Qonto vs Xero
Updated June 2026 · A structured head-to-head comparison.
The verdict
Both Qonto and Xero are credible accounting tools, and the right pick comes down to your priorities.
Choose Qonto if you want a lower starting price (from $9/mo) and a higher overall rating (4.5/5). Business banking for European SMBs.
Xero — Beautiful accounting software.
Qonto vs Xero: side by side
| Dimension | Qonto | Xero |
|---|---|---|
| Starting price | From $9/moWinner | From $29/mo |
| Free plan | No | No |
| Free trial | 30 days | 30 days |
| Pricing model | Subscription | Subscription |
| Best for | Smb, Freelancers | Smb, International |
| 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
Xero key facts
- Vendor
- Xero Limited
- Pricing
- Subscription — From $29/mo
- Free tier
- Free trial (30 days)
- Platforms
- Web, Ios, Android
- Best for
- Smb, International
- Editor rating
- 4.3 / 5
- Founded
- 2006
- Headquarters
- Wellington, New Zealand
Frequently asked questions
Is Qonto better than Xero?
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 Xero cheaper?
Qonto is the more affordable of the two to get started, at from $9/mo. Qonto starts at from $9/mo; Xero starts at from $29/mo.
Can Qonto replace Xero?
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.