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Qonto Alternatives: 12 Options Compared, Including Free (2026)

Explore 12 alternatives to Qonto — vetted by our editors with real user reviews, pricing, and feature comparisons.

12 free Qonto alternatives, ranked at a glance

Quick answer

The most popular free accounting software alternatives to Qonto are FreeAgent, Bill.com and Kashoo. FreeAgent tops the ranking with a SpotScore of 9.2 and 4.4★ from users. Compare all 12 on score, rating, and pricing below.

When Qonto no longer matches how your team works, the right swap makes a big difference. These 12 accounting software free alternatives are the strongest candidates, ranked by SpotScore (real-user satisfaction plus market presence), ratings, and pricing. Each is editor-vetted. Use the table to compare at a glance, then read the breakdowns.

ProductSpotScoreRatingPricingBest for
FreeAgentEffortless accounting for small businesses.9.2★★★★ 4.4(51)FreeFree Trial · Subscriptionsmall businesses
Bill.comStreamline your accounting and payments, hassle-free.9.2★★★★ 4.01(729)Freefrom $45 /user/monthteams of all sizes
KashooStreamline your bookkeeping and boost your profits.8.6★★★★★ 4.6(137)FreeFree Trial · Subscriptionsmall businesses
Sage Business Cloud AccountingGet organized and manage your finances effortlessly.8.4★★★★ 4.47(86)FreeFree Trial · Subscriptionsmall & mid-size businesses
EnerpizeSimplify your accounting with ease.8.1★★★★★ 5(2)FreeFree Trial · Subscriptionsmall & mid-size businesses
XeroStreamline your finances and grow your business.9.6★★★★★ 4.65(4699)FreeFree Trial · Subscriptionsmall & mid-size businesses
Zoho BooksStreamline your finances with ease.9.2★★★★★ 4.91(319)FreeFree Trial · Subscriptionteams of all sizes
QuickBooksEffortless accounting, smarter business decisions9.8★★★★★ 4.83(8404)FreeFree Trial · Subscriptionsmall & mid-size businesses
WaveStreamline your finances, save money with Wave.9.6★★★★ 3.53(423)FreeFreemiumsmall businesses
FreshbooksInvoicing made easy. Anytime, anywhere.9.6★★★★★ 4.58(1379)FreeFree Trial · Subscription · Quotation Basedsmall & mid-size businesses
MYOBStreamline your business with MYOB9.3★★★★ 4.35(121)FreeFree Trial · Subscriptionteams of all sizes
KnowifyStreamline your construction business with ease.9.2★★★★★ 4.81(28)FreeFree Trial · Subscription · Quotation Basedteams of all sizes

9.2

SpotScore

FreeAgent

FreeAgent

Effortless accounting for small businesses.

Best for: SMB teams

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What is FreeAgent?

FreeAgent is an easy accounting software program that helps small teams and individuals do their work better. With its task-based interface, real time data and financial projection dashboard, automation features, cryptocurrency support, and browser and mobile app versions it looks like nothing ...

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Free TrialTry Free →

9.2

SpotScore

Bill.com

Bill.com

Streamline your accounting and payments, hassle-free.

Best for: SMB teams · Mid-market · Enterprise

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What is Bill.com?

Bill.com is a financial operations platform for small businesses that handles invoicing, bill payments, and expense tracking. It supports electronic document exchange, ACH, credit card, and international payments, and integrates with QuickBooks, Xero, and Sage to reduce manual data entry. ...

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Free TrialTry Free →

8.6

SpotScore

Kashoo

Kashoo

Streamline your bookkeeping and boost your profits.

Best for: SMB teams

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What is Kashoo?

Kashoo is an easy-to-use, cloud-based accounting software designed by accountants for small businesses. With Kashoo, you can manage your finances, save time and increase your bottom line with an intuitive system that automates bookkeeping so you have the information you need to stay on top of ...

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Free TrialTry Free →

8.4

SpotScore

Sage Business Cloud Accounting

Sage Business Cloud Accounting

Get organized and manage your finances effortlessly.

Best for: SMB teams · Mid-market

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What is Sage Business Cloud Accounting?

Sage Business Cloud Accounting is a full-featured accounting software package designed specifically for small business owners. Sage Business Cloud Accounting helps you get organized and manage your finances with ease. Quickly track income and expenses without having to manually enter numbers. ...

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8.1

SpotScore

Enerpize

Enerpize

Simplify your accounting with ease.

Best for: SMB teams · Mid-market

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What is Enerpize?

Enerpize is accounting software for small businesses that combines general ledger, accounts payable, payroll processing, and inventory tracking in a single system. It prioritizes ease of setup over customization depth, targeting teams that need basic financial management without ...

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9.6

SpotScore

Xero

Xero

RECOMMENDED

Streamline your finances and grow your business.

Best for: SMB teams · Mid-market

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What is Xero?

Xero software is a cloud-based accounting system that helps businesses manage their finances, run payroll, and save time so they can focus on growing their business. This single platform connects all your finances and invoices. It's the resource you need to run your business, no matter where ...

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Free TrialTry Free →·

Starts from $3.75/month when monthly

9.2

SpotScore

Zoho Books

Zoho Books

RECOMMENDED

Streamline your finances with ease.

Best for: SMB teams · Mid-market · Enterprise

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What is Zoho Books?

Zoho Books is cloud accounting software for small to mid-sized businesses, particularly teams already using other Zoho products like CRM or Desk. It covers the full accounting cycle — invoicing, journal entries, bank reconciliation, and financial reporting — through a single unified platform. ...

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Free TrialTry Free →

9.8

SpotScore

Quickbooks

QuickBooks

Effortless accounting, smarter business decisions

Best for: SMB teams · Mid-market

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Add to compare

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What is QuickBooks?

QuickBooks is a user-friendly financial management platform designed to help small businesses, freelancers, and growing teams handle accounting, invoicing, payroll, and reporting all in one place. Built for business owners, accountants, service providers, and eCommerce sellers, QuickBooks ...

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Free TrialTry Free →·

Starts from $3.80/month when monthly

9.6

SpotScore

Wave - Accounting Software

Wave

Streamline your finances, save money with Wave.

Best for: SMB teams

Try for Free

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What is Wave?

With Wave, small businesses have access to professional accounting services without any cost. It offers Invoicing, Accounting, and Receipt scanning for free, while its affordable packages provide additional features such as Payments and Payroll. This online software is a cost-effective solution ...

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9.6

SpotScore

Freshbooks

Freshbooks

Invoicing made easy. Anytime, anywhere.

Best for: SMB teams · Mid-market

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What is Freshbooks?

FreshBooks is cloud accounting software for freelancers, small agencies, and service businesses with under 10 employees who handle their own books. It automates invoicing, expense categorization, and time-to-invoice workflows so owners can bill clients and track billable hours without a ...

Read more about Freshbooks
Free TrialTry Free →·

Starts from $8/month when monthly

9.3

SpotScore

MYOB - Accounting Software

MYOB

Streamline your business with MYOB

Best for: SMB teams · Mid-market · Enterprise

Start Free Trial

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What is MYOB?

MYOB is accounting software for Australian and New Zealand small businesses, built in compliance with ATO requirements. It handles invoicing, expense tracking, payroll, tax reporting, and supplier management, with direct integration for working with accountants and bookkeepers. Customers can ...

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Free Trial

9.2

SpotScore

Knowify - Construction Management Software

Knowify

Streamline your construction business with ease.

Best for: SMB teams · Mid-market · Enterprise

Start Free Trial

Add to compare

What is Knowify?

With Knowify, construction companies can transform their business processes to be more efficient and better serve their clients. Knowify delivers easy-to-use construction management software that will enable company to save time and money on projects, manage jobs more effectively, and swiftly ...

Read more about Knowify
Free Trial·

Starts from $149/Month when Billed Yearly

Qonto vs its closest competitors

Buyers comparing Qonto usually weigh it against these 12 accounting software competitors, starting with FreeAgent, Bill.com and Kashoo. Each is compared against Qonto on rating, pricing and feature coverage below.

What else works like Qonto?

Searches for "sites like Qonto" and "apps like Qonto" land on the same shortlist as "Qonto alternatives" — the 12 options below cover both, whether you want a like-for-like replacement or something lighter.

Why each tool is in the running

FreeAgent9.2Best for small businesses

Interface suits non-accountants and small business owners.

Watch for: Limited scope for medium to large businesses; struggles to scale for growing enterprises.

Bill.com9.2Best for teams of all sizes

Automates invoicing, payments, and accounts payable processing, saving time.

Watch for: Customer service is widely criticized for being unhelpful, difficult to reach, and over-reliant on automated support systems like chatbots.

Kashoo8.6Best for small businesses

Easy to use

Watch for: Limited advanced features

Sage Business Cloud Accounting8.4Best for small & mid-size businesses

Accessible for non-accountants and easy to train new users.

Watch for: Delayed bank feeds and sync problems affect real-time access.

Enerpize8.1Best for small & mid-size businesses

Easy payroll management

Watch for: Limited customization options

Xero9.6Best for small & mid-size businesses

Excellent and highly responsive customer support, praised for quick problem resolution and knowledgeable staff.

Watch for: Difficulty connecting with support initially, though the quality of assistance once connected is rated highly.

Zoho Books9.2Best for teams of all sizes

User-friendly interface

Watch for: Limited integrations

QuickBooks9.8Best for small & mid-size businesses

Exceptional customer service, with representatives described as friendly, knowledgeable, and patient.

Watch for: Some technical issues require contacting support, such as connectivity problems with apps and account recovery.

Wave9.6Best for small businesses

Provides free accounting tools and features, making it an accessible option for small businesses and freelancers with tight budgets.

Watch for: Poor customer service with slow response times, limited availability, and insufficient support, especially for non-paying users.

Freshbooks9.6Best for small & mid-size businesses

User-friendly interface, making it simple to set up and use even for non-accounting experts.

Watch for: Reporting functionalities and customizations are less capable compared to industry giants, limiting advanced financial analysis.

MYOB9.3Best for teams of all sizes

Excellent customer service with knowledgeable, patient, and helpful staff for resolving queries and providing step-by-step assistance.

Watch for: Subpar customer support experience with long wait times, call disconnections, and unresolved issues being frequently mentioned.

Knowify9.2Best for teams of all sizes

Interface is easy to navigate, even for new users.

Watch for: Mobile app needs improvement for a better user experience.

Why teams look for a Qonto alternative

Most people weighing a Qonto alternative are reacting to the same handful of pain points:

  • Limited functionality for handling large loans or financial needs requiring traditional banks.
  • Marketplace options and advanced integrations could be expanded for more specialized business workflows.
  • Some users may find the lack of traditional banking features a limitation for complex financial operations.

What to look at before switching from Qonto

A quick data read across all 12 accounting software free alternatives: 12 offer a free tier; paid plans run $45, with Bill.com the cheapest entry point; and Enerpize is the highest rated at 5 across 2 reviews.

Behind the order.

Frequently Asked Questions (FAQs)

Stuck on something? We're here to help with all the questions and answers in one place.

The top-rated alternatives to Qonto are Enerpize (5.0★), Zoho Books (4.9★), QuickBooks (4.8★). Compare all 12 alternatives side-by-side above.

When evaluating alternatives to Qonto, prioritize: Accounts Payable, Accounts Receivable, Bank Reconciliation, Billing and Invoicing, Cash Management, transparent pricing, free trial availability, and integrations with your existing tools. Use the filters above to compare by feature, budget, and team size.

Migration difficulty depends on how deeply Qonto is integrated into your workflows. Most alternatives offer data export/import tools and dedicated onboarding support. We recommend narrowing to 2–3 options, running a free trial, and checking each vendor's migration guides before committing.

Choosing the best Qonto alternative for your goals

  • On a budget / just exploring: start with a free tier — FreeAgent, Bill.com and Kashoo let you evaluate without paying upfront.
  • If real-user ratings matter most: Enerpize has the strongest star rating (5★) among the options with verified reviews.
  • Want the safest pick: FreeAgent has the highest Spotsaas Score (9.2) in this list — a strong default if you're unsure.

The switch from Qonto

A low-stress switch from Qonto starts with exporting your data and confirming the new tool imports it. Check feature parity for your real workflows, run a short pilot, and keep Qonto active until the move is finished. The free tiers above let you trial first.

Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].