Updated October 13, 2026 · BorrowCue Editorial Team
Anadi Bank vs Qonto ES
Facts checked September 26, 2026.
What sets them apart
| Compare |  Anadi Bank |  Qonto ES |
|---|---|---|
| Loan amount | €3,000 to €50,000 | €750 to €1,000,000Higher |
| Lender type | Direct lender | Broker |
| Eligibility | Must be of age, have residence in Austria (Wohnsitz im Inland) and pass the credit check | PragmaGO loan: registered office in Spain, company registered at least 1 year, 12 months of activity, any legal form or autonomo, minimum 250 EUR monthly turnover, Qonto account required |
| Loan types | Personal, Debt consolidation | Business, Credit line |
| APR | Not confirmed | 19.5% |
| Term | Not confirmed | 1 to 12 months |
| Funding time | Not confirmed | Answer within max 48 h, money in the Qonto account within a few days |
| Rate type | Not confirmed | Fixed |
| Credit needed | Not confirmed | Good |
Same on both: Credit check (Hard).
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Key differences
- Qonto ES is licensed in 1 more country.
- Qonto ES is available in 29 more countries.
- Loan amount is higher at Qonto ES: €750 to €1,000,000 vs €3,000 to €50,000.
- Support channels: only Qonto ES offers Chat.
- Loan types: only Anadi Bank offers Personal, Debt consolidation.
- Loan types: only Qonto ES offers Business, Credit line.
Our verdict on each
Anadi Bank
For borrowers seeking straightforward digital banking with personal support, Anadi Bank is an Austrian bank covering credit, savings and everyday accounts. It suits people who prefer online management with explanatory resources and convenient app based access for daily banking.
Qonto ES
Qonto suits Spanish businesses and sole traders that keep a Qonto account and want a fixed rate on a revolving facility. The trade-off is cost: at 19.5% with a hard credit check, it prices above the 12% median across the site, so the flexibility has to earn its place.
Score breakdown
| Area | Anadi Bank | Qonto ES |
|---|---|---|
| Cost | Not confirmed | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. |
| Offer | 9.4Higher | 9.0 |
| Trust | 9.2Higher | 8.3 |
Side by side, item by item
| Loan types | Anadi Bank | Qonto ES |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Business | No | Yes |
What we checked
Anadi Bank
- anadibank.com: 9 facts, checked September 26, 2026
Qonto ES
- qonto.com: 13 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Anadi Bank | Qonto ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Credit line |
| Legal entity | Austrian Anadi Bank AG | QONTO |
| Headquarters | Austria | France |
| Support channels | Email, Phone, Help centre | Chat, Email, Phone, Help centreCovers more |
Mortgages
| Fact | Anadi Bank | Qonto ES |
|---|---|---|
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Anadi Bank | Qonto ES | Median |
|---|---|---|---|
| APR | Not confirmed | 19.5%highest quarter | 8.99% |
| Loan amount | €3,000 to €50,000above the median | €750 to €1,000,000highest quarter | €40,000 |
| Term | Not confirmed | 1 to 12 monthslowest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Anadi Bank
Pros
- Austrian bank across digital banking, public finance and corporate banking
- Offers credit alongside savings, accounts and cards for daily needs
- Provides internet banking with tablet and mobile applications for access
Cons
- Focus stays on Austria, so options centre on one national market
- Digital emphasis favours online management over branch based routines
- Range centres on credit, savings, accounts and cards only
Qonto ES
Pros
- The rate is fixed (fixed), so the cost of drawn credit does not reset with market moves.
- The facility is a credit line (credit line) as well as a business loan (business and credit line), so one relationship covers a repeating need and a single large draw.
- Amounts run €750 to €1,000,000, wide enough for an equipment purchase or a payroll bridge.
Cons
- The rate of 19.5% sits above the 12% median across the site and up in the 24.92% band, which makes it an expensive way to borrow.
- The credit check is hard (hard) and the bar is good credit (good), so a thin file has no route here.
- The facility runs 1 to 12, so a drawn balance has to clear inside a short window rather than be spread over years.
Who each suits
Anadi Bank
Who it suits
- Borrowers who prefer digital banking with personal support
- Savers and account holders wanting simple online management
- People who value clear explanations of financial products
Who should look elsewhere
- Borrowers needing branch based banking outside digital channels
- People seeking products beyond credit, savings and accounts
Qonto ES
Who it suits
- Businesses registered in Spain that already run a Qonto account and need working capital between invoices.
- Autonomos and companies of any legal form that clear the eligibility bar and want a revolving line rather than a single lump sum.
- Firms that value a fixed rate (fixed) on short drawn balances more than the lowest headline number.
Who should look elsewhere
- Businesses chasing the lowest rate: Plazo ES lists 24.19% against Qonto's 19.5%, and that gap is worth pricing first.
- Anyone without a Qonto account or a registered office in Spain, because eligibility needs both, so Cashspace is the other listed name to check.
- Borrowers with a thin credit file, since the check is hard (hard) and the bar is good credit (good), so Vivus ES is worth checking for a softer route.
Current offers
Qonto ES
Current offer
Bonus
Welcome bonus (Bono de Bienvenida): 300 EUR
Open a Qonto business account; offer shown as valid only until 7/10; spend with your Qonto card to earn
Source, checked September 26, 2026
First period offer
Free Qonto months with first approved financing (Qonto x PragmaGO): 2 months of Qonto free, up to 1 year if requesting over 25,000 EUR
Approved financing request through the PragmaGO partner offer
Source, checked September 26, 2026
Country by country
| Country | Anadi Bank | Qonto ES |
|---|---|---|
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 30 countries where either is available.
Questions about each
Anadi Bank
What is Anadi Bank?+
Anadi Bank is an Austrian bank active in digital banking, public finance and corporate banking. It provides user friendly products for customers and aims to combine simple handling with attentive service.
What products does Anadi Bank cover?+
The bank covers credit, fixed term savings, online savings, accounts and cards. It also offers current and salary or pension accounts alongside internet banking access for everyday financial management.
Qonto ES
What rate do I pay on this business line?+
The listed rate is 19.5%, which sits above the 12% median across the site and up in the 24.92% band. Because the deal runs through a broker (broker), the partner lender's own pricing is what ends up on your offer, so treat the published figure as the number to test against other quotes.
Is the rate fixed, or can it change?+
It is fixed (fixed), and the pricing model is a fixed rate one (fixed rate). That is the commonest structure here, with 80.5% of the brands on the site pricing this way, so the rate you agree holds for the life of the drawn credit rather than resetting at renewal.
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