Question: How can I receive a SWIFT transfer?

Answer: 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?   👉  Good to know:  All transfers that go through the USA, even if it is only an intermediary bank, have a fee of 20$.     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