Qonto starts with the money. Worklyn starts with the work that earns it.

This comparison changed in 2026

A few months ago, the distinction was easier. Qonto was primarily an account, cards, payments, invoicing and bookkeeping preparation, and Worklyn could say it handled the client and project side Qonto did not. That is no longer completely accurate.

Qonto now has Projects. A project can have a client, an owner, a status, a closing date, quotes, invoices, expenses, linked Qonto transactions, revenue, expenses and profit. Its Project Tracking product can also organize billing by project or client, provide a client portal and show margin per project.

So we should not pretend Qonto stops at the bank account anymore. It doesn't.

But a Qonto project and a Worklyn project still mean different things

This is now the most important distinction. Qonto describes Projects as a way to organize sales opportunities and the financial documents around them: statuses, grouped quotes and invoices, attached expenses, project revenue and profit. That makes the project a useful commercial and financial container.

A Worklyn project is also where the work gets delivered. It can contain:

• Kanban boards
• phases
• tasks
• assignees
• priorities
• due dates
• checklists
• files
• client approvals
• tracked time
• project costs
• invoices
• payments
• margin

So the distinction is no longer that Qonto has no projects. Qonto asks what is happening financially around this engagement. Worklyn asks what we are delivering, and what is happening financially while we deliver it.

Qonto starts closer to the invoice

Qonto's sales workflow begins naturally with quotes and invoices. Every plan now includes unlimited compliant quotes and invoices. Customers can pay through Qonto's payment infrastructure, and advanced add-ons can add recurring invoicing, reminders and e-signatures. A quote can later be converted into an invoice.

For many businesses, that is enough. But some client work has more commercial structure before invoicing begins.

Worklyn starts with the agreement

In Worklyn, the sequence can be proposal, then contract, then project. A proposal carries scope, pricing and the commercial offer. An accepted proposal can become a dedicated contract, signed in the browser. Then the agreement stays linked to the project and invoices that follow.

That gives Worklyn a stronger fit for consulting and professional services where a quote being accepted and a contract being signed are not necessarily the same event.

Quotes and proposals solve slightly different problems

Qonto's quote functionality is tightly integrated with invoicing, and that makes sense: a quote describes what the customer will buy and for how much, and once accepted it can become an invoice without re-entering the same information.

Worklyn's proposals are designed around a broader engagement. The scope can later become part of the contract, the budget can move into the project, and the client relationship can then continue through delivery and invoicing.

So the difference is less about the PDF itself and more about what happens to its information afterward.

Contracts remain a real Worklyn difference

Qonto's Invoice Automation add-on now includes e-signatures on quotes. That is useful. But an electronically accepted quote is still not the same product concept as a dedicated contract workspace.

Worklyn handles contracts as their own stage. A contract can include terms around payment, scope, revisions, intellectual property, liability, confidentiality, termination and governing law, and remain linked to the proposal, client and downstream invoices.

For businesses where the agreement matters after the sale, that distinction is meaningful.

Time tracking is another clean dividing line

Qonto can tell you a surprising amount about a project's finances. But it does not currently operate as a time-tracking system. Worklyn can, and tracked time stays attached to the project and contributes to its financial picture.

That matters especially for consultants, agencies, freelancers, studios and professional services, where a project's cost is often not just what left the bank. The time spent delivering it matters too.

A €5,000 project can look very different depending on the work

Suppose the client agrees to €5,000 and there are €500 of external expenses. Qonto can associate those expenses with the project and calculate a financial profit based on project revenues and expenses. That is useful.

But now suppose the project also consumed 80 hours of your time. That changes the economics of the engagement. Worklyn includes tracked time inside its project-cost model alongside project expenses and collected payments.

So the financial question becomes not only what money came in and what money went out, but what the work itself consumed.

Qonto is extremely strong after money starts moving

This is where the comparison should give Qonto full credit. The financial workflow is Qonto's home territory. Transactions already originate inside the Qonto account. Receipts can be attached. Supplier invoices can be collected. Client invoices can be tracked. Transactions, invoices and expenses can be matched automatically. Accounting entries can be prepared. An accountant can access the resulting records.

Worklyn should not claim this is a missing part of Qonto. It isn't.

Qonto's pre-accounting is genuinely mature

Qonto explicitly positions its accounting product around pre-accounting. Its current system can centralize bank statements, transactions, client invoices, supplier invoices, expenses and receipts, and automatically match financial records with their supporting documents. Qonto also says its AI can generate draft accounting entries, which the business or accountant can then review before export.

This is deeper than the old Worklyn comparison acknowledged. So this page does not argue that Qonto lacks pre-accounting. That argument is gone.

Worklyn's advantage is the context before pre-accounting

The difference is what the financial record already knows before it reaches that stage. Consider an incoming payment. Qonto can know that this transaction paid this invoice, and that the invoice belongs to this client or project.

Worklyn can additionally carry:

• the proposal that won the work
• the contract that established the terms
• the project where the work was delivered
• the tasks behind delivery
• the hours spent
• the costs accumulated
• the client approvals
• the resulting margin

That is the kind of context Worklyn is built around.

Qonto can connect other banks too

This is another old Worklyn argument that should disappear. Qonto now supports external account aggregation: businesses can connect external professional bank accounts and payment services, then view their balances and transactions inside Qonto. Qonto says the feature is available across its plans and uses read-only access for those external accounts.

So the claim that Worklyn lets you keep your existing bank is no longer a meaningful standalone differentiator. Qonto can do that too.

The difference is whether you also want Qonto to be your bank

Although Qonto can aggregate external accounts, the product is fundamentally built around financial infrastructure. Its strongest value appears when Qonto is also holding the business account, issuing cards, making transfers, collecting payments, managing team spending, handling supplier payments, financing and controlling expenses.

Worklyn intentionally does none of those things. Its bank connections are read-only: it can import balances and transactions but cannot initiate payments, transfers or withdrawals.

That difference is architectural, not just a missing feature.

Qonto moves money. Worklyn observes it.

This is perhaps the cleanest technical distinction. Qonto can be the financial institution and payment platform itself; it can issue cards and initiate financial activity. Worklyn connects to your existing financial accounts with read-only permissions, watching what happened financially and connecting those events back to the work.

That means Worklyn is deliberately separated from custody and payment execution. For some businesses, that separation is desirable. For others, having everything inside Qonto is much more convenient.

Both products reconcile records

Qonto automatically matches transactions, invoices and expenses as part of its pre-accounting workflow. Worklyn also matches financial records, but deliberately waits for confirmation before closing the relationship: an incoming transaction against an open invoice, or an outgoing transaction against a receipt. Once confirmed, Worklyn considers the record reconciled and updates the connected operational records.

So reconciliation exists in both products. The differentiator is not the existence of matching. It is the surrounding operational context.

Receipts are also no longer a differentiator by themselves

Qonto is very good at receipt collection. Receipts can be attached directly to transactions, and Qonto's pre-accounting system can automatically match documents with the relevant financial records and flag missing documentation. Worklyn offers a similar concept through its receipt inbox and transaction matching workflow.

Again, saying Worklyn has receipt matching does not differentiate it from Qonto. The more meaningful Worklyn question is which client and project the cost ultimately affected.

Project costs reveal the overlap clearly

Qonto Projects now allow expenses to be connected directly to an existing Qonto transaction or created manually if the cost happened elsewhere. Worklyn similarly allows a transaction to be attached to a project, where it immediately contributes to project cost and margin. So the basic relationship from transaction to project cost exists in both.

What Worklyn adds around it is more of the delivery side: the contract, tasks, time, files, approvals, invoices and collected payments. That becomes the stronger argument.

Qonto's new Project Tracking changes the comparison

This deserves to be called out directly because it is new. Qonto's Project Tracking add-on now includes a client portal, quote and invoice organization, project and client grouping, status tracking and project margin. And Qonto Projects themselves can contain expenses connected to actual Qonto transactions.

That means Qonto is actively moving toward Worklyn's territory. The products overlap more today than they did earlier in 2026. The remaining difference is increasingly about how far into actual delivery each product wants to go.

The project is where the philosophies diverge

Consider the same €8,000 consulting engagement. Qonto can organize the client, quote, invoice, payment, project expenses and project profit. That is a strong financial view of the engagement.

Worklyn can organize the client, proposal, contract, project, tasks, time, expenses, invoice, payment, bank transaction, reconciliation and margin.

The difference is the middle. The actual work.