Overview
Deciding between bunq Core Business and Qonto Basic? Today, we will be comparing these bank accounts, providing you with a complete overview of features available, pricing and fees. Below you will find a brief introduction for both of the banks, after which you can explore our comparison table listing all the key information on fees and products available for both of the options. At the end of the article, we provide bullet points of key pros and cons of both options and our verdict.
This comparison is a challenging one - the approach these banks have to modern-day business banking is wildly different. bunq's Core is a powerhouse containing an abundance of amazing and useful features. It comes with an Open API, stylish bank cards and rapidly evolving and almost experimental mobile apps. Qonto Basic has a different and maybe slightly less ambitious goal in mind: delivering everything the customer expects with a "smart casual" presentation.
What is also important is that both subscriptions are provided by fully-licensed and heavily-audited financial institutions overseen by two of EU's strictest regulators (Dutch National Bank and Banque de France). Thus, you should not have any concerns about these banks being "legit" or trustworthy enough - they're just as reliable and safe as any of the "big banks" in these countries. Plus, both of them offer a free 30-days "no-strings-attached" trial, which gives you an option of getting "hands on" experience with each of them, at no cost at all!
There are quite a few considerations to keep in mind when choosing, so make sure to identify what deal-breakers there are for you personally.
bunq Core Business
bunq's baseline plan, Core Business, is an inexpensive option that gives a good impression of what the Dutch neobank is. Significantly less powerful than the higher-tier plans, Easy Bank is still a solid product that has an impressive array of niche features while performing very well in day-to-day banking, with high acceptance rate on cards all over the world and world-class security tech.
Qonto Basic
Qonto Basic is aimed at self-employed workers and digital entrepreneurs. As Qonto's entry-level plan, Basic is a solid collection of essentials for managing your activity as a self-employed worker. With rich localization options and business-first focus of Qonto, Basic is a modern and secure way to solve your business banking needs at a very reasonable price point.
Qonto & bunq: Pros & cons
The detailed breakdown of dozens of terms and complex fee structures can get overwhelming - to avoid that, here are some of the key benefits and disadvantages of both bunq and Qonto's propositions.
bunq Core Business
- Pro: Banking like a local all over Europe: low commission on non-Euro payments and bank accounts in multiple currencies.
- Pro: Tap to Pay - You can collect card payments with your iPhone, no PoS terminal needed!
- Pro: Very reasonably priced with minimum additional fees - most companies would not pay more than the monthly fee.
- Con: No phone support available - however, the online chat in-app is available 24/7.
- Con: Not a great plan if your business does cash transactions: modest limits and moderately high fees.
Qonto Basic
- Pro: Qonto Basic allows you to upload and save your receipts to match them to your transactions
- Pro: You can automate your finance management by connecting various apps and accounting software
- Pro: Dedicated dashboard makes managing cash flow easy thanks to indicator charts and precise tracking of your in- and outflows
- Con: You can not get additional physical cards while virtual ones cost €2 each
- Con: Only having a single account with no "pockets" or "vaults" makes budgeting harder than it should
- Con: Lack of local payment methods outside of France is limited - make sure your favorites are supported
Our verdict: bunq Core Business or Qonto Basic?
Our verdict is twofold. While bunq Core for Businesses subscription is priced at almost half of what Qonto Basic costs, has a lot less limits (transactions, deposits and withdrawals) and would most likely end up significantly cheaper than the opponent after accounting for all additional fees Qonto has, the comparison is not as one-sided.
Qonto's entry-level plan could still come out ahead - for example, if your company plans on receiving cheque payments or in case you value having an option of calling customer support by phone. Besides, Qonto feels like a more polished experience compared to bunq which is a more powerful banking product potentially, yet the user experience is rough around the edges.
Either way, our verdict stays the same - thanks to free 30 days of trial without any commitments available at both banks, there really is no excuse to not try both!
So what are you waiting for?
If you found any of these plans to be a good fit for your specific banking needs, you will find links to their official websites or apps in the "Pick … if" section above. By signing up via links on our website, you support us in our mission of making finance easy and accessible to everyone.
Please note that the information on pricing, contract terms and availability of products in certain markets is subject to change and can differ from what is stated above. We aim to keep this comparison as accurate and up-to-date as possible, but we advise you to treat the information provided above as indicative and always check banks' official websites for actual terms before signing up.
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