ThomasCdnns/qonto-open-qa huggingface dataset:
Question: How to set up the shareholder structure of your business?

Answer: When registering with Qonto, it is required that you specify all shareholders of your company.     Qonto accepts both natural persons and companies (legal entities) as shareholders;    in case a  company holds shares in your company, this company must have its registered office in Germany, France, Spain, Italy, Luxembourg, Belgium or Netherlands  and  must not be an association or public corporation.   Main menu After signing the contract, you will be redirected to a new window with 4 steps for the further registration process for your company in formation.   The first step relates to the shareholder structure, where you can choose what type of shareholders are involved in the capital contribution -  natural/physical or legal persons .   ​After you have clicked on "Add shareholder", a new window will open in which you can add new shareholders and specify the amount of the capital contribution for each of them.         Registration of a natural person as a shareholder If you select the natural person, you will be asked to specify the amount of the capital contribution for this shareholder:     After confirming with "Save", you will be forwarded to the next step, in which the data fields for this person must be filled in and the valid ID document/proof of identity must be attached:       After you have confirmed with "Save", you will return to the first window of the list of shareholders. You will receive confirmation (green) that your shareholder structure has been updated.         Registration of a legal entity as a shareholder If you add a legal entity (company) as a shareholder, you must first specify the name of the company, the registration number and the amount of the contribution (capital contribution);       After you have confirmed with "Save", you will be asked to specify the legal representative (a natural person) for this legal entity, with two options available:     Select option 1 (marked in the image above) if you are not only the legal representative of the company in formation, but also of the shareholder company.    As your data has already been saved during registration, selecting this option will automatically define the shareholder structure and you will be informed of this by a green pop-up window in the bottom right-hand corner:         Select option 2 (marked in the image above) in the event that you are not the legal representative of the shareholder company and you wish to specify a third person.    Then enter the personal data of the third person and upload the identification document of the alternative managing director of the shareholder company.       After you have confirmed with "Save", you will return to the first window of the list of shareholders. You will receive confirmation (green) that your shareholder structure has been updated.         Once you have entered  all the shareholders of your company , confirm this in the overview    Done! 🚀 You will now be taken to t he next step in the main menu,  which will guide you through setting up your company ( paying in the share capital ).
Question: Which commercial register document does Qonto require for german companies in formation?

Answer: 🚀 Now live - account opening with commercial register application! With the new account opening for founders, you can already fully use and activate your account at Qonto immediately with the notarised commercial register application  to avoid unnecessary waiting time!  ➡️  Click here to open an account for founders     👆 What should I pay attention to when applying to the commercial register? Qonto will send you the proof of your bank account with the share capital. If you indicate this during registration, we will automatically send a copy of the document to your notary. Once your notary has completed the commercial register application for you, have your notary give you a certified copy of the document. The document must be signed by the notary and have a stamp or seal. Now upload the commercial register application in the Qonto app and we can activate your account immediately! Only outgoing SWIFT payments are only possible after complete registration in the commercial register. We check for you in the background for 70 days whether your company has been fully registered and do the work for you.     ❓ What information must the commercial register application contain? Company name, registered office Object of the company (business activity) Details of the persons authorised to represent the company (managing directors, authorised signatories) Representation regulations of the company Reference to the underlying articles of association with list of shareholders Details of the competent commercial register Signature of the managing director(s) Signature and stamp/seal of the notary public   Example of an application to the commercial register    Click here for more articles for founders and Qonto.
Question: What should be considered in the case when a shareholder is a non-EU/EFTA national?

Answer: If one of the shareholders involved in the company creation process is a person who is not in possession of a proof of identity (ID card, Passport) issued in a country of the EU or EFTA, a capital contribution is possible with the restrictions mentioned below:   The shareholder is only invited to the business account for the payment of her/his capital deposit,  but is not given access to the account. ​ The shareholder's proof of identity provided (ID card, passport) is not from one of the following countries: Afghanistan Syrian Arab Republic Bahamas Botswana Cayman Islands Democratic People's Republic of Korea (North Korea) Eritrea Ghana Iraq Islamic Republic of Iran Yemen Virgin Islands, British Virgin Islands, U.S. Cambodia Cuba Libya Macau Mongolia Myanmar Nauru Nicaragua Pakistan Palestine, State Palau Panama Russia Zimbabwe Somalia St. Kitts and Nevis Sudan South Sudan Trinidad and Tobago Uganda Vanuatu Central African Republic
Question: What is to be considered regarding the shareholder structure and the capital deposit?

Answer: During the registration it is possible to add natural person and legal entities as shareholders.   There are some details that has to be considered in this process. ​ Due to regulatory requirements to minimise risk, Qonto can only accept certain shareholders when setting up a company. Minors, legal entities and persons outside EU/EFTA countries may only be accepted with restrictions.  ​ In these following links, we can find the important guidelines regarding the mentioned exceptions: Minors |  What must be observed in the case of shareholders who are minors? Legal entities/companies  |  What must be observed in the case of legal persons as shareholders? Persons without proof of identity from EU/EFTA countries  |  What must be observed in the case of shareholders originating from outside the EU/EFTA?   When it is about the paying of the capital deposit, we have to emphasise that  the emitter-name and the amount have to be the same  as it is stated in the contract.  ​ In case of any discrepancies the transaction will be send back to the emitter IBAN  and the client will be informed about the details through an E-mail. ​ ⚠️  In case where the shareholder is a legal entity, the emitter-name should of course be the name of that company  who is taking over the part of the capital deposit - that means  not the name of the natural person which is representing this legal entity. ​ When all the data is correct (emitter-name and the amount) the capital deposit will be validated - which means that the client is receiving the new generated bank statement as a proof for the notary. ​ ​
Question: How does the account opening for German companies in formation work with Qonto?

Answer: You are welcome to register with Qonto and open an account even if your company is still in the start-up phase. ​ For the german market we currently offer foundation accounts exclusively for the legal forms of Gesellschaft mit beschränkter Haftung (GmbH) and Unternehmergesellschaft (UG) as well as their special non-profit forms gGmbH in Gründung and gUG in Gründung. ​ We accompany you from the registration with Qonto, through the deposit of your share capital to the final opening of the account. Registration takes place in four simple steps. ​ ​ ➡️  Click here to open an account for founders     ⚙️ Step 1 - Registration One of the owners of your company starts the registration process  here.   Enter your company details and provide information on the beneficial owners and legal representatives.     Upload the foundation documents directly during registration. The foundation documents must be signed and notarised with a stamp or seal. The list of shareholders must be signed by all shareholders.       The person submitting the account application confirms his/her identity via video call with IDnow. He/she must be in possession of a valid European identity document or a work permit for Germany.   If the person submitting the account application is not a legal representative of the company, a power of attorney must be filled out and signed when opening the account. ​ You can find out more about opening an account with a power of attorney here:  ​ Who can open a Qonto account on behalf of my company?     ⚙️ Step 2 - Deposit of the share capital All owners who have shares in the company are now added to the account by us and deposit their share capital into a separate account at Qonto. Once the full share capital has been correctly deposited, it will be transferred to a final IBAN.   ⚙️ Step 3 - Trade register application You will now automatically receive proof  of the final bank account with the share capital  for submission to the notary.    Your advantage  - when registering, you can directly enter the notary's e-mail so that he or she receives a copy.   ⚙️ Step 4 - Activating your account at Qonto now even easier & faster! After you have completed the commercial register application with the notary, upload the  notarised commercial register application  to your account.        🚀 Done! We will activate your account immediately after verification.  You avoid unnecessary waiting time  until the commercial register entry. ​ ​ 👉Important notes Please note that outgoing SWIFT payments are only possible after complete registration in the commercial register. Qonto will check for you in the background for 70 days whether your company has been fully registered. ​ If your company has not been registered within 90 days after activation, we unfortunately have to deactivate your account again for regulatory reasons.   Click here for more articles for founders at Qonto.
Question: What are the requirements for opening an account with Qonto for German companies in foundation?

Answer: The following requirements must be met to open an account with Qonto for your start-up company.     Accepted legal form Account opening is currently supported for the following legal forms in formation: Gesellschaft mit beschränkter Haftung (GmbH i.G.) gemeinnützige Gesellschaft mit beschränkter Haftung (gGmbH i.G.) Unternehmergesellschaft (UG i.G.) gemeinnützige Unternehmergesellschaft (gUG i.G.)   Registered office The registered office of the company must be in Germany. If one of the partners is a legal entity - a company - it must have its registered office in one of the following countries: Germany, France, Spain, Italy, Luxembourg or Belgium.     Activity The activity of the company must comply with Qonto's guidelines and must not be one of the illicit activities. The list of activities that are not allowed at Qonto can be found  here .     Shareholder structure & shareholders When the company is established, the shareholder structure may consist of natural persons and legal entities. Both subjects can participate in the capital contribution, which is determined by the contract and list of shareholders.   The following requirements apply to the shareholders of the company:     Natural persons According to the German Civil Code (BGB), every person is a natural person with legal personality.  They require valid proof of identity in the case of emancipated minor shareholders, a court judgment signed by a judge is required for non-emancipated minors, at least one parent must also be a shareholder and a certificate signed by the parents with custody must be provided   Legal persons A legal person is an association of persons or a fund which is itself the bearer of rights and obligations and has its own legal capacity. A distinction is made between partnerships (OHG, KG), corporations (AG, GmbH, UG) and public corporations.   Qonto does not accept public corporations as shareholders. If one of the shareholders is a legal entity, it must have its registered office in one of the following countries: Germany, France, Spain, Italy, Luxembourg or Belgium. Share capital The paid-up share capital, the shareholders and the distribution  must correspond to the information in the notarial formation documents (the issuer name and the amount). The share capital must be at least EUR 1.00 in the case of an entrepreneurial company. The share capital must be at least EUR 25,000.00 for a limited liability company. It is possible to start with a share capital of at least EUR 12,500.00, which is topped up. ​ Do you meet all the necessary requirements? Let's go! Click on  this link  to start your account opening at Qonto! 🚀 We look forward to welcoming you as a customer!   ​ 💡Other frequently asked questions Who can open a business account with Qonto? What documents do I need to open an account?
Question: What are the sources of funds rejected by Qonto for capital increases?

Answer: At Qonto, we are committed to supporting our clients in their financial steps while adhering to the strictest security and compliance standards. ​ Conditions for acceptance of funds for capital increase When a company considers increasing its capital, it is crucial to ensure that the injected funds meet our acceptability criteria. We take these measures to ensure compliance with current regulations and maintain the security of our financial ecosystem. ​ Limitations on the origin of funds If a contributor to the capital increase plans to make a contribution from a bank account whose ISO 3 code appears on our exclusion list, we will unfortunately not be able to accept this contribution. ​ 💡  Alternative Solution:  We recommend that the concerned subscribers consider transferring funds from an alternative bank account, in the name of the entity participating in the capital increase, which is not subject to these restrictions. ​ List of rejected sources of funds CONTINENTS COUNTRIES ISO CODE 3 Africa Botswana, Burundi, Congo, Eritrea, Libya, Uganda, Central African Republic, Somalia, Sudan, South Sudan, Chad, Zimbabwe BWA, BDI, COD, ERI, LBY, UGA, CAF, SOM, SDN, SSD, TCD, ZWE Asia Afghanistan, Azerbaijan, Korea, Iran, Iraq, Kyrgyzstan, Macao, Mongolia, Myanmar, Pakistan, Palestine, Philippines, Syria, Yemen AFG, AZE, PRK, IRN, IRQ, KGZ, MAC, MNG, MMR, PAK, PSE, PHL, SYR, YEM Europe Belarus, Russia BLR, RUS North America Anguilla, Bahamas, Cuba, Cayman Islands, British Virgin Islands, United States Virgin Islands, Nicaragua, Panama, Saint Kitts and Nevis, Trinidad and Tobago AIA, BHS, CUB, CYM, VGB, VIR, NIC, PAN, KNA, TTO South America Venezuela VEN Oceania Nauru, Vanuatu NRU, VUT Why are some sources of funds refused? The decision to refuse funds from certain countries or entities is not taken lightly. It is based on regulatory compliance considerations, anti-money laundering and counter-terrorism financing efforts. By adhering to these principles, Qonto ensures a secure environment for all its clients' financial transactions.
Question: What are the different steps of capital increase at Qonto ?

Answer: Qonto guides you step by step in obtaining a funds deposit certificate as part of a capital increase through a cash contribution. Step 1: Submit your capital increase request To initiate your capital increase request, start by clicking the button below: ​ Submit my request ☝️  Before submitting your request , make sure you meet all the  required conditions  to be eligible for this service. ​ Step 2: Receive the list of required documents Once your request is accepted, you will receive an email within minutes containing a complete list of documents required for opening the escrow account. ​ 💡  Tip : Don't forget to check your spam folder in case our email ends up there. ​ Step 3: Provide the requested documents Send us   all the requested documents  in response to our email. ​ 💡  Note : A dedicated advisor will be assigned to you upon receipt of your documents. They will guide you through to the return of funds to your company's Qonto account. ​ Step 4: Receive the escrow account IBAN Your advisor will analyze your documents within  6 business hours  upon receiving your email. If your file is complete, you will receive the escrow account details along with instructions for fund transfer 🚀. ​ 💡  Good to know : Participants in the capital increase can make their contribution via instant transfer. ​ Step 5: Track the progress of fund reception We will inform you of fund arrivals via email or through a tracking file, depending on the number of participants in the increase. ​ ⚠️  Important : We do not have direct visibility on the escrow account, which may result in delays in updating the tracking file. ​ Step 6: Receive your deposit certificate The deposit certificate will be sent to you by email within  48 business hours  after complete fund reception and, if necessary, the decision minutes for the increase. ​ Step 7: Provide proof of fund release Submit proof of capital increase completion: a sworn statement or an observation minutes, depending on the operation's modalities. ​ 💡  For your information : The sworn statement to be completed will be sent to you with the deposit certificate, while the observation minutes will be required for capital increases equal to or exceeding €50,000, involving more than 15 participants, or with subscriptions paid from foreign bank accounts. ​ Step 8: Receive your funds Your funds will be released to your Qonto current account within  72 business hours  after validation of the requested proof. ​ Step 9: Complete legal formalities The capital increase must be registered with " guichet des formalités des entreprises" , including the deposit certificate provided by Qonto. ​ 💡  Please note : Qonto's capital increase service does not cover legal procedures, which remain your responsibility.   👉 Do you need more information ?   All the answers to your questions about the capital increase are  here  !
Question: Which proof of incorporation are accepted by Qonto?

Answer: Congratulations, you have deposited your share capital on Qonto and finalized the application for registering of your company on the  Guichet unique . All you have to do now is provide us with your proof of incorporation.   Which proof of incorporation are accepted on Qonto? To facilitate the opening of your account, Qonto now accepts three documents proving the incorporation of your company: The definitive Guichet Unique synthesis  (or definitive INPI synthesis) You can get it for free from the Guichet unique. The document must indicate "Formalité validée" to be accepted. ​ ❌  Don't mix it up with the "Synthèse de dépôt" which is a recap of your ongoing registration deposit, not a proof of incorporation. ​ The definitive Kbis extract Document provided by the Registry of the Commercial Court on which you depend. You will receive it as soon as the incorporation is completed in digital format and by post a few days later. The digital document is also available on  Infogreffe  (paying service) and  Monidenum  (free service for company owners) platforms. ​ ❌  Don't mix it up with the temporary Kbis which does not contain your company incorportion number (RCS). ​ The INPI extract Accessible free of charge for all companies from the platforms  pappers.fr ,  data.inpi  or the  annuaire des entreprises .     ☝️ The following documents will not allow the opening of your account: An Avis de situation au répertoire SIRENE  (Avis INSEE) A Synthèse de dépôt INPI  (this is a simple summary of your current procedure) A Synthèse des bénéficiaires effectifs - Version définitive - Formalité validée  (this document only list ultimate beneficial owners) A provisional Kbis  (whose registration number is "en cours d’attribution") An extract from Chambre des Métiers et de l’Artisanat An URSAFF registration certificate A document from the Public Finances or memento fiscal   How to send us your proof of incorporation? Send us your document by uploading it on your Qonto interface.   ☝️ If you want to request a change on the deposit certificate, don't upload it or bylaws instead of the proof of incorporation. Use this  form .   What are the next steps? Once your SIREN number is recognized by legal databases, your account will be validated and activated!  💡 Remember to  download your final RIB  and share it.   The request to release your capital will be sent to the notary at the same time. The funds will be credited to your Qonto account within 72 business hours.   Discover the features of your account and  order your Qonto card  now.
Question: What is an ultimate beneficial owner ?

Answer: Before we can successfully take care of your capital deposit and help you develop your company, we need to know you a little better! Therefore, we need you to register all the ultimate beneficial owners of your business. Don’t panic! Although this term may seem daunting, it’s really quite simple. First things first, a definition. A beneficial owner is a  natural person  who: Either owns more than 25% of the capital or voting rights Or has controlling power over the company 💡  For each ultimate beneficial owner, we need their date/place of birth and a copy of their ID.   To sum up, we need their: First name Surname Date of birth City of birth Country of birth Zip code of birth Country of residence Nationality If you’re reading this, that means you’re a natural person. From now on, corporate entities can also deposit capital with Qonto! To find out more about  corporate entities ,  keep reading . To learn how  100% online capital deposits  work,  click here .