Qonto vs Zoho Books
Updated June 2026 · A structured head-to-head comparison.
Online accounting for growing businesses.
The verdict
Both Qonto and Zoho Books are credible accounting tools, and the right pick comes down to your priorities.
Choose Qonto if you want a longer free trial (30 days). Business banking for European SMBs.
Choose Zoho Books if you'd rather have a lower starting price (free – $20/mo) and a free plan to start on. Online accounting for growing businesses.
Qonto vs Zoho Books: side by side
| Dimension | Qonto | Zoho Books |
|---|---|---|
| Starting price | From $9/mo | Free – $20/moWinner |
| Free plan | No | YesWinner |
| Free trial | 30 daysWinner | — |
| Pricing model | Subscription | Freemium |
| Best for | Smb, Freelancers | Smb |
| Platforms | Web, Ios, Android | Web, Ios, Android |
| Rating | 4.5/5 | 4.5/5 |
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
Zoho Books key facts
- Vendor
- Zoho
- Pricing
- Freemium — Free – $20/mo
- Free tier
- Yes
- Platforms
- Web, Ios, Android
- Best for
- Smb
- Editor rating
- 4.5 / 5
- Founded
- 2011
- Headquarters
- Chennai, India
Frequently asked questions
Is Qonto better than Zoho Books?
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 Zoho Books cheaper?
Zoho Books is the more affordable of the two to get started, at free – $20/mo. Qonto starts at from $9/mo; Zoho Books starts at free – $20/mo.
Can Qonto replace Zoho Books?
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.