Qonto vs Finom
Verified facts in one table - licence, EEA data residency, rails, cards and published pricing. Shared ground: Spend management. No verdict - which one fits depends on your build, and that is what the match request is for.
The facts, side by side
Every row comes from the source-verified catalogue - blank means not documented at source, not absent. Full context on each profile.
| Qonto | Finom | |
|---|---|---|
| Origin | EU core (France) | EU core (Netherlands) |
| EEA data residency | Yes | Yes |
| Licence type | Bank | EMI |
| Status | Active | Active |
| Verified | Verified 2026-06-26 | Verified 2026-06-26 |
| Product categories | Spend management, BaaS, Card issuing software | Spend management, Lending module |
| Published entry price | from EUR 9/mo | free plan; from EUR 8.99/mo |
How to read the sovereignty rows: EEA data residency explains Yes / Partial / No, the sovereignty framework covers origin and ownership, and the card-scheme map explains why the scheme row looks the way it does. Pricing context: what is published vs negotiated.
FAQ
What licences do Qonto and Finom hold?
Qonto operates as a fully licensed bank (credit institution) headquartered in France; Finom as an e-money institution (EMI) headquartered in Netherlands. Both are verified at source, and their official register entries are linked from their profiles.
Do Qonto and Finom keep data in the EEA?
Qonto runs fully on EEA data rails (EEA: Yes). Finom runs fully on EEA data rails (EEA: Yes). What Yes / Partial / No mean - and why an EEA data centre alone is not the whole answer - is explained in the EEA data residency guide.