European alternative to Qonto :
NexEuro, free SEPA Instant.
The alternative to Qonto for collecting payments: instant, with no mandatory subscription.
Why look for an alternative to Qonto?
Qonto is a full business account with invoicing and accounting, billed monthly. NexEuro does not replace the business account: it adds instant, free collection by phone number, whatever your bank.
Qonto vs NexEuro
A point-by-point comparison to help you choose.
Updated on
| Criterion | Qonto | NexEuro |
|---|---|---|
| Nature | A business account with management tools. | A collection layer plugged into your existing account. |
| Entry cost | Monthly subscription from the start. | Free between users, an optional professional plan. |
| Customer collection | Standard transfer or a card payment link. | SEPA Instant by phone or QR code. |
| Timing | Depends on the chosen payment method. | Under ten seconds. |
4 reasons to switch
What you concretely gain by moving to NexEuro.
Frequently asked questions
Everything you need to know before switching.
No, it complements it by adding instant collection.
Yes, if the account is SEPA Instant compatible.
Each payment generates an exportable timestamped proof.
Ready to try the European alternative?
Download NexEuro and send your first instant payment in under 60 seconds.
Download NexEuroGo further with NexEuro
Discover the solutions, countries and use cases that Qonto doesn't cover — or covers less well — than NexEuro.
See also: acceptance without a terminal · freelance invoicing · e-commerce payments without Stripe · instant payment in France · free SEPA Instant transfer.