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.
Essentials
- 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
- 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
- Unlimited US or global entities
- Local card issuance, collections, reimbursements, and policies
- Named account manager for personalized support
- Admin center
- Fully customizable implementation services
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
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: At $12/seat, Brex is priced well below traditional expense platforms like Concur but competes directly with Ramp (which is free) — so they're not the cheapest option in the modern fintech stack. They're positioning Premium as a mid-market value play, using the free tier to win startups early before competitors can. 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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