Qonto vs Revolut
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KurzantwortQonto is a traditional neobank and Revolut is hybrid. Qonto is built for SMB & startups; Revolut holds its own banking license and is the larger platform (~50M users). Compare custody, license, FX markup and fees field by field below.
Gegenüberstellung
| Qonto | Revolut | |
|---|---|---|
| Kategorie | traditionell | hybrid |
| Zielgruppe | SMB & startups | general |
| Hauptsitz | Paris, FR | London, UK |
| Gegründet | 2016 | 2015 |
| Verwahrung | Verwahrt | Verwahrt |
| Regulierungstyp | Lizenz beantragt (derzeit Partnermodell) | Lizenzierte Bank |
| Lizenzdetail | Payment institution (ACPR); pursuing credit license | UK banking license (2024); EU license (Lithuania) |
| Karte | MC · Business debit | Visa/MC · Debit + credit |
| Cashback | — | Perks by tier |
| Rendite | — | Savings vaults |
| FX-Aufschlag | Entry card 2% on non-EUR card payments; Plus 1%; X plan 0% (business only) (2026-07) | Interbank rate; free to £/$1,000/mo on weekdays, 0.5% over; +1% weekend markup (2026-07) |
| Dienste | fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., virtual cards | crypto on-ramp, crypto off-ramp, fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., multi-currency hold, virtual cards, crypto-settled card |
| Stablecoins | Nein | Ja |
| KYC | Ja | Ja |
| Aktive Regionen | Europa | Europa, Nordamerika, Ozeanien, Asien, Lateinamerika |
| Gemeldete Nutzer | — | 50M customers (2025) |
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.