Lexware Office vs Qonto Comparison
Compare Lexware Office vs Qonto features, pricing, and more.
Last updated: November 2026
Lexware Office
6.7/10
A German cloud tool for bookkeeping, invoicing, receipt capture, VAT filing and optional payroll, made for freelancers and small businesses.
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 | 6.7/10 | 6.4/10 |
| Scalability | 4/10 | 6/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 8/10 | 6/10 |
| Integration | 7/10 | 8/10 |
| Security | 7/10 | 6/10 |
| Support | 6/10 | 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 | €8/mo S | €9/mo Basic |
| Estimated cost for 10 users | €8/mo S | €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 | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Lexware Office vs Qonto cost by team size
Lexware Office costs less at every team size we checked.
| Team size | Lexware Office | Qonto |
|---|---|---|
| 1 user | €8/moS | €9/moBasic |
| 5 users | €8/moS | €49/moEssential |
| 10 users | €8/moS | €49/moEssential |
| 25 users | €8/moS | €49/moEssential |
| 50 users | €8/moS | €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 Lexware Office
- Lower estimated cost for 10 users: €8/mo vs €49/mo
- Higher Compliance score (8/10 vs 6/10)
- Higher Cost score (8/10 vs 6/10)
Why choose Qonto
- Higher Scalability score (6/10 vs 4/10)
- Higher Analytics score (5/10 vs 4/10)
Pros & Cons
Lexware Office
Pros
- Users on OMR Reviews and testers on Experte.de describe receipt scanning and bank matching as fast and easy to set up.
- Creates ZUGFeRD and XRechnung e-invoices and files VAT returns directly to ELSTER.
- Every plan can be cancelled monthly, and users are unlimited according to Für-Gründer.
- Tax advisor access and DATEV export make it easy to hand the books to an accountant.
- An optional payroll add-on handles social security and tax filings for up to 50 employees.
Cons
- Invoices can only be issued in euros.
- Cannot manage several companies, and has no approval workflow and no cost-centre reporting.
- Bookkeeping and VAT returns need the L plan, and recurring features need higher tiers.
- Users report bank connections that drop and support that is hard to reach by phone.
- There is no postal invoice sending and no built-in time tracking.
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
Lexware Office scores higher on our Finance Software criteria: 6.7/10 against 6.4/10 for Qonto. The largest gap is in Compliance: 8/10 for Lexware Office and 6/10 for Qonto.
Lexware Office costs less for 10 users: about €8/mo on its S plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
No, neither Lexware Office nor Qonto lists a free plan.
