Which one is cheaper?

Qonto starts lower at $9/mo, compared to $100/mo for Anrok.

Can I use either one for free?

Neither has a free plan. But Qonto offers a free trial.

Different approach here. Qonto uses flat-rate pricing, while Anrok goes with hybrid. That changes the math depending on your team size and usage.

Which one is a better deal?

Depends on what you need. 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. Anrok: At $100/mo (or $50 for eCommerce sellers), Anrok undercuts the enterprise tax-compliance incumbents on entry price, positioning itself as the accessible option for startups and mid-market SaaS/eCommerce companies. But hiding the real cost behind 'contact sales' for anyone scaling up means they're not competing purely on price once you're a serious volume player.

Qonto vs Anrok Pricing (2026)

	Qonto	Anrok
Starts at	$9/mo	$100/mo
Number of plans	3	2
Free plan	—	—
Free trial		—
Pricing model	flat-rate	hybrid

Price is one row. To weigh the features too, use our feature comparison template →

Qonto

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 1.25% 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 1.25% 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

Anrok

Official page

Starter

$100/mo

Anrok Atlas: AI tax intelligence
Global exposure monitoring
Real-time tax calculation
Filing and remittance
Exemption certificate management
Physical nexus tracking

Qonto vs Anrok FAQ

Which one is cheaper?: Qonto starts lower at $9/mo, compared to $100/mo for Anrok.
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. Qonto uses flat-rate pricing, while Anrok goes with hybrid. That changes the math depending on your team size and usage.
Which one is a better deal?: Depends on what you need. 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. Anrok: At $100/mo (or $50 for eCommerce sellers), Anrok undercuts the enterprise tax-compliance incumbents on entry price, positioning itself as the accessible option for startups and mid-market SaaS/eCommerce companies. But hiding the real cost behind 'contact sales' for anyone scaling up means they're not competing purely on price once you're a serious volume player.

Still deciding? See the best Qonto alternatives or the best Anrok alternatives, ranked with verified pricing.

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