Qonto vs Shine
NotaPagina localizzata automaticamente — titoli, dati chiave e categorie in italiano; le descrizioni dettagliate e i dati verificati provengono dal profilo originale in inglese.
Risposta 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.
Confronto diretto
| Qonto | Shine | |
|---|---|---|
| Categoria | tradizionale | tradizionale |
| Pubblico | SMB & startups | freelancers & creators |
| Sede | Paris, FR | Paris, FR |
| Fondata | 2016 | 2017 |
| Custodia | In custodia | In custodia |
| Tipo di regolamentazione | Licenza in attesa (oggi modello partner) | Istituto di pagamento |
| Dettaglio licenza | Payment institution (ACPR); pursuing credit license | Payment institution (ACPR n°71758, France); funds safeguarded at Société Générale |
| Carta | MC · Business debit | MC · Business debit |
| Cashback | — | — |
| Rendimento | — | — |
| Maggiorazione FX | Entry card 2% on non-EUR card payments; Plus 1%; X plan 0% (business only) (2026-07) | — |
| Servizi | fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., virtual cards | — |
| Stablecoin | No | No |
| KYC | Sì | Sì |
| Regioni attive | Europa | Europa |
| Utenti dichiarati | — | — |
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.