Brex 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.

Brex 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 →

Brex pricing

Official page

Essentials

$0/mo
  • Global card acceptance and 1 local card program
  • AI-powered custom rules
  • Up to two entities (1 global entity)
  • Accounting integrations
  • Local currency wires
  • Travel booking (free on Essentials)
  • Real-time reporting
  • Brex API access
  • Bill pay
  • Reimbursements

Premium

$12/mo
  • Multiple, customizable expense policies (category rules, role-based policy exceptions, and auto-approval rules)
  • Dynamic expense review chains
  • AI-powered compliance audit detection and insights
  • Advanced approvals with dynamic Spend Limit approval chains
  • Multi-entity (US & International)
  • Customizable ERP integrations and HRIS integrations
  • VAT documentation
  • Group travel and advanced travel rules
  • Live budgets

Enterprise

Custom
  • Unlimited US or global entities
  • Local card issuance, collections, reimbursements, and policies
  • Named account manager for personalized support
  • Admin center
  • Fully customizable implementation services

Qonto pricing

Official page

Basic

$9/mo
  • 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
$19/mo
  • 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

$39/mo
  • 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

Brex vs Qonto FAQ

Which one is cheaper?
Qonto is the cheaper option, starting at $9/mo vs $12/mo for Brex.
Can I use either one for free?
Brex has a free plan. Qonto doesn't — though they do offer a free trial.
How do they charge?
Different approach here. Brex 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. Brex: Free-to-start puts Brex in the same low-friction bucket as Ramp, aiming squarely at startups and growth-stage companies rather than enterprises with entrenched Concur or SAP contracts. The $12/seat Premium tier is cheap enough to not be a blocker, suggesting Brex makes its real money on card spend and float, not software fees. 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 Brex alternatives or the best Qonto alternatives, ranked with verified pricing.

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