Arc
Software-driven banking & growth capital for startups
Qonto
The finance solution that energizes SMEs and freelancers.
Updated June 2026
| Arc | Qonto | |
|---|---|---|
| Rating | 4.9★ | 3.0★ |
| Reviews | 20 | 2 |
| Pros | 17 | 0 |
| FactScore™ | 64.3 | 14.3 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Pros & Cons
Only in Arc — Pros
Excellent customer support Comprehensive startup banking Modern UX/UI Responsive team Fast account setup High yield savings Secure platform Software-driven banking Efficient cash management Fast product development Tech-centric platform Growth capital access Community trust High interest rates Integrated financial products No equity requirement Transparent processBoth tools — Pros
—Only in Qonto — Pros
No unique pros listedOnly in Arc — Cons
Billing issuesBoth tools — Cons
—Only in Qonto — Cons
—Details
| Arc | Qonto | |
|---|---|---|
| Categories | Online banking, Financial planning, Neobanks, Treasury management platforms | Budgeting apps, Invoicing tools, Online banking |
| Platforms | Web | Web |
| Added | June 29, 2023 | January 16, 2017 |
| Website | www.arc.tech | qonto.com |
Who Should Pick Which?
Choose Arc if...
- Excellent customer support
- Comprehensive startup banking
- Modern UX/UI
Choose Qonto if...
- No unique pros listed
With a FactScore™ of 64.3 vs 14.3, Arc leads in community reception. Arc uniquely offers Excellent customer support and Comprehensive startup banking, while Qonto stands out for No unique pros listed.
What Users Say
Arc
Arc has become widely used and well-regarded in the YC Community, which has high standards for products like this. Many YC companies tell us they love Arc and have had a great experience. In the wa...
We recently became customers of Arc at Momentum, but have been following their progress for the last 9 months or so. The speed at which they've been able to ship a full suite of products for startu...
HUGE fan of Arc, they have made everything so simple that we have basically automated all of our startup banking needs. It also doesn't hurt that we get 5%+ APY on our savings in the account. 10/10...
Qonto
Qonto makes business banking seamless. From expense management to invoicing, it’s the perfect financial companion for startups and SMBs. We love how easy and efficient it is!
Great service. But when updating their app to Android they just gave clients a 15 days notice in the middle of summer break (19 Aug). A shame. I'm not using Qonto anymore.
Related Comparisons
Frequently Asked Questions
Which is better, Arc or Qonto?
Based on FactScore™, Arc leads with a score of 64.3 vs 14.3. Arc has a higher rating of 4.9★ compared to 3.0★.
What are the pros of Arc compared to Qonto?
Arc uniquely offers: Excellent customer support, Comprehensive startup banking, Modern UX/UI, Responsive team, Fast account setup.
What are the pros of Qonto compared to Arc?
Qonto uniquely offers: No unique pros listed.
Is Arc better rated than Qonto?
Arc is rated 4.9★ from 20 reviews. Qonto is rated 3.0★ from 2 reviews.
What is the FactScore™ of Arc and Qonto?
FactScore™ weighs rating and review volume together. Arc scores 64.3 and Qonto scores 14.3.
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