ThomasCdnns/qonto-open-qa huggingface dataset:
Question: What is the difference between a SWIFT transfer and a SEPA transfer?

Answer: The  SEPA  network  (Single Euro Payment Area) makes it possible to send euros within the European Union. This network also includes the 4 EFTA countries (Iceland, Norway, Liechtenstein, Switzerland), 4 microstates (Andorra, Monaco, San Marino, Vatican), and the United Kingdom.     The  SWIFT  network (Society for Worldwide Interbank Financial Telecommunication)  makes it possible to send single non-euro transfers anywhere in the world. They are also referred to as “non-SEPA zone” transfers. This means that you can  send transfers  and also  receive transfers , to/from many countries in the world and in several currencies.   Unlike with the SEPA network, banking institutions must pay to access the SWIFT network.     Qonto is connected to both  SEPA  and  SWIFT  networks.
Question: When can I submit SWIFT transfers?

Answer: You can submit SWIFT transfers at anytime while international financial markets are open, in accordance with the terms and conditions of  this article .   When are they closed? Normal weekends (Saturdays, Sundays) E.U. and International banking holidays ​ ex: It won’t be possible to send money to Japan if it’s a Japanese holiday If you are sending USD, U.S. holidays apply  ​ ex : It won’t be possible to send USD to Sweden if it’s an US Holiday 👆 Good to know :   During Night hours some currencies may temporarily not be available. What should I do if this is the case? If you try to make a SWIFT transfer while markets are closed, you may be blocked. If that is the case, we recommend you try again on the next business day during business hours (9am-7pm).
Question: What is my Transfer limit ?

Answer: Instant SEPA transfers   You can create instant SEPA transfers of up to €30,000. If your transfer is over €30,000 or your beneficiary cannot be reached via instant SEPA transfers, it will be carried out like a traditional transfer.   Standards SEPA transfers   You can create SEPA transfers without any amount limits to your beneficiary. If your transfer is greater than €30,000, you will be required to provide proof of payment as an attachment.   💡 To save time in your accounting, we advise you to add proof of payment for each transfer emitted.
Question: Can I add a proof of payment after creating a transfer ?

Answer: When you create a transfer you have the option of attaching a receipt. Moreover, the addition of a receipt may be mandatory for legal reasons in order to proceed the execution of the transaction. Keep in mind that it is never too late to link a document to your transaction ! Processed and processing transfers:   By going to your "history" tab in your Qonto space or mobile app, you can add your receipt 🙂 ➡️ Click on your  Business account  section on your Qonto account ➡️ Go to the  Transactions  tab ➡️ Select the transfer ➡️ Then upload the proof of payment you need to add 🙂  Scheduled transfers Until your transfer hasn't turn into the "processing" status, you still can add a receipt by going to your "transfer" in your Qonto account on your desktop or your mobile app. ➡️ You will have to go to your "Transfer" section on your Qonto account : ➡️ Select the transfer and click on "Edit" ➡️ Then upload the proof of payment you need to add 🙂 ☝️ Make sure that you have a clean and readable document.   Et Voilà, your receipt has been added!   However, if you are unable to make the change, please do not hesitate to contact us via the chat to assist you.
Question: Which document do I need to provide to make an international Swift transfer?

Answer: When you create a new transfer, you need to justify the transaction by uploading a document.  This is necessary for all Swift transfers because these transfers are exposed to a higher level of risk and we need to verify them.  Before setting up a new transfer, it’s a good idea to have your document already at hand (e.g. as PDF, PNG or JPEG).     Which kinds of documents can justify a transfer? Generally, we accept two types of documents: Invoices Contracts Depending on your transfer purpose, the provided document may differ. Typical documents that we accept are supplier invoices, signed sales agreements, payslips, proof of payments or rental contracts.     How do I know my document is valid? The invoice is issued to your company, and your company is the recipient of the services/ goods On contracts, your company's name and legal information are shown (full official names, country of registration, registration number is a plus) The recipients’s name and bank account details in the document match the beneficiary details in Qonto The positions of the invoice indicate a clear value/purpose The invoice must be dated within 3 months The contract is signed by both parties If the beneficiary is an individual entrepreneur, it is necessary to add a contract justifying the transaction   ⚠️ We cannot accept handwritten invoices or blurry pictures.   ⚠️⚠️ If the provided document is invalid, the transfer will be rejected and the money will be returned to your account which may take 3-5 days.
Question: My outgoing transfer was returned to me, why?

Answer: It may be that the beneficiary bank returns a transfer under certain conditions. Indeed, some banks (especially Neobanks) are particularly vigilant to receive a transfer (N26, Compte-Nickel, HelloBank, Revolut ...)   So, make sure to follow that conditions:   - The name of the beneficiary must be exactly the same as on the RIB   If you mention that the transfer is for the company "Qonto", make sure that the company name match the name on the RIB. The transfer can be returned for this reason.   - The reason for the transfer must be clearly identifiable   The reference of a transfer is a vital information for compliance service. Thus, a transfer denominated "invoice" can be returned. In this case, we advise you to clearly indicate the invoice number. Same remark for salaries, we advise you to inform the month and the year of the salary in question.   - The IBAN must be correct   ☝️  Good to know: take a look to the different transfer status  by clicking here . It can provide complementary informations that could be useful in some cases.   The beneficiary's account has been closed? The beneficiary may have closed his account. In this case, we invite you to contact him.   In case of rejection of your transfer by the beneficiary bank, the transfer is credited to your account within 6 to 8 business days (delays may apply).
Question: My Qonto IBAN is not recognised by another bank, what's wrong?

Answer: A few traditional banks operate with outdated IBAN databases.   As a result, while making a transfer to your Qonto account, you might receive an error message claiming that your IBAN (or the BIC / SWIFT code) is not valid.   In that case: enter your BIC  without the final x3 "X"  ( ex: QNTOFRP1 ) get in touch with the bank's Customer Support Team  and ask for the addition of your Qonto IBAN to the database And if it doesn't work (again)? We'll help you find a solution. Please  send us a message  with the following information: A short description of the problem: what was the action you've tried to perform and what was the error message (a screenshot would be much appreciated) The name of the bank involved The IBAN or account number of the issuer's account The transaction concerned: time, reference and amount. We'll then find the best way to solve this issue.
Question: You think you are facing a commercial dispute, what should you do?

Answer: You have made a transfer following a commercial agreement with a third party, you have not received the goods and you have not heard from your partner.   👉🏻  Are you a Qonto customer?    You have made a transfer to one of your partners and they have not fulfilled their part of the contract and are no longer responding to you:   First of all , you need to file a complaint as soon as possible  Once you have received the report, contact our customer service,  which will initiate the request for the return of funds as soon as possible   ☝️ The request for return of funds must be made within 13 months after the execution of the transfer.     👉🏻  Not a Qonto customer?    If you have made a transfer to a Qonto customer, and the latter has not honoured his part of the contract and is no longer responding, we invite you to send us the account information so that we can make the necessary arrangements.   ﻿If you have already filed a complaint, the competent authorities will contact us to continue the investigation. If you have not done so, we advise you to do so as soon as possible and to inform your bank of the situation.
Question: INTERBANK CLOSURE DAYS 2024

Answer: What are public holidays and interbank closures? These are exceptional days which have a direct impact on your banking transactions and extend the execution delays of your transfers. ​ What are the days of interbank closures in 2024? From one year to the next, the public holidays impacted by interbank closures vary. Here are the interbank closing days in 2024: Monday January 1st (New Year's Day) Friday March 29 (Ascension) Monday April 1st (Easter Monday) Wednesday May 1st (Labor Day) Wednesday December 25 (Christmas) Thursday December 26 (day after Christmas) 🌟In case of emergency, you will still be able to send and receive  instant transfers  on these days!     Holidays not impacted by interbank closures Your transfers will be executed normally: Wednesday May 8 (Victory Day) Thursday May 9 (Ascension) Monday May 20 (Pentecost Monday) Tuesday August 15 (Assumption) Friday November 1st (All Saints’ Day) How to anticipate this exceptional situation? Standard transfers created on these days will be scheduled and executed the following business day. Note that instant transfers are available 7 days a week and allow you to pay your beneficiary within 10 seconds! ​ 💡Make your standard transfers as early as possible in the preceding week  before   10:30 a.m. so that they are executed the same day. What if I’m sending overseas?  If you are sending via the SWIFT platform, your ability to effect an international transfer may be subject to local banking holidays in the country you are sending to. Please see this  article for more information .
Question: What is a recalled transfer?

Answer: A recalled transfer refers to a situation where the emitter bank requests the cancellation of a previously executed transfer.   What are the conditions for a recalled transfer? Incorrect amount or IBAN: If the Account Holder entered the wrong amount or provided an incorrect IBAN during the transfer.   Multiple accidental executions: If the transfer has been mistakenly executed multiple times.   How does it work? When the emitter bank wishes to cancel a transfer that has already been credited, our team conducts a thorough analysis. Each recall request must be validated by a Qonto account Admin before it can be executed. Without validation, the transfer will not be canceled, and the emitter will not be refunded.   In the event of a fraud suspicion In cases where the emitter bank reports a suspicion of fraud, our team will investigate the situation and approve the cancellation of the transfer if necessary.
Question: Can I cancel my transfer?

Answer: After validating a transfer, the Admin still has the possibility to cancel it directly from the app (mobile and web) under certain conditions. Scheduled transfers You can schedule transfers to be executed at a specific date. If your transfer hasn't been executed yet, you can edit it or delete it. Once deleted, your transfer won't be initiated ever again. 👉 If the scheduled transfer is created through the  Supplier Invoices  section, the invoice related to this transfer will appear in the “ Scheduled Payments”  tab of the section.   Recurring transfers   A recurring transfer is scheduled to be executed every week or month. As long as the transfer appears in the upcoming transfers and it is not the day of its occurrence, you can delete it: Select the desired transfer, a box will open on your right Click on the ' Cancel ' button in red Pending orders It's a transfer that has been validated but not executed yet. You still can edit or cancel this transfer (under some conditions). ☝️ Good to know: Have a look at  this article  to know how to cancel one of these transfers.   What is the cancellation deadline? Every time that you make a transfer to a beneficiary who has an account with another bank, Qonto stores this information before sending it to Crédit Mutuel Arkéa (this is where your funds are secured). Transfer requests are communicated three times a day to ensure that your transactions are processed quickly.   Once Crédit Mutuel Arkéa collects the information, the transfer is already in progress. You can cancel your transfer by yourself as long as Qonto has not asked Crédit Mutuel Arkéa to initiate the fund's movement to the beneficiary's bank.   This time can vary from a few minutes to a few hours depending at the time the transfer has been validated.   ✌️ Good to know: Take a look at the different transfer status  by clicking here . It can provide complementary information that could be useful in some cases.
Question: Which document do I need to provide to execute a transfer ?

Answer: To simplify your accounting, Qonto allows you to attach invoices to all of your transactions.   When you initiate a new transfer, you need to justify the transaction by providing a document to execute it.   Before setting up a new transfer, make sure that you have a digital version or a picture of the document.   Which kinds of documents can justify a transfer?   Accepted documents depend on the transfer purpose.   The most common are: Transfer type Documents Paying a supplier, a professional An invoice composed of the following information: emitter, company name, amount, and IBAN. Paying your employees A payslip or IBAN Paying your CEO salary An IBAN and/or the written record of the general assembly, if applicable Return money to a business partner A proof of payment and/or a written record if applicable Initiating a transfer to an individual beneficiary A sales announcement, a car registration certificate in case of a purchase, a deed of assignment, an IBAN For international transfer : Kbis + contract Initiating a transfer to regularize a tax situation Any official document provided by one of these public institutions Paying for a rent A lease, an invoice or a rent receipt Acquisition of a real property   A sales agreement signed by both parties Investing money A contract, the general assembly written record, or a notarial act Transferring funds from one account to another (same company) The IBAN of the beneficiary bank, in the company's name How to add documents? Go to the  Business Account  section Click on the  Transfers  tab Click on the  transfer  you want and go to the  Upload document  section at the bottom. Upload the document you have chosen. You also have the option to  Modify transfer , and add any information or document that is necessary for its execution.   Or Go to the Purchases section Then select Supplier Invoices tab Look in the To pay Tab the differents invoices uploaded attach the invoice to an existing transaction or created a payment
Question: When will the beneficiary receive my transfer?

Answer: With Qonto, transfers are instant by default, and so received  within 10 seconds  after they've been sent.   If your instant SEPA fails, you may have the possibility to chose and send a standard SEPA transfer instead. SEPA transfers are usually received within 24 to 48 business hours after they’ve been sent. Sending date depends on the type of transfer you're making: Instant SEPA transfers are sent and received within 10 seconds. Euro standard SEPA transfers made  before 10:30 AM  are sent  the same day  (business day) Euro standard SEPA transfers made  after 10:30 AM  are sent  the following business day Non-euro SWIFT transfers are sent  within 5 business days Please make sure that you have a  sufficient balance  to process your transfer to avoid any rejected transfers.   If your account has been debited, but your beneficiary has not received their funds : immediately for an instant transfer after 48 business hours for a standard transfer Step 1: Check your mailbox, if you have not received any information request from Qonto regarding the transfer, if so, respond to it. Step 2:  Send the proof of transfer  to the beneficiary so that he can ask his bank to do an internal research Step 3: Finally, contact our  Customer Service   ☝️ Did you know? Transfers between Qonto accounts are instant ! ⚡️ Once your transfer has been sent, you can download a  proof of payment . 📄
Question: How to make an instant transfer in euros?

Answer: An instant transfer is a transfer that takes place in a few seconds, unlike a standard transfer that can take up to 3 business days to be received. And most importantly, this type of transfer works every day, at any time, even on holidays.   For your transfer to be instant, it has to meet two main conditions: t must take place within the SEPA zone ( which differs from the Europe zone ) it should not exceed 30,000 euros.   If you send cash to a supplier on a Saturday, for example, this supplier sees the cash on his account within seconds.   At Qonto, sending and receiving instant transfers is free of charge, up to the number of free transfers included in your  plan .   ☝🏻 Please Note: Transfers between Qonto accounts are free of charge, so no additional fees will be charged to your plan for any transfer of this kind.   ☝🏻  In some cases, the instant transfer option will not be possible, you will need to send it as a standard transfer. 🙏🏻
Question: Why was my transfer declined?

Answer: If your transfer was declined, we recommend to follow these steps: Please check if there's  enough money  in your balance to process this transfer Make sure that you select the right operation type (single euro transfer or single non-euro transfer) Make sure that  the name of the beneficiary you have registered matches exactly the one indicated on the RIB  For regulatory reasons, we may not have been able to complete the transfer Do not hesitate to  contact  our Customer Support Team for more information.
Question: How to download a proof of transfer ?

Answer: It is possible to download a proof of transfer directly from your Qonto interface, in case of request for a proof by a third party, for example.   ☝️ Good to know: Downloading a proof of transfer is available to  Account Owner ,  Admins,  and  Managers  with the  appropriate permissions .  ​ Managers without permissions or Employees will not be able to download proofs of transfer, they must contact an Admin or the Owner. Managers who can directly make transfers, not just transfer requests, will be able to download proofs of transfers for the ones they initiated themselves.    To download the proof of transfer, go to your  Business Account section  webapp (desktop only), in the " History " tab. Find the transfer for which you want a proof of transfer and click on it.   In the side panel, click on " Download proof of payment " to download the document as below.   Note: This document can be downloaded only if the  transfer has been executed .
Question: What is pagoPA?

Answer: PagoPA is a platform to make all payments to the PA (Public Administration)  simpler, safer and more transparent.  pagoPA is compulsorily adopted by all Public Administrations and a growing number of Banks and payment institutions ( Payment   Service Providers  - PSP). pagoPA is envisaged in the implementation of Article 5 of the CAD (Digital Administration Code) and by Legislative Decree 179/2012. pagoPA was born for three reasons: push electronic payments in the country, PA payments are relevant in terms of the number of transactions and amount. Let the citizen have freedom of choice when it comes to payments and strengthen cost transparency to reduce the acquiring costs for the PA. What can I pay with pagoPA? PagoPA allows you to pay  taxes, fees, utilities, fees, membership fees, stamps  and any other type of payment to  central and local Public Administrations , but also to  other subjects , such as publicly owned companies, schools, universities, ASL.   What are the advantages of pagoPA for my business? The main advantage of using the pagoPA system is to rely on  a single, simple, fast and transparent payment system  (certainty of commission costs, clarity of amounts, etc.), to make any type of payment to the Public Administration. In particular: transparency of commission costs certainty of the debt owed, with the possibility of obtaining the discounting of the amount (i.e. the amount to be paid is always the valid one required by the PA. If the amount varies over time due to default interest or other, it is always updated on pagoPA ) simplicity and speed of the process: just enter the warning code (IUV Identificativo Unico Versamento) to pay and receive the release receipt or the certainty that the PA has collected the tax and there will be no subsequent verifications or investigations.     What is the security level of payments made on pagoPA? The level of security is guaranteed by adherence to the security regulations established by the Payment Card Industry (PCI) and adherence to the requirements on Strong Authentication provided for by PSD2. All payment institutions (Paid Service Providers) participating in the pagoPA system must comply with the security and fraud prevention requirements imposed by the PSD and PSD2.   Why can I no longer find the MAV / RAV bulletin in the payment notification? By joining pagoPA, the Creditor cannot use MAVs or RAVs. Can I also collect credits from the public administration with pagoPA? No, the pagoPA system only allows payments to the Public Administration.   For more information about how to use pagoPA on Qonto, you can visit our dedicated article:  How does pagoPA work on Qonto?
Question: What are the different status for an outgoing transfer?

Answer: Each transfer (or transfer request) made has a status that allows a real-time follow-up.   " Pending " 📁 You've probably just created your Qonto account, and it has not yet been verified by our team. The transfer will be executed as soon as it's done. In the meantime, you can always modify or cancel the transfer.   " Scheduled " 📆 The transfer is scheduled and will be executed later. As long as the transfer is not labeled "in progress", you can still modify or cancel it.   " In progress " ⌛ The transfer is taken into account, but has not impacted your balance yet. In other words, the amount has not been sent. In some cases, you can still modify or cancel the transfer, if it has  not been executed .   " Sent " ✅ The transfer has been executed, and the funds have been sent out. It is impossible to cancel it at this stage (we advise you to contact the beneficiary directly if necessary).   " Declined by Qonto " ❌ There are several reasons why we may have to reject a transfer. For example, the beneficiary's account may have been deleted. Do not hesitate to contact our customer service, our agents will be able to give you more information.   " Canceled " ↩️ You canceled the transfer before it was executed. Your account balance will therefore not be impacted.