Bill.com 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.
| Bill.com | Qonto | |
|---|---|---|
| Starts at | $49/mo | $9/mo |
| Number of plans | 4 | 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 →
Essentials
Team
Corporate
PopularEnterprise
- Automatic 2-way sync with QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, & more
- Sync purchasing orders and automatic 2 and 3-way matching
- Single Sign-On
- Dual control
- Multi-entity, multi-location accounting capabilities
- API access
- Priority 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 1.25% 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 1.25% 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
Bill.com vs Qonto FAQ
- Which one is cheaper?
- Qonto is the cheaper option, starting at $9/mo vs $49/mo for Bill.com.
- Can I use either one for free?
- Neither has a free plan. But Qonto offers a free trial.
- How do they charge?
- Different approach here. Bill.com 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. Bill.com: This sits mid-to-premium for AP automation — pricier than bare bookkeeping add-ons but cheaper than full ERP-adjacent finance suites. They're clearly going after SMBs and mid-market finance teams that have outgrown manual invoicing but aren't ready for NetSuite-level infrastructure, betting that the lack of a free trial won't scare off buyers who already know they need dedicated AP software. Qonto: At $9-39/month, Qonto sits in the affordable-to-mid range for neobank/business account tools aimed at freelancers, undercutting legacy business banking and positioning against other European neobanks like Revolut Business. They're clearly chasing self-employed and micro-business owners who find traditional bank fees absurd but still want a polished, feature-rich account.
Still deciding? See the best Bill.com alternatives or the best Qonto alternatives, ranked with verified pricing.
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