Meow Card vs Qonto
For spending abroad FX markup matters, and Qonto does better (2% vs 3%). In our editorial rating Qonto leads (4.5 vs 4.0). In short: Meow Card if your usage matches its strength, Qonto otherwise — the numbers above beat any slogan.
| Meow Card | Qonto | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 4.0 | ★ 4.5 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| Network | Visa | — |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | US · 1+ countries | EEA · 6+ countries |
| Regulator | SEC, FDIC (via banche partner) | ACPR |
| OAM Italy registration | No | — |
| Segment | B2B | B2B |
| IBAN | — | dedicato · FR, DE, IT, ES |
| Multi-currency | — | No (single currency) |
| Outbound transfers to third-party IBANs | — | Yes |
| Utility direct billing | — | Yes |
| SEPA direct debit (SDD) | — | Yes |
| On-chain crypto withdrawal | — | No |
| SEPA transfer | — | Free |
| Interest on balance | — | 2% |
| Regions | US | EU/EEA |
| Licences & safety | FDIC (banche partner: Cross River Bank, Grasshopper Bank, N.A.), SEC-registered investment adviser (Meow Advisory LLC) | Payment Institution |
Frequently asked questions
Meow Card vs Qonto: which is better?
For spending abroad FX markup matters, and Qonto does better (2% vs 3%). In our editorial rating Qonto leads (4.5 vs 4.0). In short: Meow Card if your usage matches its strength, Qonto otherwise — the numbers above beat any slogan.
Which is cheaper, Meow Card or Qonto?
On the standard spending profile Meow Card has the lowest net annual cost: €0 versus €0 for Qonto.
Is Meow Card custodial or self-custody?
Meow Card is custodial: funds are held by the platform, while Qonto is custodial.
Which is better for spending abroad?
For foreign-currency spending Qonto wins, with the lowest FX markup: 2%.