Qonto vs Revolut
NotaPágina localizada automaticamente — títulos, números-chave e categorias em português; as descrições detalhadas e os dados verificados vêm do perfil original em inglês.
Resposta rápidaQonto 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.
Lado a lado
| Qonto | Revolut | |
|---|---|---|
| Categoria | tradicional | híbrido |
| Público | SMB & startups | general |
| Sede | Paris, FR | London, UK |
| Fundado | 2016 | 2015 |
| Custódia | Sob custódia | Sob custódia |
| Tipo de regulação | Licença pendente (hoje modelo parceiro) | Banco licenciado |
| Detalhe da licença | Payment institution (ACPR); pursuing credit license | UK banking license (2024); EU license (Lithuania) |
| Cartão | MC · Business debit | Visa/MC · Debit + credit |
| Cashback | — | Perks by tier |
| Rendimento | — | Savings vaults |
| Spread de câmbio | 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) |
| Serviços | 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 | Não | Sim |
| KYC | Sim | Sim |
| Regiões ativas | Europa | Europa, América do Norte, Oceania, Ásia, América Latina |
| Usuários 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.