Choose Qonto if you need
- Integration with Google Sheets, Excel or Apple Pay. We haven't found them on Relay's website.
At a glance
- Relay has a free plan. We haven't confirmed one for Qonto.
- Both offer a free trial (Qonto: 1 month, Relay: 14 days).
- Qonto's lowest paid plan is Basic at €9 per month, billed annually, as of November 14, 2026.
- Relay's lowest paid plan is Grow at $30 per month, as of November 14, 2026.
- They list no integrations in common.
From each tool's own website, checked on the dates below, and from published reviews.
Which to choose
From the facts checked for both tools, not from opinion. A fact we haven't confirmed for one of them is never counted.
Choose Relay if you need
- Integration with QuickBooks Online, Xero or Gusto. We haven't found them on Qonto's website.
Qonto
Nobody has reviewed Qonto yet. Its rating shows once it has 3 reviews.
Review QontoRelay
Nobody has reviewed Relay yet. Its rating shows once it has 3 reviews.
Review RelayThe facts
- What it does
- QontoA business account with invoicing, bookkeeping, expense management and financing built in.
- RelayBusiness banking that shows where every dollar goes and sets money aside automatically.
- Free plan
- QontoNot confirmed
- RelayYes
- Pricing
- QontoMonthly or annual subscription per plan
- RelayNot confirmed
- Paid plans from
What they share
From the platforms and integrations each website lists.
Integrations
BothNone in common
Only Qonto
- Google Sheets
- Excel
- Apple Pay
- Google Pay
- Wise
Only Relay
- QuickBooks Online
- Xero
- Gusto
- Plaid
- Yodlee
People who switched
Reviewers who say they used one of these before the other.
No reviewer has said they moved between Qonto and Relay yet.
Used either of them?
Your review makes this comparison better for the next person. Review Qonto or review Relay.