ThomasCdnns/qonto-open-qa huggingface dataset:
Question: What is the difference between end-to-end CRO and TRN code ?

Answer: 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 ☝🏻
Question: How does pagoPA work on the Qonto mobile app?

Answer: 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.
Question: Qonto App

Answer: The  is available in the  Play Store  and  App Store .   APK If you'd really like to use Qonto without a Google / Apple account, you can download our Android application by  clicking on this link.   To complete the download, you'll need to  access your device's Settings . In principle, you'll need to go to  Settings > Security > Allow unknown apps  (navigation may vary from one device to another).   By downloading this application,  you will be responsible for updates , available from the same link, to ensure its operation. ⚠️ Please note that  we do not guarantee an optimal user experience  when using this application. Its operation is optimized via the  Play Store  and l’ App Store . We therefore advise you to use this option only as a last resort.   Account opening If you wish to register, open the account by clicking  here .   When using your computer, choose one of the available websites for the current markets: 🇩🇪  DE , 🇫🇷  FR , 🇪🇸  ES , 🇮🇹  IT .   It is not yet possible to proceed at your capital deposit using the application.   If you want to know more about  Who can open an account at Qonto?  please read the mentioned article. ​
Question: Why do you have to declare your tax residence information?

Answer: 🇫🇷  This article is only applicable to companies registered in France.   As you know, Qonto is a regulated financial institution. We are under the obligation to disclose to the competent authorities our customers who are US tax residents or tax residents of a country other than France. This is nothing to worry about and is merely an administrative formality.   Are you a US citizen or tax resident? Is your business taxable in the US? Complete the form and send us your US Tax Identification Number or your company's US Tax ID number. This is the number you normally use for all your administrative and tax procedures. For individuals, this is the Social Security Number (SSN) or Employer Identification Number (EIN).  Find out more   For companies, you will find this number on your tax return. Please do not take too long in replying to this request. If you do not answer, and if you are a US tax resident, you may be liable to a flat-rate withholding tax of 30% on some of your US income in compliance with their regulations.   Are you or your company tax residents in a country other than France or the United States? Complete the form and send us your Tax Identification Number or your company's Tax ID number, if you have one. You can find it on your tax return or your company’s tax return.  Find out more   Please note that not all countries have a Tax Identification Number. If yours is one of these, stating the country of your tax residence or that of your company will suffice.   Is your company a Passive Non-Financial Entity (PNFE)? If your tax residence or your company’s tax residence is based in the United States or in a country other than France, then you must inform us whether your company is a Passive Non-Financial Entity (PNFE).   What is a PNFE? A PNFE is considered to be passive, when more than 50% of its income is said to be "passive" (dividends, rent, interest, capital gains, etc.) or when more than 50% of its assets generate passive income. For instance, this is the case of a family-owned property company, an asset management company or an investment fund.   Is one of the beneficial owners, in your passive PNFE company, a tax resident in the United States or in a country other than France? Simply provide us with his or her surname, first name, date/place of birth, and tax ID number.   ☝️ As a reminder, a beneficial owner is an individual who owns more than 25% of the capital, voting rights, or any other controlling power over a company.
Question: Why do we ask for information about your business finances during your account opening ?

Answer: As a payment institution , Qonto operates under the supervision of the ACPR ( Autorité de Contrôle Prudentiel et de Résolution ) and is subject to: Regulations related to anti-money laundering, The implementation and compliance with internal compliance and security rules, The collection of information on the business activities of its clients. Therefore, by asking our clients to declare their sources of funding, we aim to: Understand our clients and their needs, Understand the financial situation of our clients and their organization, Build a strong professional and commercial relationship, Provide the highest quality of service.
Question: How do I fill in my existing company’s ultimate beneficial owners’ information during the registration process?

Answer: Have you just started your registration and need help filling in the ultimate beneficial owners’ information (U.B.O.)? You have come to the right place!   Because your time is precious, at Qonto we have designed your registration process to be the fastest and more efficient possible to create your professional account.   Let’s get straight to the point: You have reached  step 5 of your registration process  and have just confirmed your personal address. Now, you need to check your company’s U.B.O.s information.   At this stage, you can find yourself in one of the three different scenarios below : 1️⃣ The information of all U.B.O.s was automatically filled in: You don’t have to take any action but proceed to  step 6  of the registration process:  the choice of your offer . 2️⃣ The UBOs are listed, but some information is missing: The mention «  Missing Information  » appears next to the name of the concerned U.B.O. You have to click on the «  Provide Information  » button to complete their personal information and upload a  high-resolution photo  of their  identity document . 3️⃣ The U.B.O.s are not listed at all : You have to add their information manually, using the button «  Add another beneficial owner  ». You have to complete their personal information and upload a  high-resolution photo  of their  identity document . Please have in mind that in case you are facing scenario 2️⃣ or 3️⃣, we will need you to provide one of the following documents, to confirm the  current U.B.O.s list of your company  : Bylaws General meeting minute Financial statement INPI's Document de synthèse définitive or Extrait d'Immatriculation ​ INPI's Document de synthèse de dépôt are not admissible. Our customer support team will reach out to you by email, once your registration is done to request one of these proofs. Save time and prepare the document right now!   🚨  One of the U.B.O.s passed away ? Please contact us via  [email protected] .
Question: What documents do I need to open a Qonto for my association with a territorial branch?

Answer: If your association is a territorial branch (local, provincial, regional), you will need to provide us with the following documentation to proceed with your registration for Qonto: Your Association is registered to the Chamber of Commerce: Visura camerale not older than three months. Otherwise: Bylaws of Association of the branch you are registering for, signed and stamped by the Agenzia delle Entrate*; Certificate of allocation of the fiscal code signed and stamped by the Agenzia delle Entrate**. *Alternatively, we can also accept the copy of its electronic receipt.   ** We can also accept its electronic copy, containing the Association’s information and the fiscal code/VAT.   If your association does not have its own bylaw, but adopts the one of the head office, we will ask you to provide: The statutes of the head office, mentioning that the territorial branch adopts the statutes of the head office. The document needs to be signed and stamped by the Agenzia delle Entrate*. Alternatively:   If the general bylaws has no mention of the territorial branch association adopting the bylaws of the head office, you may provide us with the minutes of incorporation of the territorial association, in which your association agrees to adopt the bylaws of the head office.  This document also needs to be signed and stamped.     For further information, please do not hesitate to contact us at  [email protected]
Question: Why does Qonto perform a regulatory check?

Answer: In compliance with the  requirements of the Monetary and Financial code , Qonto needs to collect and review specific information about: The company you are opening a current account for The individuals using your company's Qonto account   While we are proceeding with legal verifications, you have access to your Qonto account. However,  restrictions apply  until your company identity is confirmed: You can create cards but you will only be able to receive or use the cards, see their numbers after the validation of your information. The ordered cards could not be shipped. You can initiate transfers but they won't be completed until we confirm your identity. If you are an Employee on the Business and Enterprise subscription, you won’t be required to confirm your identity and will be able to make transfer request, submit expense report and get an Instant card. We will request a proof of identity only if you need a virtual or physical card.   These regulatory checks are aimed at  preventing money laundering, terrorism, and fraud  in general. They generally take 24 hours, but can last up to 5 business days for very specific cases.   We will be able to receive incomes while your account is under verification.   You'll receive a  confirmation email  as soon as verifications regarding your company are finalized and limits of use will be automatically removed.
Question: Where can I find my or my team member’s fiscal code?

Answer: If you are an Italian citizen or resident and your company is registered in Italy, you should have been provided with a  fiscal code . For tax reporting purposes, Qonto needs to collect this information for any Qonto account owner, beneficiary owner or team member with access to the account. Your or your team member’s fiscal code can be found either: On the back of the biometric ID card; On the front of your health insurance card; Or you can generate the fiscal code using  this online tool  and  verifying  it on the official government database. We require the fiscal code when you sign up for a new Qonto account in Italy or to enable tax payment abilities through  F24 .   ☝🏼Good to know:   If you, your beneficiary owner, or a team member do not have a fiscal code, please do not hesitate to contact our customer support team.    Please be prepared with a proof that you or your team member is not an Italian citizen or resident by sharing an ID card and proof of address
Question: How do I make a transfer to my Qonto account?

Answer: 💡 If you are looking to add money to your account for the first time, you can choose to top it up by using a different bank card of yours or via Google Pay. It's easy and instant, more on it  here .   You can top-up your Qonto account by wiring money to it through a simple bank transfer, of the amount of your choice.   From an account in the SEPA zone In this case, the procedure is standard and quite easy to achieve. In order to transfer money to your account, simply initiate a bank transfer to your Qonto account using its IBAN (International Bank Account Number) and BIC (Bank Identifier Code) numbers. Both numbers are included in the 'Welcome email' you received when opening your Qonto account. However, it is also  accessible online . In the  Business account  section, click on  Accounts  and  See account details .   Your account can receive both standard and instant SEPA transfers. ​ From an account outside the SEPA zone From an account outside the Eurozone, it's just as simple. Qonto allows you to receive transfers from most countries in the world, in most currencies, via the SWIFT network (Society for Worldwide Interbank Financial Telecommunication). All you have to do is initiate a bank transfer to your Qonto account using your IBAN and BIC numbers, you will find this information in the same place as for a SEPA transfer.
Question: How to follow my account transfer progress?

Answer: From the dedicated dashboard, accessible from  this link  you will be able to:  Consult your account information ;  Consult the status of your transition;  Chat with an advisor.    How do I keep track of all my actions? For a complete list of the account transfer actions to be completed, open the  Invoices  section in the side menu.   In the  Suppliers   invoices   section, you will see a list of your outgoing payments. In the  Clients   invoices  section, you will see a list of your incoming payments. When you click to open one of these two sections, you will receive a complete list of actions that have yet to be completed, sorted into categories (direct debit, payments by card, transfers, and more).   When you have completed an action, simply check the box on the card to mark it as completed.   When you have no more cards remaining in your menus, your transfer is complete! You can then close your transfer by clicking on  End the transfer  on your interface and then close your previous bank account.
Question: What kind of identity documents are accepted by Qonto?

Answer: To comply with the rules imposed by the Code monétaire et financier, we are required to verify the authenticity of the identity documents of all Qonto users, as well as the information they contain. These checks are necessary to prevent fraud, money laundering and terrorism.   We accept different types of documents based on country registration: French companies Italian companies Spanish companies German companies
Question: What documents do I need to open a Qonto account for my cooperative based in Italy?

Answer: 1 - Personal Identity documents:  For Chairman of the Board of Directors and Deputy Chairman of the Board of Directors (if any): One valid identity documents. You can find the complete  list of accepted documents here.     2 - Documents related to the company: Visura ordinaria       👉 Only the President or a natural person expressly delegated by him can open a Qonto account in the name of the company (more information  here ).       👉 Cooperatives - With reference to the updates on the collegiate administration of cooperatives in the 2018 Budget Law (Law 27 December 2017, no. 205, Article 1 paragraph 936), the presence of at least 3 directors is required. ​
Question: Where can I find the information of my Italian company on the ordinary chamber of commerce certificate?

Answer: During the registration process, we ask you to have at hand the Registration document of your Company ( Visura Camerale ) in order to be able to provide all the information requested by Qonto.    Below you will find a  a glossary to understand which information we need and where to find the data that will be requested to complete the registration. Company name  ( Ragione Sociale ): The name of the company as per the Commercial Register (e.g., xxx SRL); Legal form:  This field specifies the company's legal form ( i.e., Sole proprietorship, SAS, SRL, SRLS, SPA );  Legal registration date  ( data d'iscrizione ): The exact date when the company has been registered within the chamber of commerce;  Your  company's registration number : this is the REA number that can be found right below the PEC address in the Registration document of your company. 👉 If you are a free-lancer, you will need to provide us with your TAX code;  EU VAT number  ( Partita Iva comunitaria ): The VAT number that allows for intra-community commercial operations with countries belonging to the European Community.
Question: What is considered as a valid proof of address for companies?

Answer: When you make your capital deposit with Qonto, we ask you to justify the address of your company's future headquarters. Find below the list of necessary documents according to your situation!   What is your situation?   Your company is hosted by one of the associates, we need 👥 : A  proof of address  in your name or in the name of one of the associates, at the address of the future office. Your company is not hosted by one of the associates, but : By a third-party person  🧍‍♂️, we need an  attestation of domiciliation   ( model attached )  signed by and on behalf of your host and  a  proof of address . ​ ​ By a domiciliation agency, a business incubator, a coworking space, a school or a public institution   🏢 , we need a  certificate   or   domiciliation contract  issued and signed by this host organization  (or its representative)  and less than 3 months old. ​ ​ By a company  🏭, we need an  attestation of domiciliation   ( model attached )  in the name of the company, plus a  proof of address  in the name of the host company or a  Kbis less than 3 months old  for this address. ​ ​ In a Commercial Premises 🏪 , we need a  signed commercial lease contract  or a  property title  less than 3 month old or a  proof of address .   ⚠️ Important: Your documents must be perfectly readable, in PDF, JPEG or PNG format and in color! You can take your proof in photo with your smartphone.   Download - Template - Letter of Authority from the Property Owner
Question: What is considered as a valid proof of address for natural persons?

Answer: When you do an account opening at Qonto, you may be asked to provide us with a recent  proof of address .   Find below the list of documents accepted by our services: An invoice from an internet or telephone provider , issued less than  3 months  ago. An invoice from an energy supplier  (electricity, water, gas), issued less than  3 months  ago. A certificate of contract holder from your energy supplier,  generally available on the customer area (provided by  EDF for example ), issued less than  3 months  ago. A  payment schedule from an energy supplier (electricity, water, gas), issued less than  6 months  ago. A  rent receipt , issued less than  3 months ago . A  rental lease , signed less than  3 months ago . An  invoice or certificate of home insurance , issued less than  3 months ago.  A  home insurance contract signed less than a year ago  or a  due notice dated less than a year ago. An  invoice or contract for the collection of garbage , issued less than  a year ago. A tax notice or a notice of non-taxation:  The last valid income tax notice (less than 1 year old) or the Housing Tax (less than 1 year old) or Property Tax (less than 1 year old). A  notarial deed  of less  than one year . 👆 Good to know: it is necessary that the document you send includes the postal address of your place of consumption. We take into account the place of consumption and not the address of the mailbox.   If you do not have a proof of address at your first and last name,  you can provide us : A certificate of accommodation dated and signed by the hosting provider. A color copy of your hosting provider's identity document. ( What kind of identity documents are accepted by Qonto? ) A proof of residence on behalf of your hosting provider  (see the list of accepted documents above).   ⚠️ Important: In order to validate your file quickly,  your proof of address must: Be in color Be perfectly readable and crisp  (it must not be blurred or stained, no shadow or flash must hinder the document) Be  complete  (truncated documents will be refused) Indicate a consumption address identical  to the one you  entered when registering Be part of the list  indicated at the beginning of the page Coming from a member country of the European Union  or the EFTA area. Be preferably in PDF format (downloaded directly from your customer area)