Qonto vs Finom

traditional vs traditional · from the open dataset of 357 tracked neobanks · no affiliate links, ever

Qonto: 500K+ SME clients across FR/DE/ES/IT.

Finom: SMB/freelancer banking across the EU.

Side by side

	Qonto	Finom
Category	traditional	traditional
Audience	SMB & startups	SMB & startups
HQ	Paris, FR	Amsterdam, NL
Founded	2016	2019
Custody	Custodial	Custodial
Regulation	Licence pending (partner model today)	Unclassified
Licence detail	Payment institution (ACPR); pursuing credit licence	—
Card	MC · Business debit	Visa · Business debit
Cashback	—	Up to 3%
Yield	—	—
Stablecoins	No	No
KYC	Yes	Yes
Regions	Europe	Europe
Reported users	—	—

go deeperFull profiles: Qonto · Finom — or run your own comparison of up to four in the directory.

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.