Qonto vs Revolut
NotaPágina localizada automáticamente: títulos, cifras clave y categorías en español; las descripciones detalladas y los datos verificados provienen del perfil original en inglés.
Respuesta breveQonto 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.
Comparación directa
| Qonto | Revolut | |
|---|---|---|
| Categoría | tradicional | híbrido |
| Público | SMB & startups | general |
| Sede | Paris, FR | London, UK |
| Fundada | 2016 | 2015 |
| Custodia | Con custodia | Con custodia |
| Tipo de regulación | Licencia en trámite (hoy modelo asociado) | Banco autorizado |
| Detalle de licencia | Payment institution (ACPR); pursuing credit license | UK banking license (2024); EU license (Lithuania) |
| Tarjeta | MC · Business debit | Visa/MC · Debit + credit |
| Cashback | — | Perks by tier |
| Rendimiento | — | Savings vaults |
| Margen de FX | 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) |
| Servicios | 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 | No | Sí |
| KYC | Sí | Sí |
| Regiones activas | Europa | Europa, América del Norte, Oceanía, Asia, América Latina |
| Usuarios declarados | — | 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.