Agenda vs Qonto: Complete Comparison (2026)
An in-depth comparison of Agenda and Qonto to help you choose the right tool for your business.
Last updated: November 2026
Agenda
6/10
German accounting, fixed-asset, cost accounting and payroll software from Agenda for small and mid-sized businesses and for tax advisory firms.
Qonto
6.4/10
Qonto is a European online business account for freelancers and SMEs, combining a local IBAN, payment cards, transfers, invoicing, and expense tools.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6/10 | 6.4/10 |
| Analytics | 6/10 | 5/10 |
| Compliance | 8/10 | 6/10 |
| Cost | 5/10 | 6/10 |
| Customization | 6/10 | 5/10 |
| Ease of Use | 4/10 | 8/10 |
| Integration | 6/10 | 8/10 |
| Scalability | 5/10 | 6/10 |
| Security | 7/10 | 6/10 |
| Support | 7/10 | 5/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €45/mo Rechnungswesen Small (from) | €9/mo Basic |
| Estimated cost for 10 users | €45/mo Rechnungswesen Small (from) | €49/mo Essential |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Accounts Payable | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Invoicing | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Agenda vs Qonto cost by team size
Qonto costs less at 1 user; Agenda costs less from 5 users.
| Team size | Agenda | Qonto |
|---|---|---|
| 1 user | €45/moRechnungswesen Small (from) | €9/moBasic |
| 5 users | €45/moRechnungswesen Small (from) | €49/moEssential |
| 10 users | €45/moRechnungswesen Small (from) | €49/moEssential |
| 25 users | €45/moRechnungswesen Small (from) | €49/moEssential |
| 50 users | €45/moRechnungswesen Small (from) | €49/moEssential |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Agenda
- Lower estimated cost for 10 users: €45/mo vs €49/mo
- Higher Compliance score (8/10 vs 6/10)
- Higher Support score (7/10 vs 5/10)
Why choose Qonto
- Higher Ease of Use score (8/10 vs 4/10)
- Higher Integration score (8/10 vs 6/10)
- Better fit for freelancers (9/10 vs 5/10)
- Better fit for small business (9/10 vs 7/10)
Pros & Cons
Agenda
Pros
- Covers German compliance tasks in one package: ELSTER VAT returns, E-Bilanz, Bundesanzeiger filing and GoBD-compliant cash books.
- DATEV-style booking logic and DATEV interfaces make it easy to work with tax advisors and to switch from DATEV.
- Computerwoche calls it a full-featured and cheaper alternative to DATEV for SMEs.
- The expert hotline is free in every package, and the hosted ASP option includes backups and updates in a German data center.
- Cost center and cost unit accounting with contribution margin analysis are built in.
Cons
- Built only for German law and the German language, and there is no mobile app according to Tax & Bytes.
- Very few public reviews: the four reviews on Capterra Germany average 2.3 out of 5, with 2.0 for ease of use.
- Usage-based costs for cloud use and payroll headcount make the full cost hard to predict.
- The listed prices are starting prices, and training costs extra.
Qonto
Pros
- Low entry price: the Basic solo plan costs €9 a month, and every plan has a one-month free trial with no commitment.
- Team plans include unlimited users, so costs do not rise with headcount.
- A large integration directory covers DATEV, Sage, Tiime and Stripe, plus Zapier, Make and a public API.
- Accountants get unlimited access from the Smart plan, which makes bookkeeping handoffs easier.
- Reviewers on G2 and Capterra praise the interface and quick onboarding.
Cons
- Reviewers often report account freezes during compliance checks that hold funds for days.
- Support is described as slow or generic when an issue is complex.
- International transfers cost 0.56% to 1.8% with a €5 minimum, which adds up for businesses that pay in many currencies.
- Qonto is a payment institution, not a full bank, and offers no broad lending products.
- There is no full general ledger or financial statements, so a separate accounting tool is still needed.
Not sold on either?
Frequently Asked Questions
Qonto scores higher on our Finance Software criteria: 6.4/10 against 6/10 for Agenda. The largest gap is in Ease of Use: 4/10 for Agenda and 8/10 for Qonto.
Agenda costs less for 10 users: about €45/mo on its Rechnungswesen Small (from) plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
No, neither Agenda nor Qonto lists a free plan.
Qonto is the better fit for freelancers: we rate it 9/10 for them, against 5/10 for Agenda.
