Qonto vs Credflow Comparison

92% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more

Qonto

Accounting Software

4.5 1,819 user ratings

Get Free Advice

79% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more

Credflow

Accounting Software

1 1 user ratings

Get Free Advice

Overview

Description	Qonto is an easy business banking solution for entrepreneurs and startups. This all-in-one online business accounting platform helps SMEs and freelancers create business accounts as per convenience. Thus getting access to simplified accounting flow and transparent solutions. The services and features delivered by this platform are trusted widely by over 2,00,000 businesses located in different parts of the globe. Organizations are provided with a secure platform that safeguards the funds through FGDR (a French financial crises operator) services. Also, access to MasterCard business cards, with SEBA and SWIFT transfers enabled, is available with a subscription to Qonto. Furthermore, users can enjoy facilities like automated bookkeeping and team expense management besides streamlining and optimizing their work effectively. Also, integration with top third-party applications like Slack, Accountable, AXA, Pennylane, Zettle, etc makes user-wise task management a lot simpler to handle. Beyond this, users can also depend on the same to create multiple accounts with dedicated IBANs for organized management of expense items, activities, and team budgeting. Read more	Credflow is an SME managing software that helps small enterprises with handling finances. The platform helps businesses to manage their cash flow and make decisions by applying deep insights. Moreover, businesses can reduce their dependency on the accounts department by a smooth distribution of information even when the services are remote. Companies can also track communication history with clients. Businesspersons can create schemes of incentives for their debtors. Besides, they can avoid poor debts and control their credit extension. It also provides real-time reports for promoters that are auto-generated. Businesspersons opting for their services get automated reminders of payment along with invoice auto-sharing. It further helps the companies with an understanding of their finances by projecting cash flow, analysing the ageing of debtors and the average period of collection. Besides, the data input is secured with multiple layers of security. It does the job by end-to-end encryptions with a strict privacy policy. Read more
Pricing Options	Free Trial Available Offers Custom plan.	Free Trial Not Available
SW Score & Breakdown	92% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more Features The Feature Score % is calculated using the weighted average method, where core features hold more weight in the final calculation. Read more 94% Reviews 85% Momentum 66% Popularity 88%	79% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more Features The Feature Score % is calculated using the weighted average method, where core features hold more weight in the final calculation. Read more 79% Reviews 60% Momentum 63% Popularity 84%
SaaSworthy Awards	# 11 Fastest Growing # 8 Most Popular	Not Available

Features

Total Features	13 Features	7 Features
Common Features for All	Accounts Payable Handling the money owed by a business to its suppliers. Accounts Receivable Handling the money the client owes to the company. Bank Reconciliation Matching the balances of an entity's accounting records with the corresponding information on a bank statement. Billing and Invoicing This feature helps in issuing and handling the invoice and bills. Cash Management Collection and management of cash. Collections Recovery of cash from a business or individual. Expense Tracking Keep a count of your day to day expenses as well as allows you to quickly identify where the expense report is in the approval process. General Ledger Maintaining and recording all the accounting related transactions. Multi-Currency Enables payment and collection in multiple currencies. Payroll Handling the salary payable to the employees Project Accounting Creation of financial reports specifically designed to track the financial progress of projects Purchasing Acquiring goods or services required for the business at minimal cost Tax Management Management of finances for payment of tax as well as assessing the advance tax liability to pay your tax in time + 10 More - Show Less	Accounts Payable Handling the money owed by a business to its suppliers. Accounts Receivable Handling the money the client owes to the company. Bank Reconciliation Matching the balances of an entity's accounting records with the corresponding information on a bank statement. Billing and Invoicing This feature helps in issuing and handling the invoice and bills. Cash Management Collection and management of cash. Collections Recovery of cash from a business or individual. Expense Tracking Keep a count of your day to day expenses as well as allows you to quickly identify where the expense report is in the approval process. General Ledger Maintaining and recording all the accounting related transactions. Multi-Currency Enables payment and collection in multiple currencies. Payroll Handling the salary payable to the employees Project Accounting Creation of financial reports specifically designed to track the financial progress of projects Purchasing Acquiring goods or services required for the business at minimal cost Tax Management Management of finances for payment of tax as well as assessing the advance tax liability to pay your tax in time + 4 More - Show Less

Technical Details

Organization Types Supported	Individuals Freelancers Large Enterprises Medium Business Small Business	Individuals Freelancers Large Enterprises Medium Business Small Business
Platforms Supported	SaaS/Web/Cloud Mobile - Android Mobile - iOS	SaaS/Web/Cloud Mobile - Android Mobile - iOS
Modes of Support	Business Hours Online	Business Hours Online
API Support	Available	NA

Reviews & Ratings

User Rating	4.5/5 1,819 user ratings	1/5 1 user ratings
Rating Distribution	Excellent 81% Very Good 5.8% Average 0.8% Poor 1.3% Terrible 11%	Excellent 0% Very Good 0% Average 0% Poor 0% Terrible 100%
User Sentiments	Easy Account Setup, Efficient Customer Service, User-Friendly Interface, Fast Transaction Speed Check Deposit Processing Delays, Account Closures, Lack of Physical Branches, Limited International Transfer Options	Not Available
Review Summary	Review analysis indicates that users generally appreciate Qonto's user-friendly interface, efficient customer support, and innovative features for managing finances. Many users highlight the convenience of integrating their business accounts, categorizing transactions, and tracking expenses. However, some reviewers express concerns regarding occasional technical glitches, limited customization options, and high fees associated with specific services. Overall, users acknowledge Qonto's effectiveness in simplifying financial management but suggest improvements in stability, flexibility, and pricing transparency.	Not Available
	Read All User Reviews	Read All User Reviews

AI-Generated from the text of User Reviews

Pricing

Pricing Options	Free Trial Available Offers Custom plan.	Free Trial Not Available
Pricing Plans Monthly Plans Annual Plans	Basic Pack (Company Creators) Others Smart Pack (Company Creators) Others Essential Pack (Company Creators) Others Basic (Self-Employed) Others Smart (Self-Employed) Others Premium (Self-Employed) Others Essential (Micro-businesses (1-9 Employees)) Others Business (Micro-businesses (1-9 employees)) Others Enterprise (Micro-businesses (1-9 Employees)) Others Business (SMEs (10-250+ employees)) Others Enterprise (SMEs (10-250+ Employees)) Others Build Your Own (SMEs (10-250+ Employees)) Custom	Lite (Tally) Others Saver (Tally) Others Best Value Pack (Tally) Others Basic (Busy) Others Pro (Busy) Others Premium (Busy) Others
	View Detailed Pricing	View Detailed Pricing

Alternatives

	Finmap QuickFile 4.8 2,696 ratings Qonto Vs QuickFile Clear Books 4.4 341 ratings Qonto Vs Clear Books easybook.io Qonto Vs easybook.io BlackLine 4.7 279 ratings	Sage Business Cloud Accounting 4.2 440 ratings Credflow Vs Sage Business Cloud Accounting TallyPrime 4.5 360 ratings Credflow Vs TallyPrime TimePay Credflow Vs TimePay AccountsIQ 4.6 60 ratings Credflow Vs AccountsIQ AccooWare Credflow Vs AccooWare
	View All Qonto Alternatives	View All Credflow Alternatives