Qonto vs Shine
HinweisAutomatisch lokalisierte Seite — Überschriften, Kennzahlen und Kategorien auf Deutsch; die ausführlichen Beschreibungen und die verifizierten Quelldaten stammen aus dem englischen Originalprofil.
KurzantwortBoth are traditional neobanks. Qonto is built for SMB & startups; Shine is built for freelancers & creators. Compare custody, license, FX markup and fees field by field below.
Gegenüberstellung
| Qonto | Shine | |
|---|---|---|
| Kategorie | traditionell | traditionell |
| Zielgruppe | SMB & startups | freelancers & creators |
| Hauptsitz | Paris, FR | Paris, FR |
| Gegründet | 2016 | 2017 |
| Verwahrung | Verwahrt | Verwahrt |
| Regulierungstyp | Lizenz beantragt (derzeit Partnermodell) | Zahlungsinstitut |
| Lizenzdetail | Payment institution (ACPR); pursuing credit license | Payment institution (ACPR n°71758, France); funds safeguarded at Société Générale |
| Karte | MC · Business debit | MC · Business debit |
| Cashback | — | — |
| Rendite | — | — |
| FX-Aufschlag | Entry card 2% on non-EUR card payments; Plus 1%; X plan 0% (business only) (2026-07) | — |
| Dienste | fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., virtual cards | — |
| Stablecoins | Nein | Nein |
| KYC | Ja | Ja |
| Aktive Regionen | Europa | Europa |
| Gemeldete Nutzer | — | — |
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.