Qonto vs Shine
NotaPágina localizada automáticamente: títulos, cifras clave y categorías en español; las descripciones detalladas y los datos verificados provienen del perfil original en inglés.
Respuesta breveBoth 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.
Comparación directa
| Qonto | Shine | |
|---|---|---|
| Categoría | tradicional | tradicional |
| Público | SMB & startups | freelancers & creators |
| Sede | Paris, FR | Paris, FR |
| Fundada | 2016 | 2017 |
| Custodia | Con custodia | Con custodia |
| Tipo de regulación | Licencia en trámite (hoy modelo asociado) | Entidad de pago |
| Detalle de licencia | Payment institution (ACPR); pursuing credit license | Payment institution (ACPR n°71758, France); funds safeguarded at Société Générale |
| Tarjeta | MC · Business debit | MC · Business debit |
| Cashback | — | — |
| Rendimiento | — | — |
| Margen de FX | Entry card 2% on non-EUR card payments; Plus 1%; X plan 0% (business only) (2026-07) | — |
| Servicios | fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., virtual cards | — |
| Stablecoins | No | No |
| KYC | Sí | Sí |
| Regiones activas | Europa | Europa |
| Usuarios declarados | — | — |
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.