Qonto vs Vivid Business: what each publishes
As of October 7, 2026
The published rules of Qonto and Vivid Business, side by side: which industries each excludes or accepts, where owners must live, which countries each names, the licence each holds and the fees each publishes. Each answer links to the page that quotes the rule with the date we read it.
This is not a ranking, and the two names are in alphabetical order. Either provider may still decline your company because of its activity, where it is registered, where its owners live or which licence it holds. The free check applies the rules of every provider in our base to your answers.
Policy by industry
| Industry | Qonto | Vivid Business |
|---|---|---|
| Crypto | Depends on the activity | Depends on the activity |
| iGaming | No | With conditions |
| Adult | No | With conditions |
| Unlicensed financial services | No | With conditions |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | No | With conditions |
| Marketplace | No | With conditions |
Qonto
Vivid BusinessLicence
| Licensee | Qonto | Vivid Business |
|---|---|---|
| Licensee | Qonto SA · payment institution authorised by the ACPR (CIB 16958) | Vivid Money S.A. · electronic money institution authorised by the CSSF, Luxembourg (W00000015) · Dutch branch on the DNB register (R199916) |
| Regulator | ACPR · | CSSF / DNB (Dutch branch) · |
Where owners must live
Qonto
No published rule
Vivid Business
All directors must have a residence in an EEA country or Switzerland.
Rules about countries
Qonto
Qonto is available in 8 markets: France, Italy, Spain, Germany, Portugal, Belgium, Austria, and the Netherlands. Foreign companies can open a Qonto account if they are registered and headquartered in one of these countries.
Austria, Belgium, France, Germany, Italy, Netherlands, Portugal, Spain
Vivid Business
Any company’s legal entity must be registered within Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Malta, the Netherlands, Norway, Poland, Romania, Slovakia, Slovenia, Spain, Sweden or Switzerland.
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Malta, Netherlands, Norway, Poland, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland
Fees
Qonto
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Basic (self-employed) | Not stated | EUR 9 + VAT (monthly equivalent of an annual plan billed EUR 108; monthly billing also available, price not shown) | · Source |
| Smart (self-employed) | Not stated | EUR 19 + VAT (monthly equivalent, billed annually at EUR 228) | · Source |
| Premium (self-employed) | Not stated | EUR 39 + VAT (monthly equivalent, billed annually at EUR 468) | · Source |
| Essential (business teams) | Not stated | EUR 49 + VAT (monthly equivalent, billed annually at EUR 588) | · Source |
| Business (business teams) | Not stated | EUR 109 + VAT (monthly equivalent, billed annually at EUR 1,308) | · Source |
| Enterprise (business teams) | Not stated | EUR 199 + VAT (monthly equivalent, billed annually at EUR 2,388) | · Source |
Vivid Business
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Free Start | Not stated | EUR 0 | · Source |
| Basic | Not stated | EUR 8.9 a month billed monthly; EUR 6.9 a month billed annually | · Source |
| Pro | Not stated | EUR 24.9 a month billed monthly; EUR 18.9 a month billed annually | · Source |
| Enterprise | Not stated | EUR 96 a month billed monthly; EUR 79 a month billed annually | · Source |
| Enterprise+ | Not stated | EUR 319 a month billed monthly; EUR 249 a month billed annually | · Source |