9/mo |
| Number of plans | 3 | 3 |
| Free plan | — | |
| Free trial | — | |
| Pricing model | per-seat | flat-rate |
Price is one row. To weigh the features too, use our feature comparison template →
Explore
- Open multiple accounts per entity
- Collect and hold in 20+ currencies
- Free batch transfers to 120+ countries
- Access to interbank FX rates
- Earn 3.42% 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 3.57% 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 3.69% 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
- Add multiple legal entities to your organization with Global Entity Management³
- Dedicated account manager
- Onboarding support
Basic
- Business account with local IBAN
- 30 transfers/month
- 1 physical payment card + 2 virtual cards
- Payment links, Tap to Pay & POS
- Compliant electronic invoicing
- 24/7 customer support
- Qonto AI agent & Claude MCP
Smart
Popular- Account remuneration: 5% AER for 2 months, then 1.5% AER
- 1 sub-account
- 100 transfers/month
- 2 physical payment cards + 50 virtual cards
- Cash-flow tracking & forecasting
- Accountant access & accounting integrations
Premium
- Account remuneration: 5% AER for 2 months, then 1.5% AER
- 4 sub-accounts
- 200 transfers/month
- 2 physical payment cards + 50 virtual cards + 50 Instant cards
- Lower international FX (0.56%)
- Priority support, 7 days a week
- Subscription tracking & renewal alerts
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 plays the low-entry-cost game to hook businesses with a free tier, then makes its money on FX spreads and transaction fees rather than subscription revenue — closer to Wise or Revolut Business than to flat-fee platforms like Brex. It's not the cheapest at scale, but it's designed to look cheap upfront. Qonto: This sits mid-pack for European neobanks — pricier than bare-bones business account alternatives but cheaper than legacy bank business banking with all its fees. Qonto's clearly chasing SMBs who want a modern interface and fast onboarding without paying enterprise-grade fintech prices.
Still deciding? See the best Airwallex alternatives or the best Qonto alternatives, ranked with verified pricing.
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