Qonto
Finance
From$9.90/mo
10 people: $9.90 a month · $118.80 a year
- No free plan
- No yearly discount listed
- No startup credits listed
- 3 plans · priced per plan
Qonto vs Shine: pricing compared
Plans, list prices and what a team of 5, 10 or 25 pays on each, from Surba's catalog of Finance tools. Updated for 2026.
At a glance
Side by side
Qonto starts at $9.90/mo (Basic) and Shine at $9.90/mo (Start). For 10 people both cost $9.90 a month on their entry plans.
Shine
Finance
From$9.90/mo
10 people: $9.90 a month · $118.80 a year
- Free plan
- Up to 20% off yearly
- No startup credits listed
- 4 plans · priced per plan
Plans
Qonto and Shine plans
Every plan with a public price, in US dollars.
Qonto
Basic
Local IBAN · 30 transfers/month · 1 physical + 2 virtual cards
$9.90/mo
Smart
100 transfers/month · 50 virtual cards · Cash-flow forecasting
$20.90/mo
Premium
4 sub-accounts · 200 transfers/month · Priority support
$42.90/mo
Self-employed plans €9/€19/€39 per month billed annually (€108/€228/€468) at ~1.10 USD/EUR, excl. VAT; monthly billing available. Team plans Essential €49/mo and Business €109/mo; Enterprise €199+/custom.
Prices from Qonto's pricing page, checked 26 Oct 2026.
Shine
Free
French IBAN · 3 transfers/month · 1 virtual card
Free
Start
1 sub-account · 30 transfers/month · Charge estimator
$9.90/mo
Plus
5 sub-accounts · 3 premium cards · 150 transfers/month
$22/mo
Business
10 accounts · 5 premium cards · Team expense management
$49.50/mo
€9/€20/€45 per month excl. VAT at ~1.10 USD/EUR; annual prepay saves up to 20% (18-25% by plan).
Prices from Shine's pricing page, checked 26 Oct 2026.
Team cost
What each costs your team
Entry paid plans, per month and per year at list price.
| Team | Qonto (Basic) | Shine (Start) | Difference |
|---|---|---|---|
| 5 people | $9.90/mo$118.80/yr a year | $9.90/mo$118.80/yr a year | Same |
| 10 people | $9.90/mo$118.80/yr a year | $9.90/mo$118.80/yr a year | Same |
| 25 people | $9.90/mo$118.80/yr a year | $9.90/mo$118.80/yr a year | Same |
Qonto is priced per plan. Shine is priced per plan. Per-user prices are multiplied by the team; per-plan prices aren't. Before tax; yearly discounts not applied.
FAQ
Qonto vs Shine: questions
Which is cheaper, Qonto or Shine?
Qonto starts at $9.90/mo (Basic) and Shine at $9.90/mo (Start). For 10 people both cost $9.90 a month on their entry plans. Compare features too: the cheaper plan isn't always the closer match.
Do Qonto and Shine have free plans?
Qonto has no free plan in Surba's catalog. Shine has a free plan (Free).
Are Qonto and Shine cheaper if you pay yearly?
Shine lists up to 20% off yearly billing. Surba's catalog lists no yearly discount for Qonto.
More comparisons
Other Finance comparisons
Paying for Qonto or Shine? Track it in Surba.
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