Best Qonto Alternatives (2026)
Looking for something other than Qonto for finance? Here are the 10 alternatives we track, ranked, with verified pricing for each.
Pricing verified Aug 03, 2026
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Qonto alternatives at a glance
| Product | Entry price | Plans | Free plan | Free trial |
|---|---|---|---|---|
| Qonto this page's subject | $9/mo | 3 | No | Yes |
| Airwallex | $12/mo | 3 | Yes | No |
| Bill.com | $49/mo | 7 | Yes | Yes |
| Brex | $12/mo | 3 | Yes | No |
| ChartMogul | $59/mo | 4 | Yes | Yes |
| Cin7 | $349/mo | 4 | No | Yes |
| Expensify | $5/mo | 2 | Yes | No |
| Jirav | $50/mo | 2 | No | No |
| Katana | $299/mo | 3 | Yes | No |
| Ledgy | Custom | 3 | Yes | No |
| Maxio | $599/mo | 2 | No | No |
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Airwallex
FinanceGlobal business accounts, payments, and spend management platform.
Airwallex sits in the middle-to-value zone compared to legacy banking and enterprise treasury platforms — cheap enough to start free, but the real spend shows up in transaction fees once you're moving real money. They're chasing global-first SMBs and scaling startups who'd otherwise get nickel-and-dimed by traditional banks on FX spreads.
Plans: Explore $0/mo per seat · Grow $12/mo per seat · Accelerate Contact Sales
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Bill.com
FinanceAP and AR automation for SMBs.
Bill.com sits in the mid-market sweet spot — not as cheap as entry-level tools like Melio, not as expensive as full ERP-adjacent platforms like Tipalti or Coupa. They're clearly targeting finance teams at growth-stage and mid-market companies who've outgrown basic bookkeeping but aren't ready to justify enterprise spend management suites.
Plans: Spend & Expense $0/mo per seat · BILL Spend & Expense Partner $0/mo per seat · Essentials $49/mo per seat · BILL AP & AR Partner $49/mo per seat · Team $65/mo per seat · Corporate $89/mo per seat · Enterprise Contact Sales
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Brex
FinanceCorporate cards and spend for startups.
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.
Plans: Essentials $0/mo per seat · Premium $12/mo per seat · Enterprise Contact Sales
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ChartMogul
FinanceSubscription analytics and CRM.
At $59-99/mo for the mid-tiers, ChartMogul undercuts heavier BI/analytics platforms but isn't chasing the rock-bottom free-tool crowd either — it's positioned as the approachable, SaaS-native option for founders who want investor-ready metrics without building a data team.
Plans: Free $0/mo · Starter $59/mo · Pro $99/mo · Enterprise Contact Sales
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Cin7
FinanceInventory management for sellers.
At $349 to $999/mo before you even get to Omni, Cin7 sits firmly in the mid-to-premium range for inventory management platforms — well above lightweight tools like inFlow but positioned to compete with heavier ERP-adjacent players. They're chasing growing SMBs and mid-market brands who've outgrown spreadsheets or entry-level tools but aren't ready for full ERP price tags.
Plans: Standard $349/mo · Pro $599/mo · Advanced $999/mo · Omni Contact Sales
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Expensify
FinanceExpense reports that don't suck.
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.
Plans: Collect $5/mo per seat · Control Contact Sales
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Jirav
FinanceFinancial planning and analysis software for accounting firms and SMBs.
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.
Plans: Controller Essentials $50/mo · CFO Enterprise $150/mo
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Katana
FinanceCloud manufacturing ERP.
This isn't the budget inventory tool — $299 as a starting price already prices out hobbyists and micro-businesses, and the add-on structure means serious manufacturers pay well more. Katana's playing for mid-market production teams who need MRP-grade features, not the SMB crowd comparing $50/mo Shopify inventory apps.
Plans: Free Plan $0/mo · Core Plan $299/mo · Advantage Plan Contact Sales
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Ledgy
FinanceEquity management for Europe.
Plans: Launch $0/mo · Scale Contact Sales · Enterprise Contact Sales
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Maxio
FinanceBilling and rev-rec for B2B SaaS.
At $599/mo with no per-seat fees, Maxio is positioning as a mid-market alternative to Zuora and Chargebee for companies that have outgrown Stripe Billing but aren't ready for enterprise pricing. They're not the cheapest option in the space, but they're betting on unlimited users and modular add-ons to justify the price against seat-heavy competitors.
Plans: Grow $599/mo · Scale Contact Sales
None of these fit? Browse the full pricing directory →
Qonto Alternatives FAQ
- What is the best alternative to Qonto?
- Airwallex is the closest Qonto alternative we track for finance. Paid plans start at $12/mo, and there is a free plan to start on. Bill.com and Brex are also worth a look.
- Are there free alternatives to Qonto?
- Yes — Airwallex, Bill.com, Brex and 4 more offer a free plan, so you can switch without paying up front.
- How much do Qonto alternatives cost?
- Entry prices range from $5/mo (Expensify) to $599/mo (Maxio). Each product page has the full verified tier breakdown.
- Is there a cheaper alternative to Qonto?
- Yes — Qonto starts at $9/mo, while Expensify ($5/mo) starts lower.
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