Compare Qonto and Spendesk 
At a Glance
Market Segments
Small-Business (93.8% of reviews)
Mid-Market (64.0% of reviews)
Entry-Level Pricing
€9.00 Per Month
Contact Us Per Month
Qonto
Star Rating
(147)4.7 out of 5
Market Segments
Small-Business (93.8% of reviews)
Pros & Cons
Entry-Level Pricing
€9.00 Per Month
Free Trial is available
Browse all 6 pricing plansSpendesk
Star Rating
(409)4.6 out of 5
Market Segments
Mid-Market (64.0% of reviews)
Pros & Cons
Entry-Level Pricing
Contact Us Per Month
Free Trial is available
Browse all 3 pricing plansSummary
AI Generated Summary
AI-generated. Powered by real user reviews.
- G2 reviewers report that Spendesk excels in user-friendliness, with many users highlighting its intuitive interface that guides them through each step of the expense management process. This is particularly beneficial for teams looking for a straightforward solution to manage their budgets and spending controls.
- Users say that Qonto offers a highly efficient financial tech application that operates seamlessly on both desktop and mobile. Reviewers appreciate the speed and simplicity of activating features, making it a great choice for small businesses that need quick access to their financial data.
- According to verified reviews, Spendesk shines in its ability to create online cards for marketing purchases, which users find very convenient. This feature, combined with a clear process for expense payments, makes it a strong contender for teams focused on managing marketing budgets effectively.
- Reviewers mention that Qonto is particularly helpful for managing invoices and transfers, with features that automatically match invoices to transactions. This capability allows users to track their finances easily, which is a significant advantage for small businesses that need to stay organized.
- Users highlight that Spendesk has a strong budgeting and spending control system, which is praised for its effectiveness in managing expenses. This makes it a solid option for mid-market companies that require robust financial oversight.
- G2 reviewers note that while Qonto has a slightly higher overall satisfaction score, Spendesk's recent user feedback emphasizes its superior ease of use and setup. This suggests that Spendesk may be more appealing for teams prioritizing a quick onboarding experience without sacrificing functionality.
Pricing
Entry-Level Pricing
Qonto
Basic
€9.00
Per Month
- 1 x One Card Mastercard with €20,000/month payment limit
- 30 transfers or direct debits/month
- 1 account
Spendesk
Essentials Plan
Contact Us
Per Month
For SMBs looking to streamline their spend management process, all in one place.
- Unlimited virtual and physical cards
- Automated & customizable bookkeeping
- End to end invoice management
Free Trial
Qonto
Free Trial is available
Spendesk
Free Trial is available
Ratings
Meets Requirements
8.9
96
9.2
348
Ease of Use
9.5
97
9.4
350
Ease of Setup
9.5
85
8.6
85
Ease of Admin
9.6
38
8.6
76
Quality of Support
9.1
92
9.0
273
Has the product been a good partner in doing business?
8.6
38
8.9
75
Product Direction (% positive)
9.0
90
8.5
335
Features by Category
Expense Reports
8.2
55
8.7
159
|
Verified
8.8
54
9.0
178
|
Verified
8.2
54
8.7
175
|
Verified
8.9
57
9.1
216
|
Verified
8.1
43
8.9
187
|
Verified
Feature Not Available
8.5
155
|
Verified
Feature Not Available
9.0
163
|
Verified
Agentic AI - Expense Management
Not enough data
Not enough data
Not enough data
Not enough data
Travel Management
Feature Not Available
Feature Not Available
Feature Not Available
Feature Not Available
Feature Not Available
8.2
62
Feature Not Available
8.2
69
Client Invoicing
7.8
55
8.3
78
8.3
46
8.8
96
8.0
47
8.3
77
Mobile
8.7
54
9.1
198
|
Verified
Feature Not Available
8.0
87
|
Verified
Feature Not Available
7.7
50
Platform
Feature Not Available
Feature Not Available
7.2
37
8.6
141
|
Verified
Administration
8.1
36
8.6
100
|
Verified
Administration
7.9
45
8.6
123
|
Verified
7.7
45
8.9
134
|
Verified
7.5
44
8.9
173
|
Verified
6.7
38
8.5
124
|
Verified
8.1
43
8.9
157
|
Verified
Platform
7.9
42
8.6
134
|
Verified
8.0
39
8.2
92
|
Verified
7.5
38
8.6
120
|
Verified
9.1
51
8.9
169
|
Verified
8.5
47
9.0
136
|
Verified
Feature Not Available
Feature Not Available
Budget Creation
Not enough data
8.3
12
Not enough data
8.6
14
Not enough data
9.0
12
Not enough data
8.3
12
Not enough data
8.2
11
Not enough data
8.4
15
Budget Management
Not enough data
8.6
11
Not enough data
8.9
11
Not enough data
8.9
11
Forecasting
Not enough data
8.8
14
Not enough data
8.8
12
Not enough data
8.6
12
Not enough data
8.2
12
Not enough data
Not enough data
Analytics
Not enough data
8.6
13
Not enough data
8.5
12
Not enough data
8.5
12
Agentic AI - Budgeting and Forecasting
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Setup
Not enough data
Feature Not Available
Not enough data
8.8
143
Not enough data
Feature Not Available
Performance
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
7.8
40
Not enough data
Feature Not Available
Payment Cards
Not enough data
9.2
70
Not enough data
8.8
59
Not enough data
8.4
56
Reporting
Not enough data
8.7
61
Not enough data
8.2
45
Not enough data
8.1
43
Not enough data
8.3
45
Payments
Not enough data
8.5
48
Not enough data
8.4
53
Not enough data
8.9
61
Not enough data
7.7
33
Fraud & Risk Management
Not enough data
8.5
55
Not enough data
8.8
54
Not enough data
8.7
52
Agentic AI - Spend Management
Not enough data
Not enough data
Planning
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Execution
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Analytics
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Procure to Pay
Not enough data
Not enough data
Accounts Payable (AP) and Spend AnalysisHide 15 FeaturesShow 15 Features
Not enough data
Not enough data
Data Management
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Accounts Payable (AP) and Spend Analysis
Not enough data
Not enough data
Analytics
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Recovery
Not enough data
Not enough data
Not enough data
Not enough data
AP Data Processing
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Invoice Management
Not enough data
8.7
40
|
Verified
Not enough data
7.9
15
Not enough data
8.5
34
|
Verified
Invoice Processing
Not enough data
8.7
19
Not enough data
8.9
38
|
Verified
Not enough data
8.9
37
|
Verified
Not enough data
8.2
18
Analytics
Not enough data
8.8
30
|
Verified
Not enough data
7.9
11
Not enough data
8.3
12
Integration
Not enough data
7.7
30
|
Verified
Not enough data
8.5
28
|
Verified
Not enough data
7.7
14
Risk
Not enough data
8.1
14
Not enough data
8.6
14
Not enough data
8.5
13
Recovery
Not enough data
7.9
13
Not enough data
8.3
13
Audit
Not enough data
8.2
11
Not enough data
8.0
11
Not enough data
8.2
11
Not enough data
8.5
12
Fraud
Not enough data
8.3
14
Not enough data
8.2
13
Not enough data
8.6
14
Agentic AI - AP Automation
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Invoice Generation
8.1
21
9.0
27
8.8
20
9.3
85
8.1
18
8.8
29
Invoice Processing
7.4
15
9.3
92
7.7
14
9.0
66
8.6
13
8.9
30
9.1
18
8.8
42
|
Verified
Analytics
8.4
15
8.7
73
8.7
15
Feature Not Available
7.7
14
Feature Not Available
8.2
15
8.9
39
|
Verified
Integration
9.1
19
8.5
64
9.4
19
9.1
66
8.2
14
8.1
25
9.5
17
8.5
32
|
Verified
Agentic AI - Invoice Management
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Cash Flow Management
8.9
29
Not enough data
9.1
32
Not enough data
9.1
30
Not enough data
Cash Flow Forecasting
8.6
29
Not enough data
7.9
26
Not enough data
7.8
24
Not enough data
7.6
25
Not enough data
7.7
25
Not enough data
Analytics
8.1
26
Not enough data
8.2
26
Not enough data
8.2
25
Not enough data
8.1
24
Not enough data
Financial Data Transfer
8.3
27
Not enough data
8.2
26
Not enough data
8.1
26
Not enough data
8.3
27
Not enough data
8.5
24
Not enough data
Agentic AI - Cash Flow Management
Not enough data
Not enough data
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Categories
Categories
Shared Categories
Qonto and Spendesk are categorized as Spend Management, Invoice Management, and Expense Management
Unique Categories
Qonto is categorized as Cash Flow Management and Accounts Payable (AP) and Spend Analysis
Reviews
Reviewers' Company Size
Qonto
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Spendesk
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Accounting
9.6%
Consulting
6.7%
Financial Services
6.7%
Computer Software
5.8%
Information Technology and Services
3.8%
Other
67.3%
Computer Software
15.1%
Information Technology and Services
14.3%
Financial Services
4.7%
Marketing and Advertising
4.4%
Internet
3.7%
Other
57.8%
Discussions
What is Qonto used for?
1 Comment
Official Response from Qonto
Hello,
Thanks for reaching out with your question. Qonto is used as a financial solution tailored for small and medium-sized enterprises, startups, and...Read more
Qonto has no more discussions with answers
If you're looking for people for user test I'd like to participate :)
1 Comment
CL
Hi Francis GG, so nice of you to offer! We will then! :) Read more
How do I reimburse via Spendesk?
1 Comment
CL
Hi Gabriela, there are different options to reimburse employees, all of them enables you to reimburse in bulk:
1. Export an XML Sepa file if you have a...Read more
Spendesk has no more discussions with answers
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