MaCompta.fr vs Qonto: Complete Comparison (2026)
An in-depth comparison of MaCompta.fr and Qonto to help you choose the right tool for your business.
Last updated: November 2026
MaCompta.fr
6.4/10
French online accounting suite covering bookkeeping, invoicing, fixed assets, tax filings and payroll for small businesses, associations and sole traders.
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 | 6.4/10 | 6.4/10 |
| Scalability | 4/10 | 6/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 8/10 | 6/10 |
| Integration | 4/10 | 8/10 |
| Security | 7/10 | 6/10 |
| Support | 6/10 | 5/10 |
| Cost | 9/10 | 6/10 |
| Customization | 4/10 | 5/10 |
| Ease of Use | 7/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €3/mo Immobilisations | €9/mo Basic |
| Estimated cost for 10 users | €25/mo Paie | €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 | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
MaCompta.fr vs Qonto cost by team size
Qonto costs less at 1 user; MaCompta.fr costs less from 5 users.
| Team size | MaCompta.fr | Qonto |
|---|---|---|
| 1 user | €25/moPaie | €9/moBasic |
| 5 users | €25/moPaie | €49/moEssential |
| 10 users | €25/moPaie | €49/moEssential |
| 25 users | €3/moImmobilisations | €49/moEssential |
| 50 users | €3/moImmobilisations | €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 MaCompta.fr
- Lower estimated cost for 10 users: €25/mo 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 4/10)
- Higher Scalability score (6/10 vs 4/10)
Pros & Cons
MaCompta.fr
Pros
- Low entry prices: simplified accounting is 8 euros a month and fixed assets 3 euros a month, excluding VAT
- Built-in French tax filing by EDI for VAT, corporate tax and the liasse fiscale
- Three users included at no extra cost, which makes it easy to invite an accountant
- Validated invoices post straight to the books
- Hosted in France and reported as ISO 27001 certified
Cons
- No stock or inventory management
- Reviewers find the interface dated and the dashboard hard to customize
- Phone support costs extra, and the base support channels are email and chatbot
- Some users report duplicate entries in bank reconciliation
- Built for French rules only and payroll plans are capped at 20 employees
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
MaCompta.fr and Qonto both score 6.4/10 on our Finance Software criteria. The largest gap is in Integration: 4/10 for MaCompta.fr and 8/10 for Qonto.
MaCompta.fr costs less for 10 users: about €25/mo on its Paie plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
No, neither MaCompta.fr nor Qonto lists a free plan.
