Kashoo vs Qonto: Complete Comparison (2026)
An in-depth comparison of Kashoo and Qonto to help you choose the right tool for your business.
Last updated: November 2026
Kashoo
5.8/10
Kashoo is cloud double-entry accounting software for small businesses and sole proprietors. It covers invoicing, bank feeds, sales tax tracking and reports, all on a single flat-priced plan.
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 | 5.8/10 | 6.4/10 |
| Scalability | 3/10 | 6/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 5/10 | 6/10 |
| Integration | 4/10 | 8/10 |
| Security | 6/10 | 6/10 |
| Support | 7/10 | 5/10 |
| Cost | 8/10 | 6/10 |
| Customization | 4/10 | 5/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | $30/mo Kashoo | €9/mo Basic |
| Estimated cost for 10 users | $30/mo Kashoo | €49/mo Essential |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
Kashoo vs Qonto cost by team size
| Team size | Kashoo | Qonto |
|---|---|---|
| 1 user | $30/moKashoo | €9/moBasic |
| 5 users | $30/moKashoo | €49/moEssential |
| 10 users | $30/moKashoo | €49/moEssential |
| 25 users | $30/moKashoo | €49/moEssential |
| 50 users | $30/moKashoo | €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 Kashoo
- Higher Support score (7/10 vs 5/10)
- Higher Cost score (8/10 vs 6/10)
Why choose Qonto
- Higher Integration score (8/10 vs 4/10)
- Higher Scalability score (6/10 vs 3/10)
Pros & Cons
Kashoo
Pros
- A single 30 USD monthly plan includes every feature, with unlimited users, invoices and attachments.
- Accountants and staff can be invited at no extra cost, each with their own access level.
- Bank connections use Plaid, so Kashoo never receives your bank credentials, and CSV and OFX imports are also supported.
- Reviewers say non-accountants find it easy to learn, and they praise customer service.
Cons
- It has fewer integrations than larger competitors, which reviewers say made them hesitant to commit.
- Every additional business needs its own subscription, and there is no consolidation across businesses.
- Payroll depends on the third-party PaymentEvolution integration rather than a built-in feature.
- It lacks the advanced accounting features and budgeting tools found in larger suites.
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 5.8/10 for Kashoo. The largest gap is in Integration: 4/10 for Kashoo and 8/10 for Qonto.
No, neither Kashoo nor Qonto lists a free plan.
