Qonto vs sevdesk: Complete Comparison (2026)
An in-depth comparison of Qonto and sevdesk to help you choose the right tool for your business.
Last updated: November 2026
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.
sevdesk
6.4/10
Cloud invoicing and bookkeeping software for German freelancers and small businesses, with e-invoicing, bank sync, ELSTER VAT filing and DATEV export.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 6.4/10 |
| Scalability | 6/10 | 4/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 6/10 | 8/10 |
| Integration | 8/10 | 6/10 |
| Security | 6/10 | 6/10 |
| Support | 5/10 | 5/10 |
| Cost | 6/10 | 7/10 |
| Customization | 5/10 | 5/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | €9/mo Basic | €12/mo Rechnung |
| Estimated cost for 10 users | €49/mo Essential | €12/mo Rechnung |
| 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 | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Qonto vs sevdesk cost by team size
sevdesk costs less at every team size we checked.
| Team size | Qonto | sevdesk |
|---|---|---|
| 1 user | €9/moBasic | FreeKostenlos |
| 5 users | €49/moEssential | €12/moRechnung |
| 10 users | €49/moEssential | €12/moRechnung |
| 25 users | €49/moEssential | €12/moRechnung |
| 50 users | €49/moEssential | €12/moRechnung |
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 Qonto
- Higher Scalability score (6/10 vs 4/10)
- Higher Integration score (8/10 vs 6/10)
Why choose sevdesk
- Has a free plan (Qonto does not)
- Lower estimated cost for 10 users: €12/mo vs €49/mo
- Higher Compliance score (8/10 vs 6/10)
- Higher Cost score (7/10 vs 6/10)
Pros & Cons
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.
sevdesk
Pros
- The free plan stays free with no time limit and includes up to 3 e-invoices a month in the ZUGFeRD and XRechnung formats
- VAT pre-returns go straight to the tax office through ELSTER, and EÜR reports are generated automatically
- Reviewers on OMR rate it highly for ease of use and setup, at 90% each, and say beginners can learn it quickly
- Bank connections to more than 4,000 banks match incoming payments to invoices automatically
- Data exports to DATEV and ADDISON, and tax advisors get their own login
Cons
- There is no payroll, so a separate tool is needed for wages
- Some users report unstable bank connections and inaccurate automatic receipt recognition
- Reports are less detailed than in Lexware, and the BWA is only in the most expensive plan
- Some reviewers complain about automatic contract renewal and say early cancellation is hard
- Only one user is included, and each extra user costs 5.90 EUR a month
- It is built around German tax rules, so it fits poorly outside Germany and Austria
Not sold on either?
Frequently Asked Questions
Qonto and sevdesk both score 6.4/10 on our Finance Software criteria. The largest gap is in Compliance: 6/10 for Qonto and 8/10 for sevdesk.
Sevdesk costs less for 10 users: about €12/mo on its Rechnung plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
Sevdesk has a free plan; Qonto does not list one.
