Indy vs Qonto: Complete Comparison (2026)
An in-depth comparison of Indy and Qonto to help you choose the right tool for your business.
Last updated: November 2026
Indy
6.2/10
French accounting app with a free business account, invoicing, and automated tax filings for freelancers, sole traders, small companies, and property holders.
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 | 6.2/10 | 6.4/10 |
| Scalability | 3/10 | 6/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 8/10 | 6/10 |
| Integration | 3/10 | 8/10 |
| Security | 6/10 | 6/10 |
| Support | 7/10 | 5/10 |
| Cost | 9/10 | 6/10 |
| Customization | 4/10 | 5/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €59/mo Autonomie (SAS, SASU, SARL, EURL) | €9/mo Basic |
| Estimated cost for 10 users | Free Essentiel | €49/mo Essential |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Corporate Cards | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Indy vs Qonto cost by team size
Indy costs less at every team size we checked.
| Team size | Indy | Qonto |
|---|---|---|
| 1 user | FreeEssentiel | €9/moBasic |
| 5 users | FreeEssentiel | €49/moEssential |
| 10 users | FreeEssentiel | €49/moEssential |
| 25 users | FreeEssentiel | €49/moEssential |
| 50 users | FreeEssentiel | €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 Indy
- Has a free plan (Qonto does not)
- Lower estimated cost for 10 users: Free vs €49/mo
- Higher Cost score (9/10 vs 6/10)
- Higher Compliance 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
Indy
Pros
- The free plan includes unlimited invoicing, e-invoicing, bank sync, and a business account with a card.
- It pre-fills and e-files French tax returns such as VAT, 2035, CFE, and the liasse fiscale.
- Higher tiers add chartered accountant review, so you can upgrade without changing tools.
- It is rated 4.8 out of 5 on Trustpilot from more than 7,000 reviews, according to Legalstart.
Cons
- It does not run payroll or manage employees.
- It has very few third-party integrations.
- Lower tiers have no phone support; phone access starts with Sérénité.
- It is limited to French legal statuses, and complex bookkeeping such as fixed assets or provisions is poorly handled.
- The business account accepts no cash or cheque deposits.
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 6.2/10 for Indy. The largest gap is in Integration: 3/10 for Indy and 8/10 for Qonto.
Indy costs less for 10 users: free on its Essentiel plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
Indy 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 Indy.
