Qonto vs Revolut
NotaPagina localizzata automaticamente — titoli, dati chiave e categorie in italiano; le descrizioni dettagliate e i dati verificati provengono dal profilo originale in inglese.
Risposta 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.
Confronto diretto
| Qonto | Revolut | |
|---|---|---|
| Categoria | tradizionale | ibrida |
| Pubblico | SMB & startups | general |
| Sede | Paris, FR | London, UK |
| Fondata | 2016 | 2015 |
| Custodia | In custodia | In custodia |
| Tipo di regolamentazione | Licenza in attesa (oggi modello partner) | Banca autorizzata |
| Dettaglio licenza | Payment institution (ACPR); pursuing credit license | UK banking license (2024); EU license (Lithuania) |
| Carta | MC · Business debit | Visa/MC · Debit + credit |
| Cashback | — | Perks by tier |
| Rendimento | — | Savings vaults |
| Maggiorazione 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) |
| Servizi | 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 |
| Stablecoin | No | Sì |
| KYC | Sì | Sì |
| Regioni attive | Europa | Europa, Nord America, Oceania, Asia, America Latina |
| Utenti dichiarati | — | 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.