Updated September 29, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Qonto ES
AXI Card Tarjeta y Credito vs Qonto ES: the differences
| Compare |  AXI Card Tarjeta y Credito |  Qonto ES |
|---|---|---|
| APR | 21.59% | 19.5%Lower |
| Loan amount | up to €1,500 | €750 to €1,000,000Higher |
| Term | 1 month | 1 to 12 monthsHigher |
| Funding time | Immediate: credit line available on card activation | Answer within max 48 h, money in the Qonto account within a few days |
| Lender type | Direct lender | Broker |
| Eligibility | DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days | 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 | Credit line, Personal | Business, Credit line |
| Credit needed | Fair | Good |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | Not confirmed |
| Representative example | AXI Card: 500 EUR line drawn in full, 19.71% annual interest, payment of 508.10 EUR in the payment period, total cost of credit 8.10 EUR (TAE 21.59%) | Not confirmed |
| Free early repayment | Yes | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed).
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Key differences
- AXI Card Tarjeta y Credito scores higher overall: 9.0 vs 8.6.
- Qonto ES is licensed in 1 more country.
- Qonto ES is available in 28 more countries.
- APR is lower at Qonto ES: 19.5% vs 21.59%.
- Loan amount is higher at Qonto ES: €750 to €1,000,000 vs up to €1,500.
- Term is higher at Qonto ES: 1 to 12 months vs 1 month.
- Support channels: only Qonto ES offers Chat.
- Loan types: only AXI Card Tarjeta y Credito offers Personal.
- Loan types: only Qonto ES offers Business.
Our verdict on each
AXI Card Tarjeta y Credito
AXI Card Tarjeta y Credito suits Spanish residents who want a small, revolving line on a card rather than a long loan. Costs are light on setup at 0 EUR (card issuance and annual maintenance), but 21.59% sits above the site median of 12% and each payment period is 1.
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 | AXI Card Tarjeta y Credito | Qonto ES |
|---|---|---|
| Cost | 8.8HigherAPR of 21.59% against a site median of 12%, offset by 0 EUR (card issuance and annual maintenance) covering card issuance and annual maintenance. | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 9.0Higher |
| Trust | 9.2Higher | 8.3 |
Choosing between them
Pick AXI Card Tarjeta y Credito if cost and trust matter most.
Pick Qonto ES if offer, apr, loan amount, and term matter most.
Availability and regulation
| Country | AXI Card Tarjeta y Credito | Qonto ES |
|---|---|---|
| Bulgaria | Not confirmed | |
| France | Not confirmed | ACPR 16958 FR_ACPR PSD_PI FR_ACPR!68677 |
| Spain | Not confirmed | Banco de Espana 16958 |
Available in 2 countries for both. Additional countries for Qonto ES: 28.
How they place
| Ranking | AXI Card Tarjeta y Credito | Qonto ES |
|---|---|---|
| Lines of credit | 8 of 328 | 6 of 328 |
Sources behind this comparison
AXI Card Tarjeta y Credito
- axi-card.es: 18 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 | AXI Card Tarjeta y Credito | Qonto ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Credit line |
| Legal entity | Access Finance SL | QONTO |
| Headquarters | Spain | France |
| Support channels | Phone, Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Qonto ES | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 19.5%highest quarter | 8.99% |
| Loan amount | up to €1,500lowest quarter | €750 to €1,000,000highest quarter | €40,000 |
| Term | 1 monthlowest quarter | 1 to 12 monthslowest quarter | 60 months |
Median across 1005 listed lenders.
Pros and cons
AXI Card Tarjeta y Credito
Pros
- Early repayment is free, so a balance cleared inside the payment period stops accruing interest.
- Help is reachable on phone, email and help centre, which covers a phone line, an email address and a help centre.
- The rate type is fixed, so the interest charged on a drawn balance holds steady between payment periods.
Cons
- Interest runs at 21.59%, above the site median of 12% and above the starting point of the range Monzo Flex quotes at 10% to 23%.
- Applications run a hard credit check, so an application leaves a full search on the file whatever the outcome.
- The line stops at up to €1,500, so it will not stretch to a large expense.
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
AXI Card Tarjeta y Credito
Who it suits
- Borrowers in Spain who want a credit line attached to a card they use weekly and repay quickly.
- Anyone who prefers to clear a balance early, since early repayment costs nothing.
- Applicants with fair credit and no ASNEF registration who can pass a full credit check.
Who should look elsewhere
- Monzo Flex, whose quoted range of 10% to 23% starts below the 21.59% charged here.
- Cashspace ES, which lists an APR of 0% and so charges nothing on a balance.
- Cashspace, which quotes PHP 12 to PHP 36 and suits readers who want to compare rates across markets before settling on a card.
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 | AXI Card Tarjeta y Credito | Qonto ES |
|---|---|---|
| Austria | No | Yes |
| Belgium | 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
AXI Card Tarjeta y Credito
What does it cost to open and keep the card?+
Opening the card and keeping it active each year costs 0 EUR (card issuance and annual maintenance). That figure covers both card issuance and the annual maintenance charge, so there is no separate setup fee layered on top of the credit. The cost to watch sits in the interest rate instead, set at 21.59% and accruing on whatever balance you carry.
How is the rate set, and can it move?+
The rate type is fixed and the pricing model is a fixed rate, so the interest charged on a drawn balance holds steady between payment periods. The headline figure is 21.59%. The published terms describe that single rate rather than a promotional opening rate that later resets, so the figure on offer is the figure you pay.
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.
Other options to compare
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