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

Answer: 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