Qonto vs Shine
 Qonto |  Shine | |
|---|---|---|
| Rating | ⭐ 4.5 / 5 | ⭐ 4.3 / 5 |
| Category | Accounting & finance | Accounting & finance |
| Pricing model | Paid | Freemium |
| From | ~€9/month ex VAT | ~€0 (Free) or ~€11/month ex VAT |
| Ease of use | Beginner | Beginner |
| French interface | Yes | Yes |
| API | Yes | Yes |
| Website | Visit → | Visit → |
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.
Our verdict: Shine
Ideal for independent professionals and microenterprises registered in France who want a simple business bank with invoicing and admin in one place, with no commitment. The Free plan is enough to get started. Avoid for SMEs with multiple collaborators or significant banking needs: Qonto is better suited from 3 people onwards.
We look at what you actually need and tell you which one to set up (or a third that fits better).
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