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Temenos vs Qonto Comparison (2026)

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Qonto logo

Qonto

Overview

Loan origination software helping lenders automate decisions, accelerate approvals, and improve borrower experiences.

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
  • 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

Video & Screenshots

Pricing

Starting from

Empty state illustration for "No pricing info"

No pricing info

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

Starting from

9

Per month

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

User reviews

4.4

69

5

4

3

2

1

38

26

3

0

2

  • Value for money
  • Ease of use
  • Features
  • Customer support
76%
would recommend this app

4.5

275

5

4

3

2

1

221

24

3

8

19

  • Value for money
  • Ease of use
  • Features
  • Customer support
84%
would recommend this app

Pros

“Transact is the best solution for Core Banking, and it can help save time when deploying products and exposing APIs.”
MT

Manh T.

Head of System Integration

“The tool has a number of menu options that helps in management of accounts from opening to closure.”
RC

Roberta C.

Human Resource Manager

“Highly scalable, secure and refined core banking system with global presence and industry recognition.”
HA

Haithem A.

CIO

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”
Verified reviewer profile picture

Hugo G.

Developer, admin

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

David S.

Owner

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

Cameron M.

CEO

Cons

“some of the issues still not fixed across all the T24 releases, we still facing the daily STMT entries overwritten since R09 till R20”
AF

Ahmed F.

Core banking Manager

“Release notes of core update is not clarifying the issue clearly”
ME

Mona E.

Core Banking Application Manager

“Too many complicated framework need trainings”
MT

Manh T.

Head of System Integration

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.”
PE

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.”
PE

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”
DS

David S.

Owner

  • Vendor responds to reviews
  • Last reviewa year ago
  • Vendor responds to reviews
  • Last review17 days ago

Key features

  • Total features145
  • ACH Payment Processing
  • API
  • ATM Management
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Activity Dashboard
  • Activity Tracking
  • Alerts/Escalation
  • Alerts/Notifications
  • Amortization Schedule
  • Audit Management
  • Audit Trail
  • Authentication
  • Auto Loans
  • Automated Decisioning/Underwriting
  • Automatic Funds Distribution
  • Background Screening
  • Behavior Tracking
  • Behavioral Analytics
  • Borrower Management
  • Business Loans
  • Case Management
  • Cash Flow Management
  • Cash Management
  • Chat/Messaging
  • Client Management
  • Client Portal
  • Cloud-Based - Digital Banking Platforms
  • Collateral Tracking
  • Communication Management
  • Compliance Management
  • Compliance Tracking
  • Comply with Financial Regulations
  • Construction Loans
  • Contact Management
  • Core Banking
  • Corporate Banking
  • Corporate Card
  • Credit Risk Management
  • Credit Union
  • Customer Accounts
  • Customer Database
  • Customer Experience Management
  • Customer Management
  • Customizable Branding
  • Customizable Reports
  • Customizable Templates
  • Dashboard
  • Data Capture and Transfer
  • Data Import/Export
  • Data Management
  • Data Security
  • Data Visualization
  • Debt Management
  • Debt and Investments
  • Derivative Valuation
  • Digital Wallet Payments
  • Document Management
  • Document Storage
  • Document Templates
  • Electronic Payments
  • Electronic Signature
  • Electronic Statements
  • Escrow Management
  • Expense Tracking
  • Financial Management
  • Financial Risk Reporting
  • Forecasting
  • Fraud Detection
  • Generative AI
  • Identity Verification
  • In-Person Payments
  • Interest Rate Risks
  • Investigation Management
  • Investment Banking
  • Investor Management
  • Invoice Management
  • Lending Management
  • Lifecycle Management
  • Limit Control
  • Liquidity Analysis
  • Liquidity Management
  • Loan Management
  • Loan Origination
  • Loan Portfolio Management
  • Loan Processing
  • Market Risk Management
  • Mobile Alerts
  • Mobile Payments
  • Monitoring
  • Mortgages
  • Multi-Branch
  • Multi-Company
  • Multi-Currency
  • Multi-Language
  • Multichannel - Digital Banking Platforms
  • Multiple Payment Options
  • Offline Access
  • Offshore Management
  • Online Applications
  • Online Banking
  • Online Payments
  • Open Banking - Digital Banking Platforms
  • PCI Compliance
  • PEP Screening
  • Payment Collection
  • Payment Gateway Integration
  • Payment Management
  • Payment Reminders
  • Performance Management
  • Portfolio Management
  • Pricing Management
  • Private Banking
  • Real-Time Analytics
  • Real-Time Data
  • Real-Time Monitoring
  • Real-Time Notifications
  • Real-Time Reporting
  • Receipt Management
  • Recurring/Subscription Billing
  • Reminders
  • Reporting
  • Reporting & Statistics
  • Reporting/Analytics
  • Retail Banking
  • Risk Analysis
  • Risk Management
  • Risk Scoring
  • Role-Based Permissions
  • Rules-Based Workflow
  • SARs
  • SMS Messaging
  • Search/Filter
  • Secure Login
  • Securities Management
  • Self Service Portal
  • Single Sign On
  • Status Tracking
  • Stress Tests
  • Task Management
  • Task Scheduling
  • Template Management
  • Third-Party Integrations
  • Transaction History
  • Transaction Management
  • Transaction Monitoring
  • Two-Factor Authentication
  • User Management
  • Watch List
  • Workflow Management
  • Total features29
  • ACH Payment Processing
  • API
  • ATM Management
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Activity Dashboard
  • Activity Tracking
  • Alerts/Escalation
  • Alerts/Notifications
  • Amortization Schedule
  • Audit Management
  • Audit Trail
  • Authentication
  • Auto Loans
  • Automated Decisioning/Underwriting
  • Automatic Funds Distribution
  • Background Screening
  • Behavior Tracking
  • Behavioral Analytics
  • Borrower Management
  • Business Loans
  • Case Management
  • Cash Flow Management
  • Cash Management
  • Chat/Messaging
  • Client Management
  • Client Portal
  • Cloud-Based - Digital Banking Platforms
  • Collateral Tracking
  • Communication Management
  • Compliance Management
  • Compliance Tracking
  • Comply with Financial Regulations
  • Construction Loans
  • Contact Management
  • Core Banking
  • Corporate Banking
  • Corporate Card
  • Credit Risk Management
  • Credit Union
  • Customer Accounts
  • Customer Database
  • Customer Experience Management
  • Customer Management
  • Customizable Branding
  • Customizable Reports
  • Customizable Templates
  • Dashboard
  • Data Capture and Transfer
  • Data Import/Export
  • Data Management
  • Data Security
  • Data Visualization
  • Debt Management
  • Debt and Investments
  • Derivative Valuation
  • Digital Wallet Payments
  • Document Management
  • Document Storage
  • Document Templates
  • Electronic Payments
  • Electronic Signature
  • Electronic Statements
  • Escrow Management
  • Expense Tracking
  • Financial Management
  • Financial Risk Reporting
  • Forecasting
  • Fraud Detection
  • Generative AI
  • Identity Verification
  • In-Person Payments
  • Interest Rate Risks
  • Investigation Management
  • Investment Banking
  • Investor Management
  • Invoice Management
  • Lending Management
  • Lifecycle Management
  • Limit Control
  • Liquidity Analysis
  • Liquidity Management
  • Loan Management
  • Loan Origination
  • Loan Portfolio Management
  • Loan Processing
  • Market Risk Management
  • Mobile Alerts
  • Mobile Payments
  • Monitoring
  • Mortgages
  • Multi-Branch
  • Multi-Company
  • Multi-Currency
  • Multi-Language
  • Multichannel - Digital Banking Platforms
  • Multiple Payment Options
  • Offline Access
  • Offshore Management
  • Online Applications
  • Online Banking
  • Online Payments
  • Open Banking - Digital Banking Platforms
  • PCI Compliance
  • PEP Screening
  • Payment Collection
  • Payment Gateway Integration
  • Payment Management
  • Payment Reminders
  • Performance Management
  • Portfolio Management
  • Pricing Management
  • Private Banking
  • Real-Time Analytics
  • Real-Time Data
  • Real-Time Monitoring
  • Real-Time Notifications
  • Real-Time Reporting
  • Receipt Management
  • Recurring/Subscription Billing
  • Reminders
  • Reporting
  • Reporting & Statistics
  • Reporting/Analytics
  • Retail Banking
  • Risk Analysis
  • Risk Management
  • Risk Scoring
  • Role-Based Permissions
  • Rules-Based Workflow
  • SARs
  • SMS Messaging
  • Search/Filter
  • Secure Login
  • Securities Management
  • Self Service Portal
  • Single Sign On
  • Status Tracking
  • Stress Tests
  • Task Management
  • Task Scheduling
  • Template Management
  • Third-Party Integrations
  • Transaction History
  • Transaction Management
  • Transaction Monitoring
  • Two-Factor Authentication
  • User Management
  • Watch List
  • Workflow Management

Integrations

  • Total integrations3
  • AssoConnect
  • Axonaut
  • Comptalib
  • Dropbox
  • Macompta.fr
  • Microsoft Power BI
  • Notion
  • OneDrive
  • Payfit
  • Plaid
  • Sellsy
  • Slack
  • Stripe Billing
  • Tableau
  • Xero
  • Zapier
  • Zoho Books
  • Total integrations14
  • AssoConnect
  • Axonaut
  • Comptalib
  • Dropbox
  • Macompta.fr
  • Microsoft Power BI
  • Notion
  • OneDrive
  • Payfit
  • Plaid
  • Sellsy
  • Slack
  • Stripe Billing
  • Tableau
  • Xero
  • Zapier
  • Zoho Books