ThomasCdnns/qonto-open-qa huggingface dataset:
Question: What documents do I need to open a Qonto for my association based in Italy?

Answer: How can I open a Qonto for my association based in Italy? If you want to open an account for your association, follow these steps and get the following documentation ready at hand:   1 - Personal Identity Documents How to provide the requested documents? Follow the instructions in this article!   For President, Vice-President, Secretary, Treasurer (if any): A valid identity document - you can find the complete list of accepted documents  here. 👉 Only the President or a natural person expressly delegated by him can open a Qonto account in the name of the company (otherwise, we invite you to  click here  to download the general power). 👉 According to our internal policies, Qonto reserves the right to accept an association only when its executive board is expressly made of a minimum of 3 members.   Thus, we need to be able to identify the following roles of the executive board in the documents requested for your Association: President; Vice - President; Secretary; Treasurer (if present, it may cover one of the above mentioned roles, as per national directives).   2 - Association’s documents:   If your association is  registered to the Chamber of Commerce: Visura camerale (Company Registration Certificate) not older than three months. Otherwise,  prepare the following documentation: Bylaws of the association, signed and stamped by the Agenzia delle Entrate*; Certificate of incorporation, signed and stamped by the Agenzia delle Entrate*; Certificate of allocation of the fiscal code signed and stamped by the Agenzia delle Entrate**. If the roles of the members of your executive board are not specified inside the above mentioned documents: Updated meeting minutes, dated and signed by the participants at the meeting (or at least President and Secretary) Additionally, if your association is affiliated to one of the national registries: Extract (or receipt) of registration in the category register (national register, regional register, Onlus register, certificate of registration with CONI). *Alternatively, we can also accept the copy of its electronic receipt.   ** We can also accept its electronic copy, containing the Association’s information and fiscal code/VAT.   👉 If you are registering the local/provincial/regional seat of an association, remember to send us the bylaw, or minutes of incorporation of your seat and not the ones of the general seat.   NB: The associations that can currently open a Qonto account are: Associations of social promotion (APS); Voluntary organizations (ODV); Associations carrying out an activity of general interest under the ETS reform. ⚠️  At the moment,  associations between professionals, committees, NGOs  (Non-Governmental Organization - In English NGO)  and public administrations  or with public participation, as well as entities managed, coordinated or controlled by these entities  cannot open a Qonto account with us yet.
Question: My company is registered, which documents do I need to open an account?

Answer: For regulatory reasons, we need to verify some of your information before validating the opening of your future Qonto account:   1 - Your ID   You can take a photo or drop off a copy of one of your valid ID documents (see  here ).   an identity card (front and back) a European passport (both pages) a French residence permit (front and back) All information must be clearly visible. We advise you to pay attention to the quality of the photo and the copy if you want to validate your account as soon as possible.    2 - And your ultimate beneficiaries' owners (UBO) ones   An ultimate beneficiary is a natural person who owns, directly or indirectly, more than 25% of the capital or voting rights of the company.   If your company is a SAS ('Société par Actions Simplifiée'), SASU ('Société par Actions Simplifiée Unipersonnelle'), SARL ('Société à Responsabilité Limitée'), EURL ('Entreprise Unipersonnelle à Responsabilité Limitée') or an SCI ('Société Civile Immobilière'), you need to provide  a copy of a valid ID for each ultimate beneficiary owner.     3 - Your company's registration documents   You can take a photo or submit a copy of one of your registration documents. Kbis dated less than 3 months (for your registered company) INPI's Document de synthèse définitive or INPI's extrait d'immatriculation dated less than 3 months (for your registered company) INSEE's situation notice dated less than 3 months (for your individual company) Your company information must be up-to-date in the legal databases.
Question: How to take a good picture of your identity card / passport / residence permit?

Answer: In order for the photo of your identity document to be valid to complete your registration, we invite you to take two photos of your document directly with your smartphone: A photo of the front A photo of the back  A photo of both passport pages ❗️We do not accept screenshots   Make sure that all the information in your identity document is clearly readable  for our agents in charge of verifying your identity. Most photos are not accepted due to poor image quality.  If this is the case, you will have to upload your document again, thus extending the processing times for your registration.    Find how to take good-quality photos ✅  Make sure that your identity document is not damaged and that all information is readable (if the document is cut, worn, or if parts are damaged)  use another document   Sit in a bright place and place the document on a table with no other objects around   When taking the photo with your smartphone, focus on the entire document as its 4 corners must be visible   After taking the two pictures, front and back, check that all the information is easily readable before the upload to avoid repeating this step       Here are the common mistakes you should not make ❌    The photo is blurry ❌   The photo is cropped ❌   Light reflections make the information unreadable ❌   The photo is too dark ❌   The ID is crooked ❌   💡 Additional tips: Clean the lens of your cell phone Hold your phone securely without moving Frame well the 4 corners of the document  After taking the photo, make sure the information is legible. If you are not sure about the quality, please take a new one before sending     ​
Question: I want to open a Qonto account for my association, how do I do it?

Answer: Qonto accept the on-boarding of your association 🙂   Here is the list of accepted associations in detail:    ✅ Declared association ✅ Declared association (economic integration companies) ✅ Association declared to be of public utility ✅ Association of lawyers with individual professional responsibility ✅ Intermediary association   However, we reject the associations below:   ❌ Local law association  ❌ Undeclared association ❌ Authorized union association ❌ Free Trade Union Association   ⛔️ We do not accept association without SIREN / SIRET number.   In order to allow you to open an account as smoothly and quickly as possible, with a minimum of exchanges with the customer service,  we invite you to prepare your registration by having in your possession:   The status of your association up to date The publication of the creation of the association in the  Official Journal   The General Assembly report (in case of changes within the association: e.g. change in board members) The identity document of each member of the board of the association ( among the identity documents that we accept ) These documents will be requested by e-mail shortly after your registration and the signature of the contract.   The deposit of these documents in the associated form will allow you to open an account as soon as possible 😇   Do you meet all these requirements?  Join Qonto  for a privileged experience and support, and take advantage of 1 month offered without commitment.
Question: Can I create multiple accounts for my company / association?

Answer: 🇫🇷  This English FAQ is addressed to French companies, if your company is German, Italian or Spanish, change the language of this FAQ to see the correct documentation.   One account per organization At Qonto, each company or association can only have one account. We base ourselves on the SIREN number (9 digits), and not on the SIRET number (14 digits). Thus, there cannot be several accounts for the same SIREN number, ie for the same organization.   What is the difference between SIREN and SIRET? The SIREN number (Company Directory Identification System) consists of 9 digits and identifies the company as an entity. It is a unique code that will remain the same throughout the life of the company.   The SIRET number (System of Identification of the Directory of Establishments) is composed of 14 digits and allows each establishment of the company to be identified.    Each SIRET is thus linked to a specific address.   Creation of duplicate accounts However, thanks to the  multiple accounts feature , you can quite easily have, on the same account, several sub-accounts with dedicated IBANs, as well as account statements and means of payment specific to each of these sub-accounts. ​ ​
Question: Sole proprietor (Einzelunternehmer) & Freelancers (Freiberufler)

Answer: What documents does Qonto require when registering as a sole trader or freelancer?   Qonto offers business accounts for companies registered in the German Commercial Register, as well as for sole traders and freelancers.   Sole proprietorships are companies, that are founded by a single person who have registered their activities with the Trade Licence (Gewerbeschein). The sole proprietor owns their business 100% and can make decisions without having to consult a co-owner or a co-managing director beforehand.   Freelancers are entrepreneurs with particular professional activities or particular academic backgrounds (e.g. lawyers), who render their services independently and who have declared their activity to the tax office (Finanzamt).   📃 What documents does Qonto ask for? A valid proof of identity The documents accepted as proof of identity can be found under the following  link .   Legal Documents After registering or re-registering the company, you shall receive  a legal document.  Find a sample document below:   Sole Traders Trade Licence (Gewerbeschein) Trade licence must be signed and stamped (except if it is explicitly mentioned that it’s valid without signature and stamp).   Freelancers Tax Letter (Brief vom Finanzamt) The tax letter must explicitly mention your tax number and activity.       During the registration process, you’ll need to upload the  legal document  and the proof of address, if necessary (see step 3).   Since this information is legally required, if we don’t receive the  document  and the  tax number , after the 30-day period, your account will be suspended for the 30-day closing period. Note that this closing process takes another 30 days. During this closing period, you won’t be able to take any actions, but you’ll only have the view access. Nonetheless, you will still have the option to upload the missing information. If not, we will unfortunately need to close your account permanently.   If you don’t have a trade license (GewA1 or GewA2), contact your local trade office (Gewerbeamt) or tax office for a tax letter (Finanzamt) to request a new copy.   An official proof of address (optional) If the address on the legal document is no longer current, upload a current proof of address (no older than three months). That could be an electricity bill or your tax assessment notice. If not available, take another document from an official source that proves your new address. ⚠️  I mportant : Ensure that all documents are uploaded in sufficient quality (resolution, legibility, completeness). We recommend that you take photos with a smartphone camera, bearing the following in mind: ✅  DOs ❌ DONTs High quality/resolution Blurred/pixelated Indirect and sufficient room lighting Light reflections (e.g. from scanner or flash) All edges and corners visible Missing pages Fully visible and legible information Screenshots or photos of secondary screens
Question: My company is not declared as active yet, may I still open a Qonto account? (Infocamere 🇮🇹)

Answer: Normally, inactive companies do not have the opportunity to continuously benefit from Qonto's services. For this reason, we have structured a specific procedure to ensure the opening of a business account even for companies in this situation. 😉   To verify if your company is correctly registered as " active ," check the "activity status" on your  Visura Camerale .   Here's an example of active and inactive companies for comparison: ﻿ Starting from 04/07/2022, we have implemented the process for inactive companies, and you will have 180 days, instead of 90, to activate your company at the Chamber of Commerce. You will receive an email with all the necessary information to do so correctly.   If your Qonto confirmation occurred before 03/07/2022, you will have 90 days to activate your company at the Chamber of Commerce.   However, if your Qonto confirmation occurred on or after 04/07/2022, you will have 180 days to activate your company at the Chamber of Commerce.   How do I activate my company? Activating your company is very simple, and it is a procedure that you can carry out directly online through the ComUnica service on InfoCamere or Registro Imprese!    We recommend, in any case, that you complete the process by consulting your accountant or trusted intermediary to receive specialized support.   My company is now active, what is the next step?  Once your company is active, we ask you to send us, via email to  [email protected]  or through chat directly from your Qonto interface, within the limit of 90 days (for registrations before 03/07/2022) or 180 days (for registrations after 04/07/2022) from the opening of your account, one of the following documents:   Ordinary Chamber of Commerce extract ( Visura camerale ordinaria)   not older than three months, where the business activity status is indicated as  active . Receipt of acceptance of the single communication attached to the outcome of the protocol evasion ( Ricevuta di accettazione di comunicazione unica unita all'esito evasione protocollo);  Single communication for the establishment of the company ( comunicazione unica per la nascita d'impresa)  where in the section regarding the communication's subject, the "Start of activity for a company already registered in the Business Register" must be checked ✅. At the bottom of the page, you can find facsimiles of the aforementioned documents.   Note: In the absence of an official document, your account will be automatically closed.  One of our agents will contact you to request an alternative IBAN in the name of your company to transfer any funds from the account.   Note: You can open your Qonto account only once if your company is inactive. ​ Fac simile of the Receipt of acceptance of the single communication attached to the outcome of the protocol evasione ( Ricevuta di accettazione di comunicazione unica unita all'esito evasione protocollo) Fac simile of the Single communicationm for the establishment of the company ( Facsimile comunicazione unica per la nascita d'impresa)
Question: What documents do I need to open a Qonto account for my Foundation with registered office in Italy?

Answer: If you wish to open a Qonto account for your Foundation , you will need to have the following documentation at hand:   1. Identity documents For the Founder and the ultimate beneficial owners, when identified or easily identifiable, we will need:    A valid identification document  chosen from the list provided  here .    💡How to provide a valid digital photo of your ID? Follow the instructions in   this article . 👉  Please keep in mind that  only the Founder or a person delegated by them can open a Qonto account on behalf of the Foundation (if you need a delegation template, you can download it from  here ).  2. Documents regarding the Foundation Regarding the Foundation, you will need to provide us with:  The  proof of regisreation to the RUNTS  ( Registro Unico Nazionale del Terzo Settore);  👉 We inform you that, from a legal stand point  it's is essential for a Foundation to be registered in the RUNTS . If your Foundation is not enrolled,  we won't be able to move forward with the account opening.    Moreover, we will also need the following documents:  The  deed of corporation ;  The  statute ;  The  VAT number  and  tax code certificate ;  The  declaration of beneficial owners  (you can use the template  here ). ​
Question: Can I open a Qonto account when my main business is in crypto-assets?

Answer: If your  main activity  involves  crypto-assets,  and in particular if its corporate purpose is: Keeping or accessing crypto-assets; The purchase/sale of crypto-assets for legal tender; The exchange of crypto-assets for other crypto-assets; Operating a crypto-asset trading platform. Then you can open an account with Qonto for  your corporate expenses  (e.g. salary payments, bill payments, etc.)!   ⚠️ On the other hand, you cannot use your Qonto account to collect funds on behalf of third parties for activities related to your clients buying/selling crypto-assets, and/or operating a platform.   For the actors concerned, you must be registered or licensed to carry out your activities under local law (e.g.  registration of PSAN  with the AMF).   Finally, two important clarifications: Clients whose main activity is to provide  investment advice  on crypto-assets or blockchain can also open an account with Qonto provided they are  registered with the ORIAS.   Not all activities related to digital assets  are allowed  (mining, NFT, metaverse, blockchain...). Qonto will proceed to a case-by-case analysis. An additional analysis will be conducted by our compliance team, resulting in an extended delay (over 24h) for the processing of these registrations.
Question: What are the eligibility criteria for the loan offers with Iwoca?

Answer: For quick and easy financing, you can now get loans with Qonto and Iwoca! To find out more about the offer, please read as well  our article  on this topic.   Do you want to take advantage of the benefits?  The first step is to check whether your company and your project meet the eligibility criteria of the partnership.    As a rule, Iwoca has the following requirements At least 3 months of operational activity; over €22,000 annual turnover; company registered in Germany.    What documents do you need? Depending on the loan amount, Iwoca usually requires the bank statements of the last 90 days in PDF format, the BWA and SuSa of the last two financial years and the current BWA and SuSa. For loans up to €10,000, the bank statements are sufficient.   Is Schufa information obtained? Yes, Iwoca usesthis information to speed up their analysis. Your creditworthiness is included in Iwocas credit analysis, but it is only decisive if there are hard negatives.   Warning: Do not take any loans that you cannot repay.
Question: Who can open a Qonto account on behalf of my company?

Answer: You can open a Qonto account if: You are the legal representative of the company; You are the chairman of an association or a cooperative; If you have a power of attorney and proof of identity of a legal representative.   👉🏻 A legal representative is an individual or entity that has the authority to act on behalf of the corporation in legal and business matters.   In both cases, go to  https://welcome.qonto.com/ !   If you are a legal representative, follow the classic account opening process by clicking on one of the names displayed. If you are a legal representative but don’t appear on the list, click on “Fill in your information”.   On the other hand, if you’re not a legal representative, you will need a power of attorney and an ID of the legal representative to open an account. Please note that we will ask you this information while opening the account. Below you will find the templates of the Power of attorney to fill: General Power   ❗️You will only be able to use your company's Qonto account for corporate activity, for example for the payment of salaries, the payment of invoices, etc. On the other hand, you cannot use your Qonto account to collect funds on behalf of third parties, a situation for which Qonto will close your account with 30 days' notice.
Question: What activities are prohibited at Qonto?

Answer: Companies primarily engaged in the following industries ( not limited ) are not allowed to open a Qonto account: Accessibility diagnosis (Ad'Ap) Activities related to the sale of products based on cannabis or its derivatives (leaves, flowers, resin, CBD, HHC) with a THC content of more than 0.3% for the companies in France and 0.2% for the companies in Germany, Italy and Spain or not indicated. Activities related to the mining industry Activities related to Energy Efficiency Certificates (CEE) or issuing carbon credits Any illegal activity Auction houses, artwork Selling Cartomancy, fortune-telling, clairvoyance, astrology, tarology Casinos and gambling and any participation to online raffle draws Factoring, Debt collection activities Financial/fiscal agent activity if not registered with a regulator Holding a marketplace Hunting, trapping and related service activities Insurance brokerage activity if not registered with an administration Management of funds, portfolio, and collective investments if not registered with a regulatory authority. Military activities, including the sale of weapons, military vehicles, and their copies Mining, staking, creation and/or marketing of NFTs, blockchain development, development of wallets (hot & cold wallets), decentralised exchange, PSAN activity without registration. Money transfer platforms, remittance services, P2P ( "peer-to-peer" or "person-to-person " ) payment services Online and in-store sales of industrial or cosmetic chemicals. Online and in-store sale, import, and export of protein powders and food supplements that don't comply with European regulations and anti-doping recommendations Online and in-store sale of medicines, including their import-export Online file sharing Sale of mobile SIM cards and top-up cards Sex (pornography, sex toys, escorting, prostitution) Sale of goods/services that may harm, or damage the image, honor, or reputation of others Striptease clubs, nightclubs Tobacco or smoking products (e-liquids) Trading/brokerage platform or any activity related to currencies, precious metals, gemstones, other products, securities Unlicensed payment services (crowdfunding, crowdlending, marketplace)   💡 In some cases, additional information may be requested. Our teams will contact you to review your activity.
Question: How does Qonto x Zapier work?

Answer: Zapier  is an automation tool online that allows you to connect your Qonto account with your favorite apps: Gmail, Mailchimp, Airtable, your financial tools and much more. Qonto has developed an integration with Zapier to automate your business processes in a simple and accessible way.   How to set up the integration of Zapier with Qonto ? You can connect your Qonto account with Zapier in just a few clicks: Go to your Zapier account Look for your favorite app, Qonto Enter your Qonto credentials and select the name of your organization Finally, allow Zapier to access your account by clicking on  Allow access ☝️ Good to know: We may need some time to set up the update for this new connection. With the 2.0 version of the app, you can import transactions attachments 2.0 in beta directly from the marketplace Qonto connect. How to initiate a transfer with Zapier? With Zapier, you can also initiate transfers, to an external account, but also between your Qonto current accounts.   To protect your account, we have added the  strong customer authentication  system, which is the same as on your Qonto app. This system generates a push notification on your mobile to validate your transfer.   To avoid validating your transfers manually every time, we recommend you to trust your beneficiaries beforehand. To do so, please visit  this page  and follow the steps. You can also do this  from the API .   Ready ! You can automate your transfers on Zapier. 🎉   For further information about Zapier, visit their  help center  !