Qonto vs Revolut
NotePage localisée automatiquement — titres, chiffres clés et catégories en français ; les descriptions détaillées et les données vérifiées proviennent du profil original en anglais.
Réponse courteQonto 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.
Côte à côte
| Qonto | Revolut | |
|---|---|---|
| Catégorie | traditionnelle | hybride |
| Public | SMB & startups | general |
| Siège | Paris, FR | London, UK |
| Fondée | 2016 | 2015 |
| Conservation | En conservation | En conservation |
| Type de régulation | Licence en cours (modèle partenaire aujourd'hui) | Banque agréée |
| Détail de licence | Payment institution (ACPR); pursuing credit license | UK banking license (2024); EU license (Lithuania) |
| Carte | MC · Business debit | Visa/MC · Debit + credit |
| Cashback | — | Perks by tier |
| Rendement | — | Savings vaults |
| Majoration 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) |
| Services | 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 | Non | Oui |
| KYC | Oui | Oui |
| Régions actives | Europe | Europe, Amérique du Nord, Océanie, Asie, Amérique latine |
| Utilisateurs déclarés | — | 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.