Crunch vs Qonto: Complete Comparison (2026)
An in-depth comparison of Crunch and Qonto to help you choose the right tool for your business.
Last updated: November 2026
Crunch
5.4/10
UK online accountancy service that pairs bookkeeping and invoicing software with ACCA-regulated accountants for sole traders, contractors and small limited companies.
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 | 5.4/10 | 6.4/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 8/10 | 6/10 |
| Cost | 5/10 | 6/10 |
| Customization | 3/10 | 5/10 |
| Ease of Use | 7/10 | 8/10 |
| Integration | 3/10 | 8/10 |
| Scalability | 3/10 | 6/10 |
| Security | 6/10 | 6/10 |
| Support | 7/10 | 5/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | £27/mo Sole Trader Pro | €9/mo Basic |
| Estimated cost for 10 users | Free Crunch Free | €49/mo Essential |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Crunch vs Qonto cost by team size
| Team size | Crunch | Qonto |
|---|---|---|
| 1 user | FreeCrunch Free | €9/moBasic |
| 5 users | FreeCrunch Free | €49/moEssential |
| 10 users | FreeCrunch Free | €49/moEssential |
| 25 users | FreeCrunch Free | €49/moEssential |
| 50 users | FreeCrunch Free | €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 Crunch
- Has a free plan (Qonto does not)
- Higher Compliance score (8/10 vs 6/10)
- Higher Support score (7/10 vs 5/10)
Why choose Qonto
- Higher Integration score (8/10 vs 3/10)
- Higher Scalability score (6/10 vs 3/10)
- Better fit for enterprise (3/10 vs 1/10)
Pros & Cons
Crunch
Pros
- Paid plans include a qualified UK accountant who prepares and files Self Assessment, Corporation Tax, VAT and year-end accounts.
- Fixed monthly pricing through a published quote tool, backed by a price match guarantee and a 14-day free trial.
- MTD for Income Tax software comes at no extra cost on sole trader plans.
- Dividend vouchers, board minutes and distributable reserves are automated for limited company directors.
- Support is available by phone, live chat, video and email, and Trustpilot reviewers often praise named advisers.
Cons
- Far fewer third-party integrations than Xero or QuickBooks, and no app marketplace.
- Payroll for staff, director Self Assessment and multi-currency all cost extra on top of the base fee.
- Recent reviews complain about inconsistent support and software glitches, such as bank file formats not being recognised.
- A poor fit for complex companies with group structures or share schemes.
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 5.4/10 for Crunch. The largest gap is in Integration: 3/10 for Crunch and 8/10 for Qonto.
Crunch has a free plan; Qonto does not list one.
Qonto is the better fit for enterprise: we rate it 3/10 for them, against 1/10 for Crunch.
