Collmex vs Qonto: Complete Comparison (2026)
An in-depth comparison of Collmex and Qonto to help you choose the right tool for your business.
Last updated: November 2026
Collmex
6.1/10
German cloud accounting, invoicing and lightweight ERP software for small businesses, freelancers and associations, with DATEV export and ELSTER VAT filing.
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 | C Collmex | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.1/10 | 6.4/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 7/10 | 6/10 |
| Cost | 9/10 | 6/10 |
| Customization | 4/10 | 5/10 |
| Ease of Use | 6/10 | 8/10 |
| Integration | 5/10 | 8/10 |
| Scalability | 3/10 | 6/10 |
| Security | 7/10 | 6/10 |
| Support | 5/10 | 5/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €9/mo Buchhaltung light | €9/mo Basic |
| Estimated cost for 10 users | €12/mo Buchhaltung basic | €49/mo Essential |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Tax Compliance | Not listed | |
Collmex vs Qonto cost by team size
Collmex costs less at every team size we checked.
| Team size | Collmex | Qonto |
|---|---|---|
| 1 user | FreeBuchhaltung free | €9/moBasic |
| 5 users | €12/moBuchhaltung basic | €49/moEssential |
| 10 users | €12/moBuchhaltung basic | €49/moEssential |
| 25 users | €12/moBuchhaltung basic | €49/moEssential |
| 50 users | €12/moBuchhaltung basic | €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?
CWhy choose Collmex
- Has a free plan (Qonto does not)
- Lower estimated cost for 10 users: €12/mo vs €49/mo
- Higher Cost score (9/10 vs 6/10)
- Higher Compliance score (7/10 vs 6/10)
Why choose Qonto
- Higher Integration score (8/10 vs 5/10)
- Higher Scalability score (6/10 vs 3/10)
Pros & Cons
CCollmex
Pros
- Free bookkeeping and invoicing tiers, with paid modules from 8.95 EUR a month, put it among the cheapest German options.
- Covers German requirements: SKR03 and SKR04, ELSTER VAT returns, DATEV export and GoBD-compliant archiving.
- HBCI bank import with automatic booking suggestions, which one reviewer said were accepted about 75% of the time.
- A dedicated association package handles members, dues and SEPA direct debit.
- Hosted in a German ISO 27001-certified data center, with monthly cancellation.
Cons
- The interface is plain and dated, according to reviewers, and the many booking templates take time to learn.
- German-only, and not suited to international or multi-currency businesses.
- Support is reportedly email-only.
- Most plans have fixed user counts that cannot be expanded.
- Not a full ERP: it is weak for complex warehouse or production needs and is not recommended beyond about 30 employees.
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 Collmex. The largest gap is in Cost: 9/10 for Collmex and 6/10 for Qonto.
Collmex costs less for 10 users: about €12/mo on its Buchhaltung basic plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
Collmex has a free plan; Qonto does not list one.
