Updated September 29, 2026 · BorrowCue Editorial Team
Qonto ES vs Wannacash ES
What sets them apart
| Compare |  Qonto ES |  Wannacash ES |
|---|---|---|
| Loan amount | €750 to €1,000,000Higher | €50 to €900 |
| Term | 1 to 12 monthsHigher | 1 month |
| Credit check | Hard | None |
| Funding time | Answer within max 48 h, money in the Qonto account within a few days | Money in the account in under 15 minutes after approval; usually same day as the application |
| Eligibility | 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 | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Business, Credit line | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more |
| Credit needed | Good | Poor |
| APR | 19.5% | Not confirmed |
| Arrangement fee | Not confirmed | 0 EUR - WannaCash charges the applicant nothing |
| Rate type | Fixed | Not confirmed |
Same on both: Lender type (Broker).
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Key differences
- Qonto ES scores higher overall: 8.6 vs 8.3.
- Qonto ES is available in 29 more countries.
- Loan amount is higher at Qonto ES: €750 to €1,000,000 vs €50 to €900.
- Term is higher at Qonto ES: 1 to 12 months vs 1 month.
- Support channels: only Qonto ES offers Chat, Help centre.
- Features: only Qonto ES offers Credit line.
- Features: only Wannacash ES offers Same day funding.
- Loan types: only Wannacash ES offers Personal, Payday, Student.
Our verdict on each
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.
Wannacash ES
WannaCash suits borrowers in Spain who need a small personal or payday loan the same day and prefer a fee of 0 EUR - WannaCash charges the applicant nothing for the arrangement, though as a broker it passes the rate on from a third party lender.
Score breakdown
| Area | Qonto ES | Wannacash ES |
|---|---|---|
| Cost | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. | Not confirmed |
| Offer | 9.0Higher | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.3 | 8.3 |
Licences and countries
| Country | Qonto ES | Wannacash ES |
|---|---|---|
| France | ACPR 16958 FR_ACPR PSD_PI FR_ACPR!68677 | Not confirmed |
| Spain | Banco de Espana 16958 | Not confirmed |
Available in 1 country for both. Additional countries for Qonto ES: 29.
Side by side, item by item
| Loan types | Qonto ES | Wannacash ES |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Credit line | Yes | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Business | Yes | Yes |
| Student | No | Yes |
What we checked
Qonto ES
- qonto.com: 13 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Wannacash ES
- wannacash.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Qonto ES | Wannacash ES |
|---|---|---|
| Business loans | 5 of 435 | 4 of 435 |
Every fact side by side
| Fact | Qonto ES | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding |
| Legal entity | QONTO | 7eBiz International SL |
| Headquarters | France | Spain |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Qonto ES | Wannacash ES | Median |
|---|---|---|---|
| APR | 19.5%highest quarter | Not confirmed | 8.99% |
| Loan amount | €750 to €1,000,000highest quarter | €50 to €900lowest quarter | €40,000 |
| Term | 1 to 12 monthslowest quarter | 1 monthlowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
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.
Wannacash ES
Pros
- A fee of 0 EUR - WannaCash charges the applicant nothing means the arrangement adds no cost to the borrowing.
- Funding is quick: money lands in the account minutes after approval, usually the same day as the application.
- The credit check is none, and eligibility rests on a Spanish bank account and recurring income, with no payroll or guarantor required.
Cons
- The cap on €50 to €900 sits far below €100 to €5,000 at Cashspace ES, so anyone covering a larger cost needs a different lender.
- The credit needed is poor, which tells you the pricing is aimed at applicants with a weaker credit history rather than the strongest files.
- WannaCash is a broker, so the offer you receive is set by a third party lender rather than by the broker you apply through.
Who each suits
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.
Wannacash ES
Who it suits
- Adults in Spain who hold a Spanish bank account, have recurring income and need a small personal or payday loan the same day.
- Borrowers with poor credit who do not want a credit check run against them and want to skip the payroll and guarantor requirements.
- People who would rather deal with one broker that covers personal, payday and credit line than shop a separate lender for each loan type.
Who should look elsewhere
- Anyone borrowing a large sum: €50 to €900 stops well short of €100 to €5,000 at Cashspace ES and £10,000 to £35,000 at Monzo Flex.
- Borrowers who want a personal bank relationship with a wide lending range, since Monzo Flex works from £10,000 to £35,000.
- People who need live chat support, as support runs on email and phone only.
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
Wannacash ES
Current offer
Bonus
First quick loan free of interest and fees: 0% interest and no fees on the first loan
Offer run by the partner lenders selected by Wannacash; complete the application form, not obliged to accept
Source, checked September 26, 2026
Country by country
| Country | Qonto ES | Wannacash ES |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
8 of 30 countries where either is available.
Questions about each
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.
Wannacash ES
What does WannaCash charge to arrange a loan?+
The fee is 0 EUR - WannaCash charges the applicant nothing, so there is no arrangement charge to pay on top of the loan. What you repay is the amount advanced plus the interest the lender charges. Because WannaCash is a broker, the rate itself comes from a third party lender, so ask for the rate in writing before you accept an offer.
How much can I borrow from WannaCash?+
The lending range is €50 to €900, which is below the typical personal loan amount of €556.48 on the site. In practice this suits smaller, short-term needs rather than a large expense or a consolidation. If you need more, Cashspace ES lends up to €100 to €5,000.
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