Soldo vs Qonto
On the standard spending profile, Qonto has the lowest net annual cost (€0). Soldo offers the highest cashback (0%). Pick Soldo if you prioritise simplicity and exchange integration; consider Qonto if you prefer a mature custodial ecosystem.
| Soldo | Qonto | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.6 | ★ 4.5 |
| FX markup | 1.5% | 2% |
| Cashback | 0% | 0% |
| Annual fee | Free | Free |
| Estimated net annual cost | — | €0 |
| Custodial | Custodial | Custodial |
| Network | — | — |
| Regions | UK | EU/EEA |
| Licences & safety | EMI | Payment Institution |
Frequently asked questions
Soldo vs Qonto: which is better?
On the standard spending profile, Qonto has the lowest net annual cost (€0). Soldo offers the highest cashback (0%). Pick Soldo if you prioritise simplicity and exchange integration; consider Qonto if you prefer a mature custodial ecosystem.
Which is cheaper, Soldo or Qonto?
On the standard spending profile Qonto has the lowest net annual cost: €0 versus — for Soldo.
Is Soldo custodial or self-custody?
Soldo is custodial: funds are held by the platform, while Qonto is custodial.
Which is better for spending abroad?
For foreign-currency spending Soldo wins, with the lowest FX markup: 1.5%.