Qonto alternatives (2026)
These are the business banking brands AI engines name when buyers ask. Ranked by how often ChatGPT, Claude, Gemini, Perplexity and Copilot actually cite them over the last 90 days — not by reviews or paid placement.
Top Qonto alternatives by AI citation share
Starting price: $0/mo
Business banking + Mastercard debit card · Team debit cards with spending controls · Up to 10 sub-accounts called Pockets · Categorize expenses and scan receipts
Starting price: $0
No subscription fees · Free expense management platform · Free ACH and wire services · Automated accounts payable
Starting price: $0/user/month
Open multiple accounts · Collect in 20+ currencies · Unlimited multi-currency cards · AI expense policy agent
Starting price: £0/month
Unlimited outgoing transfers · First £1,000/month incoming free · Savings up to 3.66% AER · Free MTD ITSA filing
- #6Bluevine
Starting price: £5/month
Free invoicing & payment links · Receipt capture & storage · FSCS protection for deposits · Automatic categorisation
- #10Juni
Starting price: 79 EUR/month
Cashback on eligible spend · Multi-currency IBANs · Juni cards · Up to 38 days credit card repayments
- #11Lili
Starting price: $18/month after one-month free trial for BusinessBuild
Live support, 7 days a week · Cashback for Pro, Smart, Premium · Accounting software for Smart, Premium · Variable APY for Savings Account
- #12Mercury
Starting price: $0/month
Banking services for $0 · Invoicing API available · Recurring invoices available · Unlimited 1099 tax filings
How this list is built
We put the buyer questions people actually ask in business banking to five AI engines on a recurring schedule and record which brands get named. The ranking above is the share of those answers naming each brand over the last 90 days. No paid placement, no review scores.