Updated September 29, 2026 · BorrowCue Editorial Team
Moneyveo UA vs Qonto ES
Moneyveo UA vs Qonto ES: the differences
| Compare |  Moneyveo UA |  Qonto ES |
|---|---|---|
| APR | 3.65% to 357.77%Lower | 19.5% |
| Loan amount | UAH 500 to UAH 50,000 | €750 to €1,000,000 |
| Term | 60 monthsHigher | 1 to 12 months |
| Funding time | 24/7, to any Ukrainian bank card immediately after contract signing | Answer within max 48 h, money in the Qonto account within a few days |
| Lender type | Direct lender | Broker |
| Eligibility | Ukrainian citizenship, age 18+, Ukrainian bank card, passport and tax ID, internet access | 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, Payday, Credit line | Business, Credit line |
| Credit needed | Poor | Good |
| Arrangement fee | 0 UAH (0% of loan amount on first Smart loan) | Not confirmed |
| Credit check | Not confirmed | Hard |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Rate type (Fixed).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Moneyveo UA scores higher overall: 9.3 vs 8.6.
- Qonto ES is licensed in 1 more country.
- Qonto ES is available in 29 more countries.
- APR is lower at Moneyveo UA: 3.65% to 357.77% vs 19.5%.
- Term is higher at Moneyveo UA: 60 months vs 1 to 12 months.
- Features: only Moneyveo UA offers Same day funding.
- Loan types: only Moneyveo UA offers Personal, Payday.
- Loan types: only Qonto ES offers Business.
Our verdict on each
Moneyveo UA
Moneyveo UA suits Ukrainian borrowers with thin credit files who need cash the same day, not anyone planning a long cheap loan. Rates are fixed and APR runs 3.65% to 357.77%, so the cost of borrowing depends heavily on the deal you are offered.
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 | Moneyveo UA | Qonto ES |
|---|---|---|
| Cost | 9.4HigherAPR of 3.65% to 357.77% against a payday median of 36.5%, on a fixed rate. | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. |
| Offer | 9.8Higher | 9.0 |
| Trust | 8.9Higher | 8.3 |
Where each is licensed and available
| Country | Moneyveo UA | Qonto ES |
|---|---|---|
| France | Not confirmed | ACPR 16958 FR_ACPR PSD_PI FR_ACPR!68677 |
| Spain | Not confirmed | Banco de Espana 16958 |
| Ukraine | National Bank of Ukraine (NBU) 27-0025/18457 | Not confirmed |
Additional countries for Moneyveo UA: 1. Additional countries for Qonto ES: 30.
Side by side, item by item
| Loan types | Moneyveo UA | Qonto ES |
|---|---|---|
| Personal | Yes | No |
| Payday | Yes | No |
| Credit line | Yes | Yes |
| Business | No | Yes |
Where they rank in our lists
| Ranking | Moneyveo UA | Qonto ES |
|---|---|---|
| Lines of credit | 13 of 328 | 6 of 328 |
Sources behind this comparison
Moneyveo UA
- moneyveo.ua: 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 | Moneyveo UA | Qonto ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit lineCovers more | Credit line |
| Legal entity | TOV "MANIVEO SHVYDKA FINANSOVA DOPOMOGA" (EDRPU 38569246) | QONTO |
| Headquarters | Ukraine | France |
| Founded | 2013 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centre | Chat, Email, Phone, Help centre |
Where each stands against the rest
| Fact | Moneyveo UA | Qonto ES | Median |
|---|---|---|---|
| APR | 3.65% to 357.77%lowest quarter | 19.5%highest quarter | 8.99 |
| Term | 60 monthsat the median | 1 to 12 monthslowest quarter | 60 months |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Moneyveo UA
Pros
- Money lands on any Ukrainian bank card right after the contract is signed
- Free early repayment, so paying off sooner costs nothing extra
- Arrangement fee of 0 UAH (0% of loan amount on first Smart loan) on the first Smart loan
Cons
- APR of 3.65% to 357.77% tops out far above the payday median of 36.5%
- The file is built for poor credit, so poor is the target rather than a strong profile
- Term of 60 is the longest most lenders on the list offer
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
Moneyveo UA
Who it suits
- Ukrainian citizens with a thin credit file and an urgent bill
- Borrowers happy to take a fixed rate on a personal, payday or credit line loan
- Anyone who can settle part of the balance early without a charge
Who should look elsewhere
- Borrowers wanting the lowest cost, who should compare rates on Monzo Flex at 10% to 23%
- Anyone needing a long term, since the 60 term outruns most rivals
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
Moneyveo UA
Current offer
First period offer
First Smart loan at 0.01% per day: 0.01% per day
First Smart loan, discount period 3-20 days, up to 50 000 UAH, no issuance commission
Source, checked September 26, 2026
Bonus
We give a better deal than competitors: +10% discount versus a competitor offer
Compared with a discount offered by another service; 10% increase over the competitor discount
Source, checked September 26, 2026
First period offer
Grace period: 3 extra days to repay
Grace period on the first loan
Source, checked September 26, 2026
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 | Moneyveo UA | Qonto ES |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 31 countries where either is available.
Questions about each
Moneyveo UA
What does Moneyveo charge to borrow?+
APR runs from 3.65% to 357.77% across personal, payday and credit line loans on a fixed rate, fixed. The arrangement fee is 0 UAH (0% of loan amount on first Smart loan), so the first Smart loan carries none. Early repayment is free, which keeps the total down if the money comes back early.
How fast is the money?+
Funding runs day and night straight to any Ukrainian bank card, immediately after the contract is signed. Same day funding is one of the features listed for the brand, same day funding and credit line, which is the main reason borrowers choose it over a bank that pays out in days.
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
Other matchups
- Qonto ES vs Sofkredit
- Qonto ES vs Andacredito
- Moneyveo UA vs Plazo ES
- Qonto ES vs 5in5
- Moneyveo UA vs Multitude Bank p.l.c
- Moneyveo UA vs Cashspace
- Moneyveo UA vs Solcredito
- Moneyveo UA vs Lendela
- Moneyveo UA vs BriteCap Financial
- Moneyveo UA vs Kredivo
- Moneyveo UA vs TF Bank
- Moneyveo UA vs Upgrade
- Qonto ES vs Novo
- Qonto ES vs Nazivnost
- Qonto ES vs Smartney