Qonto alternative

A Qonto alternative that doesn't ask you to change banks.

Qonto is a solid business account for EU freelancers and SMEs, an IBAN, cards, and some invoicing and bookkeeping tools layered on top. Worklyn isn't a bank and doesn't try to be one. It's the workspace that sits on top of the account you already have: proposals, contracts, time tracking, projects, a receipt inbox, and an AI that runs the parts of the business a bank account was never built to handle.

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Keep your bank, EU banking via EnableBanking · Proposals, contracts, time & projects native · Free plan included

Who each one is for

Two good tools, different shapes.

Qonto holds and moves the money. Worklyn runs the work that earns it. Plenty of EU freelancers and small studios end up using both, one for the account, one for the client side.

Worklyn is for the client-facing work around the account

Proposals, contracts with e-sign, time tracking, projects and invoicing, plus a receipt inbox that files itself and reports on where the money's actually going. Connect the bank you already have, in the EU or UK through EnableBanking, and Worklyn becomes the workspace that runs alongside it, not instead of it.

Qonto is a real business account for EU companies

Qonto issues an IBAN and physical and virtual cards, and adds invoicing and light bookkeeping tools on top. It's built for businesses registered in the EU markets it serves, mainly France, Germany, Italy, Spain and a handful of others, as of mid-2026, and it's a genuinely good place to hold the money.

Side by side

Worklyn and Qonto, side by side

These solve different problems. Qonto is the account and the cards. Worklyn is the work that fills the account, invoices, hours, proposals, contracts, and the reporting on top.

	WorklynThe work side, not the bank	QontoEU business account
What it actually is	A work + money workspace, not a bank	A business bank account with IBAN & cards
Business account & IBAN	Not offered, connects to the bank you already have	Yes, local IBAN in the EU markets it serves
Physical & virtual cards	Not offered	Yes, team cards included
Connected bank feeds	US & CA (Plaid), EU & UK (EnableBanking)	N/A, it is the account
Invoicing & payments	Yes, card & bank transfer	Yes, invoicing tools on top of the account
Proposals & contracts (e-sign)	Yes, contracts + e-sign	Not the focus
Time tracking & projects	Yes, global timer + Kanban boards	Not offered
Receipts inbox (OCR + match suggestions)	Yes, OCR + suggested bank match	Receipt capture for spend tracking
AI assistant	AI CFO + assistant that acts across the workspace	Not the focus
AI CFO / cash-flow intelligence	Finds unbilled money, forecasts cash, chases overdue invoices	Not offered
Pricing model	Free, Pro €19.99, Business €39.99 (flat per workspace)	Tiered monthly plans, roughly €9 to €200+ by tier

Comparison reflects each product's public positioning as of mid-2026 — check their site for current details. These are good products serving a different shape of customer; this is about fit, not quality.

Why Worklyn

Where Worklyn fits in

Qonto is good at being a bank account. Worklyn is good at being everything a bank account was never meant to do.

The work Qonto doesn't touch

Proposals, contracts with e-sign, projects on a Kanban board and time tracking sit next to invoicing, all in the same workspace as the money. Qonto's invoicing add-on covers the basics; it stops there.

Still connects to your bank

EU and UK accounts connect through EnableBanking, and US and Canadian accounts through Plaid, so transactions flow into Worklyn's ledger next to the work that earned them, wherever your account sits.

An AI that does the busywork

Draft invoices and contracts, log time from plain English, read receipts and categorize transactions. Forward a client brief and it drafts the proposal, then turns an accepted one into a contract and an invoice in a click.

Flat pricing, not a tiered ladder

Free to start, Pro €19.99, Business €39.99, flat per workspace. No stepping up a plan to unlock more transfers or a second local IBAN.

An AI CFO, included in every paid plan, finds unbilled hours, chases overdue invoices and forecasts your cash. Everything here is live and shipping today.

FAQ

Questions about Worklyn and Qonto

Does Worklyn replace my Qonto account?

No, and it isn't trying to. Worklyn doesn't hold money, issue IBANs or issue cards, it's a workspace, not a bank or an e-money institution. Keep your Qonto account for the banking side and use Worklyn for proposals, contracts, invoicing, time, projects and reports on top of it.

Does Worklyn connect to my Qonto account?

Worklyn connects EU and UK bank accounts through EnableBanking, and US and Canadian accounts through Plaid. Coverage depends on what each provider supports at any given time, check Worklyn's connection flow for your specific bank when you're setting up.

Why would I need Worklyn if I already have Qonto?

Qonto is the account and the cards. It doesn't do proposals, contracts with e-sign, project boards, time tracking or an AI CFO that chases overdue invoices and forecasts cash. Worklyn covers the client-facing and delivery side of the business that a bank account was never built for.

Is Worklyn only for EU businesses like Qonto?

No. Worklyn is multi-currency in EUR, USD and TRY, and connects banks across the US and Canada as well as the EU and UK. Qonto only serves businesses registered in the EU markets it operates in.

How does the pricing compare?

Worklyn is flat per workspace: Free, Pro at €19.99/mo, Business at €39.99/mo. Qonto uses tiered monthly plans that scale with users, transfers and cards, roughly €9 to €200+ a month depending on tier. Check Qonto's site for current rates.

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