Qonto vs ANNA Money
On the standard spending profile, Qonto has the lowest net annual cost (€0). Qonto offers the highest cashback (0%). Pick Qonto if you prioritise simplicity and exchange integration; consider ANNA Money if you prefer a mature custodial ecosystem.
| Qonto | ANNA Money | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.5 | ★ 4.4 |
| FX markup | 2% | 0.5% |
| Cashback | 0% | 0% |
| Annual fee | Free | Free |
| Estimated net annual cost | €0 | €0 |
| Custodial | Custodial | Custodial |
| Network | — | — |
| Regions | EU/EEA | UK |
| Licences & safety | Payment Institution | EMI |
Frequently asked questions
Qonto vs ANNA Money: which is better?
On the standard spending profile, Qonto has the lowest net annual cost (€0). Qonto offers the highest cashback (0%). Pick Qonto if you prioritise simplicity and exchange integration; consider ANNA Money if you prefer a mature custodial ecosystem.
Which is cheaper, Qonto or ANNA Money?
On the standard spending profile Qonto has the lowest net annual cost: €0 versus €0 for ANNA Money.
Is Qonto custodial or self-custody?
Qonto is custodial: funds are held by the platform, while ANNA Money is custodial.
Which is better for spending abroad?
For foreign-currency spending ANNA Money wins, with the lowest FX markup: 0.5%.