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BankingFebruary 12, 2026

Qonto vs N26 Business: Business Banking Comparison

Compare Qonto and N26 Business - two leading digital business banks in Germany. Features, pricing, and which is right for you.

Comparison Table

 
Price€9-299/mo€0-16.90/mo
CountriesDE, FR, IT, ES, ATDE, AT, EU
Best ForStartups, Digital Businesses, AgenciesFreelancers, Solopreneurs
Features
IBAN accountVirtual cardsMulti-userAPI
IBAN accountMastercardCashbackSpaces
Pros
  • Modern UX
  • Fast onboarding
  • Good integrations
  • Startup-friendly
  • Free tier available
  • Great mobile app
  • Fast setup
Cons
  • No cash deposits
  • Limited to EU
  • No credit products
  • Only for freelancers/self-employed
  • No multi-user
  • Limited integrations
WebsiteVisitVisit

Our Verdict

Choose Qonto for team features and expense management. Choose N26 Business for solo freelancers wanting simplicity.

As of: February 2026

Information in this comparison is sourced from publicly available data (official websites, pricing pages). Prices and features may change. We do not guarantee the accuracy or completeness of the information.

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Qonto and N26 Business represent the new generation of digital business banking. Both offer modern apps and integrations, but target different business sizes.

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