Expensify 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.
| Expensify | Qonto | |
|---|---|---|
| Starts at | $5/mo | $9/mo |
| Number of plans | 2 | 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 →
Collect
Popular- Receipt scanning
- Reimbursements
- Corporate card management
- Expense and travel approvals
- Travel booking and rules
- QuickBooks/Xero integrations
- Chat on expenses, reports, and rooms
- AI and human support
- Unlimited SmartScans
- Distance tracking
- Expense approvals
- Third-party card feeds and reconciliation
- Expense categories and tags
- ACH reimbursement
- QuickBooks Online and Xero
- Delegated access
- In-product reporting
- NetSuite, Sage Intacct, and QuickBooks Desktop
- Certinia, Workday, Gusto and Zenefits
- Multiple expense approvers
- SAML/SSO
- Admin-enforced controls
- Custom insights and reporting
- Budgeting
- Unlimited cards
- Smart Limits
- Up to 2% cash back*
- Virtual cards
- Save up to 50% on Expensify
- Unlimited travel bookings
- Flights, hotels, cars, and rail
- Customizable travel rules
- Unlimited group policies
- Integrated with expense rules
- Trip approvals
- 24/7 travel support line
- Travel reporting
- 24/7 realtime chat with humans
- AI-driven alerts
- Account executive
- Account manager
- Quarterly business reviews
- Expense and report-level commenting
- Customized chat rooms
- Employee DMs
- Detailed audit history
- Invoice/bill scanning
- Digital address for processing
- Automated payments
- Invoice chat rooms for collaboration
Control
- Multiple approval flows
- Custom expense rules
- ERP integration (NetSuite, Sage Intacct)
- HR integrations with Workday/Certinia
- SAML/SSO
- Custom insights and reporting
- Budgeting
- Unlimited SmartScans
- Distance tracking
- Expense approvals
- Third-party card feeds and reconciliation
- Expense categories and tags
- ACH reimbursement
- QuickBooks Online and Xero
- Delegated access
- In-product reporting
- NetSuite, Sage Intacct, and QuickBooks Desktop
- Certinia, Workday, Gusto and Zenefits
- Multiple expense approvers
- Admin-enforced controls
- Unlimited cards
- Smart Limits
- Up to 2% cash back*
- Virtual cards
- Save up to 50% on Expensify
- Unlimited travel bookings
- Flights, hotels, cars, and rail
- Customizable travel rules
- Unlimited group policies
- Integrated with expense rules
- Trip approvals
- 24/7 travel support line
- Travel reporting
- 24/7 realtime chat with humans
- AI-driven alerts
- Account executive
- Account manager
- Quarterly business reviews
- Expense and report-level commenting
- Customized chat rooms
- Employee DMs
- Detailed audit history
- Invoice/bill scanning
- Digital address for processing
- Automated payments
- Invoice chat rooms for collaboration
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
Expensify vs Qonto FAQ
- Which one is cheaper?
- Expensify starts lower at $5/mo, compared to $9/mo for Qonto.
- Can I use either one for free?
- Expensify has a free plan. Qonto doesn't — though they do offer a free trial.
- How do they charge?
- Different approach here. Expensify 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. Expensify: At $5-9 per active user, they're undercutting Concur and Certinia significantly while sitting in the same ballpark as Ramp and Brex — but those are card-first products. Expensify is going after mid-market finance teams that want a dedicated expense tool without enterprise pricing. 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.
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