Qonto vs ZipBooks: Complete Comparison (2026)
An in-depth comparison of Qonto and ZipBooks 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.
ZipBooks
5.6/10
Cloud accounting software for small businesses and freelancers, with invoicing, payments, bank feeds, reconciliation and reporting, and a free starter plan.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 5.6/10 |
| Scalability | 6/10 | 3/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 6/10 | 4/10 |
| Integration | 8/10 | 4/10 |
| Security | 6/10 | 6/10 |
| Support | 5/10 | 5/10 |
| Cost | 6/10 | 9/10 |
| Customization | 5/10 | 4/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | €9/mo Basic | $15/mo Smarter |
| Estimated cost for 10 users | €49/mo Essential | Free Starter |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Online Payments | Not listed | |
Qonto vs ZipBooks cost by team size
| Team size | Qonto | ZipBooks |
|---|---|---|
| 1 user | €9/moBasic | $15/moSmarter |
| 5 users | €49/moEssential | $15/moSmarter |
| 10 users | €49/moEssential | FreeStarter |
| 25 users | €49/moEssential | FreeStarter |
| 50 users | €49/moEssential | FreeStarter |
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)
Why choose ZipBooks
- Has a free plan (Qonto does not)
- Higher Cost score (9/10 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.
ZipBooks
Pros
- The free Starter plan includes unlimited invoices, customers and vendors.
- Recurring invoices with auto-billing and automated reminders are available from the 15 per month tier.
- Reviewers say new staff can pick up the interface quickly.
- Bank and card transactions sync daily and are auto-categorized for reconciliation.
- Paid tiers cost less than QuickBooks, which reviewers cite as a reason for switching.
Cons
- Reviewers report limited reporting and customization options.
- No inventory or mileage tracking.
- Reconciliation and book locking are reserved for the 35 per month Sophisticated tier.
- Some users report slow support responses.
- A very small company, estimated at about four employees.
Not sold on either?
Frequently Asked Questions
Qonto scores higher on our Finance Software criteria: 6.4/10 against 5.6/10 for ZipBooks. The largest gap is in Integration: 8/10 for Qonto and 4/10 for ZipBooks.
ZipBooks has a free plan; Qonto does not list one.
