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How to invite and manage team members within my Qonto account?

Once your Qonto account is up and running, you can invite additional team members on Qonto and give them specific rights and permissions corresponding to their roles in the company and assign them to a team. How to invite a new member to my Qonto account? You can invite a new team member by following the few steps below. From your web app: at the bottom left, click on User management > User access > Invite a team member. From your mobile app: go to Menu > settings symbol “⚙️” > User management , and click on the "plus" symbol at the top right of the screen. Define a role for this member . To learn the details about each role, refer to What are the different roles available? ​ Assign your new member to a team . If you have an Essential, Business or Enterprise plan, you can rename these teams, and create up to 100 teams attached to your company ( more information ). ​ ​ Finally, review and confirm the information . Once you have confirmed, an invitation email to join the account will be sent immediately to the email address you provided for your new member. 💡 When you invite a new team member with an Admin or a Manager role, he will be requested to register his personal information (birthdate, identity document, live identification through a selfie or video, and address). This set of security measures is required by law before a user can receive a payment card and manage his/her expenses. 💡 You can invite a user to Qonto again if he missed your first invitation email. To do so, you will find a " Re-send invitation " button on his user profile in your " Team " section. How to disable or reactivate a member's access? You might want to disable a member's access to your Qonto account when this person leaves your company, for example. From your web app, go to User management > User / Accountant access. From your mobile app, go to More at the bottom right > Team Members. ​ Select the user's profile and use the Disable access button. 💡 If the disabled access was an additional member charged 5€ VAT excluded/month, you will be refunded automatically, prorated for the current month. To reactivate the access , go back to the User / Accountant access section and select the user profile: you will be able to select the Enable access again button. How to invite my Accountant to Qonto? To invite your accountant, go to the Accountant access section. By giving your accounting department access to Qonto, you make it easier for your accountant to complete value-added tasks for your business: Check on the balance and export transactions with unlimited history Collect and request all the spending receipts Verify, comment, and sort out the transactions with labels, VAT rates, etc. Request a transfer ( for Business and Enterprise plan ) Since accountants have read-only access and cannot use payment cards, they are not required to complete the identity check. However, the procedure to invite them remains the same as any other role. 💡 Accountant access is available with every plan except Solo - Basic . How to invite my Employee to Qonto? Employee roles are not required to complete the identity checks by providing their identity document, they will still be able to make transfer and card requests. However, they will be requested to register an identity document only when requesting a virtual card or getting a physical card. They can submit their document, at any time, through the app via their personal profile. 💡 If they are invited to change their role to Admin or Manager, they will need to verify their identity too.

https://help.qonto.com/en/articles/4359656-how-to-invite-and-manage-team-members-within-my-qonto-account

How can I sign in with Google / Apple?

Why should I sign in with Google/ Apple? "Signing in with Google/Apple" makes it easy to access your Qonto account without the need to remember passwords. It's also safer than using a password. Click to learn more about the security standards provided by Google and Apple . What are the Sign in options available? You can log in to your Qonto account via the following methods: Email and password Sign in with Google Sign in with Apple We highly recommend using " Sign in with Google " or " Sign in with Apple " while opening an account or accessing an existing one. " Sign in with Google" is available on all device, and " Sign in with Apple " is available from iOS 13. If you used Apple's "Hide My Email" feature when you opened your Qonto account, you must continue to use it when signing in. Just use the same forwarded email address provided by Apple. 💡 In the future, if you want to revoke Qonto's access to your Apple email, remember to first change the email address associated with your Qonto account. Where can I sign in with Google or/and Apple? This feature is available both for: Account opening: 2. Qonto app login: If you opened your account before the Google /Apple sign-In options were available and now want to use them: You can log in using any authentication method, as long as you use the same email address associated with your Qonto account. For example: if you used [email protected] to sign up and set a password, you can still log in via Google using the same address. If you initially set up your account by signing in with Google/Apple and now want to create a password: You can set up a password by clicking on Forgot Password on the login page. You will receive an email to reset your password. 💡 Make sure you use the password that you set up for your Qonto account and not the password that you use to sign in to your Google / Apple account. In case it does not work, please reset your password by clicking on the Forgot Password link .

https://help.qonto.com/en/articles/6680638-how-can-i-sign-in-with-google-apple

How do I confirm my device with email?

At Qonto, guaranteeing the security of your accounts is our priority. We use device confirmation , a security feature that requires devices ( mobile and computer ) to be authorized before accessing your account. This process should only need to be completed once for each device. ​ This is in complement of strong authentication ( SCA - Strong Customer Authentication ) required on your account. ​ ​ How to confirm the new device? To confirm your device after the log-in to the Qonto app, here are the conditions: Ensure the log-in is triggered by you and not anybody else trying to access your account. Qonto would never ask you to approve the log-in request. Accessing the email only from the device trying to log-in The link in the email will expire after 15 minutes If you do not recognize the device mentioned in the email, please contact our support immediately. Do not forward this email or share the link button with anyone , including people pretending to be Qonto. This is strictly confidential. ​ I have received a notification but I cannot find the email In that case, please follow the steps below 👇 Check your Spam or Trash folders Ensure emails from Qonto are not flagged as spams by verifying them Check the Social or Promotional tabs on Gmail if this is the web mail interface you use ​ ​ I have received an email but the link doesn’t work If this doesn’t work, this could be because of : An expired link: Initiate a new log-in attempt to restart the process A wrong device link: open the link on the same device, where you initially requested to log-in (link would not work on the paired device). If you are using a computer at the time, please open the link on the same browser as you attempted to log-in, avoid using private browsing modes. A redirection : If you still are redirected to the wrong device or expired links, contact the support via chat. ​ ​ I have received an email but the button doesn’t work Please try opening the email on a different email app or directly from the email provider, if this does not work, please contact us.

https://help.qonto.com/en/articles/8925590-how-do-i-confirm-my-device-with-email

What's the Nexi solution dedicated to Qonto?

☝️ The Nexi solution is only available for our Italian customers. Qonto has chosen Nexi, the Italian leader in the sector, to allow you to have a flexible POS, which offers multiple services and customised integrations based on the needs of local businesses. Nexi readers are very easy to use, even for the less experienced. The Nexi offer for Qonto customers includes 3 terminals, whose solution is customised and adapted to the needs of each individual business: SmartPOS mini with printer (ZERO activation and installation costs) SmartPOS mini without printer with no extra fee charged (One-time charge activation fee of 149,00€) Portable Mobile POS portatile with no extra fee charged (One-time charge activation fee of 59,00€) Soft POS with no extra fee charged (One-time charge activation fee of 39,00€) Are you happy with the above offer? Order your POS at the dedicated page . ​ ​ Nexi Business App Nexi not only provides a terminal, but also an App on mobile, called Nexi Business App, through which you will have access to additional integrated services and detailed dashboards to manage and monitor your payments 😉 For instance, you will be able to: Design and customise the catalog of your online products by optimising your sales experience Send digital receipts to your customers via SMS or email Cash out even remotely thanks to Pay-By-Link Create and manage accounts for your employees by monitoring their performance Follow the evolution of your sales and compare them to market benchmarks Accept tips, make cancellations and collect customer opinions! How do Nexi card readers work? Using Nexi to receive payments does not require any complex deployment or procedure, on the contrary, it only takes a few simple steps: Visit the dedicated page and order the POS that best meets your needs Register on the Nexi website Receive confirmation of approval along with credentials to activate the App directly on the email used during registration If you have chosen a terminal that requires the installation of a technician, make an appointment to finalise the activation That's it, your mobile POS is perfectly set up! ✅ To receive your payments, your customer only has to place the card on the reader or, alternatively, use Google Pay or Apple Pay via mobile phone with the NFC function activated Share the receipt with the customer, even in digital format via email or text message In case you were facing difficulties in the configuration, we recommend to contact directly Nexi assistance available 24/7h.

https://help.qonto.com/en/articles/6563965-what-s-the-nexi-solution-dedicated-to-qonto

How can I benefit from the concierge service?

Thanks to your X card, you can benefit from our concierge service! What is a concierge service? It’s an extra help that you can receive 7 days a week to facilitate your business and personal life. 🙂 Indeed, the concierge service included in your X card allows you to request for free*: information, bookings and quotes depending on your needs. Here are a few examples of requests : 📝 Legal and administrative information (visa, legal, Covid-19, insurance…) ✈️ Flight/train booking search 🧹 Cleaning services 🚗 Car rental (in France and abroad) 🏨 Accommodation search (short and long term rentals) 💐 Flower delivery (even abroad) 🛠 Handyman services 👨‍🍳 Restaurant booking 🎟 Ticket booking (concerts, sport events, ...) None of what you need is on this list? No worries, you can still send your request! Our concierge team will do its best to assist you 🙌 ☝️ Any information request or booking assistance is free of charge. Regarding other services, you will receive different quotes from the concierge to make your choice. How to make a request: First, make sure your X card has been activated. From your computer interface, click on the section Business account , click on Cards , and on the relevant Metal card. You can access to Concierge and lounge option at the bottom on the right. In the Concierge section, click on Make a request . Submit your request on the text box, and provide as many details as possible (For example: Hi, I would like to know the entry requirements to travel to the US as an Italian citizen, for my business trip? ) Choose if you prefer to be contacted by SMS or by e-mail. Once the request has been formulated and submitted, your concierge will get back to you between 9 am and 9 pm. Then, you’ll be able to chat with them by SMS or e-mail based on what you have chosen. On Mobile App the Concierge section is under More > Settings & Tools . Good to know: 💬 Our concierge can speak French, English, Italian, Spanish and German. 🆓 You can contact the concierge for free only if you hold an X card under your name.

https://help.qonto.com/en/articles/4359589-how-can-i-benefit-from-the-concierge-service

Can I link a card reader (POS) to my Qonto account?

☝️ Please note: the Nexi offer is only available for our Italian customers. We realised clients needed to have an intelligent and practical card reader to be connected to the account, in order to accept card payments quickly and easily. Our partnership with Nexi, a leading company in the digital payments sector, was born from such premise. Nexi offers a variety of solutions thanks to its in-depth knowledge of local businesses and professionals' needs. 🤩 Thanks to our collaboration you can access different types of terminals equipped with Bluetooth, mobile data or Wi-Fi connection. In addition, Nexi POS allows you to: Accept all cards, including PagoBANCOMAT® even in Contactless mode and meal vouchers from major issuers Receive credit within the next business day directly to your bank account Collect anywhere, thanks to Pay-by-Link In short, a complete, flexible POS, with no hidden costs and completely safe, 100% in line with the Qonto philosophy! 💜 How much are the card readers proposed by Nexi? Nexi has reserved some special offers and conditions for Qonto customers. If you wish to know more, you can visit the dedicated page clicking here .

https://help.qonto.com/en/articles/6564070-can-i-link-a-card-reader-pos-to-my-qonto-account

How can I benefit from the LoungeKey™ service?

Your X card gives you access to more than 1100 airport lounges worldwide. This card gives you access to the lounge regardless of the airline you choose and the type of ticket you have. In order to test the lounge and know if this is a service that you will like, your first entry will be free. You will then get a lounge entry for a discounted price of just €30 whenever you want to use this service. How does it work? Consult the list of available lounges on our partner's website and all the conditions of access, Present your X card at the lounge reception desk, specifying that you have LoungeKey access. First entry free, €30 entrance fee to the lounge for the next times. Enjoy a relaxing moment before or between your two flights. Shall I download the LoungeKey app? Please note that you don’t have to register or download the app to access the airport lounges. Your X card is enough. However, LoungeKey provides an application to discover the list of available lounges and register before your visit. ( iOS - Android ) Good to know As this service is provided by a third party, Qonto cannot guarantee entry, lounge availability and listed services. However, if you experience any issues accessing a lounge, please let us know !

https://help.qonto.com/en/articles/4359590-how-can-i-benefit-from-the-loungekey-service

Can I request a higher monthly limit for my online advertising card?

Yes, you can request a higher limit of up to €1,000,000 per month and per card. Please note that this limit is subject to eligibility and approval from Qonto . What are the eligibility criteria for obtaining a higher limit? To be eligible for these higher limits, you must meet these 2 conditions: you must have an average balance above €1,000,000 in your account over the last 3 months you must have spent over €100,000 in online advertising (with any type of payment method) for 3 consecutive months Please note that meeting this criteria doesn’t guarantee automatic approval. If I meet the criteria, how can I request this higher limit? To request a higher limit, you can send us an email at [email protected] with the following information: your name your company name the amount required a brief explanation outlining your need for the higher limit Our team will review your request and provide you with the necessary steps to follow.

https://help.qonto.com/en/articles/7206518-can-i-request-a-higher-monthly-limit-for-my-online-advertising-card

How can I transfer the user role "Account owner" to another person?

The user role "Account owner" is the most powerful role in the account at Qonto and can only be assigned to one person at a time. It is equivalent to the role of a main administrator for the account. What are the conditions for changing the user role "Account owner"? The "Account owner" user role must be transferred if the legal representative within the company has changed, but can also be transferred if you want to assign a different legal representative as the main administrator in the account. Only individuals with the following identification document can be assigned the role "Account owner": -a valid identity card or passport from the European Union, Switzerland, Liechtenstein, Norway, or Iceland -a valid machine-readable residence permit (plastic card) from Germany For security reasons, the "Account owner" user role change can only be carried out by our service. Specific documents are required for each legal form to verify the eligibility of the new legal representative. ⚠️ Sole Proprietors & Freelancers For sole proprietors and freelancers, transferring the user role "Account owner" is not applicable, as the management and company ownership are intrinsically linked to the individual of the business. Who can become the account owner and what documents are required for my legal form? Corporations and Partnerships Who can become the account owner? Current corporate officer or authorised officer Which documents are accepted? Updated commercial register extract or, Notarized document or, Court judgment GbR (Civil Law Partnership) Who can become the account owner? Current partner Which documents are accepted? Trade license of the new partner or, Current partnership agreement or, Court judgment I am no longer the legal representative of the company or there are additional legal representatives, how can I assign a new person as the "account owner"? Contact us via chat or email at [email protected] , providing the full name and email of the new account owner, as well as the name of the company, and send us the updated company documents. The individual will then be invited by us as the new legal representative of the company for the user role "account owner". The individual must accept the invitation sent to them via email and verify their identity via a video identification with IDnow. If the verification is successful, they will be assigned as the new main administrator of the account with the role of "account owner". Done! 😊 How can I designate myself as the new legal representative with the role of "account owner"? Contact us via chat or email at [email protected] , providing your full name as well as the name of the company, and send us the updated company documents. You will then be invited by us as the new legal representative of the company for the user role "account owner". You must accept the invitation sent to you via email and verify your identity via a video identification with IDnow. If your verification is successful, you will be assigned as the new main administrator of the account with the role of "account owner". Done! 😊

https://help.qonto.com/en/articles/9117699-how-can-i-transfer-the-user-role-account-owner-to-another-person

How can I top up my Qonto account by card?

The top-up by card feature is available on all plans for organisations who haven't added money to their account yet. The feature can be used once per existing organisations and it is currently available on desktop or your mobile app. During the registration process At the end of the registration process, you are presented with two optional steps for getting started fast and easily: order your card and top up your account by card. At this point, you can choose to top up your account by card following the three steps below. Enter the amount you'd like to add. It needs to be between 10 and 1 000 €. Add the details of a different bank card of yours you'd like to add the money from. Alternatively, you can do it via Google Pay. If the transaction was successful, the amount will appear instantly on your account. After the registration process If you haven't used the top-up by card feature during the registration process (see above), you can choose to come back to it at a later point as long as you haven't used any other means of adding money to your account, like transferring money into it from another bank account or receiving a payment. If you are on the Basic plan You can top up your account on the Accounts page in a few clicks. Navigate to the Accounts page. Click 'Start' on the 'Top up your account instantly' discovery card. Follow the steps above. If you are not on the Basic plan If you have another plan than the Basic and you haven't added money to your account yet, you will receive an email 1 day after your account has been validated about the possible ways of topping it up. You will be able to access the top-up by card feature from this email on desktop and go through the top-up flow above in your Qonto account. ☝️ Good to know : Using the top-up by card feature, the money will appear instantly on your Qonto account if the transaction was successful. You will be able to start using it (e.g send money out of your account) once your account has been validated, it usually takes up to 5 to 6 hours from the account opening. You can top up your Qonto account by card if you are based in one of the following countries: Austria Belgium Bulgaria Switzerland Cyprus Czech Republic Germany Denmark Estonia Spain Finland France * United Kingdom of Great Britain and Northern Ireland Greece Croatia Hungary Ireland Iceland Italy Liechtenstein Lithuania Luxembourg Latvia Malta Netherlands Norway Poland Portugal Romania Sweden Slovenia Slovakia ​ ​ * Metropolitan France Payment of waiting funds via stored card Your card details will be stored for future debits. Qonto will fund your main account with your stored card to pay the first pending fees if you have registered a payment method after 13/02/2024. Example: If you have pending charges of €169 and your account contains €130, you will be debited the difference from your registered card to fund your account. Your account will then be debited for the full charge and you will have a remaining balance of €0. 💡 You can delete your means of payment by going to Settings > Pricing & Billing > Means of Payment. Only the owner will have access to the payment method and will be able to delete it.

https://help.qonto.com/en/articles/5856637-how-can-i-top-up-my-qonto-account-by-card

What are online advertising cards and how do they work?

Online advertising cards are virtual cards designed specifically to help you manage your marketing campaigns across top ads platforms and merchants like Facebook Ads, Google Ads, and others. ​ With online advertising cards, you won’t have to worry about your campaigns getting blocked because you’ve run out of funds or exceeded your spending cap - all thanks to higher limits (€200,000/month, or more upon request and approval*), flexible controls, and efficient delegation options for your team. Who can create this type of card? These cards are available for free for companies on a Smart plan or above . To create or update an online advertising card, you must be an account Owner, Admin, or Manager . You can also assign a card to a user who has an Employee role. At which platforms and merchants can I use it? You can set up your card as a payment method at most of the top leading ads platforms that you already work with: Google Ads Facebook Ads, Instagram Ads TikTok Ads Snapchat Ads LinkedIn Ads Pinterest Ads Microsoft Advertising Amazon Ads Apple Search Ads Twitter Ads and Leboncoin Publicité ​ I’m an account Owner, Admin, or Manager. How can I create a card? Log into your Qonto account on desktop and click on Business account > Cards . Click on Create card and choose Virtual . Under Online advertising , click Choose . To finalize, select an account to link to the card, assign a cardholder (yourself or a member of your team), and set a monthly limit (optionally, you can also set a daily payment limit). Have a look at the recap and hit Confirm . 👆 Good to know: Make sure that you’ve enabled Strong Customer Authentication (SCA) on your account to fully benefit from the €200,000 monthly limit. SCA provides an additional layer of protection by pairing your account to a device. You can set it up easily by following these steps . Once your card is created, you can start using it immediately. Just click on Go to Cards section on the success screen or locate your card directly in the Cards section and then, click on Reveal on the side panel. From there, you’ll be able to copy your card’s details and securely add it as a payment method to your Facebook Ads, Google Ads, and other ads management platforms. Can I change my card’s limits after I’ve created it? Absolutely! Just select your card in the Cards section and click on the edit icon in the card settings. Then, simply update the limits and confirm the changes. Can I create multiple cards for different clients or platforms? Of course! If you’re on a Smart plan or above, you have unlimited online advertising cards included in your plan for free, subject to reasonable and fair use . To keep things organized, you can also assign your card a unique name (e.g. Facebook Ads). To do so, go to Cards , click on the card that you want to name, and go to Details to assign it a name. Can I request a monthly limit of over €200,000? You can request a limit of up to €1,000,000 per month per card, subject to eligibility and approval from Qonto. Learn more about eligibility criteria here .

https://help.qonto.com/en/articles/7206496-what-are-online-advertising-cards-and-how-do-they-work

Can I use my Qonto card abroad?

Of course! When you're abroad, you can make payments with your Qonto Mastercard and withdraw money from any ATM. Wherever Mastercard is accepted, you'll be able to use your Qonto card. More than 36 million places around the world accept Mastercard, so you can travel as much as you want! How can I pay abroad? All Qonto cards are already enabled by default to process payments abroad, therefore no activation action is required by our customers. If you need to travel abroad, we advise you to to read the section below Report your trip abroad as a preventive measure, to avoid having your card blocked for security reasons. Report your trip abroad It may happen that your card is blocked, for security measure, when you are abroad in a sensitive country. If you are travelling abroad in one of the countries listed below, we ask you to contact our customer service team about two weeks before your trip and declare: the return date of your stay abroad an estimate of your expenses per week with the card concerned the nature of your trip (business/private) the last 4 numbers of the cards concerned 👆 The request will be processed subject to the approval of our dedicated team Here is the list of countries concerned Afghanistan Anguilla Azerbaijan Bahamas Belarus Botswana Burundi Cambodia Cayman Islands Central African Republic Cuba Democratic People's Republic of Korea (North Korea) Democratic Republic of Congo Eritrea Ghana Iraq Islamic Republic of Iran Kyrgyzstan Libya Macao Mongolia Myanmar Nauru Nicaragua Pakistan Philippines State of Palestine Panama Republic of the Congo Russian Federation Saint Kitts and Nevis Somalia South Sudan Sudan Syrian Arab Republic Trinidad and Tobago Tchad Uganda Vanuatu Venezuela Virgin Islands, British Virgin Islands, U.S. Yemen Zimbabwe

https://help.qonto.com/en/articles/4359588-can-i-use-my-qonto-card-abroad

How can I remove my Qonto card from Apple/Google Wallet?

Apple Wallet The steps to remove your Qonto card from Apple Wallet depend on the chosen device. Here are all the processes in detail. How to remove a card on your iPhone or iPad? To remove a card you've added on your iPhone or your iPad, you can: Click on Wallet & Apple Pay from the Settings section of your iPhone Select the card you want to remove and confirm your action by clicking on Remove this card ☝️ Good to know: On your iPhone, you can also remove a card from your Wallet app, but also from your Qonto app. Just click on Manage from Apple Walle t, in the Cards section's Settings of your Qonto app. How to remove a card from your Apple Watch? Go to the My Watch section of your Apple Watch app. Click on Wallet & Apple Pay then on Default card and follow the process. How to remove a card from your Mac? To remove a card that you use on your Mac, go to the System Preferences section, then to Wallet & Apple Pay . Click on the card you want to remove, then click the minus ( – ) sign to remove the card. Google Wallet How to remove my Qonto card from Google Pay? If you would like to delete your Qonto card from Google Pay, open your Google Pay app. Select the card you want to remove, then click on the button on the top right corner of the screen and tap Remove .

https://help.qonto.com/en/articles/4805492-how-can-i-remove-my-qonto-card-from-apple-google-wallet

How can I add my Qonto card to Apple/Google Wallet?

Here are the different steps you have to follow to add your Qonto card on your phone: From the section 'Cards' Select the card you want to add to your Apple/Google Wallet Click on Add to Apple Wallet or Add to Google Pay and follow the instructions ☝️ Good to know: you can add all your physical, virtual or Instant Qonto cards to your Apple/Google Wallet. You just need to follow the different steps depending on the chosen device. 👉 Check this article to know how to delete your Qonto card from Apple Wallet.

https://help.qonto.com/en/articles/4805462-how-can-i-add-my-qonto-card-to-apple-google-wallet

How can I pay with Apple/Google Pay?

How to pay in stores? Time to pay? Authenticate with Face ID or Touch ID and position the top of your phone or your watch within a few centimeters of the contactless reader, until you see Done and a checkmark on the screen. Keep your eyes open! You can use Apple/Google Pay whenever you see one of these symbols: ​ ☝️ Note that contrary to contactless payment by card, there is no amount limit when you're using Apple Pay in-store. How to pay online? During checkout, select Apple/Google Pay (available in Google Chrome browser) payment method by clicking on it. Review all the information about your order (credit card, shipping address and contact information) and complete the payment. You can authenticate with Face ID or Touch ID to confirm the payment. Who can use Apple/Google Pay? You can use Apple/Google Pay no matter which plan or card you have. All Qonto cards are compatible with your Apple devices. In stores, Apple Pay works with iPhone SE, iPhone 6, and later, and Apple Watch while Google Pay works on Android devices running Lollipop (5.0) or higher.

https://help.qonto.com/en/articles/4805518-how-can-i-pay-with-apple-google-pay

What is the fraud and phishing insurance coverage protection on the cards?

You are covered in case of fraudulent purchases made with any of your physical cards, or in the case of withdrawals made from your account if your card was stolen or lost. What is the excess for fraudulent payment? There is no excess for this coverage. But the maximum benefit amount is limited to €3000 per year, per cardholder. What should I do if I'm a victim of phishing? You have to report the incident to Qonto in order to block the card and the account. You must then follow Qonto's instructions to secure your account and your cards again. If needed, Qonto can ask you to change your credentials. You also have to report the incident to the police.

https://help.qonto.com/en/articles/6845097-what-is-the-fraud-and-phishing-insurance-coverage-protection-on-the-cards

What to do if I need to activate my insurance or get a quick assistance ?

What are the eligibility conditions for the assistance ? There are two main conditions: You have a valid Plus or X Qonto card at the time of the incident. All transactions must be made with your Qonto card. How can I get assistance in case of an emergency? If you are a Plus or X cardholder, repatriation, urgent medical expenses and legal assistance are covered when you travel abroad. To contact the assistance provider, please call: +33 1 49 02 46 70 or send a message to [email protected] if your company is based in France. +49 69 22 22 80 17 / [email protected] if you company is based in Germany. +39 02 36 00 06 83 / [email protected] if your company is based in Italy. +34 911 149 989 / [email protected] if your company is based in Spain. How can I file a claim? To make a claim, simply fill out the online form that you’ll find here . If your claim is related to a transaction made before January 1, 2023, contact our previous partner AON via: - [email protected] or +33 1 49 02 56 10 if your company is based in France. - [email protected] or +34 911 149 988 if you company is based in Spain. - [email protected] or +39 02 36 00 06 82 if you company is based in Italy. - [email protected] or +49 69 22 22 80 16 if your company is based in Germany. What happens right after I submit my claim? Once you’ve submitted the claim, you’ll receive an email confirmation from Qover. After that, simply wait for further updates as we assess your claim and check its validity. Your supporting documents will be reviewed and the claim amount calculated. If we need further information, we’ll reach out to you. Once your claim is approved, you’ll receive the payment via a money transfer on your Qonto bank account. Who should I contact if I’m unhappy with the outcome of my claim? If you’re not happy with the outcome of your claim, you can contact Qover's mediation department at [email protected] . Make sure to provide all details to speed up the process. How to get proof of travel insurance cover? You can complete the form online to make your request.

https://help.qonto.com/en/articles/6788849-what-to-do-if-i-need-to-activate-my-insurance-or-get-a-quick-assistance

What Travel/Purchase insurance is offered on the Plus and X cards?

What is travel assistance? The travel assistance coverage provides you with a series of services to help you in the case of accidents, death, repatriation, or legal suits that occur while you are traveling. What is the purchase protection insurance? Purchase protection offers you protection against theft and accidental damages for all products paid in full with your Qonto Plus or X card. Coverage Travel insurance eligibility • A Plus or X cardholder • The spouse of a Plus or X cardholder • The cardholder’s unmarried children or grandchildren, under the age of 25 • The cardholder’s fiscally dependent ascendants Trips eligible • Trip purchased with the Plus or X card • Travel was more than 100km from the insured home or office location • Trip was shorter than 90 days • Worldwide, except in specified countries: North Korea, Cuba, Iran, Sudan, Syria, Ukraine. Trip cancellation If your trip has been cancelled or delayed due to an accident, death, layoff, employer-caused change of holiday date, or professional change: • €5000 per insured person/per year Travel delay Inconvenient expenses that you encounter due to: • A train or flight delay • A train or flight cancellation • A limit of €800 per claim regardless of the number of insured people on the trip (food, drink, hostels, airport transfers or purchase of new ticket can be reimbursed) Luggage • Refund up to €1000 per claim in the case of loss, theft or damage by the transport carrier • A €70 deductible, to be paid out of your own pocket, remains. Car rental waiver • Refund up to 5000€ for the excess you had to pay in case of damage or theft of the rented vehicle (provided that you rented the vehicle with your Qonto card and that the rental company does not offer insurance covering this deductible) Snow & mountain • Search and rescue costs in the mountain • Medical costs • Damage to ski gear • Unused ski lessons and unused ski passes following an accident Purchase protection • Minimum value of the purchase must be over €50 • Maximum benefit amount is €1250 per claim, and €2500 per year/per cardholder • Smartphones are covered against theft or damage, as long as you are an X cardholder and you have bought the smartphone in full with the card. Items not covered • Animals, plants, food or beverages • New or used motor vehicles • Cash, traveller’s cheques, bonds, securities, shares, or any marketable securities or instruments • Transport tickets • Entrance tickets for any type of sporting or cultural event, concerts • Jewelry or precious stones, artwork, gold or silver products • Goods purchased for resale • Weapons and counterfeit objects Where can I get the travel insurance certificate for my Visa application ? If the Visa agency or embassy ask you for a travel insurance certificate for your trip, paid for with your Qonto Plus or X card, you can request it via this application form .

https://help.qonto.com/en/articles/6845105-what-travel-purchase-insurance-is-offered-on-the-plus-and-x-cards

How does my card insurance work?

Who is Qover? Qover is the insurance provider - operating as an agent of the insurer. They arrange a group insurance policy for your benefit as a One, Plus or X cardholder. This policy is underwritten by AIG. Qover insurance provides coverage to the Qonto cardholder, starting January 1st 2023. To consult the details of your card’s insurance coverage, you can download the terms and conditions here : One legal notice Plus legal notice X legal notice What type of transactions are covered by my card insurance? All cardholders of physical cards automatically have access to insurance coverage. Qonto card transactions are covered by the user’s active coverage at the time of payment. For insurance to apply, coverage must be active at the time of the transaction, and at the time of the incident that led to the claim. ​ You can compare card coverage options here . What is my coverage level if I have different cards? If you have more than one physical card in your name, you will automatically have the highest level of insurance coverage. For example: if you have a One card and an X card in your name, from the same organization, your insurance coverage is the one of the X card. When your X card expires, your coverage will downgrade to the One card’s coverage plan (unless you order the X card again). ​ Do I have insurance on the virtual cards? There's no insurance coverage with virtual cards, online advertising and Instant cards. However, if you also have a physical card in your name, you will benefit from its corresponding level of coverage for all your card transactions. ​ Can I pay an additional fee to get additional levels of insurance? Today, if you want to get a better coverage for your card, you need to order a more premium card. If you have a question about your insurance coverage, you can reach out to our insurance partner by: submitting a request here or by calling them at: (Monday through Friday, 9AM to 4PM). FRANCE +33 1 82 88 03 95 GERMANY +49 800 7235087 ITALY +39 800 693 872 SPAIN +34 900 423 458 What is Caarl? Caarl is an insurtech specialized in Legal Expenses Insurance and legal services. Caarl offer is available only for premium cardholders ( PLUS and X cardholders ) and allows you to book an online appointment of 30 minutes with a lawyer in the following legal fields: Business Law (Business contracts, clients and supplier disputes, debt recollection...) Corporate Law (Bylaws, Shareholders agreements, funding rounds, bankruptcy...) Real Estate Law (Commercial leases, renting disputes, property transactions, business transfers, unpaid rent recollection...) Labour Law (Employees dispute, union management, labour tax...) Social Protection (Social security, health mutuals...) Tax Law (VTA, real estate, tax inspection...) Data Privacy (GDPR) You can get up to 2 appointments per year if you own a PLUS card, and up to 5 appointments per year if you own an X card. You can have all the details on this page: https://qonto.caarl.fr/en/login 👉 Consult one of our existing FAQs: What is the fraud and phishing insurance coverage protection on the cards ? What Travel/Purchase insurance is offered on the Plus and X cards?

https://help.qonto.com/en/articles/6845042-how-does-my-card-insurance-work

How to pay with my physical card before receiving it?

What happens when I order a physical card? Once ordered, you can immediately access a digital version of your new card through your Qonto app or other digital wallets and start shopping online or in-store right away while waiting for its physical version. 1 - Online payments : You can find your new card details directly from your Qonto app and use them to pay online. Your online payments are secured via 3DS protocols, learn more about it here . 2 - In-store mobile payments: You can start using your physical card in store by adding it to Apple Pay or Google Pay in a few clicks. Why do I need to activate my PIN code? Once you receive your physical card, using your PIN code for the first time (physical payment or withdrawal) will allow to fully activate your card in a secured way: The contactless payments The monthly payment limits above 20,000€ for PLUS and X cards

https://help.qonto.com/en/articles/6952381-how-to-pay-with-my-physical-card-before-receiving-it

How can I submit a card request?

💡 For Business and Enterprise plan users , employees can request cards to Admins or Managers, who are notified and can approve or reject the request in just a few clicks. Which cards can be requested? Employees can request two types of cards: Virtual card this is ideal for recurring expenses, for example online subscriptions for marketing tools or softwares. You will need to submit a proof of identity to request a Virtual card, it won’t be usable if your identification is not validated. Instant card for one-off expenses, this temporary virtual card is set for a specific budget and validity period. The Instant card expires right after the chosen end date. As an Employee, you won’t need to submit a proof of identity to request a Instant card, you will be able to use it once it’s validated by the Admin or Manager. How to request a card To request a card, go to the Request section of your app, click on Make a request, then choose the type of card. Fill in the following settings. Virtual card Add the recurring monthly budget needed. The Admin or Manager will be able to edit it if you need more budget after validation. Inform the reason why you need the card, to give more context to the Admin or Manager. Instant card Add the temporary budget needed. The Admin/Manager will be able to edit it if you need more budget after validation. Select the final day of use. This date can be no earlier than the following day and no later than one year from the application date. It can’t be changed. If you need it for a longer period, you’ll need to request a new card. Inform the reason why you need the card Once you submit a card request, the Admin or Manager will be notified by email and mobile notification. How can I track my card request? Once the card is created (or the request is declined), you will be notified by email and mobile push notification. In the meantime, you can go in Request tab of your app to check the status of your request: it will show as pending, declined or approved. Can I edit or cancel a card request? You can cancel a card request as long as it hasn’t been approved or declined. However, you can’t edit a request. If you’d like to change your request, please cancel it and start a new one. ☝️ After you have made a transaction using your card, don’t forget to add a receipt .

https://help.qonto.com/en/articles/5925834-how-can-i-submit-a-card-request

Why am I unable to pay the toll?

When you pay with your card, the merchant requires pre-authorization to make sure your account has the funds needed for payment. ​ The payment terminal (TPE) communicates with the creditor bank in real time, which allows for an almost immediate response to the pre-authorization request. To do this, it must be connected to the Internet . In fact, without a connection, the TPE will not be able to send the authorization request, which is essential for payment validation. ​ This generally happens with payments: of underground parking lots from bars/restaurants on trains or ships at self-service ticket vending machines. ​ For your parking space, we suggest that whenever possible, you make payment at the parking attendants. Alternatively, subscribe to the Telepass device to pay for your parking spaces with security. ☝️ Good to know: Qonto is not affiliated with Viacard and Telepass Business services. This means that: You can apply for a new consumer Telepass service, dedicated to individuals , or have the cost of an existing consumer Telepass charged on Qonto You cannot apply for a Viacard business and open a new Telepass business service on Qonto, but you can designate the Qonto account to charge an existing Telepass business service.

https://help.qonto.com/en/articles/4814727-why-am-i-unable-to-pay-the-toll

How do I block an "in progress" card transaction?

A card transaction is in progress or has been validated on your account? You don't agree with this payment and would like to refuse it? If the transaction has been refused by the merchant but appears to be in progress on your account, go here. If the fraud is not of your making, please block your card as soon as possible and follow the steps listed here . In the event of a dispute with a merchant you know, we suggest that you first contact the merchant to find an amicable solution. It is not technically possible to refuse a transaction in progress. However, the merchant may reimburse you if the transaction was unnecessary. If this is unsuccessful, we invite you to contact us, enclosing the e-mail exchanges you have had with the merchant.

https://help.qonto.com/en/articles/5028552-how-do-i-block-an-in-progress-card-transaction

What are the different statuses of a card transaction?

Transactions related to your Qonto account appear immediately in your transaction history and your balance is updated instantly . You can choose to filter the view of your transactions to show only those related to your cards. To do so, from the Business Account > Transactions , you can click on Filters then select Method and Card . Your interface may provide a clarification depending on the status of the transaction: A card transaction indicated as "Processing" has been authorized on our end but the merchant has not yet confirmed the debit. The amount is blocked on your account but has not yet been debited ( more info here ). The transaction will then be declined, reversed or settled. A card transaction marked as "Declined " has not been authorized and therefore has not been charged to your account ( more info here ). ​ A card transaction marked as "Reverted " means that we have not received the confirmation from the merchant. The amount has been released on your available balance. ​ A card transaction that does not indicate any details is "Settled " and the merchant’s account has been credited. The amount has been debited from your account. ​ How are card transactions processed? When you pay with your Qonto Card, the merchant performs an authorisation request to ensure that you have the required balance on your account. This authorisation request is usually for the same amount as your purchase and appears in your account history as a pending transaction . The pending flag disappears after the transaction is completed, usually 2 or 3 days after your payment. In some cases, the amount after a pending card transaction may change over time: If you don't remember the amount of a pending transaction, you can find the most common cases here: - A balance check A merchant (automated petrol station, hotel, car rental company, etc.) may make an authorisation request to your bank to ensure that your account has sufficient funds to cover the amount to be paid. These requests may remain marked as 'in process' in your account history for up to 9 days before being processed. - A card verification A merchant (online merchant, service app, etc.) may make an authorisation request to your bank (usually for an amount less than €1) to ensure that your card is valid. These requests may remain marked as 'in process' in your account history for up to 9 days before being processed. - The remaining amount of a previous authorisation request Sometimes the amount of an authorisation request can be higher than the amount you end up paying. For example, a hotel may run an authorisation request for an amount equivalent to a 3-night stay, while you end up paying for only one night. In some of these cases, a remaining authorisation request (which is the difference between the amount originally authorised and your amount paid) may remain on your account for up to 9 days before it is processed.

https://help.qonto.com/en/articles/4359573-what-are-the-different-statuses-of-a-card-transaction

How do I release a deposit ?

When you make a pre-authorization hold for a rental: If the amount is less than €1,000 it will be released within a maximum of 9 calendar days from the date of pre-authorisation. Qonto is not part of the process in this case and only the merchant can release the funds before this delay. If the amount is equal or higher than €1,000 it will be released within a maximum of 31 calendar days from the date of pre-authorisation. No worries, for such an amount, we can release the funds earlier if you send us the closing card receipt of the transaction the merchant gave you. ☝️The closing receipt must contain the last 4 digits of the card and the file number.

https://help.qonto.com/en/articles/5165756-how-do-i-release-a-deposit

My card transaction is rejected, what can I do ?

Here is some common troubleshooting in order to solve a card transaction problem by yourself. First depending on the payment method , then on general card usage and setting . 📳 Physical contactless payment rejected 👉 Check that your Contactless payments option is well activated for this card*. 👉 Check that you haven’t reached your limits of €150 consecutive contactless payments . In which case, it will be necessary to perform a transaction using your PIN code. 👉 Try to perform the same payment, inserting your card (PIN code). 💳 Physical magstripe payment rejected 👉 Check with the merchant that they allow this payment type . Indeed, some merchants don't allow it. 👉 Try to perform the same payment, inserting your card (PIN code). 🔢 Physical PIN code payment rejected 👉 Check with the merchant that the payment terminal doesn't have an Internet connection problem , which can cause a payment rejection. 💻 Online payment rejected 👉 Check that the card information have been filled in well : Are the expiration date and the CVV number correct? Is the card being indicated as a debit card and not a credit card? Are the embossed name and billing/shipment addresses correct? Is the name registered on the site the same as your company's? 👉 Check that the phone number registered for a 3DS authentication matches yours. 👉 Check that you haven't activated an ad blocker or a plugin that could prevent the payment from being performed. 📖 Common troubleshooting for a rejected card transaction Card activation 👉 Check that the card has been activated (Physical cards only) . Payment limits 👉 Check that your account balance isn't insufficient ; 👉 Check that the limits of the card aren't exceeded* ; 👉 Check that you aren't in a balance check case (automated gas station, hotel, car rental, etc.). Card blocking 👉 Check that the card hasn't been automatically blocked , following 3 wrong PIN codes in a row (Physical cards only) . 👉 Check that the card hasn't been temporarily blocked either by the account Owner, or an Admin, or a Manager*. 👉 Check that the card hasn't been deactivated/deleted , after having been declared as lost or stolen. Use abroad 👉 Check that the Payments abroad option of your card is well activated* ; 👉 Check that the country in which you've used the card is not on the sensitive countries list . In that case, please get in touch with our customer support. Cash withdrawals 👉 In the case of a cash withdrawal at an ATM, please keep in mind that it might be sometimes refused by the ATM for one of those two reasons : - The ATM own limits might block transactions of a certain amount ; - The ATM might not be detaining enough cash to handle your request. 💬 If you can't find a solution to your problem even with these proposals, contact us directly by chat from your Qonto interface , by clicking on the bubble in the bottom right corner. We'll be glad to help you ! *If you need to raise your limits, remove a temporary block, or modify your settings, please get in touch either with the account Owner, or an Admin, or your Manager.

https://help.qonto.com/en/articles/4359582-my-card-transaction-is-rejected-what-can-i-do

Do you want to dispute a card debit?

There are different types of card dispute 👇 1. A commercial litigation You have registered your card number on a merchant’s website : The merchant did not meet his commitments You paid for a service, but it was not honored Your order does not comply or has not been delivered The ordered item is not consistent with the one displayed on the site The package was not delivered For these cases, we invite you to first contact the merchant to request a refund. If you do not get satisfaction, you will have to gather all the written exchanges with the merchant. You have a maximum of 90 days to dispute a commercial dispute. 👉 Once your dispute file is complete (including exchanges with the merchant), we invite you to contact us through the chat and select “ Card transaction dispute ”. You will be led to a survey to fill in for more details. You notice a recurring debit from a merchant you know : It is possible that you have unwillingly signed up for a subscription program following a payment on the merchant's site. This typically happens when a box is checked by default and gives you access to a free trial, which will be automatically renewed and charged later. Unfortunately, Qonto cannot intervene in this case . You will have to request the cancellation and refund of the subscription from the merchant's customer service . 2. A fraudulent payment by card You notice a card payment that you did not initiate : First of all, we advise you to declare your card as “lost” or “stolen” to avoid new fraudulent transactions. 👉 We then invite you to contact us through the chat and select “ Card transaction dispute ”. You will be led to a survey to fill in for more details. You have a maximum of 8 weeks to dispute a fraudulent payment. 3. An ATM withdrawal (automated teller machine) You made a withdrawal but the bank notes did not come out : 👉 We invite you to contact us through the chat and select “Card transaction dispute”. You will be led to a survey to fill in for more details. You have a maximum of 120 days to dispute an ATM withdrawal.

https://help.qonto.com/en/articles/5319222-do-you-want-to-dispute-a-card-debit

What’s a “processing” card transaction?

When you pay with your Qonto card, the merchant makes an authorization request to verify that you have the necessary funds in your account. This authorization is usually for the full amount of your purchase ( unless exceptions ) and appears in your Qonto account history as a "processing" transaction. Card transactions are usually confirmed by merchants within 2-3 days, so it may take that long to appear in your transaction history. Please note that the amount is blocked on your account but has not been debited . ☝️ Without confirmation from the merchant, the transaction can remain "processing" in your Qonto account history for up to 9 days. After that time, the transaction will be automatically canceled by the system and will appear crossed out Payment declined but displayed "processing" on my account Your card transaction has been declined by the merchant however the transaction is displayed under "processing" on your account? Rest assured, this operation will not be debited! The payment authorization is sent to the merchant to validate the transaction. Sometimes, your payment is authorized by Qonto but the merchant does not receive confirmation due to interbank connexion issues. The payment is then refused on the merchant’s terminal. If Qonto does not receive the information regarding the rectifying transaction, the transaction remains under "processing" on your account. As per Mastercard rules, the displayed transaction will disappear from your account within maximum 9 days. Your balance will then be updated.

https://help.qonto.com/en/articles/4359569-what-s-a-processing-card-transaction

Why does my transaction appear to be higher than its actual amount?

If your transaction appears to be higher, it means that the merchant has made a pre-authorization hold during your payment. What is a pre-authorization hold? In order to ensure that the payment will be properly honored, (that is, to verify that the balance has the necessary funds), the merchant makes a pre-authorization hold of a greater amount than the final amount of your purchase. This pre-authorization hold appears as a “pending” transaction on your account before being replaced by a transaction of the actual amount of your purchase. In which cases does the merchant make a pre-authorization hold? When refueling at automatic fuel dispensers ⛽️ The automated fuel dispensers charge a debit on your account in an amount typically between €90 and €150 before allowing you to refuel. This pre-authorization hold is then regularized by the actual price of your transaction just after your refuel. It may happen that the distributor or merchant doesn't regularize the transaction. In this case, your account will be regularized within 1 to 9 days when the merchant will send us the confirmation of the operation. When renting a vehicle or equipment 🚗 When you rent a car or equipment, the merchant makes a bank impression in the form of a pre-authorization hold. If the amount is less than €1,000, it will be released within a maximum period of 9 days. If the amount is more than €1,000, it will be released within 31 days . You can have more info about this here When staying in a hotel 🏨 When you stay in a hotel, the hotel makes a larger pre-authorization hold to ensure that your balance covers the total amount of your stay. This pre-authorization hold can remain in your account before being regularized by the debit of the actual amount of your stay.

https://help.qonto.com/en/articles/4359571-why-does-my-transaction-appear-to-be-higher-than-its-actual-amount

How do spending categories work for cards?

💡 Admins, Owners and Managers from Essential, Business and Enterprise plans can set up spending categories on cards. What are spending categories? Spending categories enable employees’ cards payments to be authorized for specific categories of expenses only. Qonto proposes six spending categories, corresponding to your main business cases: Food & Grocery Restaurants & Bars Transportation Hotels & Lodging Gas stations Equipment & Tools When a card payment occurs, the Merchant Category Code (MCC) attributed to this transaction is automatically scanned to see if it matches the allowed category under Qonto’s classification. If it does, the transaction is authorized. If it doesn’t, the transaction is declined. However, as MCC are not attributed by Qonto, some payments can be authorized or declined against user expectation. For example, if a merchant provides multi-services, like take-away and restaurant, its MCC could be linked to the restaurant service and may not be authorized for a card which only had “Food & Groceries” authorized. Spending categories is a tool to gain greater control, but the results may be impacted by merchant’s MCC code attribution. To better manage expectations, the card transaction of an employee is declined, the employee will receive an instant notification which will advise to contact the Admin to change the restrictions of spending categories. If you encounter any problem, do not hesitate to contact us by chat ! How to create cards with spending categories? Spending categories apply to physical or virtual cards (not Instant cards). From the section ‘Business Account’ , click on 'Cards' then on ‘ Create a card’. Select the account you’d like to charge and the person you’d like to attribute the card to. Set up the card’s parameters and click on the toggle Specific spending categories to display the drop-down of options. You can select multiple categories. Continue the set up and validate. How to edit spending categories? ☝️ As an Owner, Admin or Manager, you can edit cards’ spending categories at any time, from your mobile or desktop app. To do so, in your Cards section, click on the card and click on the 🖋️ next to Advanced settings.

https://help.qonto.com/en/articles/5848534-how-do-spending-categories-work-for-cards

What should I do if my Qonto card is lost or stolen?

How can I permanently block a card? Whether your Qonto card is lost, stolen or even broken, you can deactivate it directly from your account: From the section ‘Business Account’ , click on 'Cards' Select the appropriate card and click on Report lost/stolen , at the bottom of the right-hand side. Then, select ' Report as lost' or ' Report as stolen'. Finally, enter your password to confirm the action. ☝️ Good to know: This is an irreversible action that will permanently block your card . So check your recent transactions to make sure that there has been no fraudulent use of your account. The cost of a new physical card is 6 € HT, except if it was lost during shipping. What should I do if there is a fraudulent operation? You just checked your last transactions, and you think you are being defrauded? We explain to you what to do, step by step, right here . If you have any doubts about a transaction, you can start a chat with us by logging in your Qonto interface. **We would be happy to help you.

https://help.qonto.com/en/articles/4359603-what-should-i-do-if-my-qonto-card-is-lost-or-stolen

How can I see or change my PIN?

How to see my PIN? Your PIN code is accessible at any time in your Cards section from your desktop or mobile app. To find it: Go to the Cards section Select your card Click on “ See PIN ” 💡 If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone. ☝️ Have a doubt on your PIN? Please do check it before trying again. Indeed, if you enter 3 times a wrong code, your card will be blocked and you’ll need to change your PIN. How to change my PIN? If you entered 3 times a wrong code or just forgot it, you can reset your PIN code anytime from your application. To reset your PIN code : From the section ‘Business Account’ , click on 'Cards' From the right tab of your screen, click on ‘Reset PIN’ code and define a new card PIN code. To finalize the activation, you have to complete 2 transactions using your PIN at an ATM. You do not need to validate the withdrawal, you can cancel the operation after entering your PIN or deactivate this option on your card. ☝️ Upon receipt of your card, if you do not remember the first PIN defined during the order , it won't be possible, for security reasons, to request a reset. In this case, you will have to delete this card and order a new one . How to choose a secure PIN code?

https://help.qonto.com/en/articles/4359601-how-can-i-see-or-change-my-pin

How to delete a card?

How to delete a physical card ? Deleting a physical card is simple : you have to declare it as “stolen/lost” from your interface (even if you still have this card in your possession). ☝️ Good to know : Your card will definitely be deactivated, you will not be able to reactivate it afterward. To delete your card : From the section “Business Account” , click on “Cards” . Select the relevant card and click on “Report lost/stolen" in the lower right corner. Then select the “Report as lost” or “Report as stolen” option. Confirm the action via Strong Customer Authentication on your paired device ( more info here ) Done, your card is deactivated ! How to delete a virtual card? You can easily delete a virtual card (including Online advertising cards and Instant* cards) from your Qonto interface. This action must be performed by the Account Holder, Admin or Manager (for their team). ☝️ Good to know : Your card will definitely be deactivated, you will not be able to reactivate it afterward. From the section “Business Account ”, click on “Cards” Select the virtual card you want to delete In the bottom right corner, click on “Delete Card” . Then select “Delete” Done ! Your virtual card is deactivated. 💡 If the card is "Blocked", it must first be "Unblocked" before it can be deleted. Check this article to know how to proceed. The Instant* card expires on the end date set initially. Available on Business (Advanced) and Enterprise plans only.

https://help.qonto.com/en/articles/5028577-how-to-delete-a-card

How can I know my card number, CVV and expiry date?

For physical cards, you'll find all the information on the back: The card number (also PAN: primary account number) (PAN or simply called 'card number') is the 16-digit number The card's expiry date (month/year) The card verification value (CVV) is the three-digit number located on the back of your MasterCard, next to your signature. Holder name Company name Note: Do not take or share any pictures of the back of your cards. You can access this information from your Qonto account for your virtual and physical cards : From the section ‘Business Account’, click on 'Cards' Select a card and click on " Reveal" Enter the security code you received by text. 💡If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone.

https://help.qonto.com/en/articles/4359602-how-can-i-know-my-card-number-cvv-and-expiry-date

How do I set the PIN code of my Qonto card?

The creation of the PIN code confirms the order of your Qonto card. Without your validation, we will not be able to send your card. Note: For security reasons, the system does not accept the following combinations: 0000 (4 x zero) or 0243 (which begins with zero) or 1234 (too simple number sequences). Are you Admin of your Qonto account or a Manager? If you order a card for yourself, you have to set the PIN code at the moment of the order. Are you an Employee? If your card has been ordered by the admin of your account or your manager, you’ll receive an email including a link and instructions for you to choose your PIN code. You can also do it directly from your personal space. If you haven’t submitted your proof of identity yet before setting your PIN code you will be required to have an approved proof of identity. For security reasons, the order will be confirmed only after you have set the PIN code and your proof of identity is validated. Once received, you will have to activate the card . ☝️ Good to know: your PIN code will be visible at any time from your Qonto web or mobile app, after you’ve activated the card. Click here for all the details .

https://help.qonto.com/en/articles/4359597-how-do-i-set-the-pin-code-of-my-qonto-card

Why was my card blocked?

You have blocked your 3D Secure (3DS) access When you make a 3DS payment, it must be validated either by a security code received by SMS, or by validation via your mobile application if you have enabled Strong Customer Authentication . After three unsuccessful attempts, your card may be blocked. In order to unblock it: From the section ‘Business Account’, click on 'Cards' Select the relevant card Click the “unblock” option at the bottom right of the page. You will then have to validate the unblocking by a confidential code received by SMS or via a strong authentication from your phone. If you are an employee, you need the validation of your Admin or Manager. ☝️ If the card still blocked, you will need to contact our support from your interface. You have blocked your PIN If you have entered 3 wrong PIN when withdrawing or when performing a physical payment, the status of your card becomes “ PIN blocked ”. You will need to follow the process to change your PIN here . ☝️ Upon receipt of your card, if you do not remember the first PIN defined during the order , it won't be possible, for security reasons, to request a reset. In this case, you will have to delete this card and order a new one .

https://help.qonto.com/en/articles/6092929-why-was-my-card-blocked

How do I activate my Qonto card?

I've just received my card, what do I do now? Once ordered, you can immediately access a digital version of your new card through your Qonto app, more infos here . Nevertheless, to finalize its activation, you have to activate its PIN code. Why do I need to activate my PIN code? Once you receive your physical card, using your PIN code for the first time (physical payment or withdrawal) will allow to fully activate your card in a secured way : The contactless payments The monthly payment limits above 20,000€ for PLUS and X card 💡 By downloading the mobile Qonto app you’ll have access to your PIN code at any time, so you can check when you have any doubt. Depending on your Plan, the withdrawal can be billed 2€ excl. tax . You have the possibility to cancel the withdrawal after entering your PIN to avoid fees. Good to know You can customize the name of your cards to organize your expenses. 👉 How to customize my Qonto card name? If the card has been set up for you, you can review at anytime the payment limits and options you have access to from your Cards section.

https://help.qonto.com/en/articles/4359599-how-do-i-activate-my-qonto-card

How can I renew a card when it expires ?

Is a card belonging to you or a team member about to expire? Renewing a Qonto card requires very little effort on your side. The process is clear and automated, so you can keep paying for whatever your business needs. Plus, it’s completely free. On which exact date does my card expire? The expiration date is written on your card as follows: MM/YY. That means the card will be valid until the very last day of the month indicated. For example, if the expiration date displayed on the back of your card is 07/22 , it means that your card will be valid until 23:59:59 on July 31, 2022 and will no longer work on August 1, 2022. How and when am I informed about my card’s expiration? I am a cardholder (regardless of my role in the company): 10 weeks before the day your card expires, you will receive a first email prompting you to confirm or update your delivery address. You have 2 weeks to update or confirm it. 💡If you haven’t confirmed or updated you delivery address within these two weeks, the card will be sent by default to your company address. 6 weeks before the day your card expires, your new, replacement card will be sent to the address that appears in your Qonto interface. You’ll receive a push notification message on your phone indicating the estimated delivery time and the delivery address. Around 5 weeks before the day your card expires, you should receive your new card at the given address. Once you’ve received your new card, simply activate it directly from your Qonto interface. I am an Admin or Manager and manage a fleet of cards: 10 weeks before a card expiration date, you will receive an email indicating that one or more cards in your fleet will soon expire and that a replacement card (or cards) will be sent to you automatically. What happens if my physical card is attached to Google or Apple Pay ? Google and Apply Pay will be automatically updated with your new physical card’s information 45 days before your old card expires. In other words, 6 weeks before your old card expires, it will be replaced by your new virtual card information. What happens to my new card informations and settings? Your physical card will have a new credit card number. Some merchants have automatic access to the new card information for recurring payments, so your new card may be debited in these cases without you having to do anything. While the card number will change, the card’s settings will not. The new card will maintain the same payment limits and settings as the old card. What happens if my virtual card is about to expire? In the case of a virtual card, you will receive an email 1 month before its expiration date informing you that it’s about to expire. You will need to create a new virtual and reconfigure your personal options and settings. What happens when I have paid for a virtual card? (Only applies for Solo Basic plan) V irtual cards are free except if you are in the solo basic plan While you’ll be able to use both cards during the 45 day transition period, you will only be charged for one. When the old card expires or is deleted , the billing for the new card will automatically start.

https://help.qonto.com/en/articles/6186977-how-can-i-renew-a-card-when-it-expires

How do I manage my card's settings?

From the section ‘Business Account’, go on 'Cards'. When you select a card , its settings appear in a new tab on the right and you can start customizing them. Please note that only Account Holders, Admins and Managers (for their team) and primary owners can manage card settings. Physical Card With a physical card, you can pay online or offline (with PIN code or contactless) and you can withdraw cash. You can use your physical card in France or abroad. On a physical card the Admin or the Manager can set: Custom card name in-app (e.g. 'Travel card', 'Office expenses card'...) Authorization to withdraw money Authorization to pay contactless Authorization to pay online Days of use (for example from Monday to Friday) Authorization to pay only for certain spending categories Monthly limit (up to € 200,000 for X card) Daily limit Transaction limit Virtual card With a virtual card, you can pay directly from creation, online or offline (by adding it to Google pay / Apple pay). If your physical card hasn’t arrived yet, you can start spending with a virtual card. On a virtual card, the Admin or the Manager can set: Custom card name in-app (e.g. 'Google Ads', 'LinkedIn', 'Amazon'...) Monthly limit (up to 20 000€) Daily limit Transaction limit Days of use (for example from Monday to Friday) Authorization to pay only for certain spending categories Online advertising Card With an Online advertising card, you can manage your marketing campaigns across top ads platforms and merchants like Facebook Ads, Google Ads, and others. You won’t have to worry about your campaigns getting blocked due to running out of funds or exceeding your budget, all thanks to high spending limits (€200,000/month, or more upon request and approval*), flexible controls, and efficient delegation options for your team. Instant Instant* card is a temporary virtual card. It can be attributed to any member of your team for a specific occasion. On a Instant* card the Admin or the Manager can set: Custom card name in-app (e.g. 'B2B conference', 'Offsite dinner', 'Client visit in Berlin'...) When creating it: a budget and a time of validity The budget can be adjusted throughout the time of validity The time of validity can’t be modified. If the card holder needs to pay after the chosen date, the Admin or the Manager will need to create a complementary Instant card. Employees can now pre-fill some of their card settings by requesting a virtual card or Instant card* via their Qonto interface.* These settings can be changed and completed by an Owner, Admin or Manager at any time. 👉 How can I submit a card request? *only for Business and Enterprise subscription Can I make contactless payments with my Qonto card? All physical Qonto cards include Near Field Communication (NFC) technology. This technology allows you to make contactless payments. Whether you have a One, Plus or X card, you can pay up to €50 without having to tap your PIN code to confirm a transaction, so you can save time at the checkout. All you have to do is bring your card within 3 cm of the payment terminal. Please note that contactless payments can be enabled or disabled by an Admin or Manager in the card settings section. What are the limits? For security reasons, some limitations apply regarding NFC payments: All payment above €50 will be automatically rejected (above €25 in Italy) You can pay up to €150 consecutive contactless payments . Beyond this amount, you will be asked to tap your PIN code to reset the limit.

https://help.qonto.com/en/articles/4359600-how-do-i-manage-my-card-s-settings

What is a card of domiciliation?

A card of domiciliation (or direct debit card) connects the payment terminal to a company's bank account and is especially useful for craftsmans or merchants. It generally has 7 digits and is known as a "retail card for POS". It is required for the configuration of the payment terminal (POS). With a direct debit card, you can: Collect the payment by credit card Refund the transaction Cancel the transaction ☝️ As a payment institution and not a banking institution, Qonto does not provide a direct debit card yet. Which is why we have teamed up with partners like Zettle , the European leader in direct debit for SMEs.

https://help.qonto.com/en/articles/6999479-what-is-a-card-of-domiciliation

How to customize my Qonto card name?

🔍 Gain visibility managing your cards by adjusting their name in-app. Why should you name your cards? Naming your cards helps you organize your expenses. For example: Physical card (One, Plus, X) can be dedicated to job duties: 'Travel card', 'Office expenses'... Virtual card can be dedicated to a recurring online subscription or marketing channel: 'Google Ads', 'LinkedIn', 'CRM tool'... Online advertising card is dedicated to marketing channel: 'Google Ads', 'LinkedIn', 'CRM tool'... Instant card are dedicated to a one-off expense you can name: 'B2B conference', 'offsite dinner', 'Client visit in Lyon'... How to edit the name? From the section ‘Business Account’ , click on 'Cards' and select the card you'd like to rename Click on the 🖋️ next to Card Name and adjust the name Save, it's done! Fun fact? You can add emojis to your cards' name! 💫

https://help.qonto.com/en/articles/5811760-how-to-customize-my-qonto-card-name

How long does it take to receive a card ?

Qonto physical cards are sent through tracked mail for One/Plus cards in France, and through DHL for X (Metal) cards and cards sent in Europe. From the reception of the confirmation email "Your card is on the way" the delivery times are approximately: 2 to 5 business days for the delivery of a One/Plus card for France 24h to 48h business days for the delivery of an X card in France and One/Plus/X cards in Europe In the DOM-TOM and outside Europe, the delivery times can go beyond 5 working days. Please also note that delivery times may be extended by a few days by La Poste or DHL and not Qonto. Those periods apply from the moment the card order is validated . In the case of a new account creation, the card order validation will only be effective from the moment the account is validated . 👆 Good to know: Postal tracking is available about 24 hours after the email confirmation of the card shipment. If you have not received your card within the maximum period announced, do not hesitate to contact us by starting a chat from your Qonto app. ☝️ For any delivery outside the European Union - including DOM-TOM, customs fees may apply. We invite you to contact our customer service. You can also read these articles to learn more : 👉 How do I activate my Qonto card? 👉 How can I order my Qonto card? 👉 How do I manage my card's settings?

https://help.qonto.com/en/articles/6247894-how-long-does-it-take-to-receive-a-card

What are virtual cards and how to use them ?

A virtual card is a 100% online payment card. The virtual card looks identical to your physical card, with its own virtual card number on the front and security code on the back. I am an admin or a manager, how do I create a virtual card ? From the section ‘ Business Account ’, click on ' Cards ' and select the virtual Card. You'll then have to select : An account associated with the card A cardholder : you or someone already on your team A budget : between €5 and €20,000. You'll be able to adapt the budget later Days of usage and spend categories according to your needs Once you confirm the order, the card can be used immediately and is available in the cards section of the card holder. I am an employee, how can I get a virtual card ? From the section ‘Business Account’, click on 'Cards' Click on Request a card Select Virtual card Add the context of your request in the notes field Click on Submit Application And that's it ! The admin or manager will then validate your request. A mobile or email notification will alert you when your request has been processed. How do I use a Virtual card ? Pay online by getting the card information from the card section of your app Pay in store by adding the card on Apple Pay or Google Pay It is not possible to withdraw cash with a virtual card

https://help.qonto.com/en/articles/6962299-what-are-virtual-cards-and-how-to-use-them

What is the difference between the budget limit over a calendar month and 30 rolling days?

Payments and withdraws amounts with both physical and virtual cards is now based on calendar days instead of 30 rolling days. In other words, your available balance resets itself on the 1st day of each month . The difference with the 30-day rolling system Previously, the payments and withdraws limits were not based on calendar days ex : January 1st - 31st) but on the last 30 rolling days. For instance, if your withdraw limit was 1 000€ on 30 rolling days and you withdrew 400€ on January 5th, it was necessary to wait until February 5th to get the 400€ back in your available balance. In this example, with the calendar days system, your available balance is back to 1 000€ on February 1st. The impact on your business We don't expect this to impact your daily operations or your finances, but as fellow planners we know how nice it feels to have all our bases covered. So here are a few tips ahead of this change. Rest assured, there is no change to your card details, so you won't need to adjust your automatic payments or subscriptions. On May 1st, you and your colleagues have seen their respective card monthly limit reset for the month. This means that they will be able to spend a higher amount than before on this 30 days period. For example, a colleague who spent 500€ on April 18th won't need to wait May 18th for the 500€ to be available again on his card. Cards created in the middle of the month have a pre-defined monthly spending limit to use until the end of the month. To avoid this, we suggest you to create your cards on the 1st of each month, or change the monthly spending limit according to your spending needs. We offer new customizable settings : a spending limit per transaction, a spending limit per day, or even depending on the day of the week. Therefore, more flexibility and control! >> How do I manage my physical card's settings?

https://help.qonto.com/en/articles/5097287-what-is-the-difference-between-the-budget-limit-over-a-calendar-month-and-30-rolling-days

How can I suspend/unsuspend a card ?

You cannot find your Qonto card and wish to block it temporarily first, before maybe declaring it lost/stolen ? You can pause it. How can I block temporarily a card ? 🔒 From the section ‘Business Account’ , click on 'Cards' Select the card you want to suspend Click on 'Block card' Submit your choice. This action only suspends your card, it doesn't permanently block it. You can decide to unblock it after if you need to use it again. How can I unblock a card following a temporarily blocking ? 🔓 From the section ‘Business Account’, click on 'Cards' Select the card you want to unsuspend Click on 'Unblock card' Type in your password and select 'Unblock this card' Submit your choice. If you are an employee, you will need the validation of your Admin or Manager. I haven't found my card and think it is definitely lost/stolen 😔 First unblock your card if you have blocked it temporarily Declare it lost/stolen to block it permanently: Here are the steps

https://help.qonto.com/en/articles/6266228-how-can-i-suspend-unsuspend-a-card

Does Qonto handle cash and can I pay using signature authorisation?

Does Qonto handle cash? With Qonto, you can order physical cards, so you're able to withdraw money from any ATM. However, for security reasons, we do not process cash deposits . As a payment institution, we do not offer a cash float either. Can I pay using signature authorisation? With some merchants, payment authorisation can be completed by the signature method (and not the PIN code authorisation). This authorisation method is not accepted with your Qonto card. Every payment on a physical terminal has to be confirmed by your PIN code entry.

https://help.qonto.com/en/articles/4359636-does-qonto-handle-cash-and-can-i-pay-using-signature-authorisation

How can I upgrade my card?

You would like to change your One or Plus physical card for a more premium card to enjoy more benefits? You can upgrade your card to a more premium one in only four clicks, directly from the Cards section of your Qonto app, without having to worry about your old one. How can I upgrade my card for a more premium one? If you have one of the following roles on Qonto: Admin , Owner or Manager with authorization to manage cards; you can upgrade your card from your account. For this, connect to your Qonto account on desktop : Click on the Cards section and select the card you wish to replace On the side panel that appears, click “ Upgrade to a more premium card ” and choose the card you would like to upgrade to: either the Plus or the X card. Confirm the delivery address to send your new card to. Confirm your order via Strong Customer Authentication on your paired device ( more info here ) The new card appears on your Cards page 🎉 The old one displays the mention “To be deleted on [date]”. Which card will be active and when? The new card will be active as soon as you’ve confirmed the order, both for online and physical payments (via Apple Pay and Google Pay). The PIN will stay the same as for your former card. More details on this article . Your old card will automatically be canceled 1 month after your upgrade (on the same day of the following month). For instance, if you upgrade your Plus card to an X card on 14/06, the Plus card will stop being active on 14/07. How will I be billed if I order the new card? You won’t be charged for delivery of the new card. To avoid paying for both your previous and upgraded cards, you won’t be billed for the new card until your previous card is automatically deactivated, which will happen 1 month after you upgrade. If you were paying for your card (Plus card or One card not included in the plan), you will keep paying its monthly subscription fee until the end of the month. If your old card is a One card and is free of charge, it will keep being free. The new card will be billed at the beginning of the following month; in the meantime you’ll only pay for the old one. For example: You upgraded your Plus card to an X card on June 14 On July 1st, you will be charged for the Plus card for July, regardless of when it is deactivated Your Plus card will be automatically deactivated on July 14 You will be charged for the X card for August, on August 1st

https://help.qonto.com/en/articles/8153322-how-can-i-upgrade-my-card

What is Instant card and how to use it?

⚡ Instant cards are available for Advanced, Business and Enterprise plans. Members added to Qonto as Managers can create Instant cards for themselves or their team members. Instant card, your temporary virtual card The Instant card is ideal for one-off expenses . ✔️ Set the budget and time validity that corresponds to a specific need: equipment purchase, team lunch, business trip, or any other one-time request. ✔️ Available immediately after creation , add it to Apple pay / Google Pay to pay in a shop, restaurant or gas station. ✔️ Instant card expires automatically on the date set . I am an Admin or a Manager: How do I create an Instant Card? From the section ‘Business Account’, click on 'Cards' and select the Instant Card. Then choose: An account associated with the card spend. A card holder : you, or someone on your team already on Qonto. A budget: Between €5 and €20,000, just like a virtual card. This budget can be changed at any time until the Instant card expires. A time of use : Set the end date of use. After this date, the card will automatically expire. Please note that this date cannot be changed. If you need a payment after this date, you will have to create a new Instant card. Once these parameters have been entered, the card can be used immediately and will be available in the Cards section of the selected card holder. I'm an Admin or a Manager: How do I manage an Instant card? Once the card has been created, no further action is required on your part: the Instant card will expire automatically on the date set. If the cardholder needs to increase the initially set limit, you can change the card settings at any time from the Cards section . From the Cards section, you can adjust the Instant card name to better fit its purpose (e.g. 'B2B conference', 'client visit in Berlin', 'offsite dinner'). In that way, you'll be able to better review cards and expenses. ⚠️ Please note that it is not possible to change the expiry date. If you need a payment after this date you will have to create a new Instant card. I am an Employee: How do I get an Instant card? You can now apply for an Instant card directly from the web or mobile application*. You don’t need to provide proof of identity to request an Instant card. From the section ‘Business Account’, click on 'Cards' Click on Request a card. Select the type of card Define the budget and the period of validity of the card Add the context of your request in the notes field Click on Submit Application . And that's it! The Admin or Manager will then validate your request. A mobile or email notification will alert you when your request has been processed. ☝️ You can also make your requests, as well as track existing requests in the Requests tab of your application. 👉 How can I submit a card request? only for Business and Enterprise subscription How do I use an Instant card? Pay online by getting the card information from the app ( Cards section ) and copy it on one click. Pay in store by adding the card to Apple Pay or Google Pay . The Instant card will automatically expire on the date set. Be careful, this date cannot be changed. If you have to pay after the date, you will have to ask for a new Instant card. Good to know: Remember to add your payment receipt. You can take a picture of the receipt from your application or forward a receipt by email

https://help.qonto.com/en/articles/5440624-what-is-instant-card-and-how-to-use-it

How many cards can I have with my Qonto account?

Each user can have up to 5 active physical cards. If your team is made up of 20 employees, all having access to the company’s Qonto account, each of them can have 5 active physical cards, for a total of 100 cards. Depending on the plan you chose, a number of Qonto cards are included. You have the possibility to combine physical and virtual cards and Instant* to suit your needs. ☝️ Good to know: Virtual cards are free and unlimited for Smart, Essential, Premium, Business (Advanced) or Enterprise plans. For more details about our pricing, click here . * Instant card is only available on Business (Advanced) and Enterprise plans.

https://help.qonto.com/en/articles/4359596-how-many-cards-can-i-have-with-my-qonto-account

Additional information about X card withdrawal limits

❗️ This article only concerns companies that are registered in Germany. In order to support you in your daily work in the best possible way, we have increased the withdrawal limits of the metal card for you. Please note that the new withdrawal limits of the X card only applies to accounts with a german IBAN. X Card €20 / month (excl. tax) Mastercard World Debit Benefit from a 0% foreign exchange commission on non-euro payments (and no fixed fees) Pay up to €60,000 per calendar month Withdraw up to €15,000 for free, per calendar month Take full advantage of a concierge service available 7 days a week Access airport lounges Benefit from Qonto’s most exclusive card insurance ✌️ Good to know: When ordering your X card, to confirm the order, you need to first top-up your Qonto account through a simple bank transfer. Find how to do it right here . 💡 Note: Settings already selected for active X cards are retained.

https://help.qonto.com/en/articles/6432685-additional-information-about-x-card-withdrawal-limits

How can I approve a card request?

💡 For Business and Enterprise plan users , employees can request cards to Admins or Managers, who are notified and can approve or reject the request in just a few clicks. Which cards can be requested? Employees can request two types of cards: Virtual card : this is ideal for recurring expenses, for example online subscriptions for marketing tools or softwares. Instant card: for one-off expenses, this temporary virtual card is set for a specific budget and duration. The Instant card expires right after the chosen end date. How to approve a card Once an employee requests a card, the Admin or Manager is notified by email and mobile notification. To approve a card request: Go to the Tasks section of your app, in the To Approve tab or directly on the Home section of your app, and click on Task icon. Select the card you’d like to approve Review the card information and select the account it will be linked to Click Approve at the bottom of the screen. You’ll have to comment on your decision if you choose to reject the card request. Can I edit a card request? You can edit the settings of a card only after you’ve approved it: the amount, the days of use or the authorized spending categories, for instance. You can also rename the card, for better management.

https://help.qonto.com/en/articles/5925694-how-can-i-approve-a-card-request

How can I add money to my account for the first time?

After creating your Qonto account, you have four different options for topping it up for the first time. They are available on all plans. Top up by card You can top up your Qonto account using a different bank card of yours or via Google Pay. The funds will appear on your account instantly. The minimum amount is 10 € and the maximum is 1 000 €. It is currently available on desktop only and it can be used only once per organisation. Your card details will be retained if you fail to pay your first Qonto subscription fee. ​ 💡 Only the holder will have access to the payment method and can delete it by going to Settings > Pricing & Billing > Payment Methods. Initiate an instant SEPA-in In case your current banks allows you to emit Instant SEPA transfers, you can top up your Qonto account by transfer in 10 seconds , any day of the week. Initiate a standard SEPA-in Standard SEPA transfers also work. It can take up to 2 to 3 days. Receive a payment You can download and share your IBAN details with a third party for instance with your customers and ask them to make their next payment into your Qonto account. ☝️ Good to know : You can add money to your account right after your contract has been signed. It will be available for you to use (e.g send money out of your account) once your account has been validated, it usually takes up to 5 to 6 hours from the account opening.

https://help.qonto.com/en/articles/5856645-how-can-i-add-money-to-my-account-for-the-first-time

Qonto cards payment and withdrawal limits

Qonto cards are personal and can be adapted to all member needs. The Admin of the Qonto account or the Manager (for their team) can limit the card payment and withdrawal capabilities of the members of his company. For more flexibility, these limits can be modified at any time from the section ‘Business Account’, click on ‘Cards’ . Any changes will be taken into account in real-time. Choose a card that suits your needs With a One card : Pay up to €20,000 and withdraw up to €1,000 per calendar month With a Plus card: Pay up to €40,000 and withdraw up to €2,000 per calendar month With an X card : Pay up to €200,000 per calendar month if you are enrolled SCA ( Strong Customer Authentication ) €60 000 per month if you haven’t activate your SCA . We strongly advise you to activate this strong authentification, following these steps : How to pair my phone with my Qonto account? Withdraw up to 3 000€ / month (💡If you are registered to a german account, you can benefit from higher withdrawal limits. Please klick here for more information) 👉 Once you receive your physical card, using your PIN code for the first time (physical payment or withdraw) will allow to fully activate your card in a secured way : The contactless payments The monthly payment limits above 20,000€ for PLUS and X card How to change the payment and withdrawal limits of a card?** During the card creation From the section ‘Business Account’, click on 'Cards' , click on Create card Choose between a physical card, virtual or Instant*card Then choose the payment and withdrawal limits of the new card in the Card settings section After the card creation Select the card that you want to change the limits in the Cards section. Click on Update in card settings Then, update your limits in the following window. Other options can be set up on your card. For more information, click here . * Available on Business (Advanced) and Enterprise Plans only

https://help.qonto.com/en/articles/4359592-qonto-cards-payment-and-withdrawal-limits

What are the different Qonto cards ?

Qonto provides physical and virtual Mastercard debit cards (you can have up to 5 of each if desired ). Qonto physical cards Our physical cards can be used immediately after creation for all kinds of payments, in-store or online ⚡️ More infos here . According to your subscription, it will include one or several free ONE cards. Check what your subscription includes right here . You can follow the steps to order your card right here . One Card Free according to your subscription or 5€/month (excl. tax) Mastercard Business Debit Pay up to €20,000 per calendar month Withdraw up to €1,000 per calendar month Unlimited and free payment in Europe 2€ (excl. VAT) / withdrawal 2% foreign exchange commission on non-euro payments (and no fixed fees) Produced from recycled ocean plastic Plus Card €8 / month (excl. tax) Mastercard World Debit Color customization: silver, black or purple Choose between embossed or printed cards Pay up to €40,000 per calendar month Withdraw up to €2,000 per calendar month Unlimited and free payment in Europe 5 free withdrawals then 2€ (excl. VAT) / withdrawal 1% foreign exchange commission on non-euro payments (and no fixed fees) Benefit from advanced card insurance. More info here Produced from recycled ocean plastic X Card €20 / month (excl. tax) Mastercard World Debit Benefit from a 0% foreign exchange commission on non-euro payments (and no fixed fees) Pay up to €200,000 per calendar month if you are enrolled SCA (Strong Customer Authentication) €60 000 per month if you haven’t activate your SCA . We strongly advise you to activate this strong authentification, following these steps : How to pair my phone with my Qonto account? Withdraw up to €3,000 for free, per calendar month (💡 If you are registered to a german account, you can benefit from higher withdrawal limits. Please klick here for more information.) Take full advantage of a concierge service available 7 days a week Access airport lounges Benefit from Qonto’s most exclusive card insurance. More info here ☝️ Good to know: To confirm the order of an X card, you need to first top-up your Qonto account through a simple bank transfer. Find how to do it right here . Qonto virtual cards The virtual card can be included in your package or charged 2€ (excl. tax) / month. They allow you to make online payments up to €20,000 per calendar month. Find out more about it here Qonto Online advertising cards Online advertising card are virtual cards specifically designed to help you manage your marketing campaigns across top ads platforms and merchants like Facebook Ads, Google Ads, and other. Find out more about it here Qonto Instant cards Instant cards are temporary virtual cards. They are ideal for teams’ one-off expenses. No need to share a card or pay out-of-pocket! Find out more about it here

https://help.qonto.com/en/articles/7895311-what-are-the-different-qonto-cards

How can I order my Qonto card ?

With your Qonto account, you can get different types of cards . Please note that only account holders, admins, and managers can perform this action. From the section ‘ Business Account ’, click on 'Cards' and ‘Create Card’ located in the top right corner : Choose the type of card that fits your needs Name the (future) cardholder Set the parameters of your card Set your payment and withdrawals limits Set days of use and spending categories (optional) Choose your delivery address (for physical cards). It will be selected by the person in charge of creating the card. Cards can be delivered to : The cardholder's personal address The company's headquarters A personalized address 🚨 Set the PIN code that will be the functional PIN for the use of your card. You can view your PIN at anytime. Confirm your order via your Qonto app or with the confirmation code sent by sms Your card has been ordered 🎉 ☝️ Good to know: For security reasons, a card order is finalized only when the PIN code has been defined by its owner. For more information on how to set your PIN code, please read the dedicated article : How do I set the PIN code of my Qonto card? No need to wait in order to use your card ! They are active right after their creation for online payments and physical ones through Apple Pay or Google Pay before receiving them physically. 👉 How to pay with my physical card before receiving it ? An employee can now submit virtual or Instant card requests from the web or mobile application to their team Manager, Admin or Owner.* 👉 How can I submit a card request? only for Business and Enterprise packages You can also read these articles to learn more : 👉 How do I activate my Qonto card? 👉 How long does it take to receive the card ? 👉 How do I manage my card's settings? 👉 How can I submit a card request?

https://help.qonto.com/en/articles/4359595-how-can-i-order-my-qonto-card

How to upload a SDD mandate on your web App?

SEPA B2B Direct Debits Sign the SEPA Direct debit B2B mandate provided by the creditor Log into your Qonto desktop App and upload it into the Direct debits section of your Business Account tab Complete the mandate information: the Unique Mandate Reference (RUM), Your Creditor SEPA Identifier (ICS) and Direct debit type (one-time or recurring) A SEPA Direct debit B2B cannot be disputed once executed. 💡If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone. ​ SEPA Core Direct Debits You don't have anything to do on your Qonto Account ! All you need to do is to provide your Qonto bank details to your creditor. You can download them anytime from your account. The creditor will be allowed to debit your account. ​ You can dispute a SEPA Core Direct debit if the amount that appeared in your account history seems to be wrong. ​ You can suspend or reactivate a direct debit at any time.

https://help.qonto.com/en/articles/6761793-how-to-upload-a-sdd-mandate-on-your-web-app

How to cancel a transfer request ?

For Business and Enterprise plan users , our Requests feature allows team members to initiate transfer requests on behalf of an Admin or Manager, who is notified and can approve or reject a demand in just a few clicks. If you want to cancel a scheduled transfer , go to the Transfers section of your Qonto app in the Business Account menu, click on the transfer to cancel, and then on Edit transfer . You will delete it by clicking on Delete transfer (at the bottom left of the page). When you want to cancel a transfer that is not planned and the request is still pending , you can quickly cancel it from the History section. Simply click on Cancel this transfer in the transaction details. Who can cancel a validated transfer request? Only the Admin of an organisation or the Manager of your team has the possibility to cancel a transfer. Have you made a transfer request which has been validated by your account Admin or Manager? If you want to request the cancellation of this transfer, contact your Admin or Manager, as soon as possible. I can't cancel a transfer request, why? In the cases listed below, transfers cannot be canceled from your app: From Qonto to Qonto Have you made a transfer to another Qonto account? This is an intra-bank transfer. They are free, unlimited and instantaneous. In fact, you do not have the possibility to cancel them from the interface. In case of error, we advise you to contact the beneficiary to request a refund or to contact us directly. The funds are already gone You have made a transfer to a bank other than Qonto and the Cancel transfer button is no longer available on your interface? You cannot cancel interbank transfers that are already in progress or those whose funds have already been transferred to the beneficiary's account. In case of error, we advise you to contact the beneficiary directly to request a refund. SWIFT transfers You can't cancel a SWIFT transfer. In case of problems, we advise you to contact the beneficiary to request a refund. ☝️ Good to know: Take a look at the different transfer status by clicking here . It can provide complementary information that could be useful in some cases.

https://help.qonto.com/en/articles/4359559-how-to-cancel-a-transfer-request

How do SEPA Direct Debits work?

The SEPA Direct Debit is a European payment system. It allows companies to settle and receive payments in European currencies from bank accounts domiciled within the 34 states of the SEPA zone and related areas. There are two types of Direct debits : SEPA Core Direct Debits are the most common. All you need to do is to provide your Qonto bank details to your creditor. Access this information anytime from the Direct debits section of your account. The creditor will be allowed to debit your account– you have nothing else to do! ☝️You can dispute a SEPA Core Direct debit if the amount that appeared in your account history seems to be wrong. SEPA Direct Debits B2B are mainly used by public institutions (DGFIP, URSSAF, SIE ...). To authorise the direct debit of a B2B mandate, you'll have to upload the information on your Qonto account. How do I keep a mandate active If I have switched from my old bank account to my new Qonto account? If you have switched bank account and you now hold a new Qonto account, you need to make sure to “move” your mandates. First you have to inform you payees about the new IBAN so they can change their orders, for this you can download and fill in the certificate below with the new details and send it to all your payees in order to allow them to proceed with the data transfer. For CORE mandates that should be enough, but for B2B your payee needs to deliver a new Mandate version and that’s the one you need to upload in your Qonto app. Bank account details for bank account Switch - Sepa Direct Debits (SDD)

https://help.qonto.com/en/articles/4359570-how-do-sepa-direct-debits-work

What's a mandate and how to get it?

What’s a SEPA mandate? A mandate is a document that you fill in to authorize the merchant to send instructions to debit your account. Several information have to be mentioned in this document : The title “SEPA Direct Debit Mandate”. The SCI (SEPA Creditor Identifier): it’s a number given to any merchant that is making SEPA direct debits. Merchant information: address, legal name or commercial name if different. The UMR (Unique Mandate Reference): it’s a code that identifies SEPA direct debits. 💡 A merchant has one SCI but multiple UMR. For example: You pay your Internet and mobile subscriptions to one provider. The provider has one SCI but it will debit your account with two different UMR, one linked to your mobile contract and the other to your internet contract. The legal mentions. How to get your mandate? B2B mandate You can download the B2B mandate from your professional account on the public authority website. For example, if you need to download a DGFiP mandate, you can log into your account here. The pre-filled B2B mandate is available under the section Manage my bank accounts ​ Core mandate They usually send it to you while you're subscribing. You just need to sign the form. You don’t need to upload the core mandate on your Qonto account.

https://help.qonto.com/en/articles/8041885-what-s-a-mandate-and-how-to-get-it

Can an employee make a SWIFT transfer request ?

Available to Business and Enterprise plan users , the Requests feature allows you to delegate the initiation of SEPA transfers to team members, while keeping their systematic validation by an Admin or Manager. ​ This validation system allows you to keep control of your company's expenses while giving greater autonomy to your employees. ​ However, at this time, user with an Employee role cannot make SWIFT transfer requests, i.e. transfers in foreign currency. This action is currently restricted to the Account holder, Admins and Managers.

https://help.qonto.com/en/articles/5028448-can-an-employee-make-a-swift-transfer-request

How to approve a transfer request?

For Business and Enterprise plan users , our Requests feature allows team members to initiate transfer requests on behalf of an Admin or Manager, who is notified and can approve or reject a demand in just a few clicks. This feature allows managers to stay in control of their company finances while giving more freedom to their team. How to approve a transfer request in Qonto? Log in to your Qonto app, from your desktop or your mobile Go to the Team Expenses tab in the main menu, then in the Request section. Once your team sent you a transfer request, the transaction remains in the Pending tab, waiting for your validation. Select a transfer request by clicking on it. You can now verify the transfer details. Approve or decline the transfer request accordingly. Buttons are displayed at the bottom of your screen. (NB: for the Manager role, the validation of this request will only be possible if the amount of the transfer does not exceed the limit per transfer / monthly limit defined by the Account holder or an Administrator) You’ll be able to comment on your decision if you choose to reject a transfer request. 💡 If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone

https://help.qonto.com/en/articles/4359560-how-to-approve-a-transfer-request

Can I import multiple beneficiaries at once to make a bulk transfer?

Importing beneficiaries in batch is a convenient feature when changing from a bank to another. Qonto allows importing up to 400 beneficiaries at the same time. How does it work? Download the following empty CSV file: qonto_import_beneficiaries_empty.csv Fill the CSV file with your beneficiaries, using Microsoft Excel or any other spreadsheet editor (Do not modify the first row) Open the file in the Qonto application Go to the Business account tab of your Qonto space Access the Transfers section Click the black + Make a transfer icon in the upper right corner of your screen Access the SEPA bulk transfers in euros section To add multiple beneficiaries at once, import a .CSV file Check the imported data and validate ⚠️ I get an error when uploading my file, what should I do ? Your file has to include the 3 columns below , separated by a semicolon (;). If it doesn't, you will get an error. (Please note that the file is in English, so it is not possible to modify or translate the column titles) NAME IBAN EMAIL DO NOT CHANGE THE COLUMNS NAME If it is correct, your file should like one of those two examples, don't forget to export into CSV type : ☝️ depending on the spreadsheet editor you have, you will have to fill either the 3 datas in every in 3 different columns either fill the 3 datas in one column separated by a semicolon (;) . (see examples) Regarding the values, only the following columns have to be filled in NAME, IBAN. The value for "EMAIL" can remain blank, it is optional. IBAN data must comply with the right format. In case of error, the confirmation screen will highlight beneficiaries for whom the parameter is wrong, so you get a chance to fix them. As soon as the information will be modified, you will be able to validate the export of your beneficiary list. NB: it's not possible for now to put in the files non-sepa accounts.

https://help.qonto.com/en/articles/4359572-can-i-import-multiple-beneficiaries-at-once-to-make-a-bulk-transfer

How to submit a transfer request?

For Business and Enterprise plan users , our Requests feature allows team members to initiate only SEPA transfer requests on behalf of an Admin or Manager, who are notified and can approve or reject a demand in just a few clicks . To submit a transfer request in euros, you need to fill all required information in the "Transfers" tab in the “Business account” of the main menu. Then click on the " Make a transfer" button on the top right side of your screen. You will have 2 choices : 1- Upload an invoice If you have an invoice, upload it right now! The system will gather information on the invoice whenever it is possible (beneficiary / iban, amount, reference), You will be able to modify any field, the account to debit, schedule a recurrence, send notification to the beneficiary, add bookeeping details. 2- I don’t have an invoice / Add transfer details If you don’t have an invoice, follow this steps: Go to SEPA transfers in euros Choose or add a new beneficiary Enter the information needed (account to debit / amount / category / reference) Scheduling and recurrence allows you to define the date you want the transfer to be emitted, or choose a frequency if you wish to make it recurring Attachment , if you want to add a supporting document to your transfer, or in case the amount exceeds 30,000 euros Beneficiary notification , in case you want us to send an email to the beneficiary with transfer details Bookkeeping details , which allows you to define beneficiary VAT rate, custom labels in case you have it in your price plan, and a note to remember what this transfer is about Once you submit a transfer request, Admins and Managers will be notified by email and push notification. ​ Managers with the Whole company scope will also be able to make or initiate transfer requests to pay invoices in the Supplier Invoice section. As soon as one of the Admins or Managers approves your pending request , it will be validated and executed the next morning. You will then be notified of the correct execution of your transfer by email. ​ In case of a change of plan or error, you can also cancel a transfer request (until your requests is approved by an Admin or Manager). NB: Managers can only validate a transfer request only if it is within its monthly/per transfer limit, previously set by the Account Holder or an Administrator. 💡 If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone.

https://help.qonto.com/en/articles/4359561-how-to-submit-a-transfer-request

How to generate a bulk transfer using a .CSV file?

You can initiate up to 400 transfers at once by uploading a .CSV file in your Qonto app. You will find a downloadable template at the end of this article. You can export a .CSV file from a simple Excel table. 💡 However, please ensure that your file includes these columns: beneficiary_name,iban,amount,currency,reference. They're all necessary for the execution of the transfer. To initiate a bulk transfer using a .CSV file, simply follow these steps : 1. On the left-hand side of your screen, click on Business Account section on your desktop webapp 2. Click on the Transfers tab 3. Choose the Bulk transfer in Euros option. 4. Click on the .CSV file box to chose CSV format 5. Download the . CSV template we prepared for you and complete it, making sure that you respect the following formats: Column Description Example beneficiary_name Name of the receiver of your payment. Maximum 140 characters. Supplier 1 iban Must be part of the SEPA scheme. FR76 0000 0000 0000 0000 0000 000 amount The amount you send to the beneficiary. Includes 2 decimals. 123.45 currency As of today, we only accept Euro transfers. EUR reference The note attached to the transfer. Up to 140 characters maximum. Invoice 123 6. Upload it to your Qonto app. You can drag & drop your file or click on the drag & drop zone to select it from your computer. 💡 If the format is incorrect, a red window will appear. 7. You can schedule your transfers and organize them in categories if necessary. 8. Check each transfer that appears at the bottom of your screen ; if everything's right, you can confirm your bulk transfer. 💡 If you realize there is a mistake after confirming it, do not worry: you can cancel a single transfer by going back to the Transfers section of your app and clicking on the right one. All the beneficiaries are then automatically saved in your beneficiary list. 💡 If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone. ⚠️ Make sure that: your file contains less than 400 transactions there is no missing field your file only contains operations in EUR your file does not contain an IBAN outside the SEPA scheme the beneficiary name or the reference are not too long your file does not contain any special characters (é, è, ¨, ^....) your account has been topped up before proceeding you do not invert any columns of your file, and respect the template downloaded ☝️ Depending on the accountant software you use, all your data can appear in one tab. You will need to separate each of them in several columns. If you are using Excel: Select the column with the data then go on the menu ➡️ Data ➡️ Convert Choose “delimited” Then specify the type of separation between each data (space, comma or other) Select the columns where the data should be moved Click on “finish” and it’s done ! If you are using Google sheets: Select the relevant column then click on the ➡️ Data tab ➡️ Split text into columns Choose the type of separation between each data (space, comma or other) Select the columns where the data should be put Hit “Enter” and voila!

https://help.qonto.com/en/articles/4359550-how-to-generate-a-bulk-transfer-using-a-csv-file

How to generate a bulk transfer using a .XML file?

You can initiate up to 400 transfers at once by uploading a .XML file that respects the ISO 20022 standard in your Qonto app. The documentation of this standard is downloadable at the end of this article. Most of the payments and accounting services (as PayFit) can automatically provide .XML files. To initiate a group transfer using a .XML file, simply follow the following steps. 1 - Create a new bulk transfer On the left-hand side of your screen, click on Business Accoun t section on your desktop webapp then on the Transfers tab. Choose the Bulk transfer in Euros option. 2 - Select the .XML format To initiate a bulk transfer, you can choose 2 different file formats: the .CSV one, or the .XML one. Just click on the .XML file box. 3 - Upload your .XML file once completed Once you downloaded the .XML file from your payment or accounting tool, you can upload it in your Qonto app. You can drag & drop your file or click on the drag & drop zone to select it from your computer. If the format is correct, this zone turns green. If not, it goes red. Here are the common errors you can do: your file contains more than 400 transfers, there is a missing field, your file contains one or several operations that are not in Euros, your file contains one or several IBAN that are not part of the SEPA zone, the beneficiary name or the reference is too long, forget the row with column names, you have to top-up your account before proceeding. 4 - Plan and organize your transfers You can schedule your transfers and organize them in categories if necessary. 5 - Verify and confirm Once you uploaded your .XML file on your app, you just have to check each transfer that appeared on the bottom of your screen. If everything's right, you can confirm your bulk transfer. If you realize there is a mistake after confirming it, do not worry: you can cancel a single transfer by going back to the Transfers section of your app and clicking on the right one. All the beneficiaries are then automatically saved in your beneficiary list. XML_template.xml 💡 If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone.

https://help.qonto.com/en/articles/4359551-how-to-generate-a-bulk-transfer-using-a-xml-file

What is a bulk transfer?

A bulk transfer allows you to schedule up to 400 transfers at once from your desktop. No need to initiate these transfers one by one anymore: for example, you can pay all your suppliers at the end of the week, or all your employees at the end of the month, in a few clicks. 💡Good to know: Sending instant transfers does not concern bulk transfers. You just have to group all your payments in one file. You can choose one of those two formats: the .XML one, or the .CSV one. The .XML format allows you to export your list of transfers directly from your accounting or payment tool, like PayFit. The full process is explained in this article . Using .CSV format, you just need a simple Excel table to create your file and upload it on your Qonto app. However, you have to follow the template we created for you. You can download it at the end of this article, or directly from your app. 💡 This feature is available only from the Solo Smart Plan.

https://help.qonto.com/en/articles/4359549-what-is-a-bulk-transfer

How much does receiving a SWIFT transfer cost?

Qonto is among the first business accounts to add receiving SWIFT transfers to its service portfolio. 🎉 We’re thrilled to support you as you grow your business internationally by offering you the option to receive, directly on your Qonto account, transfers in more than 50 different currencies, and from many countries. More information here : List of accepted currencies and unauthorized countries We’ve designed a unique pricing system for this service in order to provide you with lower rates than those offered by the traditional players on the market. This pricing includes three types of fees: Receipt fees Fixed fees (which are avoidable) Exchange fees (depending on who handles the funds conversion into euros) Keep reading for more details on what you pay (and to whom) and for tips on how to avoid certain fees. Receipt fees On all Qonto plans, a unique fee of €5 excluding taxes is applied to each SWIFT transfer received, in addition to the monthly cost of your plan. Fixed fees Unfortunately, we have no control over the fees that may be charged by the various banks responsible for sending the transfer to your current account and for converting the funds. These fees are added to the cost of the transfer directly and typically range from €10 to €50. These fees can be avoided, however, if your sender chooses the right option: When sending you a SWIFT transfer, the issuer (your client or partner) has three options: OUR, BEN or SHA. The chosen option is indicated on the proof of transfer (MT103), provided by the issuing bank. The SHA (shared) option : the fees are shared between the beneficiary and the sender of the transfer. The fees from the issuing bank are paid by the person sending the transfer. The intermediary and beneficiary bank fees are deducted from the transfer amount (and thus charged to the beneficiary). The BEN (beneficiary) option : The transfer beneficiary pays all the fixed fees, which are deducted from the transfer amount. The OUR option : this is the only option that ensures you pay zero fees, as they are all taken care of by the party sending the transfer. 💡 We recommend you to ask your client or partner to select the OUR option to ensure that you receive the amount you are expecting. Also, it’s better to specify this in your business contracts ! Exchange fees The exchange rate is calculated based on the interbank exchange rate. These exchange rates vary constantly. They're frozen during the weekend and banking holidays - when the markets are closed - but they can fluctuate drastically as of the beginning of the week and over the course of a single day. The exchange rate used to convert SWIFT transfers into euros is never the interbank rate. One of the banks (issuing, intermediary/intermediaries and/or beneficiary) converts the funds (for example, from USD to EUR) and charges a commission, which is calculated as a percentage of the interbank exchange rate. Although you have no control over the matter, you should know that two scenarios are possible: The issuing bank or one of the intermediary banks converts the transfer Qonto then receives the transfer in euros. Since the conversion has been completed beforehand, we have no control over the fees added to the exchange rate displayed on your screen. The beneficiary bank converts the transfer If the beneficiary bank receives the transfer in a currency other than euros, it will apply its exchange fees to convert the funds. When transfer funds need to be converted, Qonto entrusts this task to a correspondent bank rather than handling it directly. With our correspondent bank, we have negotiated a fee equal to about 2% of the interbank exchange rate. This is just an estimate. This rate may be higher or lower depending on the date, the transfer amount and the currency.

https://help.qonto.com/en/articles/4359547-how-much-does-receiving-a-swift-transfer-cost

I want to better understand why my SWIFT transfer was rejected, and if I will pay any fees related following this rejection

Qonto allows you to initiate SWIFT transfers to several countries around the world. This is thanks to our connection to the SWIFT network via a third-party provider who will be responsible for validating and executing your transfers. In some cases, your transfer may be rejected, and we are sorry for that. Our goal at Qonto is to communicate as clearly as possible the reason for the rejection in the email you receive. But sometimes, very little information is shared by our third-party provider. Here are some guidelines and principles to know about on SWIFT transfers, for two scenarios : The document(s) supplied is (are) not valid or does (do) not meet the criteria of our third-party provider ? Learn more about the 📔 documentation requirements for SWIFT transfers on this link . 💵 We will endeavor to reimburse you for the transfer fees charged, in cases of rejection that we deem beyond your control… …but we will not reimburse fees in the following scenarios: When the documentation provided at the outset is unquestionably invalid When the beneficiary initially indicated on the application does not correspond to that on the invoice or contract When you are the originator of the request to cancel the transfer When the transfer is returned to us by the beneficiary bank Has your transfer been rejected, and no clear reason has been provided to you ? There are a number of cases in which it will not be possible to execute your transfers: Rejection for regulatory reasons, by our external partner or the beneficiary bank Insufficient funds to process the payment, as there may be charges on the SWIFT network Incorrect or incomplete account information Finally, it is also possible that the beneficiary bank or the intermediary banks in the SWIFT space have not provided a reason. To find out more about SWIFT transfers, click here .

https://help.qonto.com/en/articles/8194663-i-want-to-better-understand-why-my-swift-transfer-was-rejected-and-if-i-will-pay-any-fees-related-following-this-rejection

SWIFT transfers - My beneficiary received a different amount than I sent to him.

In the majority of cases, your beneficiary will receive the exact amount you have sent to him from your Qonto account. However, in very rare cases of SWIFT transfers, the amount received may differ from the amount sent. In fact, SWIFT transfers are sent to your beneficiary via our partner in SHA mode ("shared costs" - the market standard). The receiving bank or/and intermediary bank(s) may choose to charge a transfer fee. These will then be either: Charged separately, to the beneficiary's account Imputed directly on the amount of the transfer For example, if I send $1,000 to the United States, and the receiving bank or/and intermediary bank(s) charges a $15 international transfer fee, then the transfer recipient: Can be charged $15 of reception fees, or May receive only $985 of the $1,000 sent This second case is again quite rare, but possible in some less common banks. In these cases, it is sometimes wise to inquire about these fees from your supplier, before making your SWIFT transfer.

https://help.qonto.com/en/articles/4359563-swift-transfers-my-beneficiary-received-a-different-amount-than-i-sent-to-him

How can I receive a SWIFT transfer?

Qonto allows you to receive transfers from most countries worldwide, in various currencies, using the SWIFT network (Society for Worldwide Interbank Financial Telecommunication). What does this mean? 🤔 With Qonto, your US customers can pay you in dollars (USD), your Japanese partners can pay you in yen (JPY), and you can receive currencies like zloty (PLN) from Canada or rupee (INR) from Mexico. Of course, you can also receive euros! Which currencies and countries are supported? 👉 See below! Receiving Time ⏱ SWIFT transfers are typically credited to your Qonto account within 5 business days (excluding weekends and banking holidays). The exact timeframe depends on factors such as time zone differences, transfer creation time, issuing currency, and the sender's bank. Please note that single SWIFT transfers are subject to specific checks based on the country of origin and the transfer amount. We may contact you for additional information before crediting the funds to your account. How does it work? 🤓 To share your bank details: Go to Business account > Transactions, then click on Account details Click on Account details Download your bank details, including your IBAN, BIC, and BIC Intermediary Bank IBAN: FR7616958000 ... BIC: QNTOFRP1XXX BIC Intermediary Bank: TRWIBEB3XXX 💡As a new player in the financing system, we have partnered with Wise transfer to ensure the smooth reception of your SWIFT transfers. When receiving a SWIFT transfer, please ask your clients to mention the BIC of our intermediary bank, Wise, in addition to Qonto BIC. Please note that while we handle the reception of transfers in various currencies, your Qonto account can only receive funds in euros . Any amounts received in foreign currencies will be automatically converted to credit your account. For more information: How much does receiving a SWIFT transfer cost? List of accepted currencies ✅ (incoming SWIFT transfers) AED United Arab Emirates dirham AUD Australian dollar BGN Bulgarian lev CAD Canadian dollar CHF Swiss franc CNY Renminbi, Chinese Yuan CZK Czech Koruna DKK Danish krone EUR Euro GBP Pound sterling GHS Ghanaian cedi HKD Hong Kong dollar HUF Hungarian forint ILS Israeli Shekel JPY Japanese yen KWD Kuwaiti dinar MXN Mexican peso NOK Norwegian krone NZD New Zealand dollar OMR Omani rial PEN Peruvian Sol PLN Polish złoty RON Romanian leu RSD Serbian dinar SAR Saudi riyal SEK Swedish krona SGD Singapore dollar TRY Turkish lira USD United States Dollar XAF Central African CFA Franc XOF West African CFA Franc ZAR South African rand ZMW Zambian kwacha List of unaccepted countries ❌ (incoming SWIFT transfers) In addition, there is a list of countries from which SWIFT transfers are not accepted for regulatory reasons. 👉 If the address of the issuing bank or the emitter, comes from one of these sensitive countries, it will be returned to the issuing bank within 5 business days . Afghanistan Anguilla Azerbaïdjan Bahamas Belarus Botswana Burundi Cayman Islands Central African Republic Congo Republic Crimea Cuba Democratic People's Republic of Korea (North Korea) Democratic Republic of the Congo Donetsk Eritrea Iraq Islamic Republic of Iran Kyrgyzstan Libya Luhansk People’s Republics Macao Mongolia Myanmar Nauru Nicaragua Pakistan Palau Palestine, State of Panama Philippines Russia Saint Kitts and Nevis Somalia South Sudan Sudan Syrian Arab Republic Tchad Trinidad and Tobago Uganda Vanuatu Venezuela Virgin Islands, British Virgin Islands, U.S. Yemen Zimbabwe

https://help.qonto.com/en/articles/4359548-how-can-i-receive-a-swift-transfer

Why can't I execute SWIFT transfers?

Here are the main reasons that can explain why our third-party service provider doesn't accept your SWIFT transfers yet: Your company is not yet validated . When the onboarding process will be validated by our team you will be able to get access to the feature. Your company was recently registered . Thus, all the required information isn't publicly available yet, including your industry activity (ex. for French companies, your NAF/APE code). We automatically check for your industry activity on public databases several times a week, so your account should be granted access quickly. A representative of your company has requested that its information should not be made available on public databases . If you fall into this case, please reach out to our customer support to provide the required information privately. We will update your company information in our system, so you can get instant access to non-euro transfers. Your company has several Qonto accounts . Our third-party service provider’s internal processes / API makes it so that they do not currently support more than one account per company. The feature is active only for the first account you created for your company with us. 💡For German administration forms, the feature can be unavailable if you haven’t submitted the registration information . Our team will check if your company complies with the criterias of our third party provider to allow you to make swift transfers. ​ If you still cannot make SWIFT transfers, please contact our Customer Support team on our chat, they will handle your request and resolve it as soon as possible. ​ To learn more about non-euro transfers, click here .

https://help.qonto.com/en/articles/4359565-why-can-t-i-execute-swift-transfers

When can I submit SWIFT transfers?

You can submit SWIFT transfers at anytime while international financial markets are open, in accordance with the terms and conditions of this article . When are they closed? Normal weekends (Saturdays, Sundays) E.U. and International banking holidays ​ ex: It won’t be possible to send money to Japan if it’s a Japanese holiday If you are sending USD, U.S. holidays apply ​ ex : It won’t be possible to send USD to Sweden if it’s an US Holiday 👆 Good to know : During Night hours some currencies may temporarily not be available. What should I do if this is the case? If you try to make a SWIFT transfer while markets are closed, you may be blocked. If that is the case, we recommend you try again on the next business day during business hours (9am-7pm).

https://help.qonto.com/en/articles/4359566-when-can-i-submit-swift-transfers

How can I submit SWIFT transfers?

Qonto allows you to make transfers from most countries in the world, in most currencies, via the SWIFT network (Society for Worldwide Interbank Financial Telecommunication). What does that mean? 🤔 It’s possible to send Zlotys (PLN) to Spain, or Yens (JPY) to Belgium. You can, of course, also send US Dollars (USD) to the United States, or Sterling Pounds (GBP) to the United Kingdom. Your choice. However, it’s not possible to send Euros (EUR), to the United States for example. On the other hand, it is possible to make transfers in the SEPA zone, in Euro, by following the SEPA transfer procedure . 👉 See below In which currencies and to which countries ? What is the fee? The fees for SWIFT transfers applied will be as follow : 5€ for ALL PLANS and decreasing percentage according to the plan you chose. Solo - Basic: 1% Solo - Smart: 0.9% Solo - Premium: 0.8% Team - Essential: 1% Team - Business: 0.75% Team - Entreprise: 0.5% 💡 Good to know: the exchange rate indicated will in most cases be the rate applied to the transaction, but in rare cases it may be a different rate. It can also happen if you delay in validating the transfer or if a request for information is sent to you by our Compliance department. What's the receiving time? ⏱ The time to receive a SWIFT transfer is 5 business days . There is no bank exchange on weekends, or during public holidays and interbank closures. Different time zones can also affect the delay of transmission and reception of the transfer. 👆 Good to know: SWIFT transfers can be submitted during markets open hours only. This means that most of banks don’t process transfers during weekends and bank holidays. In a case of SWIFT transfers, please keep in mind that you have several holidays around the world, where banks are not working. Your transfers will be processed the next open day during markets open hours. ​ At this day, your Qonto account does not allow you to transfer currencies to individuals abroad. In case you want to pay an individual, please provide a contractual agreement that highlights the payment purpose. Your transfer might be declined if supporting documentation is not provided, and the euro equivalent might be affected when we credit back your account. List of accepted currencies ✅ (outgoing SWIFT transfers) AUD Australian dollar AED United Arab Emirates Dirham BHD Bahraini Dinar CAD Canadian dollar CHF Swiss franc CNY Chinese Yuan (Renminbi) CZK Czech Koruna DKK Danish Krone GBP Pound sterling HKD Hong Kong dollar HUF Hungarian forint ILS Israeli Shekel JPY Japanese yen NOK Norwegian krone NZD New Zealand dollar PLN Polish złoty RON Romanian leu SAR Saudi Riyal SEK Swedish krona SGD Singapore Dollar THB Thaï Baht TND Tunisian Dinars TRY Turkish Lira USD United States Dollar ZAR South African Rand List of accepted countries ✅ (outgoing SWIFT transfers) Australia Austria Bahrain Belgium Bolivia Bulgaria Cameroon Canada China Croatia Cyprus Czech Republic Denmark Egypt Estonia Finland France Germany Greece Hong Kong Hungary Ireland Israel Italy Ivory Coast Japan Jordan Kuwait Latvia Lithuania Luxembourg Mali Malta Morocco Netherlands New-Zealand Norway Oman Poland Portugal Qatar Romania Saudi Arabia Senegal Serbia Singapore Slovakia Slovenia South Africa Spain Sweden Switzerland Thaïland Tunisia Turkey United Arab Emirates United Kingdom United States How can I initiate a SWIFT transfer? 💻 On your web app Go to the Business Account section Click on the Transfers tab and click on Make a transfer Select International transfer in foreign currency In case you have several accounts, select the one you want to debit ; Select a beneficiary or enter the information about a new beneficiary : complete name as indicated on the RIB (name/first name / company name), IBAN, VAT rate, Category or Associated labels, etc. We will save this beneficiary automatically so that you won't have to create it again. Select Bank country and Currency Enter the transfer reference and amount Add an Attachment such as a bank statement or an invoice, so the transfer can be verified 📱 On your mobile app Go to the Menu section Click on Transfers Click on the + symbol on the top right corner You will have 2 choices: add an invoice add the transfer details 💡 Once you have validated your transfer, if you realize that you have made an error with the beneficiary, a simple modification will not be sufficient (our system will not take it into account). It is necessary to cancel the transfer (contact our support if necessary), delete the beneficiary from your list, and create a new one. You can then make your transfer by choosing the updated beneficiary. You have other options in order to personalise your transfer. Click on the toggles of the following options you want to use: Beneficiary notification , in case you want us to send an email to the beneficiary with transfer details Bookkeeping details , which allows you to define beneficiary VAT rate, custom labels in case you have it in your price plan, and a note to remember what this transfer is about Click on Continue Take a last look on the transfer details, and click on Submit You will probably be asked to confirm the operation with you mobile phone ​ 💡 Please keep in mind that a minimum amount will be necessary in order to execute some swift-out transfers, around 10€ for all currencies / 36€ for Kenyan Shillings.

https://help.qonto.com/en/articles/4359568-how-can-i-submit-swift-transfers

How to choose a reason of transfer to send money to Bahrain, Jordan and UAE?

Qonto allows you to submit SWIFT transfers to Bahrain, Jordan and the United Arab Emirates as long as you specify the reason for sending money to these countries. This is a mandatory requirement set by their governments, but we will help you find the correct reason of payment for your transfer. Keep in mind that Qonto does not support all types of SWIFT transfers, so if you can't find a reason of transfer that matches your payment in the information below, this means it is not supported by us today. If you are in doubt about which reason of transfer to select for your specific payment, we advise you to contact your beneficiary to confirm it before submitting the transfer. Bahrain The reason of transfer supported by Qonto are the following: Reason of Transfer Description AFL - Paying from a non-resident bank account Transfers and payments from a non-resident to a bank account in Bahrain CHC - Donations to charities Donations such as humanitarian aid and contributions to NGOs FIS - Financial services Fees and payments related to financial services that were provided to you GDE - Goods exports Payments related to goods imported by you (exported by the beneficiary). GMS - Repair and maintenance services Services related to processing, assembly, labelling, packing, maintenance and repair IFS - Marketing and media services News agency services, database services, and related media services INS - Insurance services Payment related to insurances on goods, life, travel, reimbursement, etc ITS - Information technology services Hardware and/or software-related services and data-processing services PMS - Professional consulting services Legal services, accounting, management consulting, public relations, advertising, market research, etc PPL - Purchasing real estate Use it to pay for a real estate in Bahrain as a nonresident PRS - Cultural, audiovisual and entertainment services Education services, health services, heritage and recreational services, etc RDS - Research and development services Basic and applied research, experimental development of new products, etc SCO - Construction services For payments related to the creation, renovation, repair or extension of buildings STR - Travel Travel-related payments such as business travel, travel agents fees, hotels, etc TCS - Telecommunication services Related to business network services, teleconferencing, broadcasting, satellite, television cable, and more TTS - Technical, trade-related and other business services Includes architectural services, waste treatment, agricultural and mining services and others not included elsewhere Jordan The reason of transfer supported by Qonto are the following: Reason of Transfer Description 0101 - Paying invoices Payment related to purchases 0102 - Paying utility bills Related to utility bills, such as telephone, water, electricity and internet 0109 - Saving and funding account Transfers to your own account in Jordan for saving and funding purposes 0203 - Paying private sector salaries Salaries, bonuses and incentives of private sector employees 0404 - Travel Travel-related payments such as business travel, travel agents fees, hotels, etc 0602 - Goods exports Payments related to private sector exports 0604 - Goods imports Payments related to private sector imports 0801 - Telecommunication services Payments related to telecommunication services provided to you 0802 - Financial services Payments for services provided by internal audit companies, accounting firms, tax authorities, etc 0803 - Information technology services Expenses related to IT services provided to your company 0804 - Professional consulting services Expenses related to consulting firms 0805 - Construction services Expenses related to construction work 0806 - Repair and maintenance services Expenses related to industrial maintenance and assembly services 0807 - Marketing and media services Expenses related to advertising and marketing 0808 - Mining services Expenses on mining and related services 0809 - Medical and health services Medical treatment, pharmaceuticals and related expenses 0810 - Cultural, audiovisual and entertainment services Cultural, educational and entertainment services 0811 - Paying rent or property expenses Lease expenses of real estates, vehicles, machineries and other related expenses 0812 - Purchasing real estate Transfers of real-estate purchase United Arab Emirates The reason of transfer supported by Qonto are the following: Reason of Transfer Description AFA - Paying from a resident bank account or deposit abroad Transfers and payments from a bank account or deposits outside the UAE (residents) AFL - Paying from a non-resident bank account Transfers and payments from a non-resident to a bank account in the UAE CHC - Donations to charities Donations such as humanitarian aid and contributions to NGOs. Does not include loans. FIS - Financial services Financial charges that don't require special calculation, such as account charges, fees for services, etc GDE - Goods exports Payments related to goods imported by you (exported by the beneficiary). GDI - Goods imports Related to goods imported by the beneficiary. GRI - Government income taxes, tariffs and capital transfers Tariffs and taxes payable to the UAE government ITS - Information technology services Hardware and/or software-related services and data-processing services LLA - Loans repayments or loans for non-residents Use this to repay loans given to you by residents in the UAE PMS - Professional consulting services Legal services, accounting, management consulting, public relations, advertising, market research, etc PPL - Purchasing real estate Use it to pay for a real estate in the UAE as a nonresident RNT - Paying rent or property expenses Use it to pay for rent on property or other expenses STR - Travel Travel-related payments such as business travel, travel agents fees, hotels, etc TCP - Paying for goods and services in advance Trade credits and advances to suppliers in the UAE UTL - Paying utility bills Related to utility bills, such as telephone, water, electricity and internet

https://help.qonto.com/en/articles/7222028-how-to-choose-a-reason-of-transfer-to-send-money-to-bahrain-jordan-and-uae

Which document do I need to provide to make an international Swift transfer?

When you create a new transfer, you need to justify the transaction by uploading a document. This is necessary for all Swift transfers because these transfers are exposed to a higher level of risk and we need to verify them. Before setting up a new transfer, it’s a good idea to have your document already at hand (e.g. as PDF, PNG or JPEG). Which kinds of documents can justify a transfer? Generally, we accept two types of documents: Invoices Contracts Depending on your transfer purpose, the provided document may differ. Typical documents that we accept are supplier invoices, signed sales agreements, payslips, proof of payments or rental contracts. How do I know my document is valid? The invoice is issued to your company, and your company is the recipient of the services/ goods On contracts, your company's name and legal information are shown (full official names, country of registration, registration number is a plus) The recipients’s name and bank account details in the document match the beneficiary details in Qonto The positions of the invoice indicate a clear value/purpose The invoice must be dated within 3 months The contract is signed by both parties If the beneficiary is an individual entrepreneur, it is necessary to add a contract justifying the transaction ⚠️ We cannot accept handwritten invoices or blurry pictures. ⚠️⚠️ If the provided document is invalid, the transfer will be rejected and the money will be returned to your account which may take 3-5 days.

https://help.qonto.com/en/articles/6884975-which-document-do-i-need-to-provide-to-make-an-international-swift-transfer

What is the difference between a SWIFT transfer and a SEPA transfer?

The SEPA network (Single Euro Payment Area) makes it possible to send euros within the European Union. This network also includes the 4 EFTA countries (Iceland, Norway, Liechtenstein, Switzerland), 4 microstates (Andorra, Monaco, San Marino, Vatican), and the United Kingdom. The SWIFT network (Society for Worldwide Interbank Financial Telecommunication) makes it possible to send single non-euro transfers anywhere in the world. They are also referred to as “non-SEPA zone” transfers. This means that you can send transfers and also receive transfers , to/from many countries in the world and in several currencies. Unlike with the SEPA network, banking institutions must pay to access the SWIFT network. Qonto is connected to both SEPA and SWIFT networks.

https://help.qonto.com/en/articles/4359546-what-is-the-difference-between-a-swift-transfer-and-a-sepa-transfer

What is my Transfer limit ?

Instant SEPA transfers You can create instant SEPA transfers of up to €30,000. If your transfer is over €30,000 or your beneficiary cannot be reached via instant SEPA transfers, it will be carried out like a traditional transfer. Standards SEPA transfers You can create SEPA transfers without any amount limits to your beneficiary. If your transfer is greater than €30,000, you will be required to provide proof of payment as an attachment. 💡 To save time in your accounting, we advise you to add proof of payment for each transfer emitted.

https://help.qonto.com/en/articles/6887101-what-is-my-transfer-limit

You think you are facing a commercial dispute, what should you do?

You have made a transfer following a commercial agreement with a third party, you have not received the goods and you have not heard from your partner. 👉🏻 Are you a Qonto customer? You have made a transfer to one of your partners and they have not fulfilled their part of the contract and are no longer responding to you: First of all , you need to file a complaint as soon as possible Once you have received the report, contact our customer service, which will initiate the request for the return of funds as soon as possible ☝️ The request for return of funds must be made within 13 months after the execution of the transfer. 👉🏻 Not a Qonto customer? If you have made a transfer to a Qonto customer, and the latter has not honoured his part of the contract and is no longer responding, we invite you to send us the account information so that we can make the necessary arrangements. If you have already filed a complaint, the competent authorities will contact us to continue the investigation. If you have not done so, we advise you to do so as soon as possible and to inform your bank of the situation.

https://help.qonto.com/en/articles/5258786-you-think-you-are-facing-a-commercial-dispute-what-should-you-do

My Qonto IBAN is not recognised by another bank, what's wrong?

A few traditional banks operate with outdated IBAN databases. As a result, while making a transfer to your Qonto account, you might receive an error message claiming that your IBAN (or the BIC / SWIFT code) is not valid. In that case: enter your BIC without the final x3 "X" ( ex: QNTOFRP1 ) get in touch with the bank's Customer Support Team and ask for the addition of your Qonto IBAN to the database And if it doesn't work (again)? We'll help you find a solution. Please send us a message with the following information: A short description of the problem: what was the action you've tried to perform and what was the error message (a screenshot would be much appreciated) The name of the bank involved The IBAN or account number of the issuer's account The transaction concerned: time, reference and amount. We'll then find the best way to solve this issue.

https://help.qonto.com/en/articles/4359580-my-qonto-iban-is-not-recognised-by-another-bank-what-s-wrong

My outgoing transfer was returned to me, why?

It may be that the beneficiary bank returns a transfer under certain conditions. Indeed, some banks (especially Neobanks) are particularly vigilant to receive a transfer (N26, Compte-Nickel, HelloBank, Revolut ...) So, make sure to follow that conditions: - The name of the beneficiary must be exactly the same as on the RIB If you mention that the transfer is for the company "Qonto", make sure that the company name match the name on the RIB. The transfer can be returned for this reason. - The reason for the transfer must be clearly identifiable The reference of a transfer is a vital information for compliance service. Thus, a transfer denominated "invoice" can be returned. In this case, we advise you to clearly indicate the invoice number. Same remark for salaries, we advise you to inform the month and the year of the salary in question. - The IBAN must be correct ☝️ Good to know: take a look to the different transfer status by clicking here . It can provide complementary informations that could be useful in some cases. The beneficiary's account has been closed? The beneficiary may have closed his account. In this case, we invite you to contact him. In case of rejection of your transfer by the beneficiary bank, the transfer is credited to your account within 6 to 8 business days (delays may apply).

https://help.qonto.com/en/articles/4359562-my-outgoing-transfer-was-returned-to-me-why

What is a recalled transfer?

A recalled transfer refers to a situation where the emitter bank requests the cancellation of a previously executed transfer. What are the conditions for a recalled transfer? Incorrect amount or IBAN: If the Account Holder entered the wrong amount or provided an incorrect IBAN during the transfer. Multiple accidental executions: If the transfer has been mistakenly executed multiple times. How does it work? When the emitter bank wishes to cancel a transfer that has already been credited, our team conducts a thorough analysis. Each recall request must be validated by a Qonto account Admin before it can be executed. Without validation, the transfer will not be canceled, and the emitter will not be refunded. In the event of a fraud suspicion In cases where the emitter bank reports a suspicion of fraud, our team will investigate the situation and approve the cancellation of the transfer if necessary.

https://help.qonto.com/en/articles/4470925-what-is-a-recalled-transfer

Can I cancel my transfer?

After validating a transfer, the Admin still has the possibility to cancel it directly from the app (mobile and web) under certain conditions. Scheduled transfers You can schedule transfers to be executed at a specific date. If your transfer hasn't been executed yet, you can edit it or delete it. Once deleted, your transfer won't be initiated ever again. 👉 If the scheduled transfer is created through the Supplier Invoices section, the invoice related to this transfer will appear in the “ Scheduled Payments” tab of the section. Recurring transfers A recurring transfer is scheduled to be executed every week or month. As long as the transfer appears in the upcoming transfers and it is not the day of its occurrence, you can delete it: Select the desired transfer, a box will open on your right Click on the ' Cancel ' button in red Pending orders It's a transfer that has been validated but not executed yet. You still can edit or cancel this transfer (under some conditions). ☝️ Good to know: Have a look at this article to know how to cancel one of these transfers. What is the cancellation deadline? Every time that you make a transfer to a beneficiary who has an account with another bank, Qonto stores this information before sending it to Crédit Mutuel Arkéa (this is where your funds are secured). Transfer requests are communicated three times a day to ensure that your transactions are processed quickly. Once Crédit Mutuel Arkéa collects the information, the transfer is already in progress. You can cancel your transfer by yourself as long as Qonto has not asked Crédit Mutuel Arkéa to initiate the fund's movement to the beneficiary's bank. This time can vary from a few minutes to a few hours depending at the time the transfer has been validated. ✌️ Good to know: Take a look at the different transfer status by clicking here . It can provide complementary information that could be useful in some cases.

https://help.qonto.com/en/articles/4359554-can-i-cancel-my-transfer

INTERBANK CLOSURE DAYS 2024

What are public holidays and interbank closures? These are exceptional days which have a direct impact on your banking transactions and extend the execution delays of your transfers. ​ What are the days of interbank closures in 2024? From one year to the next, the public holidays impacted by interbank closures vary. Here are the interbank closing days in 2024: Monday January 1st (New Year's Day) Friday March 29 (Ascension) Monday April 1st (Easter Monday) Wednesday May 1st (Labor Day) Wednesday December 25 (Christmas) Thursday December 26 (day after Christmas) 🌟In case of emergency, you will still be able to send and receive instant transfers on these days! Holidays not impacted by interbank closures Your transfers will be executed normally: Wednesday May 8 (Victory Day) Thursday May 9 (Ascension) Monday May 20 (Pentecost Monday) Tuesday August 15 (Assumption) Friday November 1st (All Saints’ Day) How to anticipate this exceptional situation? Standard transfers created on these days will be scheduled and executed the following business day. Note that instant transfers are available 7 days a week and allow you to pay your beneficiary within 10 seconds! ​ 💡Make your standard transfers as early as possible in the preceding week before 10:30 a.m. so that they are executed the same day. What if I’m sending overseas? If you are sending via the SWIFT platform, your ability to effect an international transfer may be subject to local banking holidays in the country you are sending to. Please see this article for more information .

https://help.qonto.com/en/articles/4359567-interbank-closure-days-2024

Can I add a proof of payment after creating a transfer ?

When you create a transfer you have the option of attaching a receipt. Moreover, the addition of a receipt may be mandatory for legal reasons in order to proceed the execution of the transaction. Keep in mind that it is never too late to link a document to your transaction ! Processed and processing transfers: By going to your "history" tab in your Qonto space or mobile app, you can add your receipt 🙂 ➡️ Click on your Business account section on your Qonto account ➡️ Go to the Transactions tab ➡️ Select the transfer ➡️ Then upload the proof of payment you need to add 🙂 Scheduled transfers Until your transfer hasn't turn into the "processing" status, you still can add a receipt by going to your "transfer" in your Qonto account on your desktop or your mobile app. ➡️ You will have to go to your "Transfer" section on your Qonto account : ➡️ Select the transfer and click on "Edit" ➡️ Then upload the proof of payment you need to add 🙂 ☝️ Make sure that you have a clean and readable document. Et Voilà, your receipt has been added! However, if you are unable to make the change, please do not hesitate to contact us via the chat to assist you.

https://help.qonto.com/en/articles/5953735-can-i-add-a-proof-of-payment-after-creating-a-transfer

Which document do I need to provide to execute a transfer ?

To simplify your accounting, Qonto allows you to attach invoices to all of your transactions. When you initiate a new transfer, you need to justify the transaction by providing a document to execute it. Before setting up a new transfer, make sure that you have a digital version or a picture of the document. Which kinds of documents can justify a transfer? Accepted documents depend on the transfer purpose. The most common are: Transfer type Documents Paying a supplier, a professional An invoice composed of the following information: emitter, company name, amount, and IBAN. Paying your employees A payslip or IBAN Paying your CEO salary An IBAN and/or the written record of the general assembly, if applicable Return money to a business partner A proof of payment and/or a written record if applicable Initiating a transfer to an individual beneficiary A sales announcement, a car registration certificate in case of a purchase, a deed of assignment, an IBAN For international transfer : Kbis + contract Initiating a transfer to regularize a tax situation Any official document provided by one of these public institutions Paying for a rent A lease, an invoice or a rent receipt Acquisition of a real property A sales agreement signed by both parties Investing money A contract, the general assembly written record, or a notarial act Transferring funds from one account to another (same company) The IBAN of the beneficiary bank, in the company's name How to add documents? Go to the Business Account section Click on the Transfers tab Click on the transfer you want and go to the Upload document section at the bottom. Upload the document you have chosen. You also have the option to Modify transfer , and add any information or document that is necessary for its execution. Or Go to the Purchases section Then select Supplier Invoices tab Look in the To pay Tab the differents invoices uploaded attach the invoice to an existing transaction or created a payment

https://help.qonto.com/en/articles/4359555-which-document-do-i-need-to-provide-to-execute-a-transfer

How to make an instant transfer in euros?

An instant transfer is a transfer that takes place in a few seconds, unlike a standard transfer that can take up to 3 business days to be received. And most importantly, this type of transfer works every day, at any time, even on holidays. For your transfer to be instant, it has to meet two main conditions: t must take place within the SEPA zone ( which differs from the Europe zone ) it should not exceed 30,000 euros. If you send cash to a supplier on a Saturday, for example, this supplier sees the cash on his account within seconds. At Qonto, sending and receiving instant transfers is free of charge, up to the number of free transfers included in your plan . ☝🏻 Please Note: Transfers between Qonto accounts are free of charge, so no additional fees will be charged to your plan for any transfer of this kind. ☝🏻 In some cases, the instant transfer option will not be possible, you will need to send it as a standard transfer. 🙏🏻

https://help.qonto.com/en/articles/6263910-how-to-make-an-instant-transfer-in-euros

Why was my transfer declined?

If your transfer was declined, we recommend to follow these steps: Please check if there's enough money in your balance to process this transfer Make sure that you select the right operation type (single euro transfer or single non-euro transfer) Make sure that the name of the beneficiary you have registered matches exactly the one indicated on the RIB For regulatory reasons, we may not have been able to complete the transfer Do not hesitate to contact our Customer Support Team for more information.

https://help.qonto.com/en/articles/4359578-why-was-my-transfer-declined

How to download a proof of transfer ?

It is possible to download a proof of transfer directly from your Qonto interface, in case of request for a proof by a third party, for example. ☝️ Good to know: Downloading a proof of transfer is available to Account Owner , Admins, and Managers with the appropriate permissions . ​ Managers without permissions or Employees will not be able to download proofs of transfer, they must contact an Admin or the Owner. Managers who can directly make transfers, not just transfer requests, will be able to download proofs of transfers for the ones they initiated themselves. To download the proof of transfer, go to your Business Account section webapp (desktop only), in the " History " tab. Find the transfer for which you want a proof of transfer and click on it. In the side panel, click on " Download proof of payment " to download the document as below. Note: This document can be downloaded only if the transfer has been executed .

https://help.qonto.com/en/articles/4359564-how-to-download-a-proof-of-transfer

What are the different status for an outgoing transfer?

Each transfer (or transfer request) made has a status that allows a real-time follow-up. " Pending " 📁 You've probably just created your Qonto account, and it has not yet been verified by our team. The transfer will be executed as soon as it's done. In the meantime, you can always modify or cancel the transfer. " Scheduled " 📆 The transfer is scheduled and will be executed later. As long as the transfer is not labeled "in progress", you can still modify or cancel it. " In progress " ⌛ The transfer is taken into account, but has not impacted your balance yet. In other words, the amount has not been sent. In some cases, you can still modify or cancel the transfer, if it has not been executed . " Sent " ✅ The transfer has been executed, and the funds have been sent out. It is impossible to cancel it at this stage (we advise you to contact the beneficiary directly if necessary). " Declined by Qonto " ❌ There are several reasons why we may have to reject a transfer. For example, the beneficiary's account may have been deleted. Do not hesitate to contact our customer service, our agents will be able to give you more information. " Canceled " ↩️ You canceled the transfer before it was executed. Your account balance will therefore not be impacted.

https://help.qonto.com/en/articles/4359575-what-are-the-different-status-for-an-outgoing-transfer

When will the beneficiary receive my transfer?

With Qonto, transfers are instant by default, and so received within 10 seconds after they've been sent. If your instant SEPA fails, you may have the possibility to chose and send a standard SEPA transfer instead. SEPA transfers are usually received within 24 to 48 business hours after they’ve been sent. Sending date depends on the type of transfer you're making: Instant SEPA transfers are sent and received within 10 seconds. Euro standard SEPA transfers made before 10:30 AM are sent the same day (business day) Euro standard SEPA transfers made after 10:30 AM are sent the following business day Non-euro SWIFT transfers are sent within 5 business days Please make sure that you have a sufficient balance to process your transfer to avoid any rejected transfers. If your account has been debited, but your beneficiary has not received their funds : immediately for an instant transfer after 48 business hours for a standard transfer Step 1: Check your mailbox, if you have not received any information request from Qonto regarding the transfer, if so, respond to it. Step 2: Send the proof of transfer to the beneficiary so that he can ask his bank to do an internal research Step 3: Finally, contact our Customer Service ☝️ Did you know? Transfers between Qonto accounts are instant ! ⚡️ Once your transfer has been sent, you can download a proof of payment . 📄

https://help.qonto.com/en/articles/4359577-when-will-the-beneficiary-receive-my-transfer

What is the difference between end-to-end CRO and TRN code ?

The CRO (Codice di Riferimento dell'Operazione) consists of a sequence of 11 numeric characters that identifies a transaction . Each CRO is unique and can only correspond to one transaction, identifying it with no margin for error. The TRN (Transaction Reference Number) replaced the CRO with the introduction of SEPA banking transactions , incorporating it. The TRN must consist of 30 alphanumeric characters, but the sixth to sixteenth characters correspond precisely to the old CRO (and can therefore be extrapolated and verified by hand or through automatic online tools), while the last two characters are necessarily alphabetical. The TRN, therefore, has the same functionality as the end-to-end code that you can conveniently find with Qonto inside the proof of transfer. ​ Where can I find the end-to-end code of my transaction? The end-to-end code is a ‘unique payment identification’ that allows outgoing SEPA Credit Transfers to be identified. This reference facilitates automatic payment reporting for both the originator and the beneficiary. Normally, this code has a maximum of 35 characters and you can show it to your beneficiaries to identify a correctly executed payment, to track it or as an identification code for tax/accounting purposes. The code will be available inside the receipt of each transfer you are going to make, moreover, it will be displayed when you receive the confirmation that your transfer has been successfully completed. 🎉 Here you have a link to our FAQ “ How to download the proof of execution of a credit transfer ?” Please note that: This information is only relevant for the Italian companies at the moment ☝🏻

https://help.qonto.com/en/articles/6842589-what-is-the-difference-between-end-to-end-cro-and-trn-code

What is pagoPA?

PagoPA is a platform to make all payments to the PA (Public Administration) simpler, safer and more transparent. pagoPA is compulsorily adopted by all Public Administrations and a growing number of Banks and payment institutions ( Payment Service Providers - PSP). pagoPA is envisaged in the implementation of Article 5 of the CAD (Digital Administration Code) and by Legislative Decree 179/2012. pagoPA was born for three reasons: push electronic payments in the country, PA payments are relevant in terms of the number of transactions and amount. Let the citizen have freedom of choice when it comes to payments and strengthen cost transparency to reduce the acquiring costs for the PA. What can I pay with pagoPA? PagoPA allows you to pay taxes, fees, utilities, fees, membership fees, stamps and any other type of payment to central and local Public Administrations , but also to other subjects , such as publicly owned companies, schools, universities, ASL. What are the advantages of pagoPA for my business? The main advantage of using the pagoPA system is to rely on a single, simple, fast and transparent payment system (certainty of commission costs, clarity of amounts, etc.), to make any type of payment to the Public Administration. In particular: transparency of commission costs certainty of the debt owed, with the possibility of obtaining the discounting of the amount (i.e. the amount to be paid is always the valid one required by the PA. If the amount varies over time due to default interest or other, it is always updated on pagoPA ) simplicity and speed of the process: just enter the warning code (IUV Identificativo Unico Versamento) to pay and receive the release receipt or the certainty that the PA has collected the tax and there will be no subsequent verifications or investigations. What is the security level of payments made on pagoPA? The level of security is guaranteed by adherence to the security regulations established by the Payment Card Industry (PCI) and adherence to the requirements on Strong Authentication provided for by PSD2. All payment institutions (Paid Service Providers) participating in the pagoPA system must comply with the security and fraud prevention requirements imposed by the PSD and PSD2. Why can I no longer find the MAV / RAV bulletin in the payment notification? By joining pagoPA, the Creditor cannot use MAVs or RAVs. Can I also collect credits from the public administration with pagoPA? No, the pagoPA system only allows payments to the Public Administration. For more information about how to use pagoPA on Qonto, you can visit our dedicated article: How does pagoPA work on Qonto?

https://help.qonto.com/en/articles/6627541-what-is-pagopa

How to add, edit or delete a beneficiary?

We made it easy to add a new beneficiary at any time. You can also edit one of your beneficiary details whenever you want. Add a new beneficiary You can add new beneficiary details at any time. 💻 On your web app Go to the Business Account section Go to the Transfers section Click on the black + Make a transfer in the top right corner of your screen You will have 2 choices : 1- Upload an invoice If you have an invoice, upload it right now! The system will gather information on the invoice whenever it is possible (beneficiary / iban, amount, reference), You will be able to modify any field, the account to debit, schedule a recurrence, send notification to the beneficiary, add bookeeping details. 2- I don’t have an invoice If you don’t have an invoice, follow this steps: Go to SEPA transfers in euros Select New beneficiary Enter beneficiary details (name / IBAN / category / beneficiary email / VAT rate and any label Enter your beneficiary's information, the VAT rate and any labels, then click on Continue Your new beneficiary has been added to your list! ☝️ Good to know: You will find your beneficiary details on the list on your right, in your Beneficiaries list . Do you want to make a transfer to this beneficiary? Save some time and select the details in just one click. The information of your beneficiary with the VAT rate and label will be automatically pre-filled. You won't have to put them again! 📱 On your mobile app On your mobile app, adding a new beneficiary can be done only when making a transfer. In the Menu section, click on Transfers , then on the black + icon in the top right corner of your screen. Click on New beneficiary and add its details. Make your transfer. Your new beneficiary will automatically be added to your list! Keep in mind that your team members and your accountant can also add a new beneficiary while sending you a transfer request. Edit an existing beneficiary Do you want to edit the details of one of your beneficiaries already on your list? Just follow these steps: On the web application: From the Pro Account tab, go to the Transfer section, click on Make a transfer > SEPA transfer in euros or Internal transfer in euros or SWIFT transfer in foreign currency Select the beneficiary concerned, then click on the 3 dots icon Edit the desired information The updated information will be applied to all transfers issued to this beneficiary! On the mobile application: Go to the Menu section, click on Transfers , then on the black + icon in the top right corner of your screen. Select Add transfer details Choose Transfer in euros or Transfer in foreign currencies Choose the account to debit Swipe left on a beneficiary's name, then tap Edit Edit the desired information The updated information will be applied to all transfers issued to this beneficiary! You can also edit a beneficiary by clicking on the Suppliers section under Bookkeeping in the Advanced section, on the left bar. Click on the beneficiary you want to edit, and then click on the little pencil that appears when you hover the card on the top right corner. 👉 Tips : If you have a one-time transfer to make to one of your suppliers, you can avoid filling manually all the information of the supplier by making this payment via the Suppliers invoice Section. Delete a beneficiary You also have the ability to delete a beneficiary at any time from your web page or mobile application. On the web application: From the Pro Account tab, go to the Transfer section, click on Make a transfer > SEPA transfer in euros or Internal transfer in euros or SWIFT transfer in foreign currency Select the beneficiary concerned, then click on the 3 dots icon Click Delete On the mobile application: Go to the Menu section, click on Transfers , then on the black + icon in the top right corner of your screen. Select Add transfer details Choose Transfer in euros or Transfer in foreign currencies Choose the account to debit Swipe left on a beneficiary's name, then tap Delete 💡If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone.

https://help.qonto.com/en/articles/4553372-how-to-add-edit-or-delete-a-beneficiary

What is a SEPA transfer and how long does it take to receive it ?

You've probably heard of SEPA Credit Transfers but don't know what they are really for? SEPA Credit Transfers are a Europe-wide transfer system for transferring euros within the European Union. It is one of the fastest, cheapest and safest ways to move your money within the 36 member states of the SEPA zone and their associated territories. What does SEPA mean? 🇪🇺 SEPA (Single Euro Payments Area) is a network initiated by the European Union that aims to make bank transfers in euros across Europe as easy as domestic transfers. ​ Which countries are included in SEPA? 🌍 SEPA currently has 36 Member States: ​ Eurozone countries in the European Union (20) Austria Belgium Croatia Cyprus Estonia Finland (including the Åland Islands) France (including French Guiana, Guadeloupe, Martinique, Mayotte, Saint-Barthélemy, Saint-Martin (French part), Réunion and Saint Pierre and Miquelon) Germany Greece Ireland Italy Latvia Lithuania Luxembourg Malta Netherlands Portugal (including Azores and Madeira) Slovakia Slovenia Spain (including the Canary Islands, Ceuta and Melilla) France * : Excluding French overseas collectivities French Polynesia, New Caledonia, and Wallis and Futuna. ​ SEPA currently applies in a complementary way to national credit transfers in SEPA countries that are not part of the euro area (see below). In these countries, it is still possible to receive payments via both systems: SEPA for payments in euro and the national payment system in the country's currency: ​ Non-euro area countries in the European Union (7) Bulgaria Czech Republic Denmark Hungary Poland Romania Sweden SEPA countries outside the EU, members of EFTA (4) Iceland Liechtenstein Norway Switzerland Microstates that have special monetary agreements with the EU (4) Iceland Liechtenstein Norway Switzerland The United Kingdom , although it has left the EU. How does a SEPA bank transfer work? 🚀 There are three types of SEPA bank transfers, all available with Qonto, which offer three different services: The standard SEPA credit transfer The instant SEPA credit transfer (available for incoming and outgoing transfers at Qonto). The SEPA direct debit (SDD) The standard SEPA credit transfer uses the IBAN (International Bank Account Number) and possibly the BIC (Bank Identifier Code) of the sender's and beneficiary's bank accounts to transfer money from one account to the other. Once the transfer has been authorized, the recipient must receive the money within one to two working days (24 to 48 business hours) after the payment has been made for a standard SEPA and within 10 seconds for an instant SEPA. ​ Please note: ⚠️The maximum amount for an incoming instant transfer is €100,000 . ⚠️ Your Qonto account cannot receive treasury/VSOT transfers. The rejection of a VSOT transfer may result in up to €30 in fees. How long does it take to receive a transfer? The time it takes for a SEPA transfer to be executed depends on the issuer's bank. Standard SEPA transfers Within the Single Euro Payments Area (SEPA), standard transfers are typically completed within 24 to 48 business hours . ​ Instant SEPA transfers Instant SEPA transfers are processed in just 10 seconds . The maximum amount for an incoming instant transfer is €100,000 . If you're expecting an incoming SEPA transfer and haven't received it after 48 business hours , we recommend that the sender contacts their bank to make some researches. He can also request a proof of transfer. This document is useful for verifying the entered information. Please note: ⚠️ Your Qonto account cannot receive treasury/VSOT transfers. The rejection of a VSOT transfer may result in up to €30 in fees. ⚠️An internal SEPA transfer (from a Qonto account to another Qonto account) is processed as an Instant payment (the funds will be credited within 10 seconds). ​ You're expecting a SWIFT transfer? 👉 See this article to get information on incoming SWIFT transfers receiving time : How can I receive an international SWIFT transfer? ​ You have yourself initiated a transfer? 👉 See this articles to get information on outgoing transfers receiving time : When will the beneficiary receive my transfer? ​

https://help.qonto.com/en/articles/5276126-what-is-a-sepa-transfer-and-how-long-does-it-take-to-receive-it

How does pagoPA work on the Qonto mobile app?

PagoPA is a platform that allows you to make any type of payment to Central and Local Public Administrations (PA) : taxes, fees, utilities, memberships, stamps and any other type of payment. For more information you can visit our dedicated article: What is pagoPA? Thanks to the direct integration with the pagoPA platform, you can pay your payment notices directly from the Qonto app, from your desktop or mobile. Where do I find the pagoPA section on the mobile app? You can find the pagoPA section by clicking the More button at the bottom right of the main screen of the Qonto app. How can I make a payment from the mobile app? You can make the payment in 2 ways: Scan the QR code you find on the payment notice Enter manually the unique code and tax code of the creditor entity . You can find this information on the payment notice At this point, you must select the current account to charge the payment and confirm the operation from the final summary screen . 💡 If you choose to pay by scanning the QR code, for your first payment via mobile app, you will be asked to allow access to your smartphone's camera. Can I keep track of payments made previously? Yes, in the History section, pagoPA payments are marked as pagoPA. Where can I find the payment receipt? Once the operation has been completed, the payment receipt will be automatically attached to your transaction and can be viewed in the History section. I can't pay by scanning the QR code, what should I do? If the application is unable to detect the QR code, an error message will appear. We suggest following these instructions: Make sure your smartphone's camera is not darkened or covered Make sure you have authorised the Qonto app to access the camera (you can manage app permissions by going to your smartphone settings) Activate the flash or go to a well-lit place Place the payment notice on a dark background Alternatively, remember that you can always pay the pagoPA notice by entering the data manually . Can I pay the same notice twice? It is not possible to make the same pagoPA payment twice. If you try to pay a notice that has already been paid, the system will display an error message.

https://help.qonto.com/en/articles/7151000-how-does-pagopa-work-on-the-qonto-mobile-app

How do I create a company with Qonto?

To create a company with us you can register here . To create your Sociedad de Responsabilidad Limitada SL/ SRL you should select option "You are going to create a limited company". In the next step, you will create your credentials with the email address and your phone number you will use for your company account. Make sure you have access to this email address as you will receive communications from us and Finutive during the process. The next step will be to fill in the details of your future company. Don't worry, if there are any changes in the future, we will take care of updating the necessary information. We will ask you for information about the financial data of your business. Don't worry, this is for information purposes only. Then you will need to fill in your personal information. Please note that we will send your card to this address, so it should be as accurate as possible. Once you have registered your phone number we will ask you to accept the terms and conditions of our privacy policy as we will share your data with Finutive. When you continue with the process you will be asked to complete an identity verification. *FAQ Fourthline / customer tips Choose the best type of subscription for your new company In this step you must choose the plan that best suits your business needs. Once you have chosen your plan we will proceed to payment. If in the future you decide to change the type of subscription you will be able to do so from the client interface. You will receive the invoice by email once the payment has been processed. The Finutive team will contact you to start the process of creating your company. For more details you can go to the article * What is included in the Qonto x Finutive company creation pack? *. ​ If you have any questions do not hesitate to contact us by email: [email protected]

https://help.qonto.com/en/articles/9127754-how-do-i-create-a-company-with-qonto

What is included in the Company Creation Pack? Qonto x Finutive

To create a company with Qonto we have partnered with Finutive. They offer a personalized and remote service so that you can create your company in the most efficient and fast way. You will be assigned a personal advisor who will assist and advise you during the whole process of creating and incorporating your company. You will also be able to call him/her to solve doubts, as well as to organize videoconferences to share your concerns or documents. The process is online to facilitate all the management of information and documentation, which allows us to be more efficient. What are the stages of the company creation process with Finutive? We introduce you to your advisor and give you access to the platform to complete our form.You will have to provide us with the data and identity documents of your partners. We ask for the company name. It is important to have several options, that is why we recommend providing 5 possible names for your future company in order of preference. With the completed information from our form we generate the file that we will send to the notary. We will confirm the necessary data and information with you before completing the file that will be sent to the notary. The signature with the notary takes place. Notary sends the information to the administrations: Tax Agency (AEAT), Social Security (TGSS) and Provincial Mercantile Registry (where the deeds of incorporation are registered). We will obtain the Model 036 of company or the DUE/ Circe The deeds are registered in the Mercantil Registry. The company appears as Vigente in the Mercantil Registry and Qonto team will acquire the Nota Informativa Mercantil All the company information is updated by the Qonto team. If you have any questions during the registration process you can contact your Finutive advisor or send and email to [email protected]

https://help.qonto.com/en/articles/9127814-what-is-included-in-the-company-creation-pack-qonto-x-finutive

How to make a transfer in euros?

There's nothing easier than processing a transfer! You can make a transfer directly from your web or mobile app. With Qonto, you can initiate instant SEPA transfers! How? Just follow the steps below👇 💻 On your web app: Go to the Business Account section Go to the Transfers section Click on the black + icon in the top right corner of your screen You will have 2 choices : 1- Upload an invoice If you have an invoice, upload it right now! The system will gather information on the invoice whenever it is possible (beneficiary / iban, amount, reference), You will be able to modify any field, the account to debit, schedule a recurrence, send notification to the beneficiary, add bookeeping details. 2- I don’t have an invoice / Add transfer details If you don’t have an invoice, follow this steps: Go to SEPA transfers in euros Choose or add a new beneficiary Enter the information needed (account to debit / amount / category / reference) Scheduling and recurrence allows you to define the date you want the transfer to be emitted, or choose a frequency if you wish to make it recurring Attachment , if you want to add a supporting document to your transfer, or in case the amount exceeds 30,000 euros Beneficiary notification , in case you want us to send an email to the beneficiary with transfer details Bookkeeping details , which allows you to define beneficiary VAT rate, custom labels in case you have it in your price plan, and a note to remember what this transfer is about Take a last look at your transfer, and make sure that all information is correct! Here your transfer is automatically set as INSTANT but you can also chose the option to make your transfer standard (received through 48 business hours max). You will probably be asked to confirm the operation with you mobile phone 📲 On your mobile app: Go to the Menu section Click on Transfers Click on the black + icon on the top right corner of your screen You will have 2 choices : 1- Upload an invoice (coming soon on mobile) If you have an invoice, upload it right now! The system will gather information on the invoice whenever it is possible (beneficiary/iban, amount, reference), You will be able to modify any field, the account to debit, schedule a recurrence, send notification to the beneficiary, add bookeeping details. 2- I don’t have an invoice / Add transfer details If you don’t have an invoice, follow this steps: Select a beneficiary or enter the information about a new beneficiary : complete name as indicated on the RIB (name / first name / company name), IBAN, VAT rate, Category or Associated labels, etc. We will save this beneficiary automatically so that you won't have to create it again. Enter the transfer’s amount and reference (you can save up to 135 characters in the reference field) Scheduling and recurrence allows you to define the date you want the transfer to be emitted, or choose a frequency if you wish to make it recurring Attachment , if you want to add a supporting document to your transfer, or in case the amount exceeds 30,000 euros Beneficiary notification , in case you want us to send an email to the beneficiary with transfer details Bookkeeping details , which allows you to define beneficiary VAT rate, custom labels in case you have it in your price plan, and a note to remember what this transfer is about Take a last look at your transfer, and make sure that all information is correct! Here your transfer is automatically set as INSTANT but you can also chose the option to make your transfer standard (received through 48 business hours max). You will probably be asked to confirm the operation with you mobile phone ☝️ Good to know : ​ You don’t need a new beneficiary to be validated before initiating a new transfer. In order to save time, you can settle your VAT rate and associated label for every single beneficiary, by clicking on Bookkeeping, then Suppliers . Once it's done, you don't need to think about it anymore! You will find already filled-in the dedicated fields with the information, when you will create a new transfer while you are making it. Managers may make transfers as their authorizations allow them to, within limits set by the Admin or the Account Holder. Transfers between Qonto accounts are not deducted from your plan, and credited instantly! All you need to do is follow the same procedure as for a traditional transfer, by filling in the bank account details (IBAN) of your beneficiary. ​ At the moment, you can’t initiate an instant SEPA for scheduled, requested, recurring and bulk transfer. ☝️ Tips : To save time on your SEPA transfers, use the link qonto.new in the search bar of your web browser. You will be taken directly to the SEPA transfers page. You can also use the Suppliers Invoice section for your transfers and avoid filling manually all the transfer details. 🔁 You can now re-initiate some transfers that you have already made without having to recreate it again 🤩! Click on the transfer you want to remake in your history tab, then on the right side you will see the button Repeat transfer . You will be able to edit some transfer details and then validate it. 💡 If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone. ⏱ With the new iOS widget : For those who want to go faster and faster, discover our new iOS Qonto mobile widget. 💡 A widget is a small module that you can add to your phone's home page, allowing you to control your applications or access information more quickly. How do you add the widget to your home screen? From your iPhone home screen, long press on any application, then click on Edit home screen ; Click on the + button in the top left-hand corner, and the widget menu will appear.

https://help.qonto.com/en/articles/4359574-how-to-make-a-transfer-in-euros

Can I create my company in Spain with Qonto?

To create a company with us you can register here . To create your Sociedad de Responsabilidad Limitada SL/ SRL you should select option "You are going to create a limited company". In the next step, you will create your credentials with the email address and your phone number you will use for your company account. Make sure you have access to this email address as you will receive communications from us and Finutive during the process. The next step will be to fill in the details of your future company. Don't worry, if there are any changes in the future, we will take care of updating the necessary information. We will ask you for information about the financial data of your business. Don't worry, this is for information purposes only. Then you will need to fill in your personal information. Please note that we will send your card to this address, so it should be as accurate as possible. Once you have registered your phone number we will ask you to accept the terms and conditions of our privacy policy as we will share your data with Finutive. When you continue with the process you will be asked to complete an identity verification. *FAQ Fourthline / customer tips Choose the best type of subscription for your new company In this step you must choose the plan that best suits your business needs. Once you have chosen your plan we will proceed to payment. If in the future you decide to change the type of subscription you will be able to do so from the client interface. You will receive the invoice by email once the payment has been processed. The Finutive team will contact you to start the process of creating your company. For more details you can go to the article * What is included in the Qonto x Finutive company creation pack? *. ​ If you have any questions do not hesitate to contact us by email: [email protected]

https://help.qonto.com/en/articles/7938349-can-i-create-my-company-in-spain-with-qonto

What legal consultancy services does LexDo.it provide?

Just like Qonto, LexDo.it also places a high value on the development of Italian SMEs and aims to simplify as much as possible the bureaucracy that professionals, at the beginning of their activity, may encounter along their way. To put this purpose into practice, LexDo.it has developed a complete legal services platform, constantly updated and available 24 hours a day, 7 days a week , allowing SMEs and professionals t o request over 200 types of contracts and legal documents in just 6 minutes! 🚀 You will simply need to connect to the LexDo.it website , select from the list of available documents what you need, and answer a few guided questions that will allow their team of expert lawyers to prepare your customized contract! 😊 Finally, you will be able to download the version of the contract specially prepared for you by LexDo.it, including personalized clauses for the specific situation, comfortably from your own home. 💻 Here are some examples of available contracts: Creation and modification of one's brand trademark; Website privacy policy and cookie policy; Advertising contract; Partnership contract; Customized employment contract for employees, etc... For any difficulties, doubts, or requests, you can rely on the support of expert lawyers, who will not fail to provide you with telephone consultancy to solve even complex problems within a maximum of 48 hours. Rates and special offer dedicated to Qonto clients LexDo.it offers three different types of annual subscriptions: Personal , at a cost of €99/year excluding VAT, with 3 contracts and a consultation with an expert lawyer included in the price; Business , at a cost of €299/year excluding VAT, with the possibility to create unlimited contracts and 5 consultations with an expert lawyer included in the price; Superior , at a cost of €799/year excluding VAT, with unlimited contracts and consultations and a dedicated lawyer for annual legal checkups. Moreover, if you are a Qonto client, you can benefit from a €10 discount on the annual plan you choose, by entering the promotional code available from the Connect section of your Qonto app! 🤩 For any further information related to the rates applied by LexDo.it, we recommend consulting their dedicated page .

https://help.qonto.com/en/articles/5603986-what-legal-consultancy-services-does-lexdo-it-provide