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Q

Qonto

VS

Grey Finance

Emerging market workers, freelancers, and global businesses

Grey Finance
Fees from
— vs Variable by payment method and corridor; FX charges apply
Features

0 shared

3 unique to Grey Finance
Regions

0 shared

1 unique to Qonto · 4 unique to Grey Finance
Pay methods

0 shared

3 unique to Qonto · 3 unique to Grey Finance
On licensing

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Show full specs
3 features · 6 payment methods · 5 regions. We don't rank these — they're here for reference.
Qonto
Grey Finance Grey Finance
Quick Facts
Fees
Standard transaction rate
—
Variable by payment method and corridor; FX charges apply
Settlement
Time to receive funds
—
1–2 business days
Founded
2017
2020
Headquarters
Paris, France
Wilmington, Delaware
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Grey Finance leads (3 vs 0)
Crypto Support Unique
—
✓
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Payment Methods
Ach Unique
—
✓
Bank Transfer Unique
—
✓
Mastercard Unique
✓
—
Sepa Unique
✓
—
Swift Unique
✓
—
Virtual Card Unique
—
✓
Regions
Grey Finance leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
✓
—
Latin America Unique
—
✓
Southeast Asia Unique
—
✓

Qonto is best when you...

Want coverage in Europe
Grey Finance doesn't cover this region
View Qonto

Grey Finance is best when you...

Emerging market workers, freelancers, and global businesses
Need Crypto Support
Not available with Qonto
Need Instant Payout
Not available with Qonto
Want coverage in Africa, Asia, Latin America, Southeast Asia
Qonto doesn't cover these regions
View Grey Finance

Frequently Asked Questions

What is the difference between Qonto and Grey Finance?
They share 0 payment methods and 0 regions. Qonto adds Mastercard, SEPA, SWIFT that Grey Finance does not list; Grey Finance adds ACH, Bank Transfer, Virtual Card that Qonto does not list; Qonto also covers Europe; Grey Finance also covers Africa, Asia and 2 more.
Which is cheaper, Qonto or Grey Finance?
Qonto has no published rate; Grey Finance has published rates from Variable by payment method and corridor; FX charges apply. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Qonto and Grey Finance?
Qonto lists 1 region and 3 payment methods; Grey Finance lists 4 and 3. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Qonto and Grey Finance compare on integration and settlement?
Grey Finance publishes a settlement time of 1–2 business days.

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