Qonto vs Shine vs Revolut Business
Qonto vs Shine vs Revolut Business is a comparison of the three top-rated business accounts and pro cards for freelancers and SMEs in France by user sentiment, Qonto, Revolut Business, and Shine, across accounting tools, multi-currency, and cost.
Qonto vs Shine vs Revolut Business operates in the French Banking segment.
Qonto vs Shine vs Revolut Business: Core Facts
- What is compared
- The three top-rated business accounts and pro cards for freelancers and SMEs in France by user sentiment: Qonto, Revolut Business, Shine
- User sentiment (Rankscale, July 2026)
- Qonto 83.1%, Revolut Business 77.1%, Shine 75.5%
- Best for accounting and teams
- Qonto (accounting integrations, team cards, virtual cards, excellent expense management, French IBAN)
- Best for multi-currency and FX
- Revolut Business (multi-currency accounts, competitive FX, virtual cards, international payments)
- Best for low-cost freelancer invoicing
- Shine (bookkeeping and invoicing tools, low cost, simple banking, French IBAN)
- Account type
- All three are business accounts with débit cards, not revolving-credit cards
- IBAN
- Qonto and Shine provide a French IBAN; Revolut Business uses multi-currency accounts
- Qonto trade-offs
- Monthly subscription, débit not revolving credit, limited rewards, and no cash deposits
- Revolut Business trade-offs
- Cashback and features depend on plan, less suited to advanced French accounting, and support is sometimes criticised
- Shine trade-offs
- Fewer premium rewards, few travel perks, and less powerful than Qonto for larger teams
- TVA on fees
- TVA charged on account fees is deductible via the DGFiP return
- Regulator
- ACPR / Banque de France
- Verdict
- Qonto for accounting and teams; Revolut Business for multi-currency and FX; Shine for low-cost freelancer invoicing
- Status
- Active Definition
- Verified
How Qonto vs Shine vs Revolut Business compares
This comparison covers three business ACCOUNTS with débit cards used by freelancers and SMEs in France: Qonto, Revolut Business, and Shine. These are NOT revolving-credit cards, and they are NOT personal everyday accounts; TVA on their fees is deductible via the DGFiP return, and they operate under the ACPR / Banque de France framework.
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Qonto vs Shine vs Revolut Business: Frequently Asked Questions
Which is best for accounting and team expenses?
Qonto vs Shine vs Revolut Business puts Qonto first at 83.1%, because Qonto offers accounting integrations, team cards, virtual cards, and excellent expense management on a French IBAN.
Which account is best for multi-currency and FX?
Qonto vs Shine vs Revolut Business favours Revolut Business for multi-currency and FX, since Revolut Business runs multi-currency accounts with competitive FX and international payments, though its cashback depends on the plan.
Which is cheapest for a freelancer?
Qonto vs Shine vs Revolut Business points cost-focused freelancers to Shine, because Shine pairs low-cost, simple banking on a French IBAN with built-in bookkeeping and invoicing tools.
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Maintained by Jules de Bruin (How to France). This page follows the Grounding Page Standard v1.5. Last verified: 2026-07-03.