Qonto vs Tellow: Complete Comparison (2026)
An in-depth comparison of Qonto and Tellow 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.
Tellow
5.9/10
Dutch bookkeeping app for self-employed workers (zzp'ers). It combines a business account, invoicing, receipt scanning, automatic VAT filing and optional accountant-prepared tax returns.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 5.9/10 |
| Analytics | 5/10 | 4/10 |
| Compliance | 6/10 | 7/10 |
| Cost | 6/10 | 8/10 |
| Customization | 5/10 | 4/10 |
| Ease of Use | 8/10 | 8/10 |
| Integration | 8/10 | 4/10 |
| Scalability | 6/10 | 3/10 |
| Security | 6/10 | 5/10 |
| Support | 5/10 | 7/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | €9/mo Basic | €13/mo Basis |
| Estimated cost for 10 users | €49/mo Essential | Free Gratis |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
Qonto vs Tellow cost by team size
Tellow costs less at every team size we checked.
| Team size | Qonto | Tellow |
|---|---|---|
| 1 user | €9/moBasic | FreeGratis |
| 5 users | €49/moEssential | FreeGratis |
| 10 users | €49/moEssential | FreeGratis |
| 25 users | €49/moEssential | FreeGratis |
| 50 users | €49/moEssential | FreeGratis |
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 Integration score (8/10 vs 4/10)
- Higher Scalability score (6/10 vs 3/10)
- Better fit for small business (9/10 vs 6/10)
- Better fit for enterprise (3/10 vs 1/10)
Why choose Tellow
- Has a free plan (Qonto does not)
- Lower estimated cost for 10 users: Free vs €49/mo
- Higher Cost score (8/10 vs 6/10)
- Higher Support score (7/10 vs 5/10)
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.
Tellow
Pros
- The Plus plan files the VAT return to the Belastingdienst automatically, which saves Dutch freelancers manual tax work.
- The free plan includes a business IBAN and debit card, so very small sole traders can start without paying.
- Trustpilot reviewers (4.3 out of 5 from 156 reviews) often praise fast support, including in English for expats.
- The Compleet plan has accountants prepare and check both the business and private tax returns for a fixed monthly fee.
Cons
- Reviewers report there is no multi-currency or dual-currency bookkeeping.
- Payments from outside the SEPA area were reported as not processed.
- Some users find the mobile app slow to load.
- The free plan is tightly capped at 3 invoices and 20 receipts a month.
- It has no payroll, inventory or multi-entity support, and it is Netherlands-only.
Not sold on either?
Frequently Asked Questions
Qonto scores higher on our Finance Software criteria: 6.4/10 against 5.9/10 for Tellow. The largest gap is in Integration: 8/10 for Qonto and 4/10 for Tellow.
Tellow costs less for 10 users: free on its Gratis plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
Tellow has a free plan; Qonto does not list one.
Qonto is the better fit for small business: we rate it 9/10 for them, against 6/10 for Tellow.
