Jirav 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.
Controller Essentials
- Auto-Generated Intelligent Budget
- 2 Plans
- 1 Year Forecast Duration
- Company level or up to 50 Departments
CFO Enterprise
- Advanced with Drivers, Staffing and Custom Bottoms Up Models
- 5 Active Scenarios
- 7 Years Forecast Duration
- Company Level or up to 50 Departments
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
Jirav vs Qonto FAQ
- Which one is cheaper?
- Qonto is the cheaper option, starting at $9/mo vs $50/mo for Jirav.
- Can I use either one for free?
- Neither has a free plan. But Qonto offers a free trial.
- How do they charge?
- Both use a flat-rate model, so the comparison is straightforward — it comes down to features and limits at each price point.
- Which one is a better deal?
- Depends on what you need. Jirav: This sits in the middle of the FP&A tooling stack — pricier than a spreadsheet-replacement tool but cheaper than enterprise CPM platforms like Adaptive Insights or Planful. They're clearly hunting accounting firms that want to upsell advisory services without building FP&A infrastructure themselves. 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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