Bokio vs Qonto: Complete Comparison (2026)
An in-depth comparison of Bokio and Qonto to help you choose the right tool for your business.
Last updated: November 2026
Bokio
5.6/10
Swedish cloud accounting service for sole traders and small limited companies, covering bookkeeping, invoicing, payroll, VAT reporting and an integrated business account.
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 | 5.6/10 | 6.4/10 |
| Scalability | 3/10 | 6/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 7/10 | 6/10 |
| Integration | 5/10 | 8/10 |
| Security | 6/10 | 6/10 |
| Support | 5/10 | 5/10 |
| Cost | 5/10 | 6/10 |
| Customization | 4/10 | 5/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | SEK 319/mo Basic | €9/mo Basic |
| Estimated cost for 10 users | SEK 319/mo Basic | €49/mo Essential |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Bokio vs Qonto cost by team size
| Team size | Bokio | Qonto |
|---|---|---|
| 1 user | SEK 319/moBasic | €9/moBasic |
| 5 users | SEK 319/moBasic | €49/moEssential |
| 10 users | SEK 319/moBasic | €49/moEssential |
| 25 users | SEK 319/moBasic | €49/moEssential |
| 50 users | SEK 319/moBasic | €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 Bokio
- Higher Compliance score (7/10 vs 6/10)
Why choose Qonto
- Higher Scalability score (6/10 vs 3/10)
- Higher Integration score (8/10 vs 5/10)
Pros & Cons
Bokio
Pros
- Bank connection suggests entries and matches incoming payments automatically, which cuts manual bookkeeping for small firms.
- VAT is calculated from the books and the VAT report is generated for Skatteverket, with a choice of monthly, quarterly, or yearly periods.
- Accounting consultants invited via Bokio Byrå count as free users.
- A forum user reports a smooth connection to årsredovisningonline for annual reports.
- Bookkeeping, invoicing, payroll, and a business account with a card come from a single vendor.
Cons
- The free plan was removed in September 2023 at short notice, which angered long-time users.
- Users and a Capterra reviewer call it expensive, at roughly 500 SEK per month with two employees.
- Many functions are paid extras, including extra users, Swish, e-invoices, advanced payroll, and the annual report.
- A forum user reports, secondhand and unverified, that payroll reporting cannot handle parental leave or VAB.
- It is focused on Sweden and suits only small businesses.
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 5.6/10 for Bokio. The largest gap is in Integration: 5/10 for Bokio and 8/10 for Qonto.
No, neither Bokio nor Qonto lists a free plan.
