Qonto vs Tiime
 Qonto |  Tiime | |
|---|---|---|
| Rating | ⭐ 4.5 / 5 | ⭐ 4.2 / 5 |
| Category | Accounting & finance | Accounting & finance |
| Pricing model | Paid | Freemium |
| From | ~€9/month ex VAT | ~€0 (Free) or ~€17.99/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: Tiime
Excellent free entry point for independent professionals and microenterprises who want invoicing and mobile pre-accounting with no commitment. The Business plan suits small enterprises working with an accountant. Avoid for an SME with complex accounting needs or multiple entities: go directly to a more comprehensive platform.
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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