Qonto vs bunq Business
On the standard spending profile, Qonto has the lowest net annual cost (€0). bunq Business offers the highest cashback (2%). Pick Qonto if you prioritise simplicity and exchange integration; consider bunq Business if you prefer a mature custodial ecosystem.
| Qonto | bunq Business | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.5 | ★ 4.4 |
| FX markup | 2% | 0.5% |
| Cashback | 0% | 2% |
| Annual fee | Free | Free |
| Estimated net annual cost | €0 | €96 |
| Custodial | Custodial | Custodial |
| Network | — | — |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Payment Institution | Full Banking License |
Frequently asked questions
Qonto vs bunq Business: which is better?
On the standard spending profile, Qonto has the lowest net annual cost (€0). bunq Business offers the highest cashback (2%). Pick Qonto if you prioritise simplicity and exchange integration; consider bunq Business if you prefer a mature custodial ecosystem.
Which is cheaper, Qonto or bunq Business?
On the standard spending profile Qonto has the lowest net annual cost: €0 versus €96 for bunq Business.
Which offers more cashback, Qonto or bunq Business?
bunq Business has the highest cashback: up to 2%. Note the top rate often requires token staking and is subject to spending caps.
Is Qonto custodial or self-custody?
Qonto is custodial: funds are held by the platform, while bunq Business is custodial.
Which is better for spending abroad?
For foreign-currency spending bunq Business wins, with the lowest FX markup: 0.5%.