Qonto vs Anytime
On the standard spending profile Qonto is cheaper: €0 net per year versus €114 for Anytime. For spending abroad FX markup matters, and Anytime does better (1.8% vs 2%). In our editorial rating Qonto leads (4.5 vs 4.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Qonto and Anytime.
| Qonto | Anytime | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.5 | ★ 4.0 |
| Estimated net annual cost | €0 | €114 |
| Account fee | Free | €10 |
| IBAN | dedicato · FR, DE, IT, ES | dedicato · FR, BE |
| Multi-currency | No (single currency) | No (single currency) |
| Outbound transfers to third-party IBANs | Yes | Yes |
| Utility direct billing | Yes | No |
| SEPA direct debit (SDD) | Yes | Yes |
| On-chain crypto withdrawal | No | No |
| SEPA transfer | Free | €0 |
| Interest on balance | 2% | 0% |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | EEA · 6+ countries | EEA · 5+ countries |
| Regulator | ACPR | ACPR (Francia) + Banca Nazionale del Belgio |
| Segment | B2B | B2B |
| OAM Italy registration | — | No |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Payment Institution | Agente di Treezor (Payment Institution, ACPR — Francia), Agente di PPS EU SA (Electronic Money Institution, Banca Nazionale del Belgio) |
Frequently asked questions
Qonto vs Anytime: which is better?
On the standard spending profile Qonto is cheaper: €0 net per year versus €114 for Anytime. For spending abroad FX markup matters, and Anytime does better (1.8% vs 2%). In our editorial rating Qonto leads (4.5 vs 4.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Qonto and Anytime.
Which is cheaper, Qonto or Anytime?
On the standard spending profile Qonto has the lowest net annual cost: €0 versus €114 for Anytime.
Is Qonto custodial or self-custody?
Qonto is custodial: funds are held by the platform, while Anytime is custodial.
Which is better for spending abroad?
For foreign-currency spending Anytime wins, with the lowest FX markup: 1.8%.