Bookkeeper360 vs Qonto: Complete Comparison (2026)
An in-depth comparison of Bookkeeper360 and Qonto to help you choose the right tool for your business.
Last updated: November 2026
Bookkeeper360
6.1/10
Outsourced bookkeeping, tax, payroll and fractional CFO service for US small businesses, with its own reporting dashboard and app built on Xero or QuickBooks.
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 | 6.1/10 | 6.4/10 |
| Scalability | 6/10 | 6/10 |
| Analytics | 7/10 | 5/10 |
| Compliance | 7/10 | 6/10 |
| Integration | 6/10 | 8/10 |
| Security | 5/10 | 6/10 |
| Support | 8/10 | 5/10 |
| Cost | 3/10 | 6/10 |
| Customization | 6/10 | 5/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | $400/mo Bookkeeping | €9/mo Basic |
| Estimated cost for 10 users | $400/mo Bookkeeping | €49/mo Essential |
| Features | ||
| Accountant Access | ||
| Accounts Payable | ||
| Bank Reconciliation | ||
| Invoicing | ||
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Bookkeeper360 vs Qonto cost by team size
| Team size | Bookkeeper360 | Qonto |
|---|---|---|
| 1 user | $400/moBookkeeping | €9/moBasic |
| 5 users | $400/moBookkeeping | €49/moEssential |
| 10 users | $400/moBookkeeping | €49/moEssential |
| 25 users | $400/moBookkeeping | €49/moEssential |
| 50 users | $400/moBookkeeping | €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 Bookkeeper360
- Higher Support score (8/10 vs 5/10)
- Higher Analytics score (7/10 vs 5/10)
Why choose Qonto
- Higher Cost score (6/10 vs 3/10)
- Higher Integration score (8/10 vs 6/10)
Pros & Cons
Bookkeeper360
Pros
- Every client gets a dedicated US-based team reachable by chat, phone or email, and the pricing page describes support as unlimited.
- Clients can add tax, sales tax, payroll, HR and CFO work to bookkeeping, so one firm can handle the whole back office.
- There is no long-term contract, and month-to-month billing is available.
- Its web and mobile dashboards show cash, burn rate and runway on top of the Xero or QuickBooks ledger.
- It works with common small business apps, including Gusto, ADP, BILL, Ramp, Shopify, Amazon and A2X.
Cons
- Plans start at $400 per month, which reviewers call pricey compared with competitors.
- Published prices are only starting points, and the final cost depends on a quote.
- It works only on Xero or QuickBooks, so it cannot be used with FreshBooks or Wave.
- The site gives no public detail on security certifications.
- It is a managed service rather than self-serve software, so in-house finance teams have less direct control over the books.
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 6.1/10 for Bookkeeper360. The largest gap is in Cost: 3/10 for Bookkeeper360 and 6/10 for Qonto.
No, neither Bookkeeper360 nor Qonto lists a free plan.
