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Ho bisogno di aiuto, come contatto il servizio clienti? | Non hai trovato risposta alle tue domande nelle nostra FAQ? Contattaci via chat: è la forma più rapida e sicura per metterti in contatto con noi. Apri una chat direttamente da questa stessa pagina oppure dalla tua interfaccia Qonto facendo click sulla nuvoletta in basso a destra. Trovi di seguito le altre modalità di contatto disponibili: 📄 Inviaci una mail dal nostro Centro assistenza 💌 Scrivici un messaggio privato dalla nostra pagina Facebook o Twitter ☎️ Contattaci per telefono al +390282959848 Rispondiamo alle tue domande dal lunedì alla domenica, dalle 8:00 alle 20:00 . | https://help.qonto.com/it/articles/4359541-ho-bisogno-di-aiuto-come-contatto-il-servizio-clienti |
Cookies Policy | Disclaimer: La seguente traduzione è fornita solo per vostra convenienza. Solo il documento originale francese riportante le Menzioni legali è giuridicamente vincolante. Questo vale per tutti i nostri documenti legali. Chi siamo? Benvenuti sulla piattaforma qonto.com, pubblicata da OLINDA SAS. Offriamo agli utenti una piattaforma bancaria online alternativa per imprenditori e startup. Questa sezione ti permette di conoscere meglio l'origine e l'utilizzo delle informazioni di navigazione trattate durante la tua consultazione della nostra piattaforma e i vostri diritti. Questa politica è quindi importante per te, che desideri avere un'esperienza positiva e sicura dei nostri servizi e per noi, che desideriamo rispondere alle tue domande sulla tua consultazione della nostra piattaforma in modo preciso e completo e tenere conto dei tuoi desideri. Durante la consultazione della nostra piattaforma, le informazioni relative alla navigazione del tuo terminale (computer, tablet, smartphone, ecc.) sulla nostra piattaforma/applicazione, sono suscettibili di essere salvate in file "Cookies" installati sul vostro terminale, in funzione delle scelte che hai fatto riguardo ai cookies e che puoi modificare in qualsiasi momento. A cosa servono i cookies rilasciati su questa piattaforma? Solo l'emittente di un cookie è in grado di leggere o modificare le informazioni in esso contenute. Cookies che rilasciamo sulla nostra piattaforma Quando ti connetti alla nostra piattaforma, possiamo, in base alle tue scelte, installare diversi cookies nel vostro terminale che ci permettono di riconoscere il browser del tuo terminale durante il periodo di validità del cookie in questione. 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Cookies di terze parti Cookies analitici/di performance Google Analytics | - Privacy policy Segment.io | Cookies Policy - Privacy policy Google Tag Manager | Cookies Policy Amplitude | Cookies Policy - Privacy policy Hotjar | Cookies Policy - Privacy policy Realytics | Cookies Policy - Privacy policy Cookies di targeting Facebook Ads | Cookies Policy - Privacy policy Google Adwords | Cookies Policy - Privacy policy Linkedin Insight Tag | Cookies Policy - Privacy policy Bing Ads | Cookies Policy - Privacy policy Twitter Ads | Cookies Policy - Privacy policy Awin | Cookies Policy - Privacy policy Altri strumenti tramite cookies di terze parti Visual Website Optimizer (AB Testing) | Cookies Policy - Privacy policy Zendesk | Cookies Policy - Privacy policy Branch Metrics | Cookies Policy - Privacy policy Altri dati analizzati o tracciatori di dati (SDK o ServerSide) Google Firebase (mobile apps) | Analytics Policy - Privacy policy Hull.io (ServerSide Data Tracking) | Privacy policy Fabric.io | Privacy policy MailChimp | Privacy policy Le tue scelte riguardo ai cookies Esistono diversi modi per gestire i cookies. Le impostazioni che applichi possono modificare la tua navigazione in Internet e le tue condizioni di accesso a certi servizi che richiedono l'uso di cookies. Puoi scegliere in qualsiasi momento di esprimere e modificare i tuoi desideri riguardo ai cookies, attraverso i mezzi descritti qui di seguito. Le scelte offerte dal tuo software di navigazione Puoi configurare il tuo software di navigazione in modo che i cookies siano registrati sul tuo dispositivo o rifiutati, sia sistematicamente, sia in funzione del loro emittente. Puoi anche configurare il tuo software di navigazione in modo che l'accettazione o il rifiuto dei cookies ti venga proposto prima che un cookie venga probabilmente registrato nel tuo terminale. Accordo sui cookies La registrazione di un cookie in un terminale è essenzialmente subordinata alla volontà dell'utente del terminale, che l'utente può esprimere e modificare in qualsiasi momento e senza pagare, attraverso le scelte che gli offre il suo software di navigazione. Se hai accettato nel tuo browser la registrazione di cookies nel tuo terminale, i cookies incorporati nelle pagine e nei contenuti che hai consultato possono essere immagazzinati temporaneamente in uno spazio dedicato del tuo terminale. Saranno leggibili solo dal loro emittente. Rifiuto dei cookies Se rifiuti di registrare i cookies sul tuo dispositivo, o cancelli quelli che vengono registrati, non potrai più beneficiare di un certo numero di funzioni necessarie per navigare in alcuni spazi della nostra piattaforma. Questo sarebbe il caso se tentassi di accedere ai nostri contenuti o servizi che richiedono la tua identificazione. Questo sarebbe anche il caso se noi - o i nostri fornitori di servizi - non potessimo riconoscere, per motivi di compatibilità tecnica, il tipo di browser utilizzato dal tuo dispositivo, la sua lingua e le impostazioni di visualizzazione o il paese da cui il tuo dispositivo sembra essere collegato a Internet. In tal caso, non ci assumiamo alcuna responsabilità per le conseguenze derivanti dal funzionamento degradato dei nostri servizi derivanti dal fatto che non possiamo registrare o consultare i cookie necessari al loro funzionamento e che tu hai rifiutato o cancellato. Come esercitare le tue scelte, a seconda del browser che stai utilizzando? Per la gestione dei cookies e le tue scelte, la configurazione di ogni browser è diversa. Essa è descritta nel menu di aiuto del vostro browser, che ti permetterà di sapere come modificare le tue impostazioni per i cookie: Internet Explorer Safari Chromium Firefox Opera | https://help.qonto.com/it/articles/4359684-cookies-policy |
Come sono regolamentate e controllate le attività di Qonto? | Qonto è il nome commerciale di Olinda SAS. Olinda SAS è un istituto di pagamento (codice n. 16958) sotto la supervisione dell'Autorité de Contrôle Prudentiel et de Résolution (ACPR) francese, collegata alla Banque de France ( ulteriori informazioni ). Siamo quindi supervisionati (e soggetti a controlli regolari) dalla stessa autorità di tutte le banche francesi: l'ACPR. Come assicura Qonto la sicurezza dei miei depositi? Il tuo denaro è al 100% sicuro perché i fondi depositati nel tuo conto Qonto sono separati dal flusso di cassa, in conformità con i requisiti applicabili. Qonto deve garantire al 100% la sicurezza dei tuoi fondi attraverso le seguenti azioni: Parte dei fondi dei clienti può essere "recintata", ovvero depositata nei libri delle nostre banche partner: Crédit Mutuel Arkéa e Natixis. Un'altra parte può essere investita in quote di un fondo creato appositamente per la salvaguardia degli asset dei clienti di Qonto. Per garantire una protezione completa, la parte investita è coperta da Crédit Agricole CIB (CACIB), una controllata di Crédit Agricole S.A., o da una seconda rilasciata da BNP Paribas. Infine, un'ultima parte può essere investita occasionalmente in fondi monetari qualificati. Se del caso, le unità del fondo sono detenute nei libri di Société Générale. Indipendentemente da come i fondi dei clienti sono salvaguardati da Qonto, è importante notare che tutte queste disposizioni coprono il 100% dei nostri fondi clienti e sono state oggetto di autorizzazione preventiva da parte dell'ACPR , come richiesto dalle norme applicabili a Qonto. 💬 Per ulteriori informazioni , puoi anche consultare la pagina dedicata (in francese) sul sito web di ABE Info Service, gestito dalla Banca Centrale Francese e dall'ACPR. Ma cosa succederebbe in caso di fallimento? Né Qonto né i suoi partner bancari hanno intenzione di fallire. Questi scenari sono estremi, e Qonto collabora con istituzioni con un rischio di insolvenza molto limitato. Tuttavia, sii consapevole che i tuoi fondi sono completamente sicuri anche in caso di: Se Qonto dovesse fallire, il 100% dei tuoi fondi ti sarebbe restituito dalle nostre banche partner sotto la supervisione dell'ACPR: i soldi depositati nei conti Qonto sono isolati dal nostro flusso di cassa. Se dovessimo fallire (che, ripeto, è uno scenario estremo), i tuoi fondi ti sarebbero restituiti integralmente dai nostri partner e sotto la supervisione dell'ACPR. In caso di fallimento dei nostri garanti, CACIB o BNP Paribas, il tuo denaro non è a rischio: in questo scenario molto teorico, Qonto si è impegnata a trovare un nuovo garante per coprire l'importo investito. In caso contrario, questi fondi potrebbero essere salvaguardati da un altro meccanismo elencato sopra. Nel caso del fallimento di Société Générale, il tuo denaro non è a rischio: le unità dei fondi monetari qualificati in cui sono investiti i tuoi fondi sono detenute in un conto titoli separato dai beni della banca. Quest'ultima è obbligata a restituirli al titolare, in questo caso Qonto, anche in caso di fallimento. Lo scenario del fallimento di Société Générale è improbabile: è uno dei maggiori gruppi bancari in Francia. Nel caso del fallimento di Crédit Mutuel Arkéa o Natixis, beneficeresti del sistema francese di garanzia dei depositi per ciascuna banca in difficoltà: i tuoi fondi sono garantiti dal Fondo di Garanzia dei Depositi e di Risoluzione francese (FGDR, il Fondo di Garanzia dei Depositi francese il cui compito è proteggere i clienti in caso di fallimento bancario) fino a 100.000 € per cliente e per istituto in difficoltà (cioè fino a 200.000 € per cliente se entrambi i partner dovessero fallire). Ti offre anche benefici di diversificazione, poiché è equivalente a possedere un conto in ciascuna di queste banche. Inoltre, lo scenario del fallimento di Crédit Mutuel Arkéa o Natixis è improbabile, entrambi essendo tra i maggiori gruppi bancari in Francia. Inoltre, questa garanzia di 100.000 € è la stessa per tutte le istituzioni di credito europee. Ciò significa che beneficeresti dello stesso livello di garanzia per i tuoi fondi di una banca tradizionale (come BNP Paribas o Crédit Agricole, ad esempio). | https://help.qonto.com/it/articles/4359673-come-sono-regolamentate-e-controllate-le-attivita-di-qonto |
Come posso contattare il dipartimento legale di Qonto? | Qonto dispone di due indirizzi pec dedicati alle autorità, da distinguere in base alla natura del contatto. Nello specifico: Se hai bisogno di condividere con il nostro servizio legale dei cambiamenti significativi della società come fallimenti , pignoramenti , liquidazioni, abbandono delle procedure in corso invita il tuo avvocato, oppure il curatore fallimentare o il commissario giudiziario a scrivere a questo indirizzo: [email protected] ; Per quanto riguarda accertamenti e indagini di polizia giudiziaria , sequestri o denunce le forze dell'ordine possono contattarci inviando una pec a questo indirizzo: [email protected] . N.B. Qualsiasi richiesta non pertinente a questi due uffici non sarà presa in carico. 👉 Qualsiasi altra domanda o richiesta deve essere invece indirizzata al nostro servizio clienti via chat direttamente dalla tua interfaccia Qonto oppure accedendo al nostro Centro assistenza e cliccando sul pulsante viola che trovi in basso a destra. | https://help.qonto.com/it/articles/4894901-come-posso-contattare-il-dipartimento-legale-di-qonto |
Qonto ha la certificazione ISO 27001? | In conformità con i requisiti della DGFIP, Qonto ha ottenuto la certificazione ISO 27001 per la soluzione di fatturazione elettronica. I nostri server sono registrati su piattaforme certificate ISO 27001, tra cui AWS e Outscale. Inoltre, Outscale è certificato SecNumCloud per migliorare la sicurezza dei nostri servizi. La certificazione ISO 27001 consente alle aziende di dimostrare il proprio livello di sicurezza. Tuttavia, in quanto istituto di pagamento regolamentato dall'ACPR, Qonto è già soggetto a diversi requisiti di sicurezza altrettanto severi e regolarmente monitorati dall'ACPR: Direttiva UE 2015/2366 sui Servizi di Pagamento (DSP2), Linee guida EBA su ICT e Security Risk Management, Decreto del 3 November 2014 e informativa sulla gestione del rischio informatico del 7 luglio 2021 pubblicato dall'ACPR, Conformità alle regole di sicurezza PCI DSS Digital Operational Resilience Act (DORA) Regolamento 2022/2554, che entrerà in vigore nel 2025. | https://help.qonto.com/it/articles/6748832-qonto-ha-la-certificazione-iso-27001 |
Che cos'è Qonto? | Qonto è la soluzione che semplifica la quotidianità finanziaria di PMI e professionisti*. Meglio di un conto corrente classico, Qonto è: 100% online : apri un conto business in pochi minuti, ricevi subito il tuo IBAN e richiedi le tue carte Mastercard tramite l'app. Ti aiuta a rendere più semplice la tua contabilità con la corrispondenza automatica delle ricevute, etichette personalizzate e molto altro ancora Offre funzionalità complementari relative a fatturazione, flusso di cassa e gestione dei fornitori. Pensato per i team : ogni collaboratore può gestire autonomamente le sue transazioni dalla sua interfaccia. Uno strumento per monitorare le tue finanze: categorizza le tue operazioni e digitalizza le tue ricevute per rendere la contabilità più semplice. Integrazione con i migliori strumenti fintech e SaaS (ad esempio Stripe, Slack, Sage, Cegid). Un servizio clienti ultra reattivo: disponibile 7 giorni su 7, via chat, telefono, e sui Social. Con Qonto tutto è più semplice, più veloce e le tariffe sono più trasparenti rispetto a quelle di una banca tradizionale. Con Qonto non ottieni solamente un conto business, ma uno strumento che rende la gestione delle tue finanze più: Efficace : Qonto è un conto di pagamento business intuitivo e semplice da utilizzare, che ti farà risparmiare moltissimo tempo. User-friendly : niente più complicazioni e processi inutili, con Qonto trovi solo quello che ti serve davvero (né di più, né di meno). Collaborativa : con Qonto puoi invitare i tuoi collaboratori e renderli autonomi in pochi click, mantenendo sempre il controllo sulle tue spese. Semplice : sincronizza Qonto con i tuoi software preferiti e gestisci le tue finanze ovunque tu sia, grazie alla nostra applicazione. * Qonto non è disponibile per i privati (almeno per ora!). | https://help.qonto.com/it/articles/4359540-che-cos-e-qonto |
Com’è nato Qonto? | Credi che le banche tradizionali siano troppo lente, poco trasparenti e non adatte alle tue esigenze? È esattamente quello che è successo a Steve e Alex che, quando hanno creato la loro prima impresa, sono rimasti molto delusi dalla loro banca . Hanno quindi deciso di fondare Qonto, il primo conto business 100% online , dedicato alle imprese e ai liberi professionisti. L'obiettivo di Qonto è quello di reinventare la banca per gli imprenditori : un conto business semplice e rapido da aprire, uno strumento efficace per gestire le tue finanze e un servizio clienti eccellente! Qonto, perché questo nome? Steve e Alex volevano creare una startup fintech con una dimensione europea. "Compte" in francese, "account" in inglese, "konto" in tedesco, "conto" in italiano… è così che è nato Qonto ! Un nome facilmente comprensibile per molti paesi europei. | https://help.qonto.com/it/articles/4359675-com-e-nato-qonto |
Qual è la differenza tra Qonto e una banca tradizionale? | Qonto è un istituto di pagamento supervisionato dalla Banca di Francia (codice interbancario CIB 16958) e opera in Italia tramite una succursale supervisionata dalla Banca d'Italia. 🏦 Permettiamo sia alle aziende esistenti che alle aziende in fase di registrazione di usufruire di un conto business e di tutti i mezzi di pagamento necessari per gestire la propria attività in modo efficiente: Carte di debito (fisiche, virtuali e istantanee); Bonifici istantanei; Bonifici internazionali. Tuttavia, esistono varie differenze tra il tuo conto Qonto e un conto corrente tradizionale: Il tuo conto Qonto non può andare in negativo; Non è possibile versare contanti direttamente sul conto;* Forniamo prestiti tramite i nostri partner. Per saperne di più visita questo articolo nella sezione Prestiti e finanziamenti . Con Qonto, potrai mantieni tutte le tue esigenze finanziarie organizzate in modo sicuro con un'unica App. Potrai gestire il tuo denaro in modo rapido, facile ed efficiente. Che tu sia da solo o a capo di un team. Lavorare meglio in team : richiedi delle carte di pagamento per il tuo team e crea delle carte virtuali disponibili immediatamente per i tuoi acquisti online, tieni sotto controllo le spese impostando i limiti di pagamento delle carte, invita il tuo commercialista in sola lettura o scarica la tua lista movimenti (e i relativi allegati) per semplificare la tua contabilità. Dire addio al cartaceo : riunisci automaticamente le fatture dei tuoi fornitori principali e quelle dei tuoi collaboratori. La caccia alle fatture e ricevute alla fine del mese è finalmente terminata! Gestisci tutte le fatture dei tuoi clienti e fornitori su Qonto : paga più velocemente con il sistema di fatturazione di Qonto e risparmia tempo prezioso nella gestione delle fatture dei tuoi fornitori. Collegare il tuo conto Qonto ai tuoi software preferiti : integra i tuoi software CRM, di gestione paghe o di fatturazione sul tuo conto Qonto. Risparmia tempo prezioso e semplificati la vita: scegli Qonto! 😉 Alcune funzionalità sono disponibili solo con i piani Essential, Business e Enterprise *In alternativa, puoi utilizzare il servizio di T-Bonifico erogato da Mooney! Per maggiori informazioni, consulta questa pagina . | https://help.qonto.com/it/articles/4359531-qual-e-la-differenza-tra-qonto-e-una-banca-tradizionale |
Pagina di disambiguazione: istituti di credito e istituti di pagamento, conti correnti e conti di pagamento. | Qonto è un istituto di pagamento francese, iscritto nel Registre des agents financiers al n° di licenza 16958 e soggetto alla vigilanza dell'Autorité de Contrôle Prudentiel et de Résolution (ACPR). In Italia, Qonto opera tramite succursale (codice ABI 36092) ed è così soggetta a vigilanza anche da parte della Banca d'Italia. Cos'è un istituto di pagamento in parole semplici? Un Istituto di Pagamento è un intermediario finanziario diverso dagli Istituti di Credito . La differenza sostanziale è che gli Istituti di Pagamento non possono erogare credito . Gli Istituti di Pagamento possono prestare servizi di pagamento associati a un conto di pagamento. Inoltre, agli Istituti di Pagamento non è concesso raccogliere depositi da utenti . I fondi ricevuti dai clienti devono essere depositati presso un istituto di credito, in un conto distinto da quello dell'Istituto di Pagamento, con la chiara indicazione che si tratta di beni di terzi. In altre parole, le somme detenute nei conti di pagamento per conto di ogni cliente non possono essere confuse con quelle dell’istituto di Pagamento. Qual è la differenza tra un conto corrente bancario ed un conto di pagamento? Come la parola stessa lo indica, solo le banche possono aprire dei conti correnti bancari. I conti forniti dagli Istituti di Pagamento sono giuridicamente definiti "conti di pagamento". A differenza dei conti correnti bancari , i fondi stanziati presso un conto di pagamento non maturano interessi e sono soggetti alle modalità di tutela riportate qui sopra. Ad ogni modo, per l'utilizzo che se ne fa, qualsiasi eventuale riferimento a "conto corrente" nel nostro sito deve essere inteso nell'accezione comune del termine . Il conto Qonto è un conto di pagamento con IBAN italiano. | https://help.qonto.com/it/articles/4359545-pagina-di-disambiguazione-istituti-di-credito-e-istituti-di-pagamento-conti-correnti-e-conti-di-pagamento |
What apps can I connect to my Qonto account? | Thanks to this link , you can find the list of applications you can connect to Qonto, the integration installation mode, as well as more information about the data you can synchronize. 👆 Good to know: The installation mode, as well as the data that you can synchronize, is specific to each integration. How do you connect an app with Qonto? Check this page to find out the connection type for each app and get more information. Then, refer to the information to connect your tool to Qonto. Connecting to your app from the Qonto web app : Go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > Integrations Search for the integration you want to install and select it. Then, click Connect in the top right of the page Finally, follow the instructions to finish installing the integration. Connecting directly to the app with your Qonto login details: The integration is done directly from the app that you want to connect to Qonto: you will need your Qonto login details to install the integration. Connecting to Qonto with your Qonto API key: From the Qonto Web app : Go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > API key Then enter that API key directly from the app you want to connect to Qonto 👆 Keep in mind: For more information on your API key, please read this dedicated article . What do I do if an integration isn’t available? You can suggest a new integration to us directly, from the Qonto web app:You can suggest a new integration to us directly, from the Qonto web app: Go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > Integrations Scroll down the page, click on the box “ Can't find an integration for your favorite tool?” to suggest a new integration You can also use Zapier and Make (previously Integromat), to automate certain manual tasks, or connect your Qonto account to even more tools. Have you developed a new integration? Please go ahead and email us at [email protected] , so that we can share it. For request related to the creation of an account or your existing account, please reach out to [email protected] . | https://help.qonto.com/en/articles/4359616-what-apps-can-i-connect-to-my-qonto-account |
Where can I find my API login and secret key? | Many third-party applications require your login and your secret key to allow the share of information between your Qonto account and external tools like accounting softwares. You can therefore offer read-only access to this software to automate the transfer of information. You can also initiate actions on your account through API, but no worries, strong authentication protects these sensitive actions. 🔐 Keep in mind that your login and your secret key are not the same as your email and password. How does it work? You have a Smart, Premium, Essential, Business, or Enterprise plan? Good news, your login and secret key are automatically generated. To get them: Go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > API key You have a Basic plan? To get your login and secret key: Go to your Qonto web app, and click on the Settings icon on the bottom left of the page Click on Integrations and Partnerships > API key You will see the name of your organization followed by a number (it's your login name) Then, click on Generate to see your secret key. 💡If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone. ☝️ Good to know: The Regenerate button will allow you to renew this key later. This will revoke access to your account for all integrations that used your previous secret key. ⚠️ You want to disable your accountant’s access? You can check this article for more information. You will also need to regenerate your login and secret key so that the accountant will no longer have access to your account information. You can find the full list of apps that connect with Qonto, as well as the credentials to use for each by following this link . | https://help.qonto.com/en/articles/4359624-where-can-i-find-my-api-login-and-secret-key |
È possibile aprire un conto dedicato su Qonto? | Il conto dedicato - entrato in vigore con la L. 136 del 2010 - non è altro che un particolare conto corrente, aperto presso un Istituto Bancario o presso Poste Italiane - vincolato alla gestione di entrate e uscite da e verso la Pubblica Amministrazione, al fine di garantirne la loro tracciabilità . Il conto dedicato è necessario, a titolo esemplificativo e non esaustivo, alle imprese che intendono partecipare a: Appalti pubblici Grandi opere Inoltre, lo stesso potrebbe essere necessario anche per le imprese che devono ricevere fondi da: Pubblica Amministrazione (lavori, servizi e forniture pubbliche) Concessionari di finanziamenti pubblici (anche europei) Il conto dedicato è a tutti gli effetti una particolare tipologia di conto corrente e, per questo motivo, non può essere offerto dal nostro Istituto. Qonto è infatti un Istituto di Pagamento e - in quanto tale - può offrire solo "conti di pagamento” ma non “conti correnti”. | https://help.qonto.com/it/articles/6448423-e-possibile-aprire-un-conto-dedicato-su-qonto |
What is the Integrations and Partnerships section? | Discover the Integrations and Partners Area The Integrations and Partners area is available at the bottom left in the settings of your Qonto Web App. In this area, you will find carefully selected partner offers and application integrations by Qonto for you. Our goal is to automate time-consuming tasks and processes , allowing you to focus on what is truly important to you: the growth of your business. A Variety of Applications at Your Disposal Within this area, a world of possibilities opens up to optimize your finances and cash flow management, thereby saving valuable time in your daily routine. Forward-Looking Integrations : Discover modern solutions like the integration with Slack, specially developed for you by the Qonto team. Accounting Tools and More: Find selected accounting tools and other useful applications that seamlessly connect with Qonto to facilitate your financial management. Value-Added Financial Services: Benefit from exclusive partner offers that Qonto has compiled in cooperation with providers of financial services, accounting services, and payment terminals for you. Immerse yourself in the world of Qonto's integrations and partners and discover how you can run your business more efficiently . Would you like to suggest other partners? We are always listening to our customers and ready to respond to your needs. Let us know what other tools you would like to find among our partners by writing to [email protected] . ☝ Good to know: Qonto conducts comprehensive security and quality checks for all integrations and services. Learn more in this article . The Integrations and Partners area is available to all Qonto customers. | https://help.qonto.com/en/articles/4470323-what-is-the-integrations-and-partnerships-section |
How to create a customer invoice? | You can easily create and manage customer invoices directly on your Qonto account to streamline your payment process. This feature is available for Smart, Premium, Essential, Business, and Enterprise plans, and can be accessed by Owners and Admins. ☝️ Good to know: The default format for invoices generated via the Qonto invoicing tool has been updated to Factur-X , for French businesses. Qonto is actively engaged in the process of adapting our current invoicing solution to ensure compliance with the upcoming electronic invoicing reform in France. Creating your Invoice To create a new invoice on Qonto, follow these steps: 🖥️ From your computer, go to Invoices > Client invoices , in the left-men 📲 From your mobile app, go to Menu > Client invoices . Click on Create an invoice at the top right side of your screen. Alternatively, you can duplicate an existing invoice by selecting it from your invoice list and clicking on the duplicate icon (available only via the web app). When creating an invoice, fill in the required fields as indicated: Issue date, Performance date (optional), due date, and purchase order (optional). Products and services: Add items corresponding to the products or services being invoiced, including a title, description details (optional), quantity, unit price, and VAT rate. On the web, you can search through your previous Products and services. Item details : Add items corresponding to the products or services being invoiced, including a title, description (optional), quantity, unit price, VAT rate, and discount (optional). Account information : Specify the account where you want to receive payment. Optional: you can add a header to your invoice. Important : If you have multiple accounts, ensure that the customer makes the transfer to the IBAN indicated on the invoice for proper reconciliation. Adding client's information: To include client information in your invoice, follow these steps: a. Create a new client: Click on Add a new client or the " + " button if it's your first time creating an invoice on Qonto. Select whether the client is a company or an individual, and fill in their details. You can also set the language for the customer's invoice if they don't speak the language of your company's country (choose between English, French, Spanish, Italian, and German). Choose a different currency you would like to issue the customer’s quote and invoices, if not in Euro. Once verified, click on Confirm Save (for phone users). The client's information will be saved for future use, eliminating the need to reenter the details. b. Select an existing client: Click on the client you wish to invoice (open the dropdown menu first via the web app). Set up automatic invoice numbering: Review the suggested invoice number or insert a new one via Settings . Once confirmed, Qonto will automatically generate unique and sequential invoice numbers for future invoices. Customizing Invoices (available only via the web app): You can customize your invoices to reflect your brand by following these steps: Add your logo: Upload a JPEG or PNG file (maximum size of 5MB) via the "Settings" tab at the top of the screen. Set issuer email address: Specify the email address you want to display on your invoice. Set a VAT number for your invoices. Note : Customization changes will only apply to future invoices and can be modified at any time. Previous invoices will not be updated with new logo or email changes. Sharing your Invoice You can share your invoice with recipients in two ways: 1. Send it by email: Fill in the recipient's email address (multiple addresses can be added, separated by a comma) and customize the subject line and message. Optionally, add yourself in the copy of the email for tracking purposes. Click on Send to send the invoice. ☝️ Important detail: the email address where you receive the copy of this email cannot be changed. 2. Share a payment link: If you prefer using your own inbox or another channel, copy the custom payment URL available in the Share by payment link tab and paste it where needed. You can also resend an invoice at any time. From the Invoicing menu, select the invoice and resend it to your client Cancelling Your Invoice Did you make a mistake and want to annul your invoice? You can refer to this article . | https://help.qonto.com/en/articles/6240362-how-to-create-a-customer-invoice |
What additional information should my customer invoice include? | Depending on your location and legal form, it may be necessary for your customer invoices to contain certain additional information, in addition to the fields that you must fill in when creating a customer invoice . This additional information can be related to your business, the product, or service that you provided, your customer, and/or the payment conditions. 👉 Good to know: This article applies to companies registered in France. 🇫🇷 You can easily add additional information to your invoice by using the text box labeled Footer (optional) at the bottom of the Create an invoice panel. The information that you enter here will appear at the bottom of your invoice, and we’ll automatically save it so that you can easily reuse it on your next invoice if needed. Let’s dive in: Mandatory fields VAT identification number or Numéro de TVA intracommunautaire: only for invoices where the total amount (excluding VAT) is equal or superior to €150. NAF code: Attributed by the INSEE and consisting of 4 digits and 1 letter (which you can find in your Kbis or on the ISEE’s website ) Penalty conditions: There are two types of penalty conditions to include Late payment fees: You can choose between the ECB master rate + 10%, 3 times the legal interest rate, or agree on a different rate with your client. Lump sum of €40: This penalty applies to every invoice that is paid after its due date and cannot be modified. Optional fields In addition to the mandatory fields above, you may need to include other fields, as detailed below: 🛍️ Details about your product or service Delivery date of product or service: when it’s different from the Due date . **** Purchase order number: only if you communicated one to your client beforehand. 👤 Your Qonto customer details Billing address: when it’s different from your Legal address . VAT identification number: only if the total amount of your invoice (excluding VAT) is greater than or equal to €150. Reference to VAT exemption: include if your business is exempted from VAT. ➡️ If you’re exempted from VAT as a small entrepreneur (Franchise de base) , you must include the following mention: "TVA non-applicable, art. 293 B du Code général des impôts." ➡️ If you’re exempted from VAT on intra-community supply of goods, you must include the following mention: "TVA non-applicable, art. 262 ter 1 du Code général des impôts." Other exemption schemes may apply and require a specific mention. Depending on your legal form: Share capital: if you’re an incorporated business. RCS number and town of incorporation: if you’re an incorporated business or commerçant. Repertoire des métiers ID number: if you have an artisan activity. 🤝 Final customer details (information about the client that you’re issuing the invoice to) VAT identification number or Numéro de TVA intracommunautaire : include if your customer is subject to VAT, and only for invoices where the total amount (excluding VAT) is equal or superior to €150. Billing address and Delivery address: include if they differ from your customers’ Legal address. 🎉 All good? Take a one final look, click on Create an invoice to issue it, and send it to your client by email or with a public link. | https://help.qonto.com/en/articles/6211274-what-additional-information-should-my-customer-invoice-include |
How to track your customer invoices? | You can create customer invoices directly on your interface (via your Qonto web app or phone) in just a few clicks to help you get paid faster and easier by your clients. You can easily have visibility over your customer invoices payment status’ from the main invoicing page. Tracking your customer invoices’ payment status will help you to have better control over your cash flow and keep an eye on when invoices are due. So that you can send reminders to your clients if necessary at the right time. How to track my customer invoices? From the Invoices screen, find the list of all invoices that are paid, to be paid, or canceled. Each line corresponds to one invoice and displays its issue date, due date, status, and amount. Click on an invoice to see more details, download it, or share it again with your client. To simplify tracking even further, you can sort invoices by due date. How to cancel a customer invoice? Canceling an invoice may be necessary in some cases – for example, if it contains a mistake. To cancel an invoice, click on it and then, on the red Cancel invoice button. Once it’s canceled, you’ll still be able to download it from the Canceled tab at the top of the main screen. 💻 Canceling and downloading invoices is only available via the web app. How to verify my customer invoices’ payment status? ☝️ Important in case of multiple accounts : For the payment to be reconciled with the invoice, your customer should make the transfer to the IBAN indicated on the invoice. You have two options: Automatic tracking: Qonto can detect when an invoice has been paid if the corresponding payment has the same reference number. In that case, its status will automatically change from To be paid to Paid . Manual tracking: You can also manually change the status of your invoice by clicking on an invoice and then, on the button Mark as paid . When you mark the invoice as paid, you have the possibility to match a transaction to it (click here to learn how). To change the invoice status from Paid to To be paid , you can click on the button Mark as To be paid which will unmatch any transactions on the invoice. Alternatively, if you unmatch all transactions on the invoice first, the invoice status will automatically change to To be paid . 💻 The manual tracking is available via the web app and mobile. | https://help.qonto.com/en/articles/6240898-how-to-track-your-customer-invoices |
How to match your invoices with incoming payments? | With Qonto, you can easily track the status of your customer invoices and match them with their corresponding transaction when you mark them as paid. This process allows keeping your books accurate and save time on your accounting. You can match customer invoices and transactions automatically or manually . Read on to learn how to use each of these methods. How can I automatically match invoices and incoming transactions? Qonto can mark as paid and automatically match your invoice with an incoming transaction, if the corresponding bank transfer has at least one of the two following information in the reference field: Reference number : it can easily be found at the bottom of the invoice itself Invoice number : displayed at the top of your invoice. We recommend you to tell to your clients to include them in the bank transfers. 💡 If you choose option 2: your invoices need to follow a certain pattern detailed in this article . Please note that an invoice can be automatically matched only if it is fully paid . In case of multiple payments, you have to manually match and mark them as paid. See below how to manually match multiple payments. ☝️ Important in case of multiple accounts : For the payment to be reconciled with the invoice, your customer should make the transfer to the IBAN indicated on the invoice. How can I manually match my invoices with the incoming transactions? You can also manually mark invoices as paid and match them with an incoming transaction. This is helpful if your client pays the invoice in multiple installments or if you are not paid by bank transfer. 💡 Manual matching is available via both web and mobile app. From the Invoices section, go to Client Invoices and click on the invoice you want to associate with an incoming transaction. You will be displayed the invoice and from the side panel click on Mark as paid . Now it’s time to match the invoice with the transaction by: Select the matching transaction from the recommended ones If you don’t see your payments, type the client name, the reference, or the amount in the search bar If the customer paid you outside Qonto, you can click on “Were you paid outside Qonto?” and then enter the transaction’s date. What can I do if I have multiple payments to match with the same invoice? An invoice could be paid with more than one transaction. If this is your case, you can match different transactions with the same invoice. Select the invoice, click the + button and follow the above instructions. What can I do if I want to delete the payment matched? In case you want to delete a payment previously associated (automatically or manually) with one of your invoices, you can easily do it by clicking the X button next to the matched transaction . If all the matched transactions are deleted, the invoice status will change back to To be paid . | https://help.qonto.com/en/articles/6679000-how-to-match-your-invoices-with-incoming-payments |
I would like to centralize my invoicing on Qonto but am currently using another tool. What should I do? | Have you been handling your invoicing needs on separate tools (like Word, Excel, or standalone solutions) up until now and are ready to centralize things directly on your Qonto account? From creating custom professional invoices, to automated tracking, to faster payments thanks to instant SEPA transfers, managing your invoicing on Qonto will save you precious time on admin work and help you run your business with more peace of mind . Switching over from your previous invoicing tool to Qonto is easy. Keep these points in mind and you’ll be good to go: Store your previous invoices: If you use a standalone tool, download all of your invoices and store them safely to make sure they’re accessible if necessary. You can store your invoices locally, on the cloud, or both. Be consistent with your numbering sequence: When creating your first invoice on Qonto, make sure that it follows your numbering sequence; for example, if the last invoice that you issued on your previous tool was number 65 , your first invoice on Qonto should be number 66 . 💡 You can input a unique number for every invoice in the field Invoice number . For more on how to create invoices, read our dedicated article . Don’t forget about pending invoices: To avoid losing sight of incoming payments, make note of any invoices created on your previous tool that are still pending, and remind your clients of their due dates if necessary. 💡 Moving forward, you’ll be able to easily track every invoice that you issue on Qonto, directly on your account. When your client makes a payment and the reference in the transfer matches the unique reference on the invoice, it's status will automatically change from To be paid to Paid . You can learn more about how tracking works on our dedicated article . | https://help.qonto.com/en/articles/6259886-i-would-like-to-centralize-my-invoicing-on-qonto-but-am-currently-using-another-tool-what-should-i-do |
What additional information should my customer quote include? | Depending on your location and legal form, it may be necessary for your customer quotes to contain certain additional information, in addition to the fields that you must fill in when creating a customer quote . This additional information can be related to your business, the product, or service that you provided, your customer, and/or the payment conditions. To see country-specific requirements, you can check these pages for France 🇫🇷 and Italy 🇮🇹 Mandatory fields The content of the quote may differ according to the specificity of the service envisaged. But as a minimum, it must mention: the date of the quote the name and address of the company the name of the client the start date and duration of the service, if applicable a detailed breakdown of each service and product, in quantity and unit price The cost of labour, if applicable (hour * hourly rate) travel expenses, if any the total amount to be paid excluding tax and including all taxes Indication of the delivery date of the service or goods Validity duration of the quote Some professionals must indicate their professional liability insurance You can easily add additional information to your quote by using the text box labeled Additional notes at the bottom of the “ Create a quote” page. The information that you enter here will appear at the bottom of your quote, and we’ll automatically save it so that you can easily reuse it on your next quote if needed. 🎉 All good? Take one final look, click on Save quote to create it, and send it to your client by email. | https://help.qonto.com/en/articles/7958908-what-additional-information-should-my-customer-quote-include |
How to create and share draft invoices | When you create an invoice on Qonto, you can easily save it as a draft for later use. Drafts can be shared with clients in the form of a pro forma invoice so they have all the details before the final version is issued. The invoicing tool is available starting from the Smart plan ( learn how to upgrade your plan here ) and for the Owner and Admin roles. The Basic plan allows you to create up to two invoices for free to explore the functionality. How to create and save a draft 💻 From a computer, log in to your Qonto account and go to the Invoices tab. Click on Create an invoice and start filling in the information. Once you are ready, click on Save as a draft. To perform this action, you need to: Select an existing client or add a new one Enter an invoice number (only if manual numbering is enabled) Enter an issue date and due date Add the title and the invoice amount 📱 From the Qonto mobile app, go to Menu > Client invoices. Next, select the plus sign at the top right, and choose an existing client or add a new one. You only need to fill in the details (including the same mandatory fields as on the web app) and select Save as a draft. How to manage your drafts Your saved drafts can be found in the Drafts section of the Invoices tab. If you wish to continue working on one of them, select it, then click Edit the draft . You can also permanently delete it by selecting Delete the draft . Once your draft is ready, you can convert it into an invoice! Select it from the list and ensure that all the mandatory fields are correctly filled. At the bottom of the screen, select Create an invoice (or through the mobile app: Finalize the draft > Create the invoice) and confirm that your invoice is ready to be issued. You can then send it to your client via email or by sharing the link with them. ☝️ Good to know: If automatic invoice numbering is configured, your draft automatically takes the next available number as soon as it's converted into an invoice. Remember to delete or archive your draft if you don't intend to convert it into an invoice to ensure the continuity of accounting numbering! With manual numbering , you must confirm that your draft has a valid and sequential number before converting it. Click here to enable automatic invoice numbering. How to share a draft You can also send a draft invoice to your client. This provisional version, also known as a pro forma invoice , can be useful if you want to share a proposal or confirm specific details before issuing the final invoice. It's not mandatory, doesn't require any action from your client, and has no accounting impact. 💻 To do this, click Send the draft at the bottom of the computer screen, then enter your client's email address, customize your message, and click Send the email. If you prefer to share it via another channel, click the Copy the document link button and copy the link to your clipboard. 📲 From the mobile app, select the three small dots (at the top right), then Send the draft. Then, choose the channel through which you want to send it and customize your message. | https://help.qonto.com/en/articles/6531001-how-to-create-and-share-draft-invoices |
How to manage your customer quotes? | Once your quotes have been created on the Qonto interface, you can find them in your main quotes page. From this page you can manage and track all your quotes, for better control and visibility over your negotiations. Each line corresponds to one quote and displays its issue date, expiry date, status, and amount. Quotes display 3 different statuses, visible on your quotes’ list: Pending approval : Default status for quotes that have just been created and for which the status has not been changed. Approved : Quote marked as approved on Qonto Canceled : Quote marked as canceled on Qonto Click on a quote to see more details, manage the status, download it, or share it again with your client. 💻 Managing your quotes is only available via the web app. How to edit a customer quote? Editing a quote may be necessary when negotiating with your clients, for example to modify the terms of the offer. To edit a quote, you can click on it from your quotes’ list. Click on the Edit quote button to open the editing panel and modify the quote’s information. You can now Save your quote with the new information and share it again with your client. ⚠️ Only quotes that are Pending approval can be edited. Once a quote is transformed into an invoice, it is no longer editable. A quote remains editable until it is transformed into an invoice! If a quote Pending approval expires, you can edit the quote and extend the validity date, in agreement with your counterparty. How to mark a quote as Approved? To change a quote from Pending approval to Approved , you can click on it to open the quote panel. In the panel, click on the Mark as Approved button. ☝️ Important: It is not possible to revert the status of a quote that has been Approved or Canceled . Once approved, the quote assumes the value of a legally-binding contract with your counterparty. Any modification cannot be unilaterally made by the issuer and will need to be agreed upon with your counterparty. How to mark a quote as Canceled? You can also cancel a quote Pending approval . To do so, click on a quote to open the quote panel. In the panel click on Cancel quote . Once the quote has been canceled, you’ll still be able to download it, but you will not be able to share it with your client. How to create an invoice from a quote? To help you get paid faster and more easily, you can create an invoice from a quote that has been Approved. To create an invoice, you can click on an Approved quote from the quotes page. You can then click on Create invoice , and this will automatically create a draft invoice pre-filled with the information in your quote. Once you have confirmed the information in the draft invoice, click Create invoice to finalise the invoice and send it to your customer. | https://help.qonto.com/en/articles/7958897-how-to-manage-your-customer-quotes |
How can I apply a VAT rate and custom labels to a supplier? | Do you have a Smart , Premium , Essential, Business or Enterprise package? You can add the VAT rate and custom labels to your supplier when adding a new beneficiary. You can also add this information on existing beneficiaries, or modify it, from the Suppliers tab of the Purchases section of your application. This tab lets you add this information more efficiently to improve your financial reporting. Adding this information to your supplier saves you time by allowing you not to add it at every transaction. You can therefore improve your financial management by categorizing your payment, and prepare your accounting work. How does it work? When issuing a transfer to a new beneficiary, you will be asked to add a VAT rate and a customized label to be applied. Need to change this information? The Suppliers section shows you the list of all your transfer beneficiaries. For every supplier, get: the number of transactions made, the VAT rate applied to these transactions, custom labels that you can assign. Do you wonder who are the beneficiaries to which you did not add this information? Use the section filters to retrieve them. How to add a VAT rate to a supplier? To make it easier to add VAT rates to your expenses, you can add VAT rates directly to a given supplier. Click on the row of the supplier to which you want to add a VAT rate. Select the VAT rate to apply. Click on the Edit button to apply your changes. Once a VAT rate is applied to a supplier, all the future transfers sent to this supplier will automatically be tagged with the VAT rate. If you need, you can still adjust it at the transaction level. ✌️ Note: If you made a mistake while entering the rate or decide not to apply a VAT rate, select the option Do not apply an automatic VAT to this provider . How to add a custom label to a supplier? Similar to VAT rates, you can assign custom labels directly to a supplier. Click on the supplier row. In the side panel, you will have two possibilities: If you haven't defined any custom label yet, you can visit the custom labels menu and define your labels, thanks to our tutorial 👉 right here . If you have defined at least one label, you can apply up to three labels to your supplier. You can still edit lists and labels by clicking on Modify in the three dots menu. Click on the Edit button to apply your changes. Access more information on custom labels in 👉 this article . | https://help.qonto.com/en/articles/4713395-how-can-i-apply-a-vat-rate-and-custom-labels-to-a-supplier |
How does automatic VAT detection work? | To facilitate and secure VAT data entry, companies with a Smart, Premium, Essential, Business or Enterprise plan can benefit from our automatic VAT detection. 💡 Automatic VAT detection also works on your receipts sent using our forwarding email address feature! The automatic VAT detection, how does it work? Scan the transaction receipt with your smartphone after your payment, or attach the corresponding file (JPEG or PDF) from your computer. Our algorithm detects the transaction amount, and the VAT rates applied. Next thing you know, the information will pre-fill within the interface. To avoid errors, all VAT data pre-filled by the algorithm must always be confirmed by the user. Although an error in the automated VAT detection is unlikely to occur, this confirming step allows you to avoid any accounting errors related to a false VAT detection. VAT data won’t be extracted into the CSV or into your accounting tools connected by API if users haven’t confirmed the rate and the amount. 👆 Good to know: If the VAT is missing in one of your transactions, have a look here , we explain to you how to fill in a missing VAT. Once the VAT is confirmed or entered manually, users can modify it anytime in case of error and select the right VAT rates corresponding to the transaction. | https://help.qonto.com/en/articles/4359612-how-does-automatic-vat-detection-work |
How to set up your documents' numbering? | 💻 Managing your documents’ numbering is only available via the web app. Set up automatic numbering From the Invoices or Quotes section, click on Settings at the top of your screen. You will be displayed a Settings page to automatically set up the document's numbering. If you are creating your first document, or you are switching to Qonto from another provider, you will simply have to enable the automatic numbering toggle and insert your desired numbering pattern for invoices and quotes. We will then automatically generate all your next document numbers. In case you are already using Qonto to issue your invoices, we will automatically detect your last invoice number or quote number, and generate the next number in the sequence. Click Save changes and your set-up is completed. We will now generate unique and sequential numbering for your invoices, quotes, and credit notes so that you will not have to worry about this anymore. ⚠️ For compliance purposes, we recommend you number your invoices sequentially and chronologically. You should not have duplicates or skips in your numbering sequence. Selecting automatic numbering can help you comply with regulations and create professional documents. Manual document numbering In case you need to insert a specific invoice or quote numbers or the automation does not fit your needs, you can select the manual numbering at any time: Click on the Settings page and disable the automatic numbering toggle Click on Save changes and your set-up is completed. You can now customize your document numbers according to your needs. If you want to revert to the automatic numbering, you can easily do it from the Settings section. 💡 Matching your invoices to incoming payments If you want to match your invoices with incoming payments using invoice numbers, your invoice number must follow a certain pattern: Prefixes recognized Complete invoice patterns recognized FA PREFIX-yyyy-number FAC PREFIX-(yyyy)-number FACT PREFIXyyyynumber Facture PREFIX(yyyy)number RE PREFIXyyyy-number INV PREFIX-number Invoice PREFIX-yyyy-mm-number QON PREFIX(yyyy)mm-number QTO yearnumber FQ year-number N yyyy-mm-number year/number yyyymm/number | https://help.qonto.com/en/articles/6616235-how-to-set-up-your-documents-numbering |
How to create a customer quote? | To help you negotiate with your clients and promote your services and products more easily, you can create customer quotes directly on your Qonto account. Unlimited quoting is available for: Smart, Premium, Essential, Business, and Enterprise plans (to find out how to change your current plan, click here ) For Owners and Admins To access quoting, log into your Qonto account from a desktop device and click on Invoicing > Quotes in the navigation bar. 💻 Creating quotes is only available via the web app. Create a new quote From the Quotes section, click on Create a Quote at the top right side of your screen. 1. Adding client information Adding client information to your quote is easy: simply create a new client or select an existing one on your Qonto account. Create a new client If you’re creating a quote on Qonto for the first time, click on Add a new client or on the + button. - Select if your client is a company or an individual and fill in their details - You have the possibility to set the language in which the customer’s quote will be issued (English, French, Spanish, Italian, or German). - You can select a different currency to issue the customer’s quote and invoices, if not in Euro. - Once you’ve checked the information you have filled in is correct, click Confirm to save your client . Your client will now be saved, and you won’t need to re-enter their details next time. NB: To comply with rules around invoice language to French clients, we recommend choosing French when creating a client registered in France. Select an existing client Click on the client that you wish to quote. 2. Creating the quote It’s now time to create your quote. Fill in the necessary fields as indicated on the screen: Issue date and Expiry date Quote number Item: You can add different items that correspond to the products and services that you’re quoting your client for. Every item should contain a title, description (optional), quantity, unit price, VAT rate, and discount (optional). If you wish to add additional information, you may use the field labeled Additional notes . This can be useful if you wish to add information such as payment conditions, sector-specific laws, any deposit requirements, or additional details about the product or service you are quoting for . The additional notes will be reusable for all your subsequent quotes so that you don’t need to fill in the information each time you create a new document. 3. Customising your quotes You can customise your quotes by adding your logo (if you have one), choosing an issuer email address, and numbering settings for your documents . You can click on the Settings button at the top of the screen to customize all these aspects. From here, you can: add your logo in JPEG or PNG (file size shouldn’t exceed 5MB maximum) add the email address that you would like to display in your quote. select the numbering method for your quotes. See this article for more details on how to manage your document numbering. ☝️ Important: Please note that these changes will apply to all future documents , and can be modified again at any time from the Settings page. No changes will apply to documents that have already been issued. Sharing your quote You can share your quotes via email. Select the quote you wish to share, click on Send quote and fill in your recipient’s email address. You can add multiple addresses (separated by a comma) and set a custom subject line and message. To facilitate tracking, you can add yourself in copy of the email by ticking the checkbox at the bottom of the page. When you’re done, click on Send . 👉Do you want to edit a quote? Or mark a quote as approved or canceled? You can refer to this article . | https://help.qonto.com/en/articles/7958842-how-to-create-a-customer-quote |
How to fill or attach missing VAT to a transaction? | Companies with a Smart, Premium, Essential, Business or Enterprise plan can benefit from our automatic VAT detection . The transaction amount and the VAT rate applied are automatically detected thanks to our algorithm, and you just have to confirm. You can also add your payment receipts and VAT rates to the transactions, directly from your app. 💡 Note: If several VAT rates are applied to one transaction, you can click on “add VAT” and add up to 8 VAT rates on one transaction. What can I do in case of a missing VAT? In case a VAT rate is missing for a transaction, you have two options to complete the information: you can fill in the missing information at the transaction level or at the supplier level. Check out 👉 this article to add the VAT at the supplier level. How to add the VAT rate at the transaction level? You can add or modify a VAT rate to each transaction. Click on Filters Select VAT as value, choose “is any of” and “missing” as criteria Select a transaction and enter VAT data on the right side section of your interface. Collect the VAT to prepare your accounting Considering the entire team's workload, automated VAT detection and entry is a major time-saver for your company. ☝️ Note: If several VAT rates are applied to one transaction, you can find them in the Others section while filtering your transactions. 💡 Tip : You can automate the setting of your VAT rate by attaching a single rate per supplier, within the Suppliers tab of the Purchases section. Learn how with 👉 this article ! | https://help.qonto.com/en/articles/4359609-how-to-fill-or-attach-missing-vat-to-a-transaction |
How does Qonto subscription VAT work? | Is your company registered in France? This is an indirect tax that companies collect on behalf of the State. That 20 % added to your Qonto subscription cost is deductible from the VAT that you collect (too) on behalf of the State as part of your activity. Our advice is the following: keep your Qonto invoices in a safe place! They will be useful for this precious equation: VAT collected - deductible VAT = VAT to pay Is your company registered in Italy, Spain, or Germany? Companies that are not registered in France are exempt from French VAT. We need to know your intra-community VAT number. Please contact us , so we can help you. Of course, this isn't tax advice (there are other experts for that), we're just sharing a good practice that could save you a few euros. Small streams make big rivers. | https://help.qonto.com/en/articles/4359670-how-does-qonto-subscription-vat-work |
How to create a credit note on Qonto? | A credit note is a document from a seller to a buyer that reduces the owed amount for a product or service. It can be for full or partial amounts, and multiple credit notes can relate to a single invoice. Reasons to issue a credit note include product returns or incorrect invoice info. 💡 By law, invoices can't be modified or deleted once issued. A credit note is crucial to cancel an invoice partially or fully, allowing a new, accurate one. How can I create a credit note? If your invoice is unpaid: Go to the Invoicing section, in Qonto, on a desktop. Pick the invoice, click on Cancel with credit note . Enter the required details: Credit note number: if you've set up automatic invoice numbering , your credit notes also get automatic numbering. For manual invoice numbers, assign credit note numbers manually. 💡 If you're using manual numbering and have issued credit notes elsewhere before, make sure Qonto's credit notes are numbered sequentially. For instance, if your last note elsewhere was CN-1, your first Qonto note should be CN-2. Customize credit note numbers in Settings by using manual invoice numbering when creating an invoice. Issue date Additional details (optional) Note that for credit notes issued from unpaid invoices, the Items section stays unchanged and can't be edited. It is not possible to cancel partially an unpaid invoice. If your invoice is already paid: Pick the invoice and click on Create credit note . Enter the required details: Credit note number (manual/auto) Issue date Items: List items for cancellation. Adjust quantity, price, VAT for partial credit notes . Additional details (optional) When ready, click on Create credit note . After creation, credit notes can't be canceled. You can share it via email or link. 💡 If you make a credit note with a lower amount by mistake, create a second one. A full credit note cancels an invoice's status, whether it was paid or unpaid. Paid invoices with a partial credit note, rest as Paid . Invoices with credit notes appear with a small credit note icon. To see, open the invoice and click on Credit note in the Related document(s) section. Can I create debit notes on Qonto? You can only make credit notes on Qonto right now. If you billed less than what's owed, create a new invoice for the remaining amount. You can also add a short explanation in the optional Terms, conditions, and legal notices' field on the invoice if needed. | https://help.qonto.com/en/articles/6788202-how-to-create-a-credit-note-on-qonto |
How can I safely delegate the management of Supplier invoices to my team? | When the Supplier invoices permission is enabled, the Manager can assist with the collection, review, and payment of supplier invoices (either directly or by requesting a payment). ☝️ The Manager role is only available on the Business and Enterprise plans. What can a Manager with Supplier invoices permission do On desktop and mobile Upload invoices with Drive, drag-and-drop, or bulk upload View, download, and delete the invoices of the whole company Edit the invoice information scanned by Qonto (e.g., IBAN, Supplier name) and add missing details to prepare the payment On desktop only Pay by transfer all the invoices or up to their monthly or per-transfer limits (which are set beforehand) Mark invoices as paid and match them with an existing transaction Request payment for invoices in euro directly in the Supplier invoices section, in case: the Manager doesn’t have transfer permission the amount of the invoice exceeds the Manager’s monthly or per-transfer limit The request will be sent for approval to the Owner, Admin, or another Manager who will be able to review it both from the Supplier invoices section and the Requests section. 💡To discover more about Supplier invoices and their request flow click here . How do I allow Manager roles to access Supplier invoices? Invite a new Manager To add a new Manager and give them Supplier Invoices permissions: From the navigation bar on the bottom left, click on Team expenses > Team members User Management > User access Hit the Invite a team member button Select Manager Select the whole company as the scope of their permission. Indeed, only Managers with company-level scope permission will be able to access the Supplier invoices section Choose their expense permissions Enable the “ Upload and set up supplier invoices” permission to let them collect and edit supplier invoices, and request their payments Enable “ Make and approve transfers, and reimburse expense reports” to let them pay supplier invoices directly. Note that if you set transfer limits, above such limits transfers will require Admin, Account holder or Manager approval Activate Supplier invoices for an existing Manager with the whole company scope permissions From the navigation bar on the bottom left, click on Team expenses > Team members User Management > User access Select the manager you’d like to apply this permission to In Expense permissions hit the pencil icon on the right-hand side Enable the “ Upload and set up supplier invoices” permission to let them collect and edit supplier invoices, and request their payments Enable “ Make and approve transfers, and reimburse expense reports” to let them pay supplier invoices directly. Note that if you set transfer limits, above such limits transfers will require Admin, Account holder or Manager approval Hit confirm to apply these permissions Activate Supplier invoices for an existing Manager with Team scope permissions From the navigation bar on the bottom left, click on Team expenses > Team members User Management > User access Select the manager you’d like to apply this permission to In Scope , if Team is listed, hit the pencil icon on the right-hand side to change the Manager’s scope to The whole company . In Expense permissions hit the pencil icon on the right-hand side Enable “ Upload and set up supplier invoices” permission to let them collect and edit supplier invoices, and request their payments Enable “ Make and approve transfers, and reimburse expense reports” to let them pay supplier invoices directly. Note that if you set transfer limits, above such limits transfers will require Admin, Account holder, or Manager approval Hit confirm to apply these permissions How do I revoke the Supplier invoices access from a Manager? From the navigation bar on the bottom left, click on Team expenses > Team members User Management > User access Select the manager whose permissions you’d like to change In Expense permissions hit the pencil icon on the right-hand side Disable “ Upload and set up supplier invoices” permission to remove access to the Supplier invoices section Hit confirm to apply these changes | https://help.qonto.com/en/articles/7206539-how-can-i-safely-delegate-the-management-of-supplier-invoices-to-my-team |
How to use the custom exports? | This feature is only available to our Smart , Premium , Essential, Business, and Enterprise customers. Custom exports allow you to customize your export with the data that fits your business needs. You can also save this custom export as a template for future exports, saving you critical time. All of your custom export templates will be available when selecting “Export Transactions” in the History section. How do you create a custom export template? To create a custom export template, go to the Transactions section of the Qonto app on Desktop. From there, click on Export Transactions and then on Create export template . Here, you will be able to name your template, select the format you prefer (Excel or CSV), and choose the columns you need to display. 💡 Tips: For the CSV format, you can also choose between a semicolon and a comma separator. 👉 For more information about what do the fields of the ‘full Export (CSV format)’ mean, click here . Don’t forget to click on Create template to save your custom template. Your template will appear on your export page, under Export type. Don’t forget: Your export template will be available to all members within your organization. How do you customize your template? In Columns, choose the data you want to have in your export template. By default, 3 columns are proposed: settlement date (UTC), Counterparty name and Total amount (incl. VAT). In addition to these, you can select from an extensive list of other columns to apply. Save time by searching for the columns you really need. Rearrange your columns by using the drag-and-drop option. If you don’t need a column, simply remove it by clicking on the trash icon. 👉 Good to know: Some columns are unavailable for Managers with limited permissions because they display information to which they do not have access. Contact your Admin or Owner to update your permissions, if needed. As a final step, you will have the option to include in your template the declined, canceled, and reverted transactions. By default only executed and processing transactions will be included in your template. How do you use a custom export template? Filter in Transactions the transactions you want to export. Discover how to do so in 👉 this article . Click on Export transactions and then choose the custom export template you want to use. Discover how to do so in 👉 this article . How do I edit or delete a custom export template? On the export page, click on the pencil that appears in the top right-hand corner of the export template that you want to edit. To delete a template, simply click on the trash icon. 👉 Good to know: The export types proposed by default can’t be modified or deleted. | https://help.qonto.com/en/articles/8002095-how-to-use-the-custom-exports |
I have a circularization letter request, can I send it to Qonto? | If your auditor sends you a circularization letter to be completed by your bank, simply send it to us in PDF format. We will then complete it for you. 😊 To do so, contact us via chat by logging in to your Qonto account and clicking on the bubble in the bottom left corner. 💬 | https://help.qonto.com/en/articles/5028389-i-have-a-circularization-letter-request-can-i-send-it-to-qonto |
What is the Accounting hub and how does it work? | Keep all your company’s bookkeeping in one place, request any missing supporting documents in a few clicks and retrieve your Qonto data on your preferred accounting tool. Access all your organizations from the Accounting hub : either type the name of the organization you’re looking for into the search bar, or click directly on it in the sidebar menu. On the selected organization’s page, you can complete all the required actions to complete your bookkeeping. Who can access the Accounting hub? All users with at least one Accountant role have access to the Accounting hub . This means that all roles can potentially access it. However, the information displayed differs according to your role: Admin , Owner and Accountant roles have full access. Manager and Employee roles have limited access. If you have a Manager or Employee role and would like full access, ask the account’s Owner or Admin to upgrade your role. 👆If your Qonto accounts are split between different email addresses, you may want to consider grouping your various accesses under the same email address. How do I access the Accounting hub? After logging in, you’ll arrive directly in the Accounting hub . If you click on a given company and then wish to return to the Accounting hub , use the drop-down menu in the top left of your screen. 👆 The Accounting hub is only available on desktop devices. How do I analyze transactions at a glance? When you select a company, you have access to each of the 10 custom views that can be set up on the Transactions page. Click on the custom view you want to see and you’ll be redirected to the Transactions page. You can also go directly go to the Transactions tab by clicking on “ Show all” . Check out this dedicated article to learn more about custom views . 👆 Pro tip: Request all missing attachments in one go Set up a custom view of transactions with missing attachments on the Transactions page of the company Select all transactions by checking the box in the top left corner of the transaction table. Click on " Request receipts" on the right-hand side of your screen, and then " Apply" - Qonto will do the rest. How do I retrieve account statements autonomously? Access a specific companies’s account statements for all its current and closed accounts. You can download the latest account statement directly just by clicking on it. If you want to see more account statements, click on “ Show all .” How to export transactions or supporting documents? Click on “ Propel your productivity” to install an integration with your preferred software (Cegid Expert, ACD, Fulll and 10+ other platforms). Check out our dedicated article to learn more about installing each integration. Only for the 🇫🇷 Market: users with more than 3 Accountant roles will see a jedeclare card from the Accounting hub . This card will disappear as soon as the EBICS connection with jedeclare is set up. 👆 Pro tip: set up an EBICS connection between jedeclare and Qonto within 24 hours from the Accounting hub section, or from the Integration section. Check out our dedicated article to discover more. Can I revoke my access to a Qonto account? It’s not possible for a user with an Accountant role to independently revoke their access to an account. To have your access revoked, you’ll need to contact the account’s Owner or Admin . This policy ensures an organization’s financial information remains secure and confidential. | https://help.qonto.com/en/articles/7142084-what-is-the-accounting-hub-and-how-does-it-work |
How to automate the transfer of your digital receipts and invoices to Qonto? | Take a few minutes to set up the automation and save hours by automatically attaching your regular payments with the right receipt to your Qonto account. This magic trick facilitates our feature that lets you automatically pair your receipts received by email to the right transactions when you transfer them to your dedicated Qonto address . It works for the majority of email accounts. Let’s take the example of Gmail: the idea is to make sure that when you receive a recurring email (that you receive every month, quarter, year, etc.) containing an invoice or receipt, Gmail forwards it directly to your dedicated Qonto address. ☝️This magic trick also works for receipts as well as paid / unpaid supplier invoices. Firstly, save your dedicated Qonto address as a forwarding address in Gmail so that it can then be used as a forwarding address. In the “Forwarding and POP/IMAP” section of your Gmail settings, click on the grey rectangle “Add a forwarding address” and enter your dedicated Qonto address ( find it here ). Click “Next”, then “Proceed”. A confirmation code has been sent to verify permission. Click “OK”, then find the code in your current email inbox, opening it in a new tab or new window to avoid having to restart the process. The code is made up of 9 digits and you just need to copy it. Back in your original window, paste the code in the dedicated text field and click “Verify” Perfect, your Qonto address is now recognized by Gmail. Now it’s time to create our filter! In the “Filters and Blocked Addresses” section of your Gmail settings (just before “Forwarding and POP/IMAP”), click “Create a new filter” Enter the email address that the service you pay for regularly uses to send you digital invoices, like for software for example. Tick the “Has attachment” box, as the emails we need have the receipt or invoice attached that we want to send Next click “Create filter”, and then “Add forwarding address”. Here, select your dedicated Qonto address. Then click one last time on “Create filter” and you’re done! All that’s left to do is check, via the email confirmation we’ll then send you, that each paired attachment is correct. You can repeat these steps for any service provider that regularly sends you receipts. 💡 Good to know: Find any receipt or invoice that wasn’t automatically match in the Supplier Invoices section. | https://help.qonto.com/en/articles/5753467-how-to-automate-the-transfer-of-your-digital-receipts-and-invoices-to-qonto |
How does the forwarding email address work? | For optimized management of digital receipts and invoices, these can be forwarded to us directly by email, to a dedicated Qonto address. We pair them with their corresponding transactions automatically in your application, so you no longer need to add them to Qonto manually. ☝️ This feature is available for our Smart , Premium, Essential, Business and Enterprise packages, and for outgoing payments only. What about paper receipts? If they have been uploaded to your Qonto application after December 2020, they can be stored and certified with the same legal value as your digitised receipts. Read this article to learn more. How does it work? When a supplier emails you an invoice or receipt, you can forward it directly to your company’s unique Qonto email address. You can find this address on your Qonto web application, under Settings > Tools customization > Receipt forward. Be sure to send these documents from the email address you use in Qonto, as an external address will not be recognized. 💡 You can also whitelist another email address if you prefer to forward your receipts from your company’s billing address, for example. To do so, simply go to your Qonto web application. Our algorithm detects this information automatically and pairs the receipt with its corresponding transaction. It then magically appears in your Qonto application! As an added bonus, the VAT is detected and applied to the transaction in Qonto automatically 😉 For receipts contained in the email body instead of an attachment (an Uber receipt, for instance), we convert it to a PDF and associate it with the transaction. 3 possible scenarios Once we’ve received your receipt by email, there are 3 possible scenarios: In the majority of cases, we're confident that the receipt will be paired with its corresponding transaction. We'll send you a confirmation email with a link to your Qonto web app, so you can make changes if necessary. If we have doubts about the matching of a receipt, we'll send you suggestions for potential transactions. All you have to do is click the link provided to select the correct transaction. The suggested receipts are also displayed from the transaction on Qonto. If we're unable to find a transaction for the receipt, we'll let you know by email. In this case, you can either: retrieve the receipt and match it to the right transaction from the Supplier invoice section download the receipt and attach it manually from the Transactions section 💡 Good to know: If an invoice is forwarded before the transaction is completed, you can still forward us the document. We will pair it with the transaction automatically once it has been completed. | https://help.qonto.com/en/articles/5045700-how-does-the-forwarding-email-address-work |
How to review my transactions for accounting? | Whether you are independent or in a company, the transactions review process ensures that everything is correctly prepared for accounting. Several parameters need to be considered: Receipts are attached to correct transactions VAT amount is captured Right categories and labels are applied At Qonto, we ease your bookkeeping preparation so that you can concentrate on what matters for your business. Step 1 - Filter your transactions Go to the Transactions section of your Business account. Filter more precisely by creating custom views, adding multiple criteria , clicking on Filters . You will be able to set up filters once and have access to it each time you connect to Qonto. ☝️ You can access several types of transactions using the "or" condition. All relevant transactions will be displayed at once! For example: Filter "transactions of more than 50euros" OR "the ones updated last week AND the ones from the marketing category". Step 2 - Verify your transactions When you click on a transaction, a side panel appears. You have access to a full screen verification module by clicking on the receipt attached to the transaction. You don't approve the transaction: If there's any other missing info (VAT, labels), you can add them or contact the person to add them. You approve the transaction: Click on Mark as verified at the end of the side panel. Your transaction is ready for accounting! ☝️ To save time, you can use the default view "To verify" and select multiple transactions at once, and apply Mark as verified on the whole selection (only available on the web app). Note that this new feature is available from the Smart plan and above. How to access all the mark as verified transactions? In the Transactions section, filter: Verification and is done . You'll get the full list of verified transactions. 💡 Filters are accessible for all ! However, bookkeeping functionalities (Request attachment, Mark as verified) are only accessible from the Smart Plan. You can upgrade to an advanced plan by going in the Settings to the Billing and invoices section 💡 Did you know you can give viewing access to your accountant directly? This will ease your interactions! 👉 How can I give access to my accountant? 💡 All team members, on Essential , Business and Entreprise plans, will be reminded to upload their receipts in case they have transactions without receipts . | https://help.qonto.com/en/articles/5480988-how-to-review-my-transactions-for-accounting |
How to manually upload a receipt or an invoice on a Qonto transaction? | With Qonto, you can provide supporting documents for your accounting by manually attaching invoices and receipts to your transactions, directly from your Transactions section of your Qonto apps. 💡 If you want to import several invoices at the same time or import an outstanding supplier invoice, you can also use the Supplier Invoices section of your Qonto app from your computer, forward your invoice(s) to Qonto by email or also connect your favorite cloud storage solution - Google Drive or Dropbox . Since December 2020, Qonto keeps and certifies your uploaded receipts with probative value. What does it mean? In detail, it means that your paper and digital receipts have exactly the same legal value. Take a look at this article to know more about it. How does it work? Upload a receipt or an invoice directly from a transaction. 📲 From your mobile app : Go to the Transactions section, Click on the transaction of your choice and have a look at the Receipts section on your right Upload your file in the small box under Attachments / Receipts and voilà ! Or, you can upload your receipt/invoice directly from the home page by clicking on the shortcut Scan receipt. We will automatically attach it to the corresponding transaction. ☝️ Good to know : if you have a Solo Smart or any superior plan, you can retrieve your uploaded receipts/invoices in the Supplier invoices section (not available for Solo Basic plan). 🖥️ From your computer : Go to the Business account > Transaction section Click on the transaction of your choice and take a look at the Receipts section on your right Upload or drag your file in the small box under Attachments / Receipts and voilà ! 💡 You can add up to 5 receipts per transaction. If you need to add more receipts, we advise you to merge your receipts into one unique document and add it to the transaction. ☝️ Good to know: You are an Admin of your Qonto account? Keep in mind that you can ask your team members to upload a receipt by simply clicking on Request receipts , on the transaction of your choice. What can I do if a transaction doesn’t need a receipt nor invoice, or if I lost the receipt ? Don't worry! To be sure this receipt won't be requested anymore, you can report it as not required or lost. To do so, follow these few steps from your computer : Go to the Business account > Transactions Click on the transaction of your choice Go to the Attachments/Receipts section Click on the icon “…” displayed on the top right Click on Attachment not required or Receipt lost 💡 Good to know: If several transactions do not require receipts or if the receipts are lost, simply select the relevant transactions and choose Not required or Required but lost in the Attachments/Receipts column. How to delete a receipt or an invoice ? You've already attached a receipt to your transaction but want to delete it? It's easy! Just click on the icon at the right of your file, and confirm your choice by clicking on Delete . | https://help.qonto.com/en/articles/4359639-how-to-manually-upload-a-receipt-or-an-invoice-on-a-qonto-transaction |
How do you manage your receipts over time in your Qonto account? | With Qonto, you have the ability to attach a receipt to each of your transactions, directly from your web or mobile app. As of December 2020, receipts deposited on your Qonto app are stored and certified as evidence from the Smart plan. What does this mean? Quite simply, your paper receipts and digitalized receipts have the exact same legal value. You are therefore free of paper receipts, while remaining in compliance with the law and the administrations concerned. Take a look at this article to learn more. As an added bonus, to make entering VAT information easier and more secure, businesses with a Smart, Premium, Essential, Business or Enterprise plan can enjoy automatic VAT detection when adding their receipts to the Qonto account. The Qonto algorithm detects the amount and rate of VAT applied on the receipts and pre-enters the information in the interface. We explain everything here . How to associate a receipt to my transactions? To deposit a customer or supplier invoice on your Qonto application, you have two options: From the mobile application , take a picture of your receipt, select the corresponding transaction in the History tab and click on Add under the heading Receipts. From your computer , in the navigation menu, click on Business account and select the Transactions section. Choose the transaction in question, then look at the Receipts section on the right. In the little box under Receipts , drop your file and you're done! If you are an Owner or Administrator and have a Smart, Premium, Essential, Business or Enterprise plan, you can also add your supplier invoices: From your computer , via your Supplier Invoices space by importing all the invoices of your choice, paid or to be paid, using the Add an invoice button From your mailbox, by transferring directly your supplier invoices to your Qonto e-mail address unique to your company From your online storage space, automatically importing all your invoices by connecting your account to Google Drive or Dropbox . The Account holder and team members are reminded every week to upload their receipts if they have some transactions without attachments . (available only for Team plans , more details here ) 👆 All invoices already paid and imported via any of these three methods are automatically associated with the correct transactions in your Transaction section. | https://help.qonto.com/en/articles/5440818-how-do-you-manage-your-receipts-over-time-in-your-qonto-account |
How can I export my transactions? | If you have an Admin, Manager, or Accountant role, the Transaction section in your Business account allows you to export your transactions (or those of your team if you are a Manager). In the Transaction section you can easily filter transactions by date, payment method, member, amount, custom label, and more. When exporting your transactions, you can choose to download: Some transactions by using filters, custom views or the search functionality All transactions Their dedicated attachments 👆 Good to know: These actions are not available for users with Employee role. If you have a Manager role with the scope Team, you can export transactions for your team only. The matching you have done in Qonto will be reflected in the “ Attachments ” column where you will see the name of the document(s) that has been matched to each transaction. Exporting your data This feature is available to all plans. To finalize your export , just select a file format corresponding to your needs. The following types of formats are available: Full data (Excel or CSV): includes all information related to your transactions. This will only export executed and processing transactions. Simple data (Excel or CSV): includes only 3 columns: settlement date, counterparty name and amount. This will only export executed transactions. This is the closest format to your bank statements. OFX: this format is used by accounting tools such as Quadratus, Isacompta, Xero or Cador. This will only export executed transactions. Keep in mind that you will need to set up Qonto as a bank account within those tools prior to importing the OFX file, or the import could fail. QIF: this format is used by accounting tools such as Xero, Cegid or Sage. This will only export executed transactions. MT940 (for German organizations): this format is used to transmit account statement data. This will only export executed transactions. TeamSystem (for Italian organizations): this format is also used to transmit account statement data. This will only export executed and reverted transactions. Also, there is no time limit on how far you can go back in your transaction history when exporting your transactions from your Qonto account. Please note that you can download exports up to 10,000 transactions at a time. 💡 Instead of manually exporting and importing your transaction data, you can try one of our app integrations, which will keep your information synced between Qonto and your preferred third-party tool. The list of available integrations can be found here . Related articles: How to import CSV file into QuickBooks How to import QIF file into Xero How to import CSV file into Sage How to import CSV file into Excel 💡 For users on our Smart plan and above, Qonto offers the possibility to create custom export templates. For more details about this feature, don’t hesitate to consult this FAQ . | https://help.qonto.com/en/articles/4359644-how-can-i-export-my-transactions |
How to use the analytics labels? | Analytics labels help you categorize your transactions for better financial understanding. You can create and assign these labels to your transactions. They'll appear on your dashboard and in your export files, simplifying your financial management. 👆 Note: This feature is only available to our Smart , Premium , Essential, Business and Enterprise customers. How to configure your list of labels? To create, modify, or delete label lists on the web interface, visit the Settings section, and select Analytics labels . You can name and define up to 10 lists , each containing an unlimited number of labels. For instance, create a "Transport" category with labels like "Train," "Plane," and "Taxi," or an "Online Marketing" category with labels such as "Facebook Ads" or "Linkedin Ads." How to add labels to your transactions? You can add manually a custom label to a transaction by going to the Business account tab on your interface. Click on a transaction, go on bookkeepings details, and then select a pre-defined label in the Labels section. You can add labels via your mobile or web Qonto app. How to add labels to your suppliers? Save time by adding custom labels directly to your suppliers, in addition to transactions. Learn how in 👉 this article . How to use labels in my dashboard? Optimize cash inflow and outflow management by using custom labels to compare transaction categories on your dashboard. For more details, check out 👉 this article . | https://help.qonto.com/en/articles/4359614-how-to-use-the-analytics-labels |
How to filter my transactions? | In the Business Account section , you'll find that you can easily filter transactions by date, payment method, member, amount, analytic labels, and more. It is also possible on mobile to filter by "My transactions”, “Missing receipts” or “Method” (cards, transfers, direct debits, checks). You can add as many criteria as you like, using the "and" / "or" conditions. E.g.: transactions over €50 "or" updated last week. You can also create, update or delete custom views that exactly fit your business needs. Indeed, by clicking on "Add a custom view" from the view list, you will be able to define the name & query of the new view. This new view can be edited at any time. Once the update is done, you just have to click on "Save and apply". You also have the possibility to filter your transactions by using the search bar at the top of the page. Once you're satisfied with your filter selection, you can export up to 10 000 transactions to another software. 💡The filters, the custom views and the search bar you set at this stage will impact your final export. Here are a couple of examples of how you can use filters: Export transactions of a certain period: If you'd like to export your transactions from last month: You can filter by date and set the values From: to the first day of the month and To: to the last day. Use the Status: Executed, to exclude all pending, declined, canceled and reverted transactions. Make sure you apply the filters to the export settings. See all your income or expenses: To do so, you can filter through amount: To see income sources only: input "0" in MIN. AMOUNT. So that only >0 transactions will be displayed in the results. To see spendings only: input "0" in MAX. AMOUNT to display <0 transactions in the results. You can then automatically remind employees who have not submitted their receipts by clicking on Request a receipt . Prepare your accounting You can speed up your bookkeeping by attaching your receipts to your payments. To quickly identify the transactions with a missing attachment, you need to use the "Missing receipt(s)" filter. ☝️ Good to know: You can then automatically remind employees who have not submitted their receipts by clicking on Request a receipt . You can also use our default view entitled "To verify" in order to verify that you have the right document, VAT rate, label for all transactions up-front and limit the number of future interactions with your accountant. This view is available from the Smart plan and above ☝️ Good to know: From the Smart plan, the VAT rate is automatically detected when you add a receipt. | https://help.qonto.com/en/articles/4359613-how-to-filter-my-transactions |
What do the fields of the 'full Export (CSV format)' mean? | Your extended CSV is pretty extensive. Here are the fields you'll find inside, and how they can be useful to you at the time of export. Field name What data does this field contain? Status The status of your transaction. It can include the values processing or settled . Transaction ID The unique reference of your transaction. Operation date (UTC) The date and time at which the payment took place , according to the UTC timezone. Operation date (local) The date and time at which the payment took place , according to your user's timezone , defined in your settings. Settlement date (UTC) The date at which the transaction impacted your account's settled balance, according to the UTC timezone. This field is empty for processing transactions. Settlement date (local) The date at which the transaction impacted your account's settled balance, according to your user's timezone, defined in your settings. This field is empty for processing transactions. Counterparty name The name of the counterpart. For a card payment, it is the merchant's name. Payment method The payment method used to perform the transaction. It can be a card , transfer , subscription_fees , direct_debit or check. Initiator The initiator of the transaction. That's the cardholder of the card used for the payment, or the person who initiated or requested the transfer. This is empty for incoming transfers and direct debits. Category The category assigned to the transaction. Reference The reference of an outgoing or incoming transfer. This field is empty for other transaction methods. Note The internal note attached to the transaction. Total amount (incl. VAT) The amount of the transaction. Currency The currency of the amount. Qonto only offers EUR payment accounts, so this value is always EUR. Total amount (incl. VAT) (local) The amount of the transaction in the original currency the payment was made. For a payment in EUR the value is the same as amount . Currency (local) The original currency in which the payment was made. (e.g: USD) Total VAT amount The amount of VAT , in EUR Attachment The names of the files attached to the transaction, so you can easily find them in your attachments export. Custom_label_1 The name of this field varies depending on the custom label you defined. It is empty unless you specified a label on that transaction. Custom_label_2 Same thing as custom_label_1 Custom_label_3 Same thing as custom_label_2 | https://help.qonto.com/en/articles/4359527-what-do-the-fields-of-the-full-export-csv-format-mean |
How to automate the processing of my receipts with Qonto? | Automatically associate all your invoices and receipts to the right transactions in Qonto and save valuable time on your bookkeeping. 👉 Customer invoices can only be manually associated to your transactions from your Business account > Transactions . How does the automatic processing of receipts work? Qonto can process any supplier invoice or receipt imported from your Supplier Invoices section, transferred from your email box or imported from your online storage space, Google Drive or Dropbox . When imported, invoices are automatically scanned by Qonto. Optical Character Recognition (OCR) extracts all the important information contained in your document, and our algorithm analyzes this information to associate the invoice with one of your outgoing payments. 💡 We even automatically extract the VAT for you! How to import a supplier invoice or a receipt in Qonto? Import all your receipts, regardless of their origin: From your computer, use your Supplier Invoices section to download multiple invoices at once, either paid or unpaid. Forward your invoices received by email to your forwarding email address . You can even automate the transfer of your digital receipts from Gmail to Qonto. Connect your cloud storage solution directly to your Qonto account, in order to automatically import all your invoices and receipts from your Google Drive or Dropbox folder. 👉 These features are only available for Smart and higher plans. Invoices and receipts added manually to a transaction from the Business account section will not appear in your Supplier invoices section. What if my receipt was not automatically matched to the right transaction? If no corresponding transaction can be found, you can attach the invoices to the right transactions manually: From your computer, click on the Invoices menu and then access your Supplier invoices section. In the Imported tab, visualize all the invoices that could not be automatically attached to a transaction, sorted by due date. Click on the invoice you wish to link to an existing transaction, and then on the Mark as paid button. Select the transaction you wish to associate your receipt with, or click on Continue without transaction if you don't wish to associate it with any. 💡 Good to know: Unpaid invoices also appear on the Imported tab of your Supplier Invoices section, to help you streamline the management and payment of your upcoming payments. (Read more) If your invoice or receipt is neither accessible from the Imported tab nor the Processing tab of your Supplier Invoices section, please verify that your document does not exceed 15 MB and that all the important information on your invoice is legible (e.g. VAT number, amount, etc.). You can then try to re-import the invoice or download it directly in your Business account >Transactions by clicking on the corresponding transaction. | https://help.qonto.com/en/articles/6511315-how-to-automate-the-processing-of-my-receipts-with-qonto |
How can I use the transactions exported from Qonto in Google Sheets? | Information about your transactions is uploaded to Google Sheets automatically, so you can complete more detailed analyses of your past transactions and manage your finances as you see fit. Need help using the Google Sheets file that contains your exported Qonto transactions? This article provides you with a step-by-step guide. How do I use the data exported to Google Sheets? To use your exported Qonto transactions in Google Sheets, you will need to change the date of your transactions, as this is still unavailable in Google Sheets. Keep in mind that the Sync. Transactions - Do not edit tab cannot be modified directly to protect against any accidental changes. If you modify this tab, the connection will be suspended, and your transactions will no longer be imported automatically. Step 1: Duplicate your transactions in another editable spreadsheet Log in to your Google Drive account and open the Google Sheets file created when the integration was installed. To quickly locate the file, enter type:spreadsheet "Qonto Connect -” in your Google Drive search bar. Create a new spreadsheet by clicking on + at the bottom left of your screen, then click on the A1 cell and enter =(importrange Add the URL of your spreadsheets in quotation marks, for example: “ https://docs.google.com/spreadsheets/d/1MJud6TQOxS5VlRe0BlXKHm5QIeLVivSDv9Ukc/edit?usp=sharing” In the same formula, add a comma, and copy-paste "'Sync. transactions - Do not edit'!A:AZ” , then click Enter . Your imported Qonto transactions have now been duplicated in another spreadsheet. ⚠️ Keep in mind: Avoid editing columns in which data are imported via the =importrange feature, as this will cause the synching of your Qonto transactions to stop. Read this article for more information about the =importrange feature. Step 2: Change the date of your transactions automatically In the spreadsheet you have just created, click on the first empty cell at the right of your screen in line 1, and enter the formula =ARRAYFORMULA(split(F2:F," ")) in which the F column corresponds to the settlement_date_local column. Click on the first empty cell at the right of your screen in line 1 and enter =ARRAYFORMULA(REPLACEB(AI2:AI,3,1,"/")) , then replace AI2 and AI with the coordinates of the cell you have used to populate the previous formula ( AI2 and AI in the example below). Click on the first empty cell at the right of your screen in line 1 and enter =ARRAYFORMULA(REPLACEB(AJ2:AJ,6,1,"/")) , then replace AJ2 and AJ with the coordinates of the cell you have used to populate the previous formula ( AK2 and AK in the example below). Finally, click on the first empty cell at the right of your screen in line 1 and enter =ARRAYFORMULA(RIGHT(AK2:AK, LEN(AK2:AK)-3)) , then replace AK2 and AK with the coordinates of the cell you have used to populate the previous formula ( AL2 and AL in the example below). You may now use the data from this sheet to create all the graphs and dashboards you need to manage your business. 👉 Keep in mind: To create personalized filters in your Qonto dashboard, we recommend leaving several empty columns between the first empty cell at the right of your screen and the operations from step 2. | https://help.qonto.com/en/articles/6389768-how-can-i-use-the-transactions-exported-from-qonto-in-google-sheets |
Qonto App | The is available in the Play Store and App Store . APK If you'd really like to use Qonto without a Google / Apple account, you can download our Android application by clicking on this link. To complete the download, you'll need to access your device's Settings . In principle, you'll need to go to Settings > Security > Allow unknown apps (navigation may vary from one device to another). By downloading this application, you will be responsible for updates , available from the same link, to ensure its operation. ⚠️ Please note that we do not guarantee an optimal user experience when using this application. Its operation is optimized via the Play Store and l’ App Store . We therefore advise you to use this option only as a last resort. Account opening If you wish to register, open the account by clicking here . When using your computer, choose one of the available websites for the current markets: 🇩🇪 DE , 🇫🇷 FR , 🇪🇸 ES , 🇮🇹 IT . It is not yet possible to proceed at your capital deposit using the application. If you want to know more about Who can open an account at Qonto? please read the mentioned article. | https://help.qonto.com/en/articles/4359665-qonto-app |
As a Manager, how can I manage Supplier Invoices on Qonto? | Admins and Account holders can give access to the Supplier Invoices section to Managers with the whole company scope. If you’ve been granted permission to access the Supplier Invoices section, connect to your app and go to Invoices > Supplier invoices . 💡 More details on the Supplier invoices section: here . What can I do with the Supplier Invoices section? 📲/💻 Both web and mobile app: Upload invoices with Drive, drag-and-drop or bulk upload View, download, and delete the invoices for the whole company Edit the invoices' information scanned by Qonto or add missing details (Supplier’s details, invoice number, due date, payment amount, and description) to prepare the payment 💻 Web app only: Mark invoices as paid and match them with an existing transaction Pay by transfer all the invoices or up to your monthly or per-transfer limits (which are set beforehand) Request payment for invoices in euro from the Supplier invoices section in case: you don’t have transfer permission the amount of the invoice exceeds your monthly or per-transfer limit The request will be sent for approval to the Admin, Account holder or another Manager (if the amount does not exceed the transfer limit defined) with an email and notification. How can I pay a supplier invoice if I don’t have transfer permission or if I have reached my transfer limit? For invoices in euro: From the Imported tab in the Supplier invoice section , open an invoice by clicking on it Fill in the mandatory fields (Supplier name, due date and amount) Click on Request transfer You will be redirected to the transfer request. The account Owner, Admin, or another Manager (if the amount does not exceed the transfer limit defined) can: Approve the transfer , which will be executed the next morning (you will be notified by email) Reject the transfer , and the invoice will move back to Inbox, along with an explanation of the rejection, so you can make the necessary changes and submit the request again In case of change of plan or error, you can also cancel a transfer request (until your request is approved or rejected by an Admin, Account Holder or another Manager). For invoices in currencies other than euro: Requesting a non-euro transfer for an invoice is not possible at the moment. To pay such invoices, you’ll need to reach out to an Admin, Account Holder or another Manager with transfer permission. 💡 Note that you will also be able to see and reject a transfer request from the Requests section. I’m a Manager, but I can’t see the Supplier invoices section. Why? It’s likely because your scope permission on Qonto is set on Team and not Whole company . Only Managers with whole company permission can see the Supplier invoices section. You can ask your account Owner or Admin to update your permissions. | https://help.qonto.com/en/articles/7299131-as-a-manager-how-can-i-manage-supplier-invoices-on-qonto |
How does the Supplier invoices section work? | With the Supplier Invoices section, you can manage your supplier invoices conveniently from a single tab, the Inbox : Collect your invoices Attach your receipts and paid invoices to the transactions (Learn more) . Easily prioritize overdue invoices, review details, and make payments in just a few clicks. Once an invoice is matched or its payment is created, Qonto removes it from your Inbox, leaving only the invoices that require your attention! This feature is accessible from the mobile and web app to: Account holders and admins of Smart and higher plans. Managers with Whole Company scope and the Upload and set up supplier invoices permission. They can also make direct payments to suppliers (within transfer limits) if they have the Make and approve transfers permission. Accountants with view-only mode. 💡 Note: The Supplier Invoices section is not for processing customer invoices . How does it work? To access to the Supplier invoices section: Go to the Invoices section : From the web app, select the Invoices icon on the navigation menu From the mobile app, click Plus in the lower right corner Select the Supplier invoice section On the top of your screen, you can get insights on the total amount of: Invoices in your inbox Invoices in pending Invoices for which there is a scheduled payment Invoices paid in the last 30 days. Collect invoices: Collect all your invoices, either paid or unpaid, in your Inbox : Using the Upload invoices button of your Supplier Invoices section, or directly dragging and dropping your documents at the center of the Imported tab, in the web app. From your email box, using your forwarding email address . From Google Drive or Dropbox . 💡 Note: Invoices and receipts added manually to transactions from your History will not appear in your Supplier invoices section. Pay or match invoices: Already paid invoices: Qonto automatically matches receipts and paid invoices to the right transaction and moves the invoice from the Imported to the Completed tab of the Supplier Invoices section. If we could not match the invoice to the relevant transaction, go to your Inbox and click on "...” then on Mark as paid to manually attach the invoice to the relevant transaction. You can also decide not to match the invoice with a transaction, if you don't wish to associate the invoice with any. Unpaid invoices: For invoices in your Imported tab, click on [ ... ] to : Edit the payment details. Pay either with a classic SEPA transfer, a scheduled SEPA transfer, an instant transfer , or a SWIFT . Once the transfer is created, Qonto moves the invoice to Completed in the case of an instant transfer or in the Processing tab for the other type of transfers. For the latter, the invoice will be moved to Completed once the transfer is executed. Qonto automatically attaches the invoice to the corresponding transaction in your Business Account > Transactions section. You will also be able to download your proof of transfer once it has been executed. Your Supplier i nvoices area does not allow you to make bulk transfers , to pay by card, or to set up your SEPA direct debits . Check out 👉 this article to learn how Managers can use the Supplier invoices feature. C ancel or reschedule payment: To cancel a scheduled transfer through the Supplier Invoices section: Check the transfer status to ensure it hasn't been executed yet. (Learn more about transfer execution dates here ) . On the Web app, go to the Business account section on the navigation menu, then navigate to Transactions or Transfers . From the mobile app, go to the History or Transfers section. Select the transfer you want, and click Cancel transfer at the bottom left. If you initiated the transfer from the Supplier Invoices section and it's been cancelled , declined , or returned , the invoice will return to your Inbox . D elete an invoice: To delete an invoice, click the three dots " ... " on the invoice or select the invoice and click the trash can icon 🗑️ in the top right corner. Avoiding Duplicates: To prevent paying the same supplier invoice twice, a notification will appear during the import of your invoice if our system suspects a duplicate. In this case, you can click on Review Invoices on the notification. A screen will then display the imported invoice along with potential duplicates. You can then decide whether you want to keep or delete it. | https://help.qonto.com/en/articles/6511268-how-does-the-supplier-invoices-section-work |
Why do we ask for information about your business finances during your account opening ? | As a payment institution , Qonto operates under the supervision of the ACPR ( Autorité de Contrôle Prudentiel et de Résolution ) and is subject to: Regulations related to anti-money laundering, The implementation and compliance with internal compliance and security rules, The collection of information on the business activities of its clients. Therefore, by asking our clients to declare their sources of funding, we aim to: Understand our clients and their needs, Understand the financial situation of our clients and their organization, Build a strong professional and commercial relationship, Provide the highest quality of service. | https://help.qonto.com/en/articles/8870499-why-do-we-ask-for-information-about-your-business-finances-during-your-account-opening |
How do I fill in my existing company’s ultimate beneficial owners’ information during the registration process? | Have you just started your registration and need help filling in the ultimate beneficial owners’ information (U.B.O.)? You have come to the right place! Because your time is precious, at Qonto we have designed your registration process to be the fastest and more efficient possible to create your professional account. Let’s get straight to the point: You have reached step 5 of your registration process and have just confirmed your personal address. Now, you need to check your company’s U.B.O.s information. At this stage, you can find yourself in one of the three different scenarios below : 1️⃣ The information of all U.B.O.s was automatically filled in: You don’t have to take any action but proceed to step 6 of the registration process: the choice of your offer . 2️⃣ The UBOs are listed, but some information is missing: The mention « Missing Information » appears next to the name of the concerned U.B.O. You have to click on the « Provide Information » button to complete their personal information and upload a high-resolution photo of their identity document . 3️⃣ The U.B.O.s are not listed at all : You have to add their information manually, using the button « Add another beneficial owner ». You have to complete their personal information and upload a high-resolution photo of their identity document . Please have in mind that in case you are facing scenario 2️⃣ or 3️⃣, we will need you to provide one of the following documents, to confirm the current U.B.O.s list of your company : Bylaws General meeting minute Financial statement INPI's Document de synthèse définitive or Extrait d'Immatriculation INPI's Document de synthèse de dépôt are not admissible. Our customer support team will reach out to you by email, once your registration is done to request one of these proofs. Save time and prepare the document right now! 🚨 One of the U.B.O.s passed away ? Please contact us via [email protected] . | https://help.qonto.com/en/articles/6187369-how-do-i-fill-in-my-existing-company-s-ultimate-beneficial-owners-information-during-the-registration-process |
Why do you have to declare your tax residence information? | 🇫🇷 This article is only applicable to companies registered in France. As you know, Qonto is a regulated financial institution. We are under the obligation to disclose to the competent authorities our customers who are US tax residents or tax residents of a country other than France. This is nothing to worry about and is merely an administrative formality. Are you a US citizen or tax resident? Is your business taxable in the US? Complete the form and send us your US Tax Identification Number or your company's US Tax ID number. This is the number you normally use for all your administrative and tax procedures. For individuals, this is the Social Security Number (SSN) or Employer Identification Number (EIN). Find out more For companies, you will find this number on your tax return. Please do not take too long in replying to this request. If you do not answer, and if you are a US tax resident, you may be liable to a flat-rate withholding tax of 30% on some of your US income in compliance with their regulations. Are you or your company tax residents in a country other than France or the United States? Complete the form and send us your Tax Identification Number or your company's Tax ID number, if you have one. You can find it on your tax return or your company’s tax return. Find out more Please note that not all countries have a Tax Identification Number. If yours is one of these, stating the country of your tax residence or that of your company will suffice. Is your company a Passive Non-Financial Entity (PNFE)? If your tax residence or your company’s tax residence is based in the United States or in a country other than France, then you must inform us whether your company is a Passive Non-Financial Entity (PNFE). What is a PNFE? A PNFE is considered to be passive, when more than 50% of its income is said to be "passive" (dividends, rent, interest, capital gains, etc.) or when more than 50% of its assets generate passive income. For instance, this is the case of a family-owned property company, an asset management company or an investment fund. Is one of the beneficial owners, in your passive PNFE company, a tax resident in the United States or in a country other than France? Simply provide us with his or her surname, first name, date/place of birth, and tax ID number. ☝️ As a reminder, a beneficial owner is an individual who owns more than 25% of the capital, voting rights, or any other controlling power over a company. | https://help.qonto.com/en/articles/4359523-why-do-you-have-to-declare-your-tax-residence-information |
Where can I find my or my team member’s fiscal code? | If you are an Italian citizen or resident and your company is registered in Italy, you should have been provided with a fiscal code . For tax reporting purposes, Qonto needs to collect this information for any Qonto account owner, beneficiary owner or team member with access to the account. Your or your team member’s fiscal code can be found either: On the back of the biometric ID card; On the front of your health insurance card; Or you can generate the fiscal code using this online tool and verifying it on the official government database. We require the fiscal code when you sign up for a new Qonto account in Italy or to enable tax payment abilities through F24 . ☝🏼Good to know: If you, your beneficiary owner, or a team member do not have a fiscal code, please do not hesitate to contact our customer support team. Please be prepared with a proof that you or your team member is not an Italian citizen or resident by sharing an ID card and proof of address | https://help.qonto.com/en/articles/5095946-where-can-i-find-my-or-my-team-member-s-fiscal-code |
Why does Qonto perform a regulatory check? | In compliance with the requirements of the Monetary and Financial code , Qonto needs to collect and review specific information about: The company you are opening a current account for The individuals using your company's Qonto account While we are proceeding with legal verifications, you have access to your Qonto account. However, restrictions apply until your company identity is confirmed: You can create cards but you will only be able to receive or use the cards, see their numbers after the validation of your information. The ordered cards could not be shipped. You can initiate transfers but they won't be completed until we confirm your identity. If you are an Employee on the Business and Enterprise subscription, you won’t be required to confirm your identity and will be able to make transfer request, submit expense report and get an Instant card. We will request a proof of identity only if you need a virtual or physical card. These regulatory checks are aimed at preventing money laundering, terrorism, and fraud in general. They generally take 24 hours, but can last up to 5 business days for very specific cases. We will be able to receive incomes while your account is under verification. You'll receive a confirmation email as soon as verifications regarding your company are finalized and limits of use will be automatically removed. | https://help.qonto.com/en/articles/4359529-why-does-qonto-perform-a-regulatory-check |
What documents do I need to open a Qonto for my association with a territorial branch? | If your association is a territorial branch (local, provincial, regional), you will need to provide us with the following documentation to proceed with your registration for Qonto: Your Association is registered to the Chamber of Commerce: Visura camerale not older than three months. Otherwise: Bylaws of Association of the branch you are registering for, signed and stamped by the Agenzia delle Entrate*; Certificate of allocation of the fiscal code signed and stamped by the Agenzia delle Entrate**. *Alternatively, we can also accept the copy of its electronic receipt. ** We can also accept its electronic copy, containing the Association’s information and the fiscal code/VAT. If your association does not have its own bylaw, but adopts the one of the head office, we will ask you to provide: The statutes of the head office, mentioning that the territorial branch adopts the statutes of the head office. The document needs to be signed and stamped by the Agenzia delle Entrate*. Alternatively: If the general bylaws has no mention of the territorial branch association adopting the bylaws of the head office, you may provide us with the minutes of incorporation of the territorial association, in which your association agrees to adopt the bylaws of the head office. This document also needs to be signed and stamped. For further information, please do not hesitate to contact us at [email protected] | https://help.qonto.com/en/articles/6366845-what-documents-do-i-need-to-open-a-qonto-for-my-association-with-a-territorial-branch |
How do I make a transfer to my Qonto account? | 💡 If you are looking to add money to your account for the first time, you can choose to top it up by using a different bank card of yours or via Google Pay. It's easy and instant, more on it here . You can top-up your Qonto account by wiring money to it through a simple bank transfer, of the amount of your choice. From an account in the SEPA zone In this case, the procedure is standard and quite easy to achieve. In order to transfer money to your account, simply initiate a bank transfer to your Qonto account using its IBAN (International Bank Account Number) and BIC (Bank Identifier Code) numbers. Both numbers are included in the 'Welcome email' you received when opening your Qonto account. However, it is also accessible online . In the Business account section, click on Accounts and See account details . Your account can receive both standard and instant SEPA transfers. From an account outside the SEPA zone From an account outside the Eurozone, it's just as simple. Qonto allows you to receive transfers from most countries in the world, in most currencies, via the SWIFT network (Society for Worldwide Interbank Financial Telecommunication). All you have to do is initiate a bank transfer to your Qonto account using your IBAN and BIC numbers, you will find this information in the same place as for a SEPA transfer. | https://help.qonto.com/en/articles/4359537-how-do-i-make-a-transfer-to-my-qonto-account |
How to follow my account transfer progress? | From the dedicated dashboard, accessible from this link you will be able to: Consult your account information ; Consult the status of your transition; Chat with an advisor. How do I keep track of all my actions? For a complete list of the account transfer actions to be completed, open the Invoices section in the side menu. In the Suppliers invoices section, you will see a list of your outgoing payments. In the Clients invoices section, you will see a list of your incoming payments. When you click to open one of these two sections, you will receive a complete list of actions that have yet to be completed, sorted into categories (direct debit, payments by card, transfers, and more). When you have completed an action, simply check the box on the card to mark it as completed. When you have no more cards remaining in your menus, your transfer is complete! You can then close your transfer by clicking on End the transfer on your interface and then close your previous bank account. | https://help.qonto.com/en/articles/5145573-how-to-follow-my-account-transfer-progress |
How to ensure a successful account transfer | I - How to prepare for your account transfer 1) Make a list of all the changes to be considered First and foremost: Verify which products can be transferred to Qonto: check your savings accounts, investments and ongoing loans. List all the bank services you have currently and that you will need to close with your previous bank. Such as: automatic exports to your accountant; your e-mail and SMS alerts; your digital safe; your loans; your overdrafts. 2) What specific situations might I run into? With your Qonto account, your SME can benefit from our partnership with Zettle . If you receive payments from your clients by automatic direct debit, click here for all the information you need to switch them to your Qonto account. II - What is involved in an account transfer? 💡 Qonto offers you a free support service for your business banking mobility. You will be able to synch any transactions you would like to transfer, and you will receive a customized dashboard with the steps to be completed. A dedicated advisor will be there to guide you every step of the way. You will find more information below. 1) How long does an account transfer take? We kindly ask you to note that switching may take up to 6 months. 2) What steps are involved in an account transfer? Once your Qonto account is open, you can: Add funds to your account; Order virtual or physical cards to initiate your first payments; Open multi-accounts, if you have a Standard or Premium plan; Connect your account to our accounting or management tools via Connect. To take full advantage of Qonto, you will then need to switch all your features over to Qonto. To do so, start by making a list of all the changes to be taken into account. You will then be provided an overview of the steps to be completed: Your recurring transfers . Take note of your transfer recipients and find their information; Your automatic direct debits known as mandates; Any checks issued which have yet to be cashed. Be sure to keep your previous account open and avoid transferring your funds to Qonto until these checks have been cashed; Card payments in progress or yet to be recorded. Similarly, if these payments are deferred, be sure the balance in your previous account is sufficient to cover these payments. Once you have a complete overview of the actions to be completed you are in control! change the following elements to switch to Qonto: Modify your banking information on all your direct debit mandates and direct debits by card. Notify clients who issue payments via transfer of your new IBAN. Avoid issuing new checks or deferred payments with the account you are planning to close, as they may by cashed after the account has been closed. Check that the balance of your new and previous accounts is sufficient to cover all expected payments. This will help you avoid issues with payment defaults. 3) How Qonto offers you support throughout your account transfer process Our account transfer service is designed to help you complete the steps for your account switch easily. At every step Qonto offers you free support to make the transition seamless. In order for us to build an action plan for this transition you will need to connect the account you wish to transfer to our secure aggregator Bridge. Once this will be done a dedicated advisor will analyze all your recurring transactions. You will also have a personalized dashboard that you will be able to use to monitor every step of the account switch. Do you want to learn more about the account transfer service? Have a look at our article on the topic . III - When and how to close your account Once all the actions needed to switch your account have been completed and you have received confirmation that they have been noted by your clients and suppliers, you can begin closing your previous account. Feel free to check out our summary document on the points to be verified, as well as a standard letter to send your bank to request to close your account. These documents are available on your account transfer interface from the main menu. | https://help.qonto.com/en/articles/5120342-how-to-ensure-a-successful-account-transfer |
How does the account transfer service work? | The account transfer service is a service that helps you transfer your professional account from any other bank to Qonto. At the moment, this service is only available in France. With this service, you will: Benefit from a tailored account transfer plan, based on the analysis of your transactions; Follow the progress of your transfer at any time from a customised dashboard; Enjoy a dedicated support by one of our agents. This service can be used for free by all Qonto Owners and Admins, whether they are a new or existing customer. I - How is my account transfer plan created? The account transfer starts with the creation of a custom plan catered to your needs. A dedicated Qonto agent will study your transaction information in order to create a customised action plan. These informations are synced between your former account and Qonto through a secure aggregation tool. 1) How does the bank aggregation process work? In order to get your account transfer plan, you will need to start by syncing your previous account with Qonto through the aggregation tool Bridge by Bankin'. Bridge will scan the complete list of your transactions over the past 12 months to identify all the incoming and outgoing transactions that will require an action on your part: direct debit mandates, transfers and card payments. Once your transactions are scanned, you will get access to the complete list of actions that you'll need to perform, such as making changes to a direct debit mandate, changing your card codes or notifying your customers. ☝️ Good to know: Bridge is a service that allows you to access and retrieve your account information in a totally safe way. You keep control over your data and can ask your dedicated agent to delete them at any time. 2) How do I sync my bank account with Qonto? To benefit from the service, simply visit the account transfer page by clicking on this link . You can also access it through Settings in the bottom left, then click on the Account transfer button. Once you access the service, start filling your bank account details to connect it to Qonto. Do you have several bank accounts in the same bank? You can select which one or which ones you want to switch and sync with Qonto. ✌️ Good to know: If you close the Bridge configuration process before finishing it and then try to reconnect, you are likely to receive an error message telling you an account already exists. In this case, please contact our Customer Support via the dedicated button: one of our agents will help you out. 3) How do I receive my account transfer plan? Once your account is synced, you'll be invited to book a meeting with an agent, who will analyse your needs. Based on this, we'll prepare and send you your account transfer plan. II - How does the account switch work? Once your bank switch plan is ready, you take the lead on your transition. Your dedicated agent will remain available at any time to help you, by email or by chat. Among other things, he can: Guide you during your actions; Confirm an action is complete or not; Tell you about changes on your accounts. Once your bank switch is finalised, you can then close your former bank account and fully enjoy Qonto! | https://help.qonto.com/en/articles/5020434-how-does-the-account-transfer-service-work |
What documents do I need to open a Qonto account for my cooperative based in Italy? | 1 - Personal Identity documents: For Chairman of the Board of Directors and Deputy Chairman of the Board of Directors (if any): One valid identity documents. You can find the complete list of accepted documents here. 2 - Documents related to the company: Visura ordinaria 👉 Only the President or a natural person expressly delegated by him can open a Qonto account in the name of the company (more information here ). 👉 Cooperatives - With reference to the updates on the collegiate administration of cooperatives in the 2018 Budget Law (Law 27 December 2017, no. 205, Article 1 paragraph 936), the presence of at least 3 directors is required. | https://help.qonto.com/en/articles/5814389-what-documents-do-i-need-to-open-a-qonto-account-for-my-cooperative-based-in-italy |
What kind of identity documents are accepted by Qonto? | To comply with the rules imposed by the Code monétaire et financier, we are required to verify the authenticity of the identity documents of all Qonto users, as well as the information they contain. These checks are necessary to prevent fraud, money laundering and terrorism. We accept different types of documents based on country registration: French companies Italian companies Spanish companies German companies | https://help.qonto.com/en/articles/4359525-what-kind-of-identity-documents-are-accepted-by-qonto |
What is considered as a valid proof of address for natural persons? | When you do an account opening at Qonto, you may be asked to provide us with a recent proof of address . Find below the list of documents accepted by our services: An invoice from an internet or telephone provider , issued less than 3 months ago. An invoice from an energy supplier (electricity, water, gas), issued less than 3 months ago. A certificate of contract holder from your energy supplier, generally available on the customer area (provided by EDF for example ), issued less than 3 months ago. A payment schedule from an energy supplier (electricity, water, gas), issued less than 6 months ago. A rent receipt , issued less than 3 months ago . A rental lease , signed less than 3 months ago . An invoice or certificate of home insurance , issued less than 3 months ago. A home insurance contract signed less than a year ago or a due notice dated less than a year ago. An invoice or contract for the collection of garbage , issued less than a year ago. A tax notice or a notice of non-taxation: The last valid income tax notice (less than 1 year old) or the Housing Tax (less than 1 year old) or Property Tax (less than 1 year old). A notarial deed of less than one year . 👆 Good to know: it is necessary that the document you send includes the postal address of your place of consumption. We take into account the place of consumption and not the address of the mailbox. If you do not have a proof of address at your first and last name, you can provide us : A certificate of accommodation dated and signed by the hosting provider. A color copy of your hosting provider's identity document. ( What kind of identity documents are accepted by Qonto? ) A proof of residence on behalf of your hosting provider (see the list of accepted documents above). ⚠️ Important: In order to validate your file quickly, your proof of address must: Be in color Be perfectly readable and crisp (it must not be blurred or stained, no shadow or flash must hinder the document) Be complete (truncated documents will be refused) Indicate a consumption address identical to the one you entered when registering Be part of the list indicated at the beginning of the page Coming from a member country of the European Union or the EFTA area. Be preferably in PDF format (downloaded directly from your customer area) | https://help.qonto.com/en/articles/4359536-what-is-considered-as-a-valid-proof-of-address-for-natural-persons |
Where can I find the information of my Italian company on the ordinary chamber of commerce certificate? | During the registration process, we ask you to have at hand the Registration document of your Company ( Visura Camerale ) in order to be able to provide all the information requested by Qonto. Below you will find a a glossary to understand which information we need and where to find the data that will be requested to complete the registration. Company name ( Ragione Sociale ): The name of the company as per the Commercial Register (e.g., xxx SRL); Legal form: This field specifies the company's legal form ( i.e., Sole proprietorship, SAS, SRL, SRLS, SPA ); Legal registration date ( data d'iscrizione ): The exact date when the company has been registered within the chamber of commerce; Your company's registration number : this is the REA number that can be found right below the PEC address in the Registration document of your company. 👉 If you are a free-lancer, you will need to provide us with your TAX code; EU VAT number ( Partita Iva comunitaria ): The VAT number that allows for intra-community commercial operations with countries belonging to the European Community. | https://help.qonto.com/en/articles/5671352-where-can-i-find-the-information-of-my-italian-company-on-the-ordinary-chamber-of-commerce-certificate |
What is considered as a valid proof of address for companies? | When you make your capital deposit with Qonto, we ask you to justify the address of your company's future headquarters. Find below the list of necessary documents according to your situation! What is your situation? Your company is hosted by one of the associates, we need 👥 : A proof of address in your name or in the name of one of the associates, at the address of the future office. Your company is not hosted by one of the associates, but : By a third-party person 🧍♂️, we need an attestation of domiciliation ( model attached ) signed by and on behalf of your host and a proof of address . By a domiciliation agency, a business incubator, a coworking space, a school or a public institution 🏢 , we need a certificate or domiciliation contract issued and signed by this host organization (or its representative) and less than 3 months old. By a company 🏭, we need an attestation of domiciliation ( model attached ) in the name of the company, plus a proof of address in the name of the host company or a Kbis less than 3 months old for this address. In a Commercial Premises 🏪 , we need a signed commercial lease contract or a property title less than 3 month old or a proof of address . ⚠️ Important: Your documents must be perfectly readable, in PDF, JPEG or PNG format and in color! You can take your proof in photo with your smartphone. Download - Template - Letter of Authority from the Property Owner | https://help.qonto.com/en/articles/4359538-what-is-considered-as-a-valid-proof-of-address-for-companies |
What documents do I need to open a Qonto for my association based in Italy? | How can I open a Qonto for my association based in Italy? If you want to open an account for your association, follow these steps and get the following documentation ready at hand: 1 - Personal Identity Documents How to provide the requested documents? Follow the instructions in this article! For President, Vice-President, Secretary, Treasurer (if any): A valid identity document - you can find the complete list of accepted documents here. 👉 Only the President or a natural person expressly delegated by him can open a Qonto account in the name of the company (otherwise, we invite you to click here to download the general power). 👉 According to our internal policies, Qonto reserves the right to accept an association only when its executive board is expressly made of a minimum of 3 members. Thus, we need to be able to identify the following roles of the executive board in the documents requested for your Association: President; Vice - President; Secretary; Treasurer (if present, it may cover one of the above mentioned roles, as per national directives). 2 - Association’s documents: If your association is registered to the Chamber of Commerce: Visura camerale (Company Registration Certificate) not older than three months. Otherwise, prepare the following documentation: Bylaws of the association, signed and stamped by the Agenzia delle Entrate*; Certificate of incorporation, signed and stamped by the Agenzia delle Entrate*; Certificate of allocation of the fiscal code signed and stamped by the Agenzia delle Entrate**. If the roles of the members of your executive board are not specified inside the above mentioned documents: Updated meeting minutes, dated and signed by the participants at the meeting (or at least President and Secretary) Additionally, if your association is affiliated to one of the national registries: Extract (or receipt) of registration in the category register (national register, regional register, Onlus register, certificate of registration with CONI). *Alternatively, we can also accept the copy of its electronic receipt. ** We can also accept its electronic copy, containing the Association’s information and fiscal code/VAT. 👉 If you are registering the local/provincial/regional seat of an association, remember to send us the bylaw, or minutes of incorporation of your seat and not the ones of the general seat. NB: The associations that can currently open a Qonto account are: Associations of social promotion (APS); Voluntary organizations (ODV); Associations carrying out an activity of general interest under the ETS reform. ⚠️ At the moment, associations between professionals, committees, NGOs (Non-Governmental Organization - In English NGO) and public administrations or with public participation, as well as entities managed, coordinated or controlled by these entities cannot open a Qonto account with us yet. | https://help.qonto.com/en/articles/5775002-what-documents-do-i-need-to-open-a-qonto-for-my-association-based-in-italy |
My company is registered, which documents do I need to open an account? | For regulatory reasons, we need to verify some of your information before validating the opening of your future Qonto account: 1 - Your ID You can take a photo or drop off a copy of one of your valid ID documents (see here ). an identity card (front and back) a European passport (both pages) a French residence permit (front and back) All information must be clearly visible. We advise you to pay attention to the quality of the photo and the copy if you want to validate your account as soon as possible. 2 - And your ultimate beneficiaries' owners (UBO) ones An ultimate beneficiary is a natural person who owns, directly or indirectly, more than 25% of the capital or voting rights of the company. If your company is a SAS ('Société par Actions Simplifiée'), SASU ('Société par Actions Simplifiée Unipersonnelle'), SARL ('Société à Responsabilité Limitée'), EURL ('Entreprise Unipersonnelle à Responsabilité Limitée') or an SCI ('Société Civile Immobilière'), you need to provide a copy of a valid ID for each ultimate beneficiary owner. 3 - Your company's registration documents You can take a photo or submit a copy of one of your registration documents. Kbis dated less than 3 months (for your registered company) INPI's Document de synthèse définitive or INPI's extrait d'immatriculation dated less than 3 months (for your registered company) INSEE's situation notice dated less than 3 months (for your individual company) Your company information must be up-to-date in the legal databases. | https://help.qonto.com/en/articles/4359535-my-company-is-registered-which-documents-do-i-need-to-open-an-account |
How to take a good picture of your identity card / passport / residence permit? | In order for the photo of your identity document to be valid to complete your registration, we invite you to take two photos of your document directly with your smartphone: A photo of the front A photo of the back A photo of both passport pages ❗️We do not accept screenshots Make sure that all the information in your identity document is clearly readable for our agents in charge of verifying your identity. Most photos are not accepted due to poor image quality. If this is the case, you will have to upload your document again, thus extending the processing times for your registration. Find how to take good-quality photos ✅ Make sure that your identity document is not damaged and that all information is readable (if the document is cut, worn, or if parts are damaged) use another document Sit in a bright place and place the document on a table with no other objects around When taking the photo with your smartphone, focus on the entire document as its 4 corners must be visible After taking the two pictures, front and back, check that all the information is easily readable before the upload to avoid repeating this step Here are the common mistakes you should not make ❌ The photo is blurry ❌ The photo is cropped ❌ Light reflections make the information unreadable ❌ The photo is too dark ❌ The ID is crooked ❌ 💡 Additional tips: Clean the lens of your cell phone Hold your phone securely without moving Frame well the 4 corners of the document After taking the photo, make sure the information is legible. If you are not sure about the quality, please take a new one before sending | https://help.qonto.com/en/articles/5756606-how-to-take-a-good-picture-of-your-identity-card-passport-residence-permit |
How does the account opening for a GbR at Qonto work? | Qonto also offers business accounts for the legal form of Gesellschaft bürgerlichen Rechts (GbR) in Germany. General requirements Qonto accepts an account opening only for GbRs in Germany, which are founded for business purposes and whose partners are exclusively natural persons. The GbR must be registered with the Trade Licensing Office and have a tax number. 👆Please note that the account opening procedure differs depending on whether the partners of the GbR have agreed on joint representation or single representation. Opening an account for a GbR with joint management What information & documents are needed? You need the business registration for the company, the company data with tax number and the data of the partners. All partners need a valid proof of identity from an EU country, an EFTA country (Norway, Lichtenstein, Iceland, Switzerland) or a machine-readable valid German residence permit. All partners of the GbR have to legitimize themselves via video identification with IDnow. For more information on the proofs of identity accepted by Qonto, please click here: What kind of identity documents are accepted by Qonto? 👆 Joint representation means that all partners of the GbR can take actions for the company only with joint consent. This is the case if there is either no partnership agreement or joint representation has been agreed in the partnership agreement in the section "Management and representation". How does the account opening work? Click here to start the account opening process for a GbR with Qonto. Enter GbR as the legal form Confirm your e-mail address for registration Enter the details of the company Upload the business registration for the company Select joint representation as the form of representation for the company After successful identification with IDnow, enter details of the partners. Select the price plan and digitally confirm the contract with Qonto (Olinda SAS). After that all partners of the GBR will receive a link to the video identification with IDnow. This is available in English and German. You will now receive your welcome email, you can already log in to your account and communicate your new IBAN to your business partners. Our team will check your data and documents and confirm the final account activation Here you can find the sample of a business registration Done! 🚀 Your account opening is now complete and your Qonto account is fully operational. 👆 As a first step, we recommend that you order Qonto cards and add more users to the account. Account opening for a GbR with single management What information & documents are needed? You need the business registration for the company, the company data with tax number, your partnership agreement (GbR contract) and the data of the partners. The person opening the account as account holder:in needs a valid proof of identity from an EU country, an EFTA country (Norway, Lichtenstein, Iceland, Switzerland) or a machine-readable valid German residence permit. The person opening the account as account holder:in must legitimize himself/herself by video identification with IDnow. For more information on the proofs of identity accepted by Qonto , please click here: What kind of identity documents are accepted by Qonto? 👆 Single representation means that all partners of the GbR can take actions for the company individually without the consent of the other partners. This is the case if individual representation has been agreed in the partnership agreement in the section "Management and representation". How does the account opening work? Click here to start the account opening process for a GbR with Qonto. Enter GbR as the legal form Confirm your e-mail address for registration Enter the details of the company and the partners of the partnership under civil law (GbR) Upload the business registration for the company Select single representation as the form of representation for the company Upload the partnership agreement of the GbR After that, the partner who opens the account will receive a link to the video identification with IDnow. After successful identification with IDnow, select the price plan and digitally confirm the contract with Qonto (Olinda SAS). You will now receive your welcome e-mail, you can already log in to your account and communicate your new IBAN to your business partners. Our team will check your data and documents and confirm the final account activation. Here you can find the sample of a business registration Here you can find the sample of a partnership agreement (GbR contract) Done! 🚀 Your account opening is now complete and your Qonto account is fully operational. 👆 As a first step, we recommend adding the other GbR partners as users to the account and ordering the first Qonto card. ⚠️Important: Please make sure that all documents are uploaded in sufficient quality (resolution, readability, completeness). We recommend that you take photos with a smartphone camera, keeping the following in mind: ✅ DOs ❌ DONTs High quality/resolution Blurry/pixelated Indirect and sufficient room lightingndirekte und ausreichende Zimmerbeleuchtung Light reflections (e.g. from scanner or flash light) All edges and corners visible Missing pages Fully recognizable and readable information Screenshots or photos from secondary screens | https://help.qonto.com/en/articles/6485195-how-does-the-account-opening-for-a-gbr-at-qonto-work |
Can I create multiple accounts for my company / association? | 🇫🇷 This English FAQ is addressed to French companies, if your company is German, Italian or Spanish, change the language of this FAQ to see the correct documentation. One account per organization At Qonto, each company or association can only have one account. We base ourselves on the SIREN number (9 digits), and not on the SIRET number (14 digits). Thus, there cannot be several accounts for the same SIREN number, ie for the same organization. What is the difference between SIREN and SIRET? The SIREN number (Company Directory Identification System) consists of 9 digits and identifies the company as an entity. It is a unique code that will remain the same throughout the life of the company. The SIRET number (System of Identification of the Directory of Establishments) is composed of 14 digits and allows each establishment of the company to be identified. Each SIRET is thus linked to a specific address. Creation of duplicate accounts However, thanks to the multiple accounts feature , you can quite easily have, on the same account, several sub-accounts with dedicated IBANs, as well as account statements and means of payment specific to each of these sub-accounts. | https://help.qonto.com/en/articles/5713597-can-i-create-multiple-accounts-for-my-company-association |
I want to open a Qonto account for my association, how do I do it? | Qonto accept the on-boarding of your association 🙂 Here is the list of accepted associations in detail: ✅ Declared association ✅ Declared association (economic integration companies) ✅ Association declared to be of public utility ✅ Association of lawyers with individual professional responsibility ✅ Intermediary association However, we reject the associations below: ❌ Local law association ❌ Undeclared association ❌ Authorized union association ❌ Free Trade Union Association ⛔️ We do not accept association without SIREN / SIRET number. In order to allow you to open an account as smoothly and quickly as possible, with a minimum of exchanges with the customer service, we invite you to prepare your registration by having in your possession: The status of your association up to date The publication of the creation of the association in the Official Journal The General Assembly report (in case of changes within the association: e.g. change in board members) The identity document of each member of the board of the association ( among the identity documents that we accept ) These documents will be requested by e-mail shortly after your registration and the signature of the contract. The deposit of these documents in the associated form will allow you to open an account as soon as possible 😇 Do you meet all these requirements? Join Qonto for a privileged experience and support, and take advantage of 1 month offered without commitment. | https://help.qonto.com/en/articles/5341439-i-want-to-open-a-qonto-account-for-my-association-how-do-i-do-it |
What documents do I need to open a Qonto account for my Foundation with registered office in Italy? | If you wish to open a Qonto account for your Foundation , you will need to have the following documentation at hand: 1. Identity documents For the Founder and the ultimate beneficial owners, when identified or easily identifiable, we will need: A valid identification document chosen from the list provided here . 💡How to provide a valid digital photo of your ID? Follow the instructions in this article . 👉 Please keep in mind that only the Founder or a person delegated by them can open a Qonto account on behalf of the Foundation (if you need a delegation template, you can download it from here ). 2. Documents regarding the Foundation Regarding the Foundation, you will need to provide us with: The proof of regisreation to the RUNTS ( Registro Unico Nazionale del Terzo Settore); 👉 We inform you that, from a legal stand point it's is essential for a Foundation to be registered in the RUNTS . If your Foundation is not enrolled, we won't be able to move forward with the account opening. Moreover, we will also need the following documents: The deed of corporation ; The statute ; The VAT number and tax code certificate ; The declaration of beneficial owners (you can use the template here ). | https://help.qonto.com/en/articles/6933217-what-documents-do-i-need-to-open-a-qonto-account-for-my-foundation-with-registered-office-in-italy |
My company is not declared as active yet, may I still open a Qonto account? (Infocamere 🇮🇹) | Normally, inactive companies do not have the opportunity to continuously benefit from Qonto's services. For this reason, we have structured a specific procedure to ensure the opening of a business account even for companies in this situation. 😉 To verify if your company is correctly registered as " active ," check the "activity status" on your Visura Camerale . Here's an example of active and inactive companies for comparison: Starting from 04/07/2022, we have implemented the process for inactive companies, and you will have 180 days, instead of 90, to activate your company at the Chamber of Commerce. You will receive an email with all the necessary information to do so correctly. If your Qonto confirmation occurred before 03/07/2022, you will have 90 days to activate your company at the Chamber of Commerce. However, if your Qonto confirmation occurred on or after 04/07/2022, you will have 180 days to activate your company at the Chamber of Commerce. How do I activate my company? Activating your company is very simple, and it is a procedure that you can carry out directly online through the ComUnica service on InfoCamere or Registro Imprese! We recommend, in any case, that you complete the process by consulting your accountant or trusted intermediary to receive specialized support. My company is now active, what is the next step? Once your company is active, we ask you to send us, via email to [email protected] or through chat directly from your Qonto interface, within the limit of 90 days (for registrations before 03/07/2022) or 180 days (for registrations after 04/07/2022) from the opening of your account, one of the following documents: Ordinary Chamber of Commerce extract ( Visura camerale ordinaria) not older than three months, where the business activity status is indicated as active . Receipt of acceptance of the single communication attached to the outcome of the protocol evasion ( Ricevuta di accettazione di comunicazione unica unita all'esito evasione protocollo); Single communication for the establishment of the company ( comunicazione unica per la nascita d'impresa) where in the section regarding the communication's subject, the "Start of activity for a company already registered in the Business Register" must be checked ✅. At the bottom of the page, you can find facsimiles of the aforementioned documents. Note: In the absence of an official document, your account will be automatically closed. One of our agents will contact you to request an alternative IBAN in the name of your company to transfer any funds from the account. Note: You can open your Qonto account only once if your company is inactive. Fac simile of the Receipt of acceptance of the single communication attached to the outcome of the protocol evasione ( Ricevuta di accettazione di comunicazione unica unita all'esito evasione protocollo) Fac simile of the Single communicationm for the establishment of the company ( Facsimile comunicazione unica per la nascita d'impresa) | https://help.qonto.com/en/articles/4947103-my-company-is-not-declared-as-active-yet-may-i-still-open-a-qonto-account-infocamere |
Why do I have to register my company with Orias or Regafi? | As you know, our activity is regulated and subject to compliance with the Monetary and Financial Code, and as a new financial institution we do not yet accept all legal forms or all activities. Qonto checks every activity of companies trying to open an account in accordance with this article . If the activity of your company and / or your APE code are present in the list below, you must register your activity with Orias or Regafi : Insurance (insurance broker, general agent or insurance representative) Loans (Intermediary in Banking Operations and IOBSP Payment Services such as mortgage brokers and brokers in banking operations) Financial investments (wealth management advisor or CIF, crypto-active) Crowdfunding 👉 Indicative list of APE codes: 6419Z; 6430Z; 6491Z; 6492Z; 6499Z; 6511Z; 6512Z; 6520Z; 6530Z; 6611Z; 6612Z; 6619B; 6622Z; 6629Z; 6619B; 6629Z. 💡 You will only be able to use your company's Qonto account within the framework of a corporate activity, for example for the payment of salaries, the payment of invoices, etc. However, you cannot use your Qonto account to collect funds on behalf of third parties, a situation for which Qonto will close your account with 30 days' notice. Why register my company ? Banking and insurance activities may either give rise to an authorization or approval from the ACPR (to appear on the Regafi) or require registration with Orias to obtain their unique Orias number specific to each company. ❗️If we find that a Qonto account is being used for activities that should appear on the ORIAS and / or REGAFI website, we may make the decision to close the account with 30 days notice. What if my APE code is 6630Z? Customers registered under this APE code are management companies. As such, Qonto may open a payment account for your corporate expenses (eg: invoices, salaries, etc.) subject to management company approval from AMF Geco (Autorité des marchés financiers). "The AMF is an independent public authority whose mission is to ensure the protection of savings invested in financial products, investor information and the proper functioning of the markets." Source What is Orias (Organization for the register of insurance intermediaries)? "The Orias is a register of insurance intermediaries, created in France in 2007 to identify general agents, insurance and reinsurance brokers, insurance agents or agents of insurance intermediaries. The register of intermediaries in insurance counts the natural or legal persons authorized to carry out the activity of insurance intermediation in France. ORIAS ensures that all financial intermediaries are registered and meet specific compliance criteria. Registration is mandatory and carefully studied, which helps prevent fraud to policyholders. Once registered via the official website of the organization, the single register can be consulted by all policyholders, borrowers and savers." Source What is the Regafi (Register of financial agents)? " The register of financial agents (Regafi) lists the companies, French or foreign, which have obtained from the Prudential Control and Resolution Authority (ACPR) an authorization to exercise activities in France. It also lists the establishment agents French payment agency, operating both in France and in another State party to the Agreement on the European Economic Area. " Source | https://help.qonto.com/en/articles/5771754-why-do-i-have-to-register-my-company-with-orias-or-regafi |
Sole proprietor (Einzelunternehmer) & Freelancers (Freiberufler) | What documents does Qonto require when registering as a sole trader or freelancer? Qonto offers business accounts for companies registered in the German Commercial Register, as well as for sole traders and freelancers. Sole proprietorships are companies, that are founded by a single person who have registered their activities with the Trade Licence (Gewerbeschein). The sole proprietor owns their business 100% and can make decisions without having to consult a co-owner or a co-managing director beforehand. Freelancers are entrepreneurs with particular professional activities or particular academic backgrounds (e.g. lawyers), who render their services independently and who have declared their activity to the tax office (Finanzamt). 📃 What documents does Qonto ask for? A valid proof of identity The documents accepted as proof of identity can be found under the following link . Legal Documents After registering or re-registering the company, you shall receive a legal document. Find a sample document below: Sole Traders Trade Licence (Gewerbeschein) Trade licence must be signed and stamped (except if it is explicitly mentioned that it’s valid without signature and stamp). Freelancers Tax Letter (Brief vom Finanzamt) The tax letter must explicitly mention your tax number and activity. During the registration process, you’ll need to upload the legal document and the proof of address, if necessary (see step 3). Since this information is legally required, if we don’t receive the document and the tax number , after the 30-day period, your account will be suspended for the 30-day closing period. Note that this closing process takes another 30 days. During this closing period, you won’t be able to take any actions, but you’ll only have the view access. Nonetheless, you will still have the option to upload the missing information. If not, we will unfortunately need to close your account permanently. If you don’t have a trade license (GewA1 or GewA2), contact your local trade office (Gewerbeamt) or tax office for a tax letter (Finanzamt) to request a new copy. An official proof of address (optional) If the address on the legal document is no longer current, upload a current proof of address (no older than three months). That could be an electricity bill or your tax assessment notice. If not available, take another document from an official source that proves your new address. ⚠️ I mportant : Ensure that all documents are uploaded in sufficient quality (resolution, legibility, completeness). We recommend that you take photos with a smartphone camera, bearing the following in mind: ✅ DOs ❌ DONTs High quality/resolution Blurred/pixelated Indirect and sufficient room lighting Light reflections (e.g. from scanner or flash) All edges and corners visible Missing pages Fully visible and legible information Screenshots or photos of secondary screens | https://help.qonto.com/en/articles/6456683-sole-proprietor-einzelunternehmer-freelancers-freiberufler |
What are the eligibility criteria for the loan offers with Iwoca? | For quick and easy financing, you can now get loans with Qonto and Iwoca! To find out more about the offer, please read as well our article on this topic. Do you want to take advantage of the benefits? The first step is to check whether your company and your project meet the eligibility criteria of the partnership. As a rule, Iwoca has the following requirements At least 3 months of operational activity; over €22,000 annual turnover; company registered in Germany. What documents do you need? Depending on the loan amount, Iwoca usually requires the bank statements of the last 90 days in PDF format, the BWA and SuSa of the last two financial years and the current BWA and SuSa. For loans up to €10,000, the bank statements are sufficient. Is Schufa information obtained? Yes, Iwoca usesthis information to speed up their analysis. Your creditworthiness is included in Iwocas credit analysis, but it is only decisive if there are hard negatives. Warning: Do not take any loans that you cannot repay. | https://help.qonto.com/en/articles/5355572-what-are-the-eligibility-criteria-for-the-loan-offers-with-iwoca |
My account is not validated and my access is restricted, what should I do? | 🇫🇷 This English FAQ is addressed to French companies, if your company is German, Italian or Spanish, change the language of this FAQ to see the correct documentation. You have just finalized your registration, you have your IBAN but your account is restricted. Once your registration is finalized, you will automatically receive the IBAN attached to your account, but this does not mean that your account is operational. 💡 Indeed, as long as your account is not activated you will not be able to make outgoing transfers but you will only be able to receive incoming transfers. This is why, you can send the IBAN directly to your customers. Why is my account restricted? If the functionality of your account is restricted, there may be several reasons that will have been communicated to you by email. We therefore invite you, first of all, to check your mailbox. We need a new photo of your ID/ Passport . The photo is of poor quality (pixelated, blurry, truncated document, in black and white). The identity document has expired. We are missing the front or back of your French identity card/residence permit or both pages of your passport. We are missing the identity document of one of the beneficial owners of your company. 💡 How to take a good photo of your French identity card / passport / residence permit? it's here . You must redo the identification video. In order to confirm your identity, an email may be sent to you so that you can redo the identification video made during your registration. It's very simple and it will only take you a few minutes! Just follow the instructions that you will see appear on the screen. It is important to be alone on the video. We need to verify your identity again with a Selfie. We need a final verification of your identity to protect your account from possible identity theft by sending a Selfie . 💡 For your selfie to be admissible, it is very important to follow the instructions given in the email. If all items do not appear in the photo, we will not be able to activate your account and its functionality will remain blocked. Share your geolocation. Don't forget to share your geolocation during registration. We need a delegation of power. You are the account holder but you are not the corporate officer of the company, so you will have to send us a delegation of power from the corporate officer to you as well as his identity document. We need an INSEE situation notice or a KBIS dating from less than 3 months. You are self-employed and your INSEE information is private. For us to be able to verify and validate your company's information, you must send us an INSEE situation notice dated less than 3 months. You are not self-employed and we need to verify information concerning your company, you will have to send us a KBIS or INPI's Document de synthèse définitive or INPI's Extrait d'immatriculation dating from less than 3 months. We need details about your business activity. If the activity of your company corresponds to one of the following APE codes: 6419Z; 6430Z; 6491Z; 6492Z; 6499Z; 6511Z; 6512Z; 6520Z; 6530Z; 6611Z; 6612Z; 6619B; 6622Z; 6629Z; 6619B; 6629Z; 6630Z we will need further details from you. Why do I have to register my company with Orias or Regafi? Once all the documents have been received, we will activate your account as soon as possible and you will be able to take advantage of all its features. 🎉 | https://help.qonto.com/en/articles/5954025-my-account-is-not-validated-and-my-access-is-restricted-what-should-i-do |
Can I open a Qonto account when my main business is in crypto-assets? | If your main activity involves crypto-assets, and in particular if its corporate purpose is: Keeping or accessing crypto-assets; The purchase/sale of crypto-assets for legal tender; The exchange of crypto-assets for other crypto-assets; Operating a crypto-asset trading platform. Then you can open an account with Qonto for your corporate expenses (e.g. salary payments, bill payments, etc.)! ⚠️ On the other hand, you cannot use your Qonto account to collect funds on behalf of third parties for activities related to your clients buying/selling crypto-assets, and/or operating a platform. For the actors concerned, you must be registered or licensed to carry out your activities under local law (e.g. registration of PSAN with the AMF). Finally, two important clarifications: Clients whose main activity is to provide investment advice on crypto-assets or blockchain can also open an account with Qonto provided they are registered with the ORIAS. Not all activities related to digital assets are allowed (mining, NFT, metaverse, blockchain...). Qonto will proceed to a case-by-case analysis. An additional analysis will be conducted by our compliance team, resulting in an extended delay (over 24h) for the processing of these registrations. | https://help.qonto.com/en/articles/6302347-can-i-open-a-qonto-account-when-my-main-business-is-in-crypto-assets |
What activities are prohibited at Qonto? | Companies primarily engaged in the following industries ( not limited ) are not allowed to open a Qonto account: Accessibility diagnosis (Ad'Ap) Activities related to the sale of products based on cannabis or its derivatives (leaves, flowers, resin, CBD, HHC) with a THC content of more than 0.3% for the companies in France and 0.2% for the companies in Germany, Italy and Spain or not indicated. Activities related to the mining industry Activities related to Energy Efficiency Certificates (CEE) or issuing carbon credits Any illegal activity Auction houses, artwork Selling Cartomancy, fortune-telling, clairvoyance, astrology, tarology Casinos and gambling and any participation to online raffle draws Factoring, Debt collection activities Financial/fiscal agent activity if not registered with a regulator Holding a marketplace Hunting, trapping and related service activities Insurance brokerage activity if not registered with an administration Management of funds, portfolio, and collective investments if not registered with a regulatory authority. Military activities, including the sale of weapons, military vehicles, and their copies Mining, staking, creation and/or marketing of NFTs, blockchain development, development of wallets (hot & cold wallets), decentralised exchange, PSAN activity without registration. Money transfer platforms, remittance services, P2P ( "peer-to-peer" or "person-to-person " ) payment services Online and in-store sales of industrial or cosmetic chemicals. Online and in-store sale, import, and export of protein powders and food supplements that don't comply with European regulations and anti-doping recommendations Online and in-store sale of medicines, including their import-export Online file sharing Sale of mobile SIM cards and top-up cards Sex (pornography, sex toys, escorting, prostitution) Sale of goods/services that may harm, or damage the image, honor, or reputation of others Striptease clubs, nightclubs Tobacco or smoking products (e-liquids) Trading/brokerage platform or any activity related to currencies, precious metals, gemstones, other products, securities Unlicensed payment services (crowdfunding, crowdlending, marketplace) 💡 In some cases, additional information may be requested. Our teams will contact you to review your activity. | https://help.qonto.com/en/articles/4929901-what-activities-are-prohibited-at-qonto |
Who can open a Qonto account on behalf of my company? | You can open a Qonto account if: You are the legal representative of the company; You are the chairman of an association or a cooperative; If you have a power of attorney and proof of identity of a legal representative. 👉🏻 A legal representative is an individual or entity that has the authority to act on behalf of the corporation in legal and business matters. In both cases, go to https://welcome.qonto.com/ ! If you are a legal representative, follow the classic account opening process by clicking on one of the names displayed. If you are a legal representative but don’t appear on the list, click on “Fill in your information”. On the other hand, if you’re not a legal representative, you will need a power of attorney and an ID of the legal representative to open an account. Please note that we will ask you this information while opening the account. Below you will find the templates of the Power of attorney to fill: General Power ❗️You will only be able to use your company's Qonto account for corporate activity, for example for the payment of salaries, the payment of invoices, etc. On the other hand, you cannot use your Qonto account to collect funds on behalf of third parties, a situation for which Qonto will close your account with 30 days' notice. | https://help.qonto.com/en/articles/4359530-who-can-open-a-qonto-account-on-behalf-of-my-company |
I have an existing company, what are the steps to follow when registering? | Do you want to create a Qonto account for your already existing business? Here are, in detail, the different steps you will need to perform: In order to save time, you can now prepare the following documents: 📄 The name or SIRET number (for France) / Registration number (for Italy, Germany or Spain) of your company 👥 Your identity document (ID card, passport, residence permit) We recommend that you register using a smartphone or a computer with a camera. 💡 Google Chrome browser is 100% compatible with Qonto Here we go ⬇️ First, go to the Qonto website and click on the button "open an account" at the top right of your screen ❗️You will only be able to use your company's Qonto account for a corporate activity, for example for the payment of salaries, the payment of invoices, etc. On the other hand, you cannot use your Qonto account to collect funds on behalf of third parties, a situation for which Qonto will close your account with 30 days' notice. 1st step: Select the French flag, so that, your file will be handled by the referring team. 💡 If your company is registered in Italy, Spain or Germany select the correct flag. 2nd step: Select the box "You have a company or an association" to continue your registration. If you do not have a company or association but you wish to create one, then select the "You wish to create a company" box. 3rd step: Choose the form of your company "Independent" or " TPE, SME, startup or association" 4 and 5 steps: You have selected "Independent" ✅ or "TPE, SME, startup or association" ✅ Write the email address that you will use as your identifier when you log in to access your Qonto interface. Go to your mailbox to retrieve the confirmation code, then, enter it in the appropriate zone. ❗️The confirmation code is only valid for 30 minutes. Find your company by entering the company name / SIREN / SIRET number or registration number (Italy, Spain or Germany) and click on the "search" button. You will then need to confirm your business information. 💡 If you cannot find your company, you can select the option "You cannot find your company? Add it manually" In this case, you will have to download a Certificate of Company registration dated less than 3 months . Let us know who you are. If you are the company's corporate officer, select your name and confirm your information. ❗️ If you are not the company's corporate officer , it will be necessary to download a delegation of power from the corporate officer to you, by selecting the option: "You are not an executive, but you have a proxy from one of them? Click here " Enter your phone number Tips: for the document to be admissible, we invite you to: Do not use the flash so that there are no light reflections The 4 corners of the document must be clearly visible as well as all the information 💡 You can read this article for more information on how to take a good picture of your ID card Record the identification video. 💡 For this to be admissible, please turn your head by following the indications. It is also important that you are alone in the video. Perform your location check 🇫🇷 For French entities: Perform your qualified electronic signature by reading and accepting the agreements submitted. Enter your personal address Tell us if you are one of the beneficial owners of the company Step 6: Choose the offer that best suits your needs Step 7: Accept the terms and conditions of the contract Step 8: Choose the card that meets your needs and start to use your account! Once you have received your IBAN, you can directly fund your account, with a SEPA Instant or standard transfer , or even by card (on a computer) ! Welcome to Qonto 🎉 | https://help.qonto.com/en/articles/5713925-i-have-an-existing-company-what-are-the-steps-to-follow-when-registering |
I received an email informing me that the use of the Qonto account is subject to particular conditions: what does this mean? | For certain activities, the use of the Qonto account is allowed only if specific conditions are met , such as: Registration with certain professional registers, control registers of various Ministries and the Bank of Italy, obtaining specific licences, and, above all, that the Qonto account is not used to process transactions on behalf of third parties. Businesses that are required to comply with these conditions must include the following activities in their business purpose: Monetary intermediation; Financial services activities (excluding pension funds); Credit activities; Real estate brokerage activities; Foreign exchange brokerage activities; Insurance; Pension funds; Auxiliary activities of financial services (management of financial markets, financial consultancy); Activities of insurance agents and brokers; Fund management activities. If your business includes these activities: You will be able to receive transfers for the work activity you carry out: these funds can be used for normal administrative transactions (e.g., payment of salaries, payment of suppliers, payment of utilities and/or living expenses). However, you will not be able to reinvest these funds on behalf of third parties or use them for all those activities not authorized by our Payment Institution. 💡 For example: if you are a financial consultant, you can invoice for your consultancy services, but you cannot reinvest these funds on behalf of third parties. | https://help.qonto.com/en/articles/6951144-i-received-an-email-informing-me-that-the-use-of-the-qonto-account-is-subject-to-particular-conditions-what-does-this-mean |
Can any organization open a Qonto account? | The Qonto current account is currently available to French , Italian , Spanish and German companies formed with the following legal entities : 🇫🇷 SA ('Société Anonyme') SAS ('Société par Actions Simplifiée') SASU ('Société par Actions Simplifiée Unipersonnelle') SARL ('Société à Responsabilité Limitée') SC & SCI ('Société civile') EURL ('Entreprise Unipersonnelle à Responsabilité Limitée') EIRL (Entreprise Individuelle à Responsabilité Limitée) EI (Entreprise Individuelle) Affaire Personnelle Profession Libérale (Independent occupations) Micro-Entreprise (Sole Traders or Micro-Company) Declared association ('Association Enregistrée') Holding (an organization who owns control of a small group of other companies) - see below 🇮🇹 S.s. (Società Semplice) S.a.s. (Società in Accomandita Semplice) S.n.c. (Società in Nome Collettivo) S.r.l. (Società a responsabilità limitata) S.r.l.s. (Società semplificata a responsabilità limitata) S.p.A. (Società per Azioni) S.a.p.a. (Società in Accomandita per Azioni) Impresa Individuale (a K-bis is needed) Libero Professionista and Lavoratore Autonomo Studio associato e società di professionisti Cooperativa Associazione 🇪🇸 Empresario Individual (Autónomo) / Autónomo Societario Emprendedor de Responsabilidad Limitada Entidades permanentes no residentes en España (NIF W) Sociedad Anónima Sociedad Anónima Laboral Sociedad de Responsabilidad Limitada Sociedad de Responsabilidad Limitada Laboral Sociedad Limitada Nueva Empresa Sociedad Limitada de Formación Sucesiva Sociedad Colectiva Sociedad Comanditaria por Acciones Sociedad Comanditaria Simple Sociedad Profesional 🇩🇪 Sole traders (e.K./e.Kfm/e.Kfr) Freelancers (e)GbR GmbH GmbH i.G . gGmbH gGmbH i.G. UG UG i.G. gUG gUG i.G. AG AG & Co KG GmbH & Co. KG UG & Co. KG oHG GmbH & Co. oHG AG & Co oHG KG KGaA Companies that are not yet registered (available in France and Germany only): If your company is not registered yet, please note that you can open a Qonto account and proceed with your initial capital deposit with us (except for SCI). As a reminder, sole traders, as well as micro-enterprises , are not required to go through a deposit capital process, since these organizations are already registered in their own name. Foreign companies: Foreign companies which are registered in France, Italy, Spain or Germany are allowed to open a Qonto account if the headquarter is based in one of those four countries. Holding companies: Existing French holding companies, both active or passive, are fully allowed to open a Qonto account 100% online, in a few minutes. Prohibited activities on Qonto: Companies primarily engaged in the following industries are not allowed to open a Qonto account : Accessibility diagnosis (Ad'Ap) Activities related to the sale of products based on cannabis or its derivatives (leaves, flowers, resin, CBD, HHC) with a THC content of more than 0.3% for the companies in France and 0.2% for the companies in Germany, Italy and Spain or not indicated. Activities related to the mining industry Activities related to Energy Efficiency Certificates (CEE) Any illegal activity Auction houses, artwork Selling Cartomancy, fortune-telling, clairvoyance, astrology, tarology Casinos and gambling Factoring, Debt collection activities Financial/fiscal agent activity if not registered with a regulator Holding a marketplace Insurance brokerage activity if not registered with an administration Management of funds, portfolio, and collective investments if not registered with a regulatory authority. Military activities, including the sale of weapons, military vehicles, and their copies Mining, staking, creation and/or commercialization of NFTs, blockchain development, development of wallets (hot & cold wallets), decentralized exchange, PSAN activity without registration. Money transfer platform, remittance service, P2P ( "peer-to-peer" payment service) Online and in-store sales of industrial or cosmetic chemicals. Online and in-store sales of protein powders, dietary supplements, and medicines Online file sharing Sale of mobile SIM cards and top-up cards Sex (pornography, sex toys, escorting, prostitution) Sale of goods/services that may harm, or damage the image, honor, or reputation of others Tobacco or smoking products (including THC, CBD, and eCig) Trading/brokerage platform or any activity related to currencies, precious metals, gemstones, other products, securities Unlicensed payment services (crowdfunding, crowdlending, marketplace) | https://help.qonto.com/en/articles/4359533-can-any-organization-open-a-qonto-account |
List of the documents required to open a Qonto account | Below you will find a table summarising the documents required to open an account with us, who are the beneficial owners and who we need to register based on the different legal forms: Legal form: Documents needed: We need the documents of: SRL, SRLS, SPA, SAPA ( corporation = società di capitali ) No company-related documents are required. *️⃣ The legal representative; Who owns more than 25% of the shares; SAS, SS, SNC ( partnership = società di persone ) No company-related documents are required. *️⃣ The legal representative; All the shareholders present in the Visura Camerale (regardless of the % of the share owned); Associations Visura Camerale dated no more than 3 months OR Association's Statute signed and stamped by the Revenue Agency; Constitutional Deed ( Atto Costitutivo) signed and stamped by the Revenue Agency. Certificate of Fiscal code assignment signed and stamp by the Revenye Agency; Minutes ( Verbale ) if the roles aren't specified A minimum of 3 members to be registered: President (usually corresponding to the Legal Representative); Vice President; Secretary . (If present, we should also register in the account the Treasurer) Cooperative Visura Camerale dated no more than 3 months A minimum of 3 members have to be present in the Visura. We need the documents of: President ; Vice President ( only if this role is present in the Visura). Foundations Registration to the RUNTS; The constitutional deed (atto costitutivo) ; The Foundation Bylaw ( statuto ); The Certificate of Fiscal code assignment and Fiscal Code The list of beneficial owners (you can find the form to fill here ). Founders (while still alive); Beneficiaries (when identified or easily identifiable; Individuals who hold managerial and administrative roles. Impresa o imprenditore individuale No company-related documents are required. *️⃣ Owner of the organisation ( Legal Representative) Freelancer and Self-Employed (sole proprietorship) The Certificate of Fiscal code assignment and Fiscal Code signed and stamped or the digital version; alternatively the declaration of commencement of activity, data change or cessation of activity for VAT purposes. Owner of the business. Physical person Visura camerale accompanied by the official certificate of VAT number assignment. Business owner *️⃣ If your business is not listed among the options during registration, we may request the Chamber of Commerce registration document. | https://help.qonto.com/en/articles/7860161-list-of-the-documents-required-to-open-a-qonto-account |
Why does Qonto need to identify the beneficial owners of my Italian company? | Qonto is a payment institution supervised by the Bank of France and operates in Italy through a branch supervised by the Banca d'Italia. In compliance with customer due diligence obligations and the provisions of Italian Legislative Decree No. 90/2017 , Qonto is required to identify the ultimate beneficial owners who directly or indirectly control or own your company. ☝️ If your company is a partnership (Società di persone S.s. - S.a.s. - S.n.c.) The ultimate beneficial owners are all the partners (as owners), regardless of the type of share held (e.g. limited or general partner - socio accomandante o accomandatario) and regardless of the percentage of participation in the capital. The percentage of participation in the capital is in fact only applicable to corporations and not to partnerships company. If your company is a corporation (Società di capitale S.p.a. - S.a.p.a. - S.r.l. - S.r.l.s.) The ultimate beneficial owners are the physical persons who hold more than 25% of the capital of your company. 🔎 If more than 25% of your company's capital is held by a person who is not a physical person, the ultimate beneficial owner will be, going back up the chain of ownership, the physical person or persons who ultimately hold these holdings. In other cases, ultimate beneficial owners are those who exercise control over your company and have a dominant influence, or have powers of administration or management of the company (regardless of the percentage shareholding). In the case that is not possible for us to identify the beneficial owners of your company, unfortunately will not be possible to proceed with the finalization of your registration. In fact, in accordance with anti-money laundering regulations, only after a proper verification of the identity of the beneficial owner will it be possible to proceed with the opening of the account and grant you full access to its functions. 🚀 ⚠️ IT IS IMPERATIVE TO DECLARE A BENEFICIAL OWNER FOR CORPORATIONS. In the event that we could not identify at least one beneficial owner for your company, we will ask you to complete this statement in which you declare the beneficial owner(s) yourself. Declaration of beneficial owners.pdf | https://help.qonto.com/en/articles/5505360-why-does-qonto-need-to-identify-the-beneficial-owners-of-my-italian-company |
I have a legal or data protection query about my old Penta account, whom can I contact? | Questions about data protection at Penta As a former customer of Penta and thus as a data subject from a data protection perspective, you have the opportunity to exercise your rights as a data subject under the General Data Protection Regulation (GDPR). To do so, simply send an informal email to [email protected] with a brief description of your concern or request. Please note that Penta has legally terminated all customer contracts and closed the corresponding accounts. Since Penta no longer maintains any active customer relationships, your personal data - which is not subject to any legal retention obligations - has been deleted. With the exception of data that must be archived, there is no longer any active processing of personal data at Penta. Remaining data is retained unchanged in archives exclusively for storage purposes until its planned deletion. A request for deletion would not lead to any further deletion, as data that can be deleted has already been deleted and remaining data is automatically deleted after the legal deadline has expired. This also applies to your data that falls under the joint area of responsibility with our partner Solaris SE. Legal enquiries to Solaris SE Penta is terminating its partnership with Solaris SE until the end of the year. Therefore, for privacy enquiries, to report fraud, or to file a complaint with Solaris SE, please click here and use Solaris SE's contact options. 👉For more information on data protection and the Solaris SE data protection officer, please click here. | https://help.qonto.com/en/articles/8591974-i-have-a-legal-or-data-protection-query-about-my-old-penta-account-whom-can-i-contact |
I have questions about my Penta invoices, whom can I contact? | All business accounts, provided by Solaris SE, have been duly terminated. The month after the closure of your Penta account, customers received the final invoice via email. If you have specified a billing account in the Penta app, any outstanding amounts will be debited directly from your new account. Outstanding invoices from Penta Please pay outstanding Penta invoices to the following bank details: Recipient: Qonto Services GmbH IBAN: DE92 1001 0123 0215 3334 56 BIC: QNTODEB2XXX Reason for payment: (Please use the invoice number(s) as payment reference). Further questions about Penta invoices For further questions about Penta invoices, please use Penta's contact form and select "Invoices". 👉 Click here to contact Penta. Negative balance and Solaris SE charges If you receive a reminder from Solaris SE or have questions about Solaris SE charges, please contact Solaris Support here . | https://help.qonto.com/en/articles/8591987-i-have-questions-about-my-penta-invoices-whom-can-i-contact |
My old Penta account has been blocked, what can I do? | All Penta business accounts, provided by Solaris SE, have been terminated. After termination, the respective account will be blocked and a login to the Penta app will no longer be possible. Incoming transactions on your Penta account will therefore be rejected after the termination date and returned to the sender. All existing standing orders and scheduled transactions will be cancelled. How can I transfer an existing remaining balance? To withdraw any remaining balance on your former Penta account, please click here and complete the Solaris SE payment form online. Please use the email and telephone number stored in your former Penta account when doing so. I have further questions about payments or seizures If you have any further questions around payments, for example about charge backs, seizures or card payments, or if you have problems with your payment, please use the Solaris SE contact form. 👉Click here to contact the Solaris SE service. | https://help.qonto.com/en/articles/8591981-my-old-penta-account-has-been-blocked-what-can-i-do |
What happens to payments on my old Penta account ? | All Penta business accounts, provided by Solaris SE, have been duly terminated. Incoming transactions on your Penta account will therefore be rejected after the termination date and returned to the sender. All existing standing orders and scheduled transactions have been cancelled. Outgoing payments via the Penta app are also no longer possible. How can I transfer an existing remaining credit balance? To pay out any remaining balance from your closed Penta account, please click here and complete the Solaris SE payment form online. Please use the email and telephone number stored in your former Penta account when doing so. I have further questions about payments or seizures If you have any further questions around payments, for example about charge backs, seizures or card payments, or if you have problems with your payment, please use the Solaris SE contact form. 👉Click here to contact the Solaris SE service. | https://help.qonto.com/en/articles/8591966-what-happens-to-payments-on-my-old-penta-account |
How can I request documents on my old Penta account for my accounting? | Qonto Services GmbH (formerly Penta Fintech GmbH) terminated its cooperation with Solaris SE at the end of last year. Previous statements and documents and other account requests must therefore now be requested directly from Solaris SE. 👉To request further documents, such as account statements, exports of transactions in CSV format, bank confirmations or other bank documents relating to your former Penta account, please click here. | https://help.qonto.com/en/articles/8591939-how-can-i-request-documents-on-my-old-penta-account-for-my-accounting |
My company has a legal entity as a shareholder. Who are the beneficial owners? | It's possible that a legal entity owns shares in your company. This FAQ explains how to identify and declare your beneficial owners when they include one or more legal entities. As a reminder: Who is considered a beneficial owner in a limited company ( società di capitali )? In limited companies ( società di capitali ), the term ‘beneficial owner’ refers to an individual person who owns more than 25% of the capital. Alternatively, it may refer to any individual person who possesses enough votes to influence a shareholder meeting, or who has administrative or management powers. Who is considered a beneficial owner in a partnership ( società di persone )? In partnerships ( società di persone ), the term ‘beneficial owner’ refers to any company shareholder, regardless of their type of shares and their percentage of capital participation. Who is considered a beneficial owner in a co-operative company ( società cooperativa )? In co-operative companies ( società cooperativa ), the term ‘beneficial owners’ refer to its President and Vice President. During the company registration phase, you must declare who the beneficial owners of your company are. There are two types of ownership: Direct ownership We consider beneficial owners with direct ownership to be the internal beneficial owners of the company. Normally, they are shareholders in the company. Indirect ownership We consider beneficial owners with indirect ownership to be those individual persons who are beneficial owners of the company through a legal entity that holds company shares. How to declare my beneficial owners if my company is owned by a legal entity? If your company’s shares are owned by a legal entity (or multiple legal entities), you must declare all the beneficial owners (i.e. the individual persons) of all the legal entity(ies). You must specify that those individuals are beneficial owners of your company with indirect ownership. It could also be the case that there’s another legal entity (or entities) that holds shares in the legal entity that owns shares in your company: in this specific case, you must name all individual persons who serve as beneficial owners of all the entity(ies) in the ownership chain . These individuals will be classified as beneficial owners of your company with indirect ownership . On the other hand, if there are beneficial owners directly within your company, you must declare them as beneficial owners with direct ownership. | https://help.qonto.com/en/articles/8272068-my-company-has-a-legal-entity-as-a-shareholder-who-are-the-beneficial-owners |
Can I still access the Penta app and services as before? | All business accounts at Penta, provided by Solaris SE, have been ordinary terminated. Qonto Services GmbH (formerly Penta Fintech GmbH) terminated the cooperation with Solaris SE by the end of last year. Login and access to the Penta App are therefore no longer possible. If you have questions about your old Penta account, you can find more information and contact options on our help pages. 👉Get more information. | https://help.qonto.com/en/articles/8549301-can-i-still-access-the-penta-app-and-services-as-before |
What is probative value certification? | Starting December 14, 2020, when you submit a receipt in the Business account > History section of your Qonto app, we store it and certify its probative value. You no longer need to gather up and meticulously keep all your receipts in your drawer! Note that this new feature is available for our Smart and Premium plans, as well as for our Essential, Business and Enterprise plans. ☝️ Good to know: Qonto does not have access to your original receipts. You thus undertake to send unmodified documents only (receipts, expense reports and other supporting documents) and to follow our guidelines to avoid any repudiation of their validity by the tax administration. In the event of an audit, Qonto cannot be held liable if the digital version of your receipts does not match the original version. What does it mean exactly? More precisely, it means that your paper and digital receipts have exactly the same legal value. You are thus free to discard your paper receipts while remaining in good standing in the eyes of the law and the relevant authorities. What are the guidelines to follow? To have a receipt certified, you must provide us with a digital true copy of the original. To facilitate this process, ensure the following: The document must be legible, uncompressed and unmodified The colors must be the same as the original The document must not be cut or cropped Make sure also that the following information appears: A description of the item (or service) and its price The VAT rate and amount Information about the vendor: company name, address and VAT number The date and time of the transaction The date and receipt number ✌️ Good to know: If your file is in PNG or JPG format, Qonto will convert it to PDF automatically. You don’t need to do a thing! Please note that this feature does not support screenshots taken with the latest macOS Big Sur 11.4 version. Is it secure enough? Yes, of course! First, Qonto issues the probative value certification of your receipts. How? By creating an electronic signature and digital stamp automatically via a service provider. You will also be provided with the date and time of the certification. Then, Qonto stores your files in accordance with the European eIDAS regulation indefinitely and in a secure way. In the event of an audit, simply export your digital receipts. 💡Please keep in mind that probative value is not retroactive and that i n case of downgrade, certified receipts are still certified. | https://help.qonto.com/en/articles/4704448-what-is-probative-value-certification |
Qonto iOS application | The Qonto app is available on the Apple Store iOS by clicking here . Features available: View your transactions Add the VAT rate to your transactions Add your invoice/receipt to your transactions Issue SEPA and foreign currency transfers Create cards for your team members Manage card limits Block your cards Manage your team members View and download statements Widget Touch ID Face ID Who can register via the application? Account opening via the application is available for the following legal forms: France 🇫🇷 SA (Société Anonyme) SAS (Société par Actions Simplifiées) SASU (Société par Actions Simplifiées Unipersonnelle) SARL (Société à Responsabilité Limitée) SC & SCI (Société civile) EURL (Entreprise Unipersonnelle à Responsabilité Limitée) EIRL (Entreprise Individuelle à Responsabilité Limitée) Société d’Exercice Libérale SEL (SELARL, SELASU, SELAFA, SELCA) Micro-Entreprise (ex Auto-entrepreneur) Société étrangère immatriculée au RCS dont la maison mère est située en Allemagne, Espagne ou Italie Holding (société pilotant un petit groupe de sociétés) Germany 🇩🇪 e.K./e.Kfm e.Kfr. GmbH gGmbh UG AG KGaA oHG GmbH & Co. oHG AG & Co oHG AG & Co KG GmbH & Co. KG Italy 🇮🇹 Not yet available Spain 🇪🇸 Not yet available Other types of organization can register via the Web App ( app.qonto.com ). | https://help.qonto.com/en/articles/4359666-qonto-ios-application |
How can I reimburse a team member for an expense paid with their own money? | The Expense reimbursement feature is available on Business and Enterprise plans . Expense reimbursement allows all team members to submit reimbursements for any company expenses paid by personal funds. Reimbursement requests can be approved by Admins and Managers with the transfer permissions on. How do I get informed an Expense reimbursement request has been submitted? Owners, Admins, and Managers roles with the transfer permissions activated receive an email and mobile notification as soon as a request has been submitted. Learn more about how to customize Qonto’s notifications . How can I approve and decline an Expense reimbursement request? On desktop 💻 Select the Team expenses section on the left Click on Reimbursement On the To approve tab, select an expense Select an account to debit for this reimbursement and Approve the request Or Decline it and write a rejection reason On Mobile📱 Open the Qonto App on your device Go to Menu > Requests , then select the Expense report request Click on Pay by transfer to approve the request or Decline and write a rejection reason Once the Expense reimbursement request has been approved, the requestor will receive an instant reimbursement. As an Owner, Admin, and Manager with the transfer permissions activated, how do I get reimbursed for an expense I paid with my own money? To get reimbursed for a professional expense, Owners, Admins, or Managers with transfer permissions can follow the same procedure as above by approving their own submissions. They will then receive the reimbursement via an instant transfer. To get reimbursed faster, the Owner, Admin, or Manager with the transfer permissions can send an instant transfer by activating on toggle Instant bank transfer . | https://help.qonto.com/en/articles/7151496-how-can-i-reimburse-a-team-member-for-an-expense-paid-with-their-own-money |
How can I get reimbursed for an expense I pay with my own funds? | The Expense reimbursement feature is available on Business and Enterprise plans . Expense reimbursement allows team members to submit reimbursements for any company expenses paid with personal funds. Expense reimbursement requests can be approved by Owners, Admins, and Managers with the transfer permissions activated. What do I need for submitting an Expense reimbursement request? Receipt of the expense 💡 Digital receipts that are uploaded to Qonto have the same legal value as their paper counterpart ( probative value ). This means your organization no longer needs to keep the paper receipt. Expense amount 💡 The amount and VAT should get filled out automatically thanks to our OCR technology (which stands for Optical Character Recognition). You can also manually add or edit the amount. Expense description: give more context to your Admin or Manager on your expense IBAN: to get your reimbursement, you will need to fill out your IBAN of your personal bank account. You can add your IBAN directly when making a request or fill it out in your personal profile. 💡 IBAN is stored in the profile and can be added/updated directly in your profile. How can I submit an Expense reimbursement request? On desktop Select the Reimbursements section on the left Click on Requests a reimbursement Select Expense reimbursement Upload the expense receipt: drag & drop the file or click on the drag & drop zone to select it from the computer. Fill out the expense Amount , add a Description for the expense, and add your IBAN if you haven’t added it to your profile yet. On Mobile Open the Qonto App on your device Go to Menu > Requests , then select Expense reimbursement Upload the expense receipt: Take a photo , Choose from photo library or Choose from files . Fill out the expense Amount , add a Description for the expense, and add your IBAN if you haven’t added it to your profile yet. How can I see the status of my request? You can see the status of your request in the Requests section. When a reimbursement request gets approved, you will receive an instant reimbursement transfer to the selected IBAN. When a request gets declined, you will receive an email and notification with the reason provided by our Admin or our Manager by clicking on the request. | https://help.qonto.com/en/articles/6768689-how-can-i-get-reimbursed-for-an-expense-i-pay-with-my-own-funds |
How to create a self-billed invoice? | 🇮🇹 This article is for Italian Qonto account holders. What is a self-billed invoice? A self-billed invoice verifies the sale of a product or a service and is issued by the customer on behalf of the supplier. The customer assumes both roles of issuer and recipient of invoice, and tehir details correspond to the invoice details of a customer who made the purchase. Self-billed invoices are an exception to standard invoicing rules, which typically require the party receiving payment to issue the document and apply VAT to it. The purchase of goods within or outside of the European Union (EU) needs to be reported to the Italian Revenue Agency (ADE) using electronic invoicing rules. In cases where passive invoices in analog format (such as paper or PDF invoices) are received from foreign suppliers, the resident entity (customer/buyer) is responsible for generating an electronic document (XML self-billed invoice) to be transmitted to the Sistema di Interscambio (SDI) for VAT integration. How do I create a self-billed invoice? In order to issue a self-billed invoice, you should always make sure that you uploaded/received a foreign supplier invoice to your inbox first. Read more about how can you get your foreign supplier invoices to Qonto inbox in: How to automate the processing of my receipts with Qonto? Access your Qonto account from your computer and click on “ Purchases” → Supplier invoices in the left-hand navigation menu. Select the supplier invoice that has not arrived from SDI and belongs to a foreign supplier (invoices that arrive from SDI have an “ E-invoice” label displayed next to the invoice number). Open the invoice and click on the + button near the Self-billed invoices section on the right side of the screen. You will see the self-billed invoice creation page with the preview of the supplier invoice on the right side. From there, you can copy and paste all the necessary data and pre-fill it on the left side. To visualize the self-billed invoice that you are creating, click on the toggle above the supplier invoice preview. Insert the following data: The details of the foreign supplier. Note: The tax regime of the foreign supplier is automatically set as “ RF18 - Altro” since foreign suppliers do not belong to the Italian Fiscal Regime system. Self-billed invoice details. Self-billed invoice numbering: It is automatically preset with the ad-hoc prefix "AF," which is unique for self-billed invoices. Document type: The specific type of document to be issued to the Sistema di Interscambio will depend on the situation: TD17 - Integration/self-billing for the purchase of goods from abroad TD18 - Integration/self-billing for the purchase of services from abroad TD19 - Integration/self-billing for the purchase of goods from Italy, according to Article 17, paragraph 2, of the Decree of the President of the Republic (DPR) 633/72 Issue date: It should correspond to the date of receipt (or alternatively, a date within the month of receipt) of the invoice issued by the foreign supplier. Original supplier invoice data: The details of the foreign supplier invoice. Products and services: for VAT integration purposes, the self-billed invoice should include in its line items the VAT amount due for each transaction of the foreign supplier invoice, applying the current applicable tax rate in Italy for that specific type of good or service (4%, 10%, 22%, or even VAT exemption). Check that all the data is correct and then click on Create self-billed invoice . Once you have created your self-billed invoice, Qonto will automatically transfer it to the SDI for approval. 🕐 The approval of your self-billed invoice may take from a few minutes to a few days, depending on the processing time of the SDI. You can check the status of the self-billed invoice by clicking on the created "Self-billed invoice" in the Related documents section inside the foreign supplier invoice, and checking the SDI Status section. If the self-billed invoice is declined or not submitted to the SDI , Qonto will also send you an automatic email notification explaining what to do in each of these cases. Where can I find the issued self-billed invoices? Once self-billed invoice is created, you can see an attachment icon near the foreign supplier invoice on the supplier invoices list page. That means that this foreign supplier invoice has an attached self-billed invoice inside. Open the foreign supplier invoice and then click on " Self-billed invoice" in the Related documents section. 💡Please note that self-billed invoices are only available from a computer. How to cancel a self-billed invoice? 🚨 Once created, you can only cancel your self-billed invoice with the help of our Customer Support (CS) team. Learn how to reach out to them via this article: If i need help can i talk to someone . Good to know: 💡 Self-billed invoices have to be issued within the 15th day of the following month after the receipt of the foreign supplier invoice. 💡 Available for customers with Smart , Premium , Essential , Business , and Enterprise plans (if you wish to change your plan, click here ). For users with Owner , Admin , and Accountant roles. | https://help.qonto.com/en/articles/8218030-how-to-create-a-self-billed-invoice |
How to manage my team members’ Expense reimbursements on Qonto? | The Expense reimbursements feature is available on Business and Enterprise plans . Expense reimbursements allow all team members to submit reimbursements for any company expenses paid by personal funds. Who can submit an expense reimbursements request? Owners, Admins, Managers, and Employees can submit an Expense reimbursements request on Qonto. To submit an Expense reimbursement , go to the Reimbursements section , click on Request a reimbursement, then submit your request. The requestor will need the receipt of the expense. He will also need to fill out the expense amount, a description and enter his personal IBAN. Learn more about all the steps to submit a reimbursement request. Who can approve and decline an expense reimbursement request? Owners, Admins, and Managers with the transfer permission activated can approve and decline an Expense reimbursement request on Qonto. To approve or decline an Expense reimbursement request, go to the section Team expenses , click on Reimbursements, then approve or decline each request submitted. Learn more about all the steps to approve and decline an Expense reimbursement request. 💡To get reimbursed for a business mileage expense, Owners, Admins, or Managers with transfer permissions can follow the same procedure as above by approving their own submissions. ❌ Accountant role can’t submit, approve or decline an Expense reimbursement request. How am I informed when an Expense reimbursement request is submitted? Owners, Admins, and Managers with the transfer permission activated receive an email and a mobile notification as soon as a request is submitted. Learn more about how to customize Qonto’s notifications . For now, with the Expense reimbursement request, it is not possible to: ❌ Create a approval workflow ❌ Submit reimbursement requests in bulk ❌ Calculate mileage in Italy, Germany or Spain 💡Need support to activate your employees? Copy/paste this paragraph and share it with your team member. Accelerate your expense reimbursements. If you can’t use your Qonto card, so you use your own money to make a professional expense. To get reimbursed, submit a reimbursement request and track its status in real-time from anywhere using the Qonto app. How to use it? 👇 read this FAQ article to learn how to submit an Expense reimbursement read this FAQ article to learn how to submit a Mileage reimbursement in France | https://help.qonto.com/en/articles/7151330-how-to-manage-my-team-members-expense-reimbursements-on-qonto |
How to track e-invoices? | 🇮🇹 This article is for Italian Qonto account holders. From your Qonto web app, you can easily keep track of the status of e-invoices that you’ve issued. There are two types of status that you can monitor: approval status of your e-invoice on the Sistema di Interscambio (SdI) and payment status. 👆 Good to know: some users can also view e-invoices and their status from the App. 📱 Tracking approval status From the Invoicing section, click on any e-invoice. On the side panel, you’ll be able to see what is its status with regard to the SdI: Processing: Qonto is processing your e-invoice and will transmit it to the SdI shortly (you can check on its status later from the E-invoicing section later. Submitted: Your e-invoice was correctly transmitted to the SdI and is awaiting approval. Not submitted: Your e-invoice failed to be submitted to the SdI. If this happens, it’ll automatically appear as Cancelled and you will be able to issue it again. Approved: Your e-invoice was approved by the SdI and the SdI has delivered it to your client. Not delivered: Your e-invoice was approved by the SdI*,* but delivery to your end client failed; this can happen if, for example, you entered your client’s Codice Destinatario erroneously. In this case, you can resend a copy to your client by email or link. Just click on Send invoice at the bottom of the screen (click here for more information on how to send invoices) - your client can also retrieve it directly from the Agenzia delle Entrate . Declined: This means that your e-invoice was rejected by the SdI. If this happens, it’ll automatically be marked as Cancelled and you’ll be able to issue it again. While this could be due to a variety of reasons, we recommend that you verify that all fields, including your client’s fiscal code and VAT number, are correct. 💡If your e-invoice is Not submitted , Not delivered , or Declined , we’ll notify you by in-app message and/or email. Tracking payment status You can track the status of your invoices manually or automatically: Manual tracking: You can manually mark e-invoices as Paid by clicking on it and then, on the button Mark as paid at the bottom of the side panel. Automatic tracking: Qonto can detect when an e-invoice has been paid when your client’s incoming bank transfer is identified with the e-invoice’s reference number. The reference number can easily be found on the invoice itself - just share it with your client by email or link (click here to learn how) once it’s been approved by the SdI. | https://help.qonto.com/en/articles/6340753-how-to-track-e-invoices |
How to create an e-invoice if your company is registered in Italy? | 👉 Important: This article only concerns only companies registered in Italy. 🇮🇹 With Qonto, you can create and send your electronic invoices in a few clicks from your computer. Access to this functionality is available for: Customers with Smart , Premium , Essential , Business and Enterprise plans (if you wish to change your plan, click here ). Users with Owner and Admin roles. To generate an invoice with Qonto, connect to your interface from your computer and click on Invoicing from the side menu section. 1. Set up automatic invoice numbering With Qonto you can easily set the number of your next invoice: check the suggested number, and if necessary, enter a new one. Once confirmed, we will automatically generate all next invoice numbers, which will be unique and sequential . 👉If you wish to activate the manual numbering of the invoices, click here and scroll down to " Manual invoice numbering". 2. Enter customer information Entering your customer information is very simple: just create a new customer or add an existing one. a. Add a new customer If you are creating an invoice for the first time, click on the ' + ' button to add the details of a new customer. Next, indicate whether your customer is a company, a professional or an individual and fill in the information required by the form. 💡 After selecting the correct country, make sure that the VAT number of your foreign customer has a country code other than IT, before the VAT digits (e.g. GB0000000 for the UK, DE0000000 for Germany and FR0000000 for France). In case your customer does not speak the language of the country where your company is registered, you have the possibility to set the language in which the invoice will be issued. You can choose between English, French, Spanish, Italian and German. You can select a different currency to issue the customer’s quote and invoices, if not in Euro Check that the information is correct and click on Confirm . Your customer information will be saved and you will not have to enter it again for future invoices! b. Select an existing customer Open the drop-down menu and select the customer to whom you wish to send your invoice. 3. Create an invoice It is now time to create your invoice. Fill in the required information as indicated on the screen: Issue date and due date ; Order number (optional); Objects : You can add one or more objects to your invoice based on the services or products you are charging the customer for. Each object must contain a title, description (optional), quantity, unit price and VAT rate; 💡If the item in question is exempt from VAT, you can set a rate of 0% and select the reason for the exemption from the drop-down menu at the bottom. Tax details (INPS pension/contributions, withholding tax and revenue stamp are optional - to be added according to your specific situation). ☝️Good to know: The cost of a stamp on an invoice is not counted in the final settlement, which only includes Total (excluding VAT) and Total VAT amount. To pay the stamp duty on your invoices, log in to your tax drawer. If you need more precise information on how to pay stamp duty, you can consult the official website of the Internal Revenue Service (Agenzia delle Entrate). Choose Payment Method , Payment Conditions and Account to credit . Finally, add further information under Terms, conditions and legal notes : Your VAT number, tax identification number or tax identification certificate are mandatory pieces of information to be added manually in this section. If you wish, you can also add optional ones. ☝️ Important! In case of multiple accounts : For the payment to be associated with the corresponding invoice, your customer must make the transfer directly to the IBAN indicated on the invoice. 4. Checking Additional Information In general, the mandatory additional information is: Your VAT number; Your tax identification number or tax identification certificate. 🚦In order for your VAT number to appear on the invoice, you will have to add it manually under Terms, conditions and legal notes . This information will appear with the rest of the footnotes on the invoice. ⚙️ We are working to automate the inclusion of the VAT number on Qonto invoices, and to improve its visibility. 5. Personalise your invoice (optional) 💡 If you wish to personalise your PDF invoice with your company logo (if you have one), and the email address of the issuer by clicking on Settings at the top of the screen. From here you can add your logo in JPEG or PNG format (file size must not exceed 5 MB) and the e-mail address you wish to display on the invoice. Please note that these changes will only be entered for future invoices, and can be changed again at any time. A member of your team can also customise logo and/or email, and even then the changes will be applied to all future invoices only. Instead, previously issued invoices will not be updated with the new logo and email address. It's almost done! Take a final look at the information you have entered and click Create Invoice when you are ready, or Save Draft if you prefer to finalise it later. You can share the draft with your client by clicking on " Share with your client " or, if you are not sure about the accuracy of the information and need help filling in the tax data, you can share it with your accountant by clicking on " To your accountan t" section. For more information, please consult this dedicated article: How to create and share draft electronic invoices? Once the invoice is confirmed, it will be automatically transferred to the Interchange System (Sistema di Interscambio) for approval. You can stay updated on the status of your invoice from the Invoicing section ( click here for more information on how to monitor the status of your invoices). 6. Share your invoice As soon as your invoice is approved by the Interchange System (Sistema di Interscambio), you can choose to share your invoice with your customer in two ways: a. By email From the Invoicing section, click on the invoice in question and then on Send Invoice at the bottom right of the screen. Enter the recipient's email (you can also enter more than one, separating the addresses with a comma) and customise the subject and message of your email. To facilitate the tracking of the email, you can tick the box Insert me in cc at the bottom of the page. When you have finished, click on Send . b. Via link If you prefer to send the invoice from your personal email address or via another channel (e.g. WhatsApp), go to Invoicing, click on the Share via link section and copy the URL link to share with your customers. 7. Download your invoice You can select and download individual invoices, or a set of multiple invoices, in one compressed (zip) file, which will be automatically sent to your email address. This file contains all the selected invoices in PDF format, and can be forwarded to your accountant or any other person of your choice. For more information on how to download your invoices in PDF format, you can refer to this article: Where can I find my Qonto invoices? ☝️ Please note that it is not yet possible to generate self-invoices on Qonto. Instead, with Qonto you have a package of 400 accounting elements (including active invoices, passive invoices and credit notes). For example, you can create 200 active invoices with 50 credit notes, and receive 150 passive invoices from your suppliers. It does not matter how many items you create (or receive), as long as you stay within the 400 accounting items limit. After 365 days from the time you create your first accounting item, the count returns to 400 again. Have you reached the limit? Contact our team! 8. Cancelling your invoice You made a mistake and want to cancel your invoice? You can refer to this article . | https://help.qonto.com/en/articles/6340727-how-to-create-an-e-invoice-if-your-company-is-registered-in-italy |
How to retrieve supplier invoices from the Sistema di Interscambio “SDI” on Qonto? | ☝️Please note that this feature is only for our Italian customers. To centralize and pay your supplier invoices directly in Qonto, you can automatically import the invoices issued by your suppliers from the Sistema di Interscambio (SDI). Full access of this feature is available for: Smart, Premium, Essential, Business, and Enterprise plans (to find out how to change your current plan, click here ) Users with Owner or Admin roles How to connect Qonto with the SDI? To issue or receive e-invoices on Qonto, e-invoicing must have been activated on your account (if you haven’t activated it yet, click here to learn how). The setup process can be completed in less than one minute, only needs to be done once per organization, and will allow you to manage all your e-invoicing directly on Qonto. You can then login with your credentials on the Agenzia delle Entrate website and enter Qonto’s Codice Destinatario (9SUB64Q) on the section labeled Fatture e Corrispettivi . You can also share Qonto’s Codice Destinatario directly with your suppliers. Where can I manage the supplier invoices imported from the SDI? Log into your Qonto account from a desktop device and click on Purchases in the navigation menu; then, click on Supplier invoices from the dropdown menu. You can then access, pay and manage all your invoices - directly from this section. ( Learn more ) | https://help.qonto.com/en/articles/6340779-how-to-retrieve-supplier-invoices-from-the-sistema-di-interscambio-sdi-on-qonto |
How to create and share draft invoice? | 👉 Good to know: This article only concerns companies registered in Italy . 🇮🇹 When creating an invoice on Qonto, you can easily save it as a draft for later. Drafts can also be shared with clients as a proforma invoice so that they have all the details on hand before the final version is issued (only on computer). Remember, full access to invoicing is available for: Smart, Premium, Essential, Business, and Enterprise plans (learn how to easily upgrade your plan here ) * Owner and Admin roles To get started: 💻 If you have a computer, log into your Qonto account from a desktop device and click on Invoicing on the navigation menu. 📱 If you are on your Qonto app on mobile, log into your Qonto account and click on the Menu section, and click on Client invoices on the navigation menu. Saving a draft From the Invoicing section, click on Create an invoice at the top of your screen. From there, start filling out the fields as indicated on the screen. To save a draft, you must at least: Select an existing client or add a new one Enter an invoice number Enter an issue and due date Add information about the products or services that you’re billing for (item name, quantity, unit price, and VAT rate) Select which account you’d like to get paid in (if you have multiple accounts on Qonto) When you’re ready, click on Save as draft at the bottom of the screen. Easily find all your saved drafts on the Drafts tab in the Invoicing section. To continue working on a draft, click on it and then, on Edit draft . To delete it permanently, click on Delete draft . When you’re ready, you can easily convert your draft into an invoice. Make sure that all required fields are correctly filled in, click on Create invoice at the bottom of the screen, and confirm that your invoice is ready to be issued. You’ll then be able to send it to your client by email or link. Sharing a draft You can also send an invoice draft to your client. This provisional version, also known as a proforma invoice , can be useful if you want to share a proposal or confirm any details before issuing the final invoice. Sending a draft before issuing an invoice isn’t mandatory, doesn’t require any action from your client, and has no accounting effect. To share a draft, click on Share draft at the bottom of the screen. From there, enter your client’s email address, customize your message, and click on Send email . If you prefer to share it via another channel, click on the button Copy document link and copy the link to your clipboard. 💡 Remember, a draft does not substitute a final invoice. When you’re ready to issue the final version, you can directly convert it into an invoice by clicking on Create invoice at the bottom of the screen. 💡 Basic plan subscribers can create up to two invoices for free before upgrading for full access to the invoicing tool. | https://help.qonto.com/en/articles/6533909-how-to-create-and-share-draft-invoice |
How to activate e-invoicing on Qonto? | 🇮🇹 This article only concerns companies registered in Italy. Before starting to use e-invoicing on Qonto, you’ll need to do a quick one-time setup that will connect your Qonto account to the Sistema di Interscambio , as required by Italian regulation. This setup process can be completed in less than one minute, only needs be done once per organization, and will allow you to manage all your e-invoicing directly on Qonto. From the navigation menu, click on Invoicing. Because you haven’t created any e-invoices yet, this section will appear empty. Click on the black Get started button on the center of the screen, which will take you to the activation screen. On the activation screen, please fill in the following details: VAT number Codice fiscale (if you provided it to us when you first opened your Qonto account, we’ll pre-fill it for you) Tax regime Province Finally, please tick the checkbox at the bottom to confirm that you agree with e-invoicing terms and conditions and click on Continue . ➡️ You can also receive supplier invoices on Qonto! To do so, add Qonto’s Codice Destinatario (9SUB64Q) to your account on the Agenzia delle Entrate’s website, or share it with your supplier. Supplier invoices that you receive will then appear on the section Bookkeeping > Supplier invoices from the navigation menu (for more information, read our dedicated article ). That’s it – you’re all set! 🎉 You’ll be automatically redirected to the e-invoice creation screen, where you’ll be able to issue your first e-invoice in just a few clicks. | https://help.qonto.com/en/articles/6340699-how-to-activate-e-invoicing-on-qonto |
How to use Qonto’s Pay later feature? | This feature is only available for activities registered in France, Spain and Italy. Qonto’s Pay later feature, or purchase financing, is built into your app. It offers credit for short-term supplier invoices, repayable in three installments. If you’re eligible, you can access your available credit in the app to finance purchases: upload invoices or quotes, and we'll credit your account for immediate supplier payments. How can I activate the Pay later feature? To activate it, you need to match our eligibility criteria and sign a contract. Checking your eligibility is just one click. ☝️ Good to know: activating Pay later is free. How can I check my eligibility? Only Qonto account Admins and Owners who are Corporate Officer can use the Pay later feature, subject to eligibility. Log in to your Qonto account from a computer or mobile phone. Click on Financing → Pay later , and then Discover available credit . If you are eligible, you’ll see how much you can use to finance your purchases within seconds. Click Continue and activate to learn more about the feature. Click Open and sign contract , then Sign at the bottom of the page to activate the option to pay later on your account. You will receive an email confirmation with the contract PDF. ☝️ Good to know: Qonto’s Pay later contract is non-binding , meaning that you will not be charged if you decide not to use it after activation. If you're not eligible, you can check other financing options under the Financing > All partners section in your account. And keep in mind, as your business progresses, you may become eligible for Qonto's Pay later feature in the future. What is my available credit, and how is it calculated? Your credit is the total amount you’re eligible to use. Your available credit is the actual amount you can use at any time to finance your purchases. Each time you use purchase financing, your available credit decreases. 👉 For example: If your credit is €10,000, and you used €2,000 for a purchase with the Pay later feature, your available credit will be €8,000 until you start to make repayments. Your available credit is replenished as you make your repayments, giving you greater financial flexibility. Your credit is calculated according to a set of criteria, including your company's history and activity with Qonto. Several factors are taken into account to ensure that this amount aligns with your needs. While the maximum limit is €10,000, the amount you qualify for may vary depending on our assessment. This personalized approach ensures you access to funds adapted to your situation. ☝️ Good to know: This amount is adjusted monthly, according to your company's activity. It can be increased or decreased. So you’ll always benefit from a credit limit adapted to your situation, for greater flexibility and control. How do I finance a purchase with the Pay later feature? How does it work? Once you have checked your eligibility and signed your contract, you’ll be able to access the option to pay later by initiating a transfer (either a standard or instant transfer) via these steps: Log in to your Qonto account from a computer or mobile phone. Click on Financing > Pay later (from the mobile app: select Plus > Pay later ), and then Finance a purchase. Alternatively, click on Transfers and then Make a transfer (by invoice upload). Upload an invoice. Please note that the option to pay later will only be available if you link an invoice or quote to your transfer. Check that the transfer details are correct, then click Continue . Enable Pay later . When you’ve ensured you’re happy with the payment schedule and total to be repaid, click Confirm . And you’re done! By following these steps, you’ve successfully financed a purchase using Qonto’s option to pay later. ✅ ☝️ Good to know: You can find all of your supplier purchases financed with the Pay later feature in the Transactions section of your account, simply by applying the Credit transfer filter on the Method dropdown menu. To monitor your available credit and repayment progress, go to Financing > Pay later from your web app, or Plus > Pay later from your mobile app. Is there a minimum or maximum invoice amount for the Pay later feature? Yes, your invoice must be at least €150 . As for the maximum amount, it depends on your available and tailored credit limit, to a maximum of €10,000 . What information must appear on my invoice or quote? To benefit from the Pay later feature, you must provide a valid invoice or quote. It must contain the following information: Mandatory information Optional information Invoice issue date Supplier IBAN Supplier's name and address VAT number Supplier’s registration number Description of product or service Goods or services to be paid for Payment method (card, bank transfer, etc.) Total amount payable Payment due date (30, 60 days, etc.) ⚠️ Important : please ensure that this information is clearly visible on your invoice or quote, otherwise it may not be possible to use the Pay later feature. What kind of invoices can be financed? You can finance supplier invoices for goods and services within the scope of your core business requirements. ⚠️ You can’t use the Pay later feature in these situations: for transfers to your personal account , for transfers to another company belonging to you , for transfers to another company belonging to the same owner as your company, for transfers to close relative and member to your family , for the payment of salaries to your employees, or any other form of internal compensation ; for your tax payments (DGFIP, URSSAF, etc.) or fines of any kind (lump-sum, criminal, court decisions, etc.), to finance goods or services that do not correspond directly to your business or are not related to the needs of your company , for repayment of other financing services (loans, credits, monthly repayments, etc.), for sending a transfer based on an obsolete invoice , old invoice , or already paid invoice. How to monitor my Pay later financing and repayments? You can find information about your available credit directly from your Qonto app at any time. 🖥️ From your web app: go to Financing > Pay later . 📲 From your mobile app: go to Plus > Pay later . In this section, you will access a dedicated cockpit where you can monitor your remaining available credit and view your installments (” To pay within 30 days ” and “ Total left to pay ”). You will be able to easily track how much credit you've used and how much remains (” Available credit ”). ⚠️ Important: If an installment can’t be debited from your account on the due date, you won’t be able to make any transfer from your Qonto account. If you find yourself in this situation, please ensure to top up your main account with the necessary funds and contact our client support. You will find more details in this article . | https://help.qonto.com/en/articles/8981507-how-to-use-qonto-s-pay-later-feature |
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