Holvi vs Qonto: Complete Comparison (2026)
An in-depth comparison of Holvi and Qonto to help you choose the right tool for your business.
Last updated: November 2026
Holvi
5.5/10
Holvi is a business account with invoicing, receipt capture and bookkeeping prep for freelancers and small companies in Finland, Germany and Austria.
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 | 5.5/10 | 6.4/10 |
| Scalability | 3/10 | 6/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 6/10 | 6/10 |
| Integration | 3/10 | 8/10 |
| Security | 6/10 | 6/10 |
| Support | 5/10 | 5/10 |
| Cost | 8/10 | 6/10 |
| Customization | 3/10 | 5/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €9/mo Holvi Lite | €9/mo Basic |
| Estimated cost for 10 users | €9/mo Holvi Lite | €49/mo Essential |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Tax Compliance | Not listed | |
Holvi vs Qonto cost by team size
Holvi costs less at every team size we checked.
| Team size | Holvi | Qonto |
|---|---|---|
| 1 user | FreeHolvi Flex | €9/moBasic |
| 5 users | €9/moHolvi Lite | €49/moEssential |
| 10 users | €9/moHolvi Lite | €49/moEssential |
| 25 users | €9/moHolvi Lite | €49/moEssential |
| 50 users | €9/moHolvi Lite | €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 Holvi
- Has a free plan (Qonto does not)
- Lower estimated cost for 10 users: €9/mo vs €49/mo
- Higher Cost score (8/10 vs 6/10)
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)
- Better fit for small business (9/10 vs 7/10)
Pros & Cons
Holvi
Pros
- The free Flex plan gives sole traders an IBAN and a virtual card with no monthly fee.
- Invoicing, payment matching and receipt scanning all happen in the same app as the bank account.
- The Lite and Pro plans include accountant access for handing over the books.
- Finnish customers can add a done-for-you bookkeeping service.
Cons
- Holvi only serves Finland, Germany and Austria.
- On Flex, per-transfer fees add up quickly as volume grows.
- It is not a full double-entry accounting system and has no consolidation or forecasting.
- Some reviews on G2 and Trustpilot complain of sudden account freezes or closures.
- Currency exchange carries a 1 percent fee.
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 5.5/10 for Holvi. The largest gap is in Integration: 3/10 for Holvi and 8/10 for Qonto.
Holvi costs less for 10 users: about €9/mo on its Holvi Lite plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
Holvi 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 Holvi.
