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Moss vs Qonto Comparison (2026)

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Moss

Qonto

Overview

Moss is an expense management software that enables employees to spend in a decentralized way, giving finance managers complete visibility and control in real-time. By automating and digitizing spend, Moss frees finance teams from administrative tasks.

Qonto is the leading European business finance solution with over 450,000 customers. The company makes day-to-day banking easier for SMEs and freelancers by offering an online business account combined with finance tools, such as invoicing, bookkeeping, and spend management.

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Video & Screenshots

No videos yet

Pricing

Starting from

No pricing info

Free trial available
Credit cardless trial
Free account
Subscription based

Starting from

Per month

Free trial available
Credit cardless trial
Free account
Subscription based

User reviews

4.9

234

205

Value for money

Ease of use

Features

Customer support

96%

would recommend this app

4.5

275

221

Value for money

Ease of use

Features

Customer support

84%

would recommend this app

Pros

“The card spending controls are pretty customisable, and we've used pretty much all the different card types for different use cases (virtual, physical, merchant cards, one time project cards).”

Charlotte P.

Head of Finance

“Worth being aware that the system doesn't really support policing limits on individual purchases (eg £X for dinner or hotel) so you need to use the other control features it has such as the approval workflow for expenses, and card spending controls for cards.”

Charlotte P.

Head of Finance

“It has made our processes much for managing company cards and capturing the receipt information so easy, that there is no excuse for them to go missing.”

Barnaby G.

Chief Product Officer

Pros

“perfect UI, perfect API, a lot of new features to make a all in one solution for bank and invoicing for small and medium company”

Hugo G.

Developer, admin

“Allows me, as an USA citizen to have an account”

David S.

Owner

“The interface is beautiful and fluid — one of the most elegant neobank apps on the market.”

Cameron M.

CEO

Cons

“Unable to edit accounting details from the APP in the approval flow.”

Julian C.

Accounts Payable

“The per Diems are not updated or reflect the actual price scenarios for some cities, and that don't give too much room at the moment of the reporting.”

Pedro A.

SCM and Quality Operations Manager

“I guess sometimes if you're struggling for internet signal, it can sort of hold you up or doesn't upload properly.”

Matthew G.

Global Privacy Officer

Cons

“The platform has frequent glitches that disrupt basic operations, and the fee structure isn't transparent—every international transaction adds up fast. When Qonto mistakenly charged me for both annual and monthly subscriptions simultaneously, their support was slow to acknowledge their own mistake.”

Polina E.

Co-founder and Head of Growth

“Unreliable software that feels unfinished, massive hidden fees on non-EU transactions (hundreds of euros monthly), and unhelpful customer support that took days to resolve their own billing error when they double-charged me.”

Polina E.

Co-founder and Head of Growth

“I don't like that there are fees on cash withdrawals and fees on foreign currency transactions on my charge card”

David S.

Owner