Qonto vs Revolut
short answerQonto 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.
Qonto: 500K+ SME clients across FR/DE/ES/IT.
Revolut: 50M+ users; crypto trading; stablecoin in FCA sandbox 2026.
Side by side
| Qonto | Revolut | |
|---|---|---|
| Category | traditional | hybrid |
| Audience | SMB & startups | general |
| HQ | Paris, FR | London, UK |
| Founded | 2016 | 2015 |
| Custody | Custodial | Custodial |
| Regulation | License pending (partner model today) | Licensed bank |
| License detail | Payment institution (ACPR); pursuing credit license | UK banking license (2024); EU license (Lithuania) |
| Card | MC · Business debit | Visa/MC · Debit + credit |
| Cashback | — | Perks by tier |
| Yield | — | Savings vaults |
| FX markup | 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 | No | Yes |
| KYC | Yes | Yes |
| Regions | Europe | Europe, North America, Oceania, Asia, Latin America |
| Reported users | — | 50M customers (2025) |
go deeperFull profiles: Qonto · Revolut — 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.