Pleo vs Qonto Comparison
Compare Pleo vs Qonto features, pricing, and more.
Last updated: November 2026
Pleo
6.8/10
Pleo is a European spend management platform that gives small and mid-sized businesses company cards, receipt capture, reimbursements and supplier invoice payments.
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 | 6.8/10 | 6.4/10 |
| Analytics | 6/10 | 5/10 |
| Compliance | 7/10 | 6/10 |
| Cost | 6/10 | 6/10 |
| Customization | 6/10 | 5/10 |
| Ease of Use | 9/10 | 8/10 |
| Integration | 7/10 | 8/10 |
| Scalability | 6/10 | 6/10 |
| Security | 7/10 | 6/10 |
| Support | 5/10 | 5/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | £8/user/mo Start | €9/mo Basic |
| Estimated cost for 10 users | £80/mo Start | €49/mo Essential |
| Features | ||
| Accounts Payable | ||
| Corporate Cards | ||
| Expense Management | ||
| Accountant Access | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| General Ledger | Not listed | |
| Invoicing | Not listed | |
| Multi-currency | Not listed | |
| Payroll | Not listed | |
Pleo vs Qonto cost by team size
| Team size | Pleo | Qonto |
|---|---|---|
| 1 user | £8/moStart | €9/moBasic |
| 5 users | £40/moStart | €49/moEssential |
| 10 users | £80/moStart | €49/moEssential |
| 25 users | £200/moStart | €49/moEssential |
| 50 users | £400/moStart | €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 Pleo
- Higher Analytics score (6/10 vs 5/10)
- Higher Compliance score (7/10 vs 6/10)
Why choose Qonto
- Higher Integration score (8/10 vs 7/10)
Pros & Cons
Pleo
Pros
- G2 reviewers praise the card and receipt-capture app as easy for employees to use, and Pleo holds a 4.7 rating across roughly 1,400 G2 reviews.
- Per-user list prices are published, starting at £8 per user per month.
- Native accounting integrations cover Xero, QuickBooks, NetSuite, FreeAgent, Xledger and Twinfield.
- SAML SSO is included even on the entry Start plan.
- The UK entity is authorised by the FCA, and cards are issued under a Mastercard licence.
Cons
- Build and Optimise are billed yearly and require at least three users.
- Transaction charges such as FX fees of up to 2 percent and per-payment fees add to the subscription cost.
- Live chat support is only included on Optimise, and Trustpilot reviewers complain about slow support.
- Some reviewers report weak coverage and support in the US.
- It is not an accounting system and has no general ledger, customer invoicing or payroll.
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
Pleo scores higher on our Finance Software criteria: 6.8/10 against 6.4/10 for Qonto. The largest gap is in Analytics: 6/10 for Pleo and 5/10 for Qonto.
No, neither Pleo nor Qonto lists a free plan.
