Alternatives to Qonto: discover the best options

Why consider an alternative to Qonto?

Qonto’s limitations for professionals

Qonto, while a popular online bank, has limitations that may push professionals to consider other options such as N26, Revolut, Holvi, Anytime or Shine. One of the main restrictions is the limited offering of banking services, especially in terms of credit products. Fast-growing businesses often require business accounts with flexible credit options to support their expansion.

Qonto doesn’t offer a full range of financing solutions, which can be a hindrance for businesses looking to optimize their financial management. Transaction fees, especially for international payments, are another drawback. Businesses operating internationally may find Qonto’s costs high compared to other fintechs like Revolut or N26, which offer more competitive options for cross-border transactions.

Managing currency conversion can also be costly, prompting professionals to explore alternatives that offer more cost-effective solutions for overall financial management. Qonto’s limited compatibility with some financial management software is also a problem. Modern businesses are looking for seamless integrations with their existing systems for efficient management of their business accounts.

Qonto may lack native integrations with accounting or CRM platforms, leading to inefficiencies. Alternatives like Holvi or Shine can offer better interoperability, allowing for increased automation and reduced manual tasks.

The specific needs of businesses in 2025

In 2025, businesses will have increasingly sophisticated banking needs, requiring advanced digital banking solutions. Artificial intelligence and machine learning will transform financial management. Professionals will look for fintechs that can automate financial processes and provide predictive analytics.

Platforms like N26 and Revolut, which integrate these technologies, will be favored to optimize cash management and anticipate trends. Cybersecurity will become a priority. Companies will demand professional accounts with advanced security protocols. Fintechs that invest in strong encryption systems to protect sensitive data will be in the lead. Platforms that comply with international data protection regulations will be sought to avoid sanctions.

Anytime and Shine, with their secure solutions, can meet these requirements. Customization of services will be key. Companies will look for banking services that offer modular features tailored to their specific needs. Platforms like Holvi, offering intuitive user interfaces and customizable reporting tools, will be sought after. This customization will allow companies to optimize their internal processes and improve operational efficiency. Seamless integrations with other business systems will be essential to create unique user experiences.

What are the alternatives to Qonto in 2025?

Shine: an innovative solution for entrepreneurs

By 2025, Shine stands out as a major alternative to Qonto in the field of online banking, particularly for entrepreneurs. Shine offers a professional account that integrates advanced financial management features, offering an intuitive and efficient mobile application. Shine's banking services include automated invoice management, intelligent expense categorization and a customizable dashboard.

These tools allow entrepreneurs to track their financial transactions in real time and optimize their cash flow. Shine, as a fintech, focuses on innovation to simplify the financial management of small businesses. Shine goes beyond traditional banking services by providing personalized support to entrepreneurs. The platform offers tailored tax and legal advice, as well as access to a community of entrepreneurs.

This approach provides Shine users with a support network, which is essential for sharing experiences and best practices. This allows entrepreneurs to effectively navigate regulatory and tax complexities. Shine positions itself alongside other fintechs such as N26, Revolut and Holvi by offering modern banking solutions tailored to the needs of professionals. Security is paramount for Shine, which uses advanced encryption protocols to protect user data.

Transactions are secured by strong authentication systems. Shine also offers responsive and available customer service to address user concerns. With its combination of security, technological innovation and personalized support, Shine presents itself as a solution of choice for entrepreneurs looking for reliable and modern banking services.

Anytime: flexibility and services tailored to professionals

In 2025, Anytime asserts itself as a flexible alternative to Qonto, offering banking services specifically designed for professionals. Anytime offers a variety of business accounts, each tailored to the unique needs of small businesses and freelancers. Anytime's financial management tools include expense tracking and budget planning solutions, allowing for optimal resource management.

As a fintech, Anytime focuses on flexibility to meet the demands of modern professionals. Anytime stands out for its easy integration with other business management tools. Thanks to robust APIs, Anytime enables seamless synchronization with accounting software and customer relationship management (CRM) systems. This interoperability simplifies the centralization of financial operations, reducing the administrative burden.

Users can generate detailed financial reports for informed decision-making. Anytime joins fintechs like N26, Revolut and Holvi in ​​offering innovative banking services tailored to the needs of professionals. Anytime’s payment solutions include customizable business cards and mobile payment options. These services are designed to offer maximum flexibility to professionals, allowing them to manage their financial transactions efficiently. Anytime is committed to providing quality customer support, with advisors available to resolve technical or administrative issues. With its approach focused on flexibility and adaptability, Anytime represents a robust alternative for professionals looking for modern and personalized banking services.

Revolut: an international option for SMEs

Revolut positions itself as an online bank ideal for small and medium-sized enterprises (SMEs) looking to operate internationally. This fintech offers a multi-currency business account, allowing companies to manage transactions in more than 30 currencies, essential for SMEs with partners or customers abroad.

Revolut’s competitive interbank exchange rates reduce the cost of currency conversions, maximising profit margins. The ability to instantly hold and transfer funds between different currency accounts makes international transactions and financial management easier. Revolut’s banking services include advanced financial management tools, giving businesses more control over their finances. SMEs can issue physical and virtual cards to their employees, with customised controls on spending limits and authorised categories.

Every transaction is tracked in real-time via the mobile app, providing complete transparency and minimizing the risk of fraud. Automatic expense categorization and detailed reporting features help analyze expenses and optimize budgets, promoting proactive management.

Revolut also offers payment automation services, simplifying repetitive financial processes. SMEs can set up recurring and scheduled payments, optimising cash flow management. Integrations with third-party accounting tools make it easy to synchronise financial data, ensuring greater compliance with tax obligations. Revolut continues to innovate by regularly adding new features, such as predictive analytics tools and business finance solutions, to meet the evolving needs of modern SMEs.

Security is a priority for Revolut, which implements advanced safeguards to ensure financial data is kept safe. Two-factor authentication, data encryption and real-time monitoring of suspicious activity are key elements of its security strategy. Businesses can set access permissions for users, ensuring strict control over who can manage the company’s finances. This rigorous approach to security builds user trust and protects SMBs’ financial assets.

Comparison of the features of alternatives to Qonto

The business banking market has seen the emergence of several alternatives to Qonto, each bringing distinct features to meet the diverse needs of businesses. Revolut, N26, Holvi, Anytime, and Shine stand out for their unique and innovative offerings. Revolut focuses on international transactions with its multi-currency accounts, while N26 offers a seamless user experience with built-in financial management tools.

Holvi and Anytime provide integrated accounting solutions, while Shine specializes in serving freelancers and small businesses. The differences in expense and payment management are notable between these platforms. Revolut offers corporate card management tools with customizable controls, allowing for real-time monitoring of spending. N26 stands out for its automatic expense categorization and budget tracking features.

Holvi and Anytime focus on simplifying administrative tasks with features like accounting integration and payment tracking. Shine offers banking services tailored to entrepreneurs, optimizing time and resources. In terms of customer support, each Qonto alternative offers varying levels of service. Revolut offers 24/7 multilingual customer support, ensuring continuous assistance for international users. N26 prioritizes fast support via online chat, while Shine offers a personalized approach with dedicated advisors.

Holvi and Anytime focus on supporting small businesses with tailored solutions. These differences can be critical for businesses depending on their priorities and support expectations. Digital banking platforms are constantly evolving to integrate new technologies and meet the growing expectations of businesses. Features such as financial process automation, integration with third-party tools, and predictive analytics are becoming industry standards.

Companies must evaluate these alternatives based on their specific needs, size and growth strategy to choose the most suitable solution. Continued innovations in this sector promise to further improve the efficiency and competitiveness of companies on a global scale.

Banking Services and Account Management

Modern business banking offers a wide range of features that simplify account management and streamline financial operations. Platforms such as Revolut, N26, Holvi, Anytime and Shine offer business accounts that centralize business finances, providing increased visibility into transactions.

These accounts often come with intuitive dashboards that allow you to track cash flow in real time, categorize expenses, and generate detailed financial reports. This centralization is essential to improve operational efficiency and support strategic decision-making. Account management is made easier by the automation of financial processes, a key feature offered by these platforms. Businesses can automate recurring payments, set up alerts for large transactions, and sync their accounts with third-party accounting tools.

This automation reduces the risk of human error and frees up time to focus on higher-value tasks. Integrations with accounting software like QuickBooks or Xero ensure increased compliance with tax obligations and simplify financial management. Account security is a priority for these platforms, which implement advanced safeguards to ensure financial data is secure.

Security features include two-factor authentication, data encryption, and real-time monitoring of suspicious activity. Businesses can also set access permissions for different users, ensuring strict control over who can access and manage the company’s finances. These security measures are essential to protect company assets and build user confidence in digital banking services. In addition, modern banking platforms integrate analytics and reporting tools that provide valuable insights into the company’s financial performance. Businesses can use these tools to identify spending trends, optimize budgets, and improve profitability.

Access to real-time financial data also allows businesses to quickly respond to market changes and adjust their strategies accordingly. These advanced account management features contribute to more efficient financial management and better decision-making for businesses.

Accounting and invoicing tools

Online banks like N26, Revolut, Holvi, Anytime and Shine offer integrated accounting and invoicing tools, enabling optimised financial management for businesses. These solutions integrate easily with existing ERP and CRM systems, ensuring efficient data synchronisation. Automating accounting processes, such as entry and bank reconciliation, reduces errors and improves efficiency. Banking services also offer the ability to import and export data in various formats, making it easier to collaborate with accountants.

Invoice customization is another major focus for fintechs. Businesses should be able to create professional invoices that include their logo and comply with tax regulations. Financial management tools should include features such as tax management, discounts, and late payment penalties. The ability to set up recurring invoices and track payments in real time helps ensure financial health. Automatic notifications for unpaid invoices and payment alerts are key features to improve receivables management.

Data security is paramount for online banking services. Tools must ensure information protection through advanced encryption protocols and measures that comply with international regulations, such as GDPR. Fintechs must offer regular backups and the ability to restore data. Role-based access, allowing permission levels to be defined for each user, strengthens internal security. The user interface must be intuitive, allowing easy navigation without requiring intensive training.

Quality of customer support

The quality of customer support is a key criterion when choosing an online bank for a business account. Banking services like N26, Revolut, Holvi, Anytime, and Shine should offer 24/7 customer support. Businesses should evaluate the responsiveness of the support, checking response times and the ability to resolve issues quickly. Various communication channels, such as live chat, phone support, and email, should be accessible.

Multilingual customer support is an asset for companies operating internationally. The training and expertise of support agents are essential to ensure quality service. Agents must have in-depth knowledge of the fintech’s functionalities and be able to provide relevant technical advice. Companies should ensure that the provider invests in continuous training of its staff. Agent certifications and accreditations are indicators of the quality of support.

Good customer support also includes proactive guidance to optimize the use of financial management tools. Access to self-help resources, such as a comprehensive knowledge base, video tutorials, and user guides, is a valuable complement to direct customer support. These resources allow users to troubleshoot common issues and explore advanced features on their own.

Companies should evaluate the quality and relevance of these resources to ensure that they meet user needs. Setting up community forums or user groups can encourage the exchange of best practices and the sharing of experiences between users.

How to choose the best alternative to Qonto?

Choosing the best Qonto alternative requires an analysis of financial management needs. Businesses should identify essential features, such as bank account management and expense tracking. Solutions like N26, Revolut, Holvi, Anytime, and Shine offer a variety of banking services. An assessment of internal processes and gaps can help determine priorities.

Compatibility with existing IT systems, such as ERP and CRM, should allow for seamless integration. Analyzing feedback from other users is valuable in assessing the reliability of fintechs. Companies should consult online review platforms and participate in discussions on specialized forums. The vendor’s reputation, history, and ability to innovate are indicators of its longevity. Companies should ensure that the vendor has a solid base of satisfied customers and is recognized for its expertise in the banking services sector.

Flexibility of services offered and the ability to evolve with the needs of the business must be there. Companies must ensure that the chosen alternative can adapt to future growth. Cost transparency, quality of customer support and data security are elements to evaluate. By conducting a thorough analysis of these criteria, companies can identify the solution best suited to their specific needs.

Evaluate costs and rates of services

Evaluating the costs and rates of services is crucial when choosing an alternative to Qonto. Businesses should analyze the pricing structure of each online bank, such as N26, Revolut, Holvi, Anytime, and Shine. It is important to compare offers based on the features included to determine the best value for money. Transaction costs, such as transfer or withdrawal fees, should be taken into account to avoid unexpected expenses.

Special attention should be paid to additional fees for specific services. The flexibility of pricing plans is also important. Companies should check whether the provider offers the possibility to easily upgrade or downgrade. Some fintechs offer free trials or money-back guarantees. This option is useful to assess the suitability of the solution for the specific needs of the company.

Businesses should also assess the impact of costs on their overall budget, ensuring that rates are aligned with their financial capacity. Finally, price transparency and the absence of hidden fees are indicators of the reliability of the provider. Businesses should ensure that costs are clearly stated. A thorough analysis of costs and rates, combined with an assessment of the features offered, will allow businesses to choose a Qonto alternative that offers an optimal balance between cost and performance. The potential savings achieved through automation and increased efficiency of financial processes should also be considered.

Consider user interface and customer experience

In the banking sector, especially for an online bank like N26, Revolut, or Holvi, the user interface (UI) and customer experience (UX) are essential elements. The UI of an online bank must be intuitive, allowing users to manage their business account easily. Fintechs like Anytime and Shine focus on creating attractive and functional visual interfaces that facilitate financial management.

A successful UI incorporates visual elements such as clear icons, legible typography, and smooth navigation, which are essential for online banking. The customer experience goes beyond the visual interface, encompassing the entire banking user journey. For business account users, the UX should be optimized to simplify complex banking operations. Fintechs should anticipate user needs, providing financial management tools that specifically cater to entrepreneurs and small businesses.

User testing and journey analysis are crucial to identify friction points and improve the customer experience, ensuring that online banking services are both efficient and satisfying. Seamless integration of UI and UX is crucial to building customer loyalty in the fintech sector. An attractive user interface initially attracts customers, but it is the overall customer experience that keeps them loyal to an online banking platform.

Online banks like N26, Revolut, and Shine must continually evaluate and adjust their UI/UX strategies to stay competitive. By adapting their services to technological developments and changing user expectations, they can strengthen their position in the digital banking market.

Analyze user reviews and testimonials

Analyzing user reviews and testimonials is crucial for online banks and fintechs like N26, Revolut, and Holvi. This feedback provides valuable insights into the perception of banking services and financial management. Online reviews help identify strengths and weaknesses in the services offered.

For business accounts, it is essential to understand the specific needs of users through their testimonials. The use of semantic analysis tools makes it possible to process large volumes of textual data and extract meaningful trends. User testimonials are a strategic resource for improving online banking services. By analyzing comments, fintechs can detect opportunities for innovation and adjust their offers to meet customer expectations.

Positive testimonials can build credibility for platforms like Anytime and Shine, while constructive criticism offers opportunities for improvement. Systematic review analysis helps prioritize developments and ensure online banking services remain competitive and relevant to business account users. Actively managing reviews means responding to comments and showing that feedback is being taken into account.

This improves customer relationships and can turn negative experiences into loyalty opportunities. Fintechs must monitor the evolution of reviews to assess the impact of improvements to banking services. Continuous analysis of reviews and testimonials is a powerful tool to optimize user financial management and strengthen the market position of online banks. By integrating this feedback into their strategy, platforms like N26, Revolut, and Holvi can improve customer satisfaction and drive sustainable growth.