Qonto Basic
vs Anytime Start

Comparison table, pros & cons, overview of fees

July 4, 2022


Looking to compare Qonto Basic and Anytime Start? In this article, we provide a detailed comparison of these bank accounts, their prices and terms. Below you will find a brief introduction for both of the banks, followed by a side-by-side comparison table of products available, benefits and fees of both accounts. At the end of the article, we provide bullet points of key pros and cons of both options and our verdict.

Qonto and Anytime are two of the most successful digital banks originating from France. Both banks face a challenge of "digitalizing" a very old-fashioned and outdated banking system in the country - hence the constant balance between going "full digital" while still providing the "face-to-face" aspect as well as supporting cheques. Both Start and Basic are entry-level plans of their banks, yet both still feature an impressive range of features and generally significantly outperform the "brick and mortar" banks most French and Belgian customers use. Find out if one of these is a perfect fit for your banking needs in our comparison below.

Are you looking to take your business banking needs to a new bank? Make sure to visit our comparisons and reviews of top digital banks for companies and freelancers.


Qonto - Basic

Qonto

Qonto is an up-and-coming French neobank for businesses that is equally suited for freelancers, micro-businesses, SMEs and startups. Diverse in its product portfolio and capable of satisfying business needs of any caliber, Qonto now offers a one-month free trial for new users.

HQ: Paris, FR
Founded in: 2016
Users: 150'000+
Deposit protection: Up to €100'000
Website: qonto.com
Personal plans:
 
Business plans: ✔️
Starting at €9.00 per month
Currencies: EUR
Shared accounts:
Student accounts:
Support: Phone, chat, email
Sign-up bonus: 30 days free trial
HQ: Paris, FR
Founded in: 2016
Users: 150'000+
Deposit protection: Up to €100'000
Support: Phone, chat, email
Sign-up bonus: 30 days free trial
Website: qonto.com
Personal plans:
Business plans: ✔️
Starting at €9.00 per month
Shared accounts:
Student accounts:
Currencies: EUR

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.

Visit other bank account comparisons featuring this plan:


Anytime - Start

Anytime

Anytime acts as a modernized version of a traditional bank and aims to become a top pick for both professional or personal banking purposes. Great for freelancers who want their funds consolidated, but conveniently divided into business and personal funds.

HQ: Brussels, BE
Founded in: 2014
Users: Undisclosed
Deposit protection: Up to €85'000
Website: anyti.me
Personal plans:
 
Business plans: ✔️
Starting at €9.50 per month
Currencies: EUR
Shared accounts:
Student accounts:
Support: Phone, chat, email
Sign-up bonus: 30 days free trial
HQ: Brussels, BE
Founded in: 2014
Users: Undisclosed
Deposit protection: Up to €85'000
Support: Phone, chat, email
Sign-up bonus: 30 days free trial
Website: anyti.me
Personal plans:
Business plans: ✔️
Starting at €9.50 per month
Shared accounts:
Student accounts:
Currencies: EUR

Anytime Start is an entry-level proposition that combines business and personal bank accounts. With a solid array of convenient features you would not find at a traditional bank and an impressive package included in the subscription (for example, two physical bank cards and multiple accounts), Start is a very serious contender in its price range.


Features & Prices: Comparison table

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. To assist you in that assessment, we provide a side-by-side comparison of various features, products available and fees applicable between Qonto Basic and Anytime Start in a table below.

Qonto logo
Basic
Anytime logo
Start
Price, per month € 9.00 € 9.50
Commitment Cancel monthly 6 months
Sign-up bonus 30 days free trial 30 days free trial
Official website qonto.com anyti.me
Accounts
IBANs FR, IT, DE, ES FR, BE, UK
Sub-accounts included 1 2
Shared accounts
Employee accounts ✔️
Mobile Payments
Apple Pay ✔️
Google Pay ✔️
Samsung Pay
Cards
Cards available Mastercard Mastercard
Cards included 1 2
Maestro/VPay
Debit cards ✔️ ✔️
Credit cards
Virtual cards ✔️ ✔️
Extra card fee € 2.00 p/m € 1.00 p/m
Replacement fee € 10.00 € 14.90
Free replacements - -
Metal card
Wooden cards
Payment Methods
iDeal
SOFORT
Bancontact
Various Fees
SWIFT (receive) € 5.00 € 3.00
Foreign exchange fee 0.80% 1.80%
Currency fee-free limit - -
ATM Withdrawals
Daily limit € 1,000 € 1,000
Free withdrawals, per month - -
After that, per withdrawal € 1.00 € 1.50
Withdrawal fee abroad € 1.00 € 1.90 + 1,8%
Interest Rate
Current accounts
Savings accounts
Transaction & Deposit Limits
Deposit limit € 60,000 -
Deposit Protection Up to €100'000 Up to €85'000
Monthly spend limit € 20,000 € 10,000
Other financial products
Overdraft
Investments in-app
Crypto trading
Cheques Up to €30,000 €2 per cheque
Cashback
Insurance
Lounge access
Transaction categorization ✔️ ✔️
Purchase protection €3'000 per year limit
Round-up savings
Budgeting features ✔️
Deals & Discounts ✔️
Other benefits Cash flow dashboard Legal hotline
Learn more qonto.com anyti.me

Pros & Cons:

The comparison of dozens of terms and complex fee structures we provided below can get overwhelming - to help you digest that, we will provide some of the key benefits and disadvantages of both Qonto and Anytime's propositions below.

Qonto Basic

  • Plus sign   Qonto Basic allows you to upload and save your receipts to match them to your transactions
  • Plus sign   You can automate your finance management by connecting various apps and accounting software
  • Plus sign   Dedicated dashboard makes managing cash flow easy thanks to indicator charts and precise tracking of your in- and outflows
  • Minus sign  You can not get additional physical cards while virtual ones cost €2 each
  • Minus sign  Only having a single account with no "pockets" or "vaults" makes budgeting harder than it should
  • Minus sign  Lack of local payment methods outside of France is limited - make sure your favorites are supported

Anytime Start

  • Plus sign   Emergency customer support by phone available, on top of usual service provided by chat
  • Plus sign   Anytime Start customers can get their questions answered by legal experts by calling a hotline
  • Plus sign   One subscription gives you both personal as well as business accounts (professionals and SMEs)
  • Minus sign  Very high fees when paying in non-Euro currencies - 1,80% when using the basic bank card included in Start
  • Minus sign  Anytime cards do not yet support neither Google Pay nor Apple Pay
  • Minus sign  Capital deposit and assistance in setting up your company are only available in higher-tier subscriptions

Summary: Anytime Start or Qonto Basic?

After reviewing all the terms, rates and features of both products, our assessment is simple: Qonto Basic currently feels like a more solid proposition for most use cases. Anytime's Start is not only more expensive (including some surprising fees: €2 per rejected direct debit, €0.50 per refused transaction or a €50 "inactivity fee"!), but also feels overly complex and bureaucratized, unlike most other digital banks. It would not be fair to say that Start does not have advantages (for example, personal bank account included for free), and since both plans offer 30-day trial for free, it makes perfect sense to try both and make a call after getting "hands-on" with each product. If any of the two banks sparked your interest, we provide links to the banks via the buttons below. Make sure to carefully review the variant you settled on using the information available at the bank's official websites.

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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