Brex vs Qonto
 Brex |  Qonto | |
|---|---|---|
| Rating | ⭐ 4.3 / 5 | ⭐ 4.5 / 5 |
| Category | Finance & reporting | Accounting & finance |
| Pricing model | Freemium | Paid |
| From | Free (Essentials); ~$12/user/month (Premium) | ~€9/month ex VAT |
| Ease of use | Beginner | Beginner |
| French interface | — | Yes |
| API | Yes | Yes |
| Website | Visit → | Visit → |
Our verdict: Brex
Relevant for US tech startups wanting corporate cards without personal credit checks and integrated spend management. Since the Capital One acquisition, the standalone product's future is uncertain. For an international SME, Spendesk or Qonto remain the direct alternatives.
Our verdict: Qonto
The essential business account for European SMEs who want to leave traditional banking without sacrificing accounting integrations. Ideal for teams of 1 to 50 people with multi-collaborator card and expense needs. Avoid if you need significant overdraft facilities or credit access: Qonto remains a payment service provider, not a bank.
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