# Compare Qonto vs Agicap 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare Qonto and Agicap based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/173384-196637/Qonto-vs-Agicap

---

# Qonto vs Agicap Features and Cost Comparison

Last updated March 13th, 2026

Provider data verified by our Software Research team, and reviews  
moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/)

Your comparison:

QontoAgicap2/4 selected

[Qonto](https://www.capterra.com/p/173384/Qonto/)[4.5 (244)](https://www.capterra.com/p/173384/Qonto/reviews/)

[Agicap](https://www.capterra.com/p/196637/Agicap/)[4.3 (161)](https://www.capterra.com/p/196637/Agicap/reviews/)

[## Qonto](https://www.capterra.com/p/173384/Qonto/)[4.5 (244)](https://www.capterra.com/p/173384/Qonto/reviews/)

Starting Price

€9.00/month

Value-for-Money

4.3

Functionality

4.5

Ease of Use

4.7

Customer Service

4.4

Reviews Sentiment

Based on [244 reviews](#user-reviews)

Positive

216

Neutral

3

Negative

25

[## Agicap](https://www.capterra.com/p/196637/Agicap/)[4.3 (161)](https://www.capterra.com/p/196637/Agicap/reviews/)

Starting Price

Contact vendor

Value-for-Money

3.7

Functionality

4.2

Ease of Use

4.3

Customer Service

4.5

Reviews Sentiment

VS

RF

Based on [161 reviews](#user-reviews)

Positive

142

Neutral

10

Negative

9

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What’s your intended use case?

## Summary

* * *

Key features rated by users

Features selected based on 1,029 reviews from financial management software users.  
about the Fit Score methodology.

Fit Score methodology

Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about.

  

If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology

\--%Fit

Missing features

Feature ratings

Real-Time Data

4.6

Electronic Payments

NA

Audit Trail

NA

General Ledger

NA

Financial Reporting

NA

60%Fit

Missing features

Not enough reviews

Feature ratings

Real-Time Data

3.8

Electronic Payments

4.4

Audit Trail

NA

General Ledger

\--

Financial Reporting

4.3

User satisfaction

User satisfaction

4.5

User reviews[244](https://www.capterra.com/p/173384/Qonto/reviews/)

Ease of use

4.7

Functionality

4.5

Value for money

4.3

Customer support

4.4

User satisfaction

4.3

User reviews[161](https://www.capterra.com/p/196637/Agicap/reviews/)

Ease of use

4.3

Functionality

4.2

Value for money

3.7

Customer support

4.5

Price starts from

Price starts from

€9Flat Rate, Per Month

-   Free version
-   Free trial

Price starts from

\--

-   Free version
-   Free trial

Best for

Best for

SMEs, Freelancers, Micro-enterprises, Company creators, Non-profits

Best for

Agicap delivers value at every level of the company (CEOs, CFOs, their teams), turning cash into a lever for growth and profit.

## User reviews

Pros & cons

CM

Cameron M.

CEO

> "Daily tasks like viewing balances, sending payments, and managing cards are pleasant and intuitive."

[See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7035698)

CM

Cameron M.

CEO

> "Customer support is polite when things go smoothly but tends to disappear when a real problem arises — promised..."

[See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7035698)

CM

Cameron M.

CEO

> "It’s also one of the few French fintechs that accepts U.S. citizens, which was a major advantage for my..."

[See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7035698)

Gilbert S.

CEO

> "Following a routine document request, my account was blocked without notice, even though all documents had been..."

[See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7128302)

Gilbert S.

CEO

> "As long as no issues occurred, the platform was reliable and efficient for handling business transactions."

[See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7128302)

MG

Miguel G.

Investor

> "Some invoices are still not properly reconciliated and the team needs to take photos, categorize and upload..."

[See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___6816278)

Gilbert S.

CEO

> "Initially, Qonto offered a modern and easy-to-use business banking solution."

[See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7128302)

Gilbert S.

CEO

> "For a business-critical service like banking, this is unacceptable."

[See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7128302)

Shimon Felix W.

CEO

> "The interface is clean, intuitive, and well designed."

[See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7062783)

PD

Pierre D.

CEO

> "ridiculously irrespectful and costly"

[See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___2577834)

[View Reviews](https://www.capterra.com/p/173384/Qonto/reviews/)

VS

Victor S.

Growth

> "I like it's easiness to use and the visibility it gives me to my cashflow. And all the integrations..."

[See full review](https://www.capterra.com/p/196637/Agicap/#Capterra___6882125)

CL

Christophe L.

CEO

> "Bank connectors not relaible."

[See full review](https://www.capterra.com/p/196637/Agicap/#Capterra___6406641)

RF

Ross F.

Group Finance Manager

> "Agicap has proven to be a huge time-saving tool by automating the analysis and categorisation of..."

[See full review](https://www.capterra.com/p/196637/Agicap/#Capterra___6144921)

SS

Samir S.

Finance Director

> "Does not provide a weekly cash flow monitoring option"

[See full review](https://www.capterra.com/p/196637/Agicap/#Capterra___6155973)

AA

Ahmed A.

Managing Partner

> "User friendly and straightforward, helps smooth our key functions within the business"

[See full review](https://www.capterra.com/p/196637/Agicap/#Capterra___6268507)

ML

Monica L.

CFO

> "The app is not efficient."

[See full review](https://www.capterra.com/p/196637/Agicap/#Capterra___6155960)

AA

Ahmed A.

Managing Partner

> "Overall satisfied, whilst there is some room for improvement when it comes to certain functionalities"

[See full review](https://www.capterra.com/p/196637/Agicap/#Capterra___6268507)

JP

Juliette P.

CEO

> "Our bank connexion sometimes breaks, which is annoying."

[See full review](https://www.capterra.com/p/196637/Agicap/#Capterra___3545551)

[View Reviews](https://www.capterra.com/p/196637/Agicap/reviews/)

## User interface

[Qonto](https://www.capterra.com/p/173384/Qonto/)

4.52 (244)

[Agicap](https://www.capterra.com/p/196637/Agicap/)

4.30 (161)

## Connect with a Capterra advisor for a free 15-minute consultation

Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs.

### Features

Qonto

10/50

-   Accounting
-   Accounting Integration
-   AI Copilot
-   API
-   Approval Process Control
-   Audit Trail
-   Bank Reconciliation
-   Budgeting/Forecasting
-   Cash Management
-   Compliance Management
-   Configurable Workflow
-   Consolidation/Roll-Up
-   Currency Management
-   Customizable Reports
-   Dashboard Creation
-   Data Import/Export
-   Data Visualization
-   Electronic Payments
-   Financial Analysis
-   Financial Reporting
-   Fixed Asset Management
-   General Ledger
-   Generative AI
-   Investment Management
-   Invoice Management
-   Invoice Processing
-   Mobile Access
-   Multi-Company
-   Multi-Currency
-   Multi-Language
-   Planning Tools
-   Predictive Analytics
-   Projections
-   Project Management
-   Project Time Tracking
-   Purchasing & Receiving
-   Real-Time Analytics
-   Real-Time Data
-   Real-Time Monitoring
-   Real-Time Reporting
-   Revenue Recognition
-   Risk Management
-   Tax Management
-   Third-Party Integrations
-   Transaction History
-   Transaction Monitoring
-   User Management
-   Visual Analytics
-   "What If" Scenarios
-   Workflow Management

[See all features](https://www.capterra.com/p/173384/Qonto/#features)

Agicap

Top features

39/50

-   Accounting
-   Accounting Integration
-   AI Copilot
-   API
-   Approval Process Control
-   Audit Trail
-   Bank Reconciliation
-   Budgeting/Forecasting
-   Cash Management
-   Compliance Management
-   Configurable Workflow
-   Consolidation/Roll-Up
-   Currency Management
-   Customizable Reports
-   Dashboard Creation
-   Data Import/Export
-   Data Visualization
-   Electronic Payments
-   Financial Analysis
-   Financial Reporting
-   Fixed Asset Management
-   General Ledger
-   Generative AI
-   Investment Management
-   Invoice Management
-   Invoice Processing
-   Mobile Access
-   Multi-Company
-   Multi-Currency
-   Multi-Language
-   Planning Tools
-   Predictive Analytics
-   Projections
-   Project Management
-   Project Time Tracking
-   Purchasing & Receiving
-   Real-Time Analytics
-   Real-Time Data
-   Real-Time Monitoring
-   Real-Time Reporting
-   Revenue Recognition
-   Risk Management
-   Tax Management
-   Third-Party Integrations
-   Transaction History
-   Transaction Monitoring
-   User Management
-   Visual Analytics
-   "What If" Scenarios
-   Workflow Management

[See all features](https://www.capterra.com/p/196637/Agicap/#features)

### Recognition

No recognitions have been awarded to Qonto

No recognitions have been awarded to Agicap

### Deployment & support

Qonto

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

Agicap

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

### Company Details

Qonto

-   By Qonto
-   Located in France
-   Founded in

Agicap

-   By AGICAP
-   Located in France
-   Founded in 2016

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