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Qonto vs Mercury Comparison (2026)

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Qonto

Mercury

Overview

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.

Mercury delivers modern financial services for startups and small-to-mid sized businesses, combining business accounts, payments, cards, and finance operations in one secure, software‑driven platform.

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

Per month

Free trial available
Credit cardless trial
Free account
Subscription based

Starting from

No pricing info

Free trial available
Credit cardless trial
Free account
Subscription based

User reviews

4.5

275

221

Value for money

Ease of use

Features

Customer support

84%

would recommend this app

4.9

Value for money

Ease of use

Features

Customer support

90%

would recommend this app

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

Pros

“Features like lending options, credit lines, cash deposits, and certain advanced treasury or investment products can be limited or unavailable, which may become a constraint as your business grows.”

Hengyi W.

Founder

“API access to allow us to plug multiple tools into our bank account for a true 360 degree view on the business.”

Brian D.

Co-founder

“the treasury rates are good so good place to park fundraising cash (esp for startups because unlocking good rates often requires high minimum balances and Mercury's limits worked for us).”

Ville K.

CEO

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

Cons

“That said, it is not a full replacement for more advanced financial infrastructure. As the business grows, the lack of deeper reporting, credit products, and more robust financial tools becomes noticeable.”

Felice P.

CEO

“This not only discourages me to continue having a credit card but for a small business like mine, I have to keep a close eye on the cashflow to not default on the minimum balance.”

Sajid I.

CEO

“Lack of support for foreign currencies (GBP in particular for us as we do business in the UK) can make dealing with foreign payments challenging.”

Ville K.

CEO