Qonto vs Wave
Updated June 2026 · A structured head-to-head comparison.
The verdict
Both Qonto and Wave are credible accounting tools, and the right pick comes down to your priorities.
Choose Qonto if you want a longer free trial (30 days) and a higher overall rating (4.5/5). Business banking for European SMBs.
Choose Wave if you'd rather have a lower starting price (free – $16/mo) and a free plan to start on. Free accounting and invoicing for small business.
Qonto vs Wave: side by side
| Dimension | Qonto | Wave |
|---|---|---|
| Starting price | From $9/mo | Free – $16/moWinner |
| Free plan | No | YesWinner |
| Free trial | 30 daysWinner | — |
| Pricing model | Subscription | Freemium |
| Best for | Smb, Freelancers | Freelancers, Micro Business |
| Platforms | Web, Ios, Android | Web, Ios, Android |
| Rating | 4.5/5Winner | 4.3/5 |
Qonto key facts
- Vendor
- Qonto
- Pricing
- Subscription — From $9/mo
- Free tier
- Free trial (30 days)
- Platforms
- Web, Ios, Android
- Best for
- Smb, Freelancers
- Editor rating
- 4.5 / 5
- Founded
- 2016
- Headquarters
- Paris, France
Wave key facts
- Vendor
- Wave
- Pricing
- Freemium — Free – $16/mo
- Free tier
- Yes
- Platforms
- Web, Ios, Android
- Best for
- Freelancers, Micro Business
- Editor rating
- 4.3 / 5
- Founded
- 2010
- Headquarters
- Toronto, Canada
Frequently asked questions
Is Qonto better than Wave?
Neither is universally better — Qonto edges ahead on overall rating, but the best choice depends on price, platforms, and your use case. See the side-by-side table above.
Is Qonto or Wave cheaper?
Wave is the more affordable of the two to get started, at free – $16/mo. Qonto starts at from $9/mo; Wave starts at free – $16/mo.
Can Qonto replace Wave?
Yes for most teams — both are accounting tools with heavily overlapping features. The main trade-offs are pricing and platform support, covered in the comparison above.