ThomasCdnns/qonto-open-qa huggingface dataset:
Question: Is Qonto certified ISO 27001?

Answer: Qonto holds an  ISO 27001  certification for its e-invoicing solution, in accordance with the requirements of DGFIP. Our servers are hosted on ISO 27001 certified platforms, including AWS and Outscale. Additionally, Outscale is SecNumCloud certified to enhance the security of our services.   The  ISO 27001 certification  allows companies to demonstrate their security level. However, as a payment institution regulated by the ACPR, Qonto is already subject to various equally strict  security requirements  which are regularly monitored by the ACPR: EU Directive 2015/2366 on Payment Services  (DSP2), EBA Guidelines on ICT and Security Risk Management , Decree of 3 November 2014  and  notice on IT risk management  of 7 July 2021 published by the ACPR, Compliance with PCI DSS security rules Digital Operational Resilience Act (DORA)  Regulation 2022/2554, which will enter into force in 2025.
Question: How can I contact Qonto's legal department?

Answer: Qonto has two pec addresses dedicated to authorities, to be distinguished according to the nature of the contact. Specifically: If you need to share with our legal service significant changes in the company such as  bankruptcies, foreclosures, liquidations ,  abandonment of pending proceedings  invite your  attorney, or bankruptcy trustee or judicial commissioner  to write to this address:  [email protected] ; Regarding  criminal police investigations and inquiries, seizures or complaints , law enforcement agencies can contact us by sending a pec to this address:  [email protected] . ​ N.B.  Any request not relevant to these two offices will not be taken.   👉  Any other questions or inquiries should instead be directed to our customer service department  via chat directly from your Qonto interface or by logging into our  Help Center  and clicking on the purple button at the bottom right.
Question: Legal Mentions

Answer: Disclaimer: The following translation is provided for your convenience only. Only the original French document of the respective  is legally binding. This applies to all of our legal documents.   Qonto Platform   EDITOR   OLINDA, simplified joint-stock company with a capital of €256.722,35, registered with the Trade and Companies Register of Paris under number 819489626, with registered office at 18 Rue de Navarin, 75009 Paris     Publication Directors   Mr Steve ANAVI, President Mr Alexandre PROT, General Director Web host   Amazon Web Services
Question: What is the difference between Qonto and a traditional bank account?

Answer: Qonto is a  payment institution supervised by the Banque de France  (under number CIB 16958).   We allow existing companies as well as companies that are under the registration process to benefit from  a current account  and  all the means of payment they need  to run their activity efficiently :  Debit cards (physical, virtual, and instant cards) Instant transfers International transfers Check deposit (only to companies registered in France) However, these are the main differences between your Qonto account and a traditional business account: Your Qonto account cannot be overdrawn. We do not allow cash deposits. We provide loans through our partners. Know more about our offers, available through the financing section, in  this article . With Qonto, you have all your finance needs safely organized under one roof, whether you’re alone or leading a team : Collaborate as a team : Order payment cards online for your team, instantly create virtual cards to pay online, control your spending by defining payment limits per card, invite your accountant in 'read-only' mode and download your transaction history (and attachments) for seamless accounting. Say 'Goodbye' to paper : Gather your suppliers' invoices and your employees' receipts in your Qonto account. You will never ever chase receipts or invoices at the end of the month again. Manage all your Customer and Supplier invoices in Qonto : Get paid quicker with Qonto’s invoicing tool and save precious time on your supplier invoices management. Connect your Qonto account to your favorite applications : Whether it is your CRM, your payroll, or invoicing software – gain efficiency with our third-party integrations. Rely on stellar customer service available at all times:  Our customer support is available 7 days a week to answer all your questions, in just a few minutes via chat on mobile or computer. Always understand what you pay for : Qonto's mission is to offer you a business account at a fair and transparent cost. You can always see in real-time the fees you may have to pay for operations outside your package. We explain the calculation of your fees  in this article. Have the assurance that your money is protected:  At Qonto, your funds are guaranteed by the Fonds de garantie des dépôts et de résolution ( FGDR , the French public interest organization whose mission is to protect customers in case of bank failures). Read  our article  on the protection of your funds. Start saving time and being more efficient: Sign up for Qonto today!   *Some features are only available on Essential, Business, and Enterprise plans.
Question: What is Qonto?

Answer: Qonto is the solution that simplifies financial management of freelancers, SMEs, startups, and associations* ​ Our business accounts offer numerous advantages : 100% online:  open your account in minutes, get your IBAN instantly and order your Qonto MasterCards from the app Helping you  make your accounting easier  with automated receipts matching, personalized labels and so much more Offering complementary capabilities  related to  invoicing ,  cashflow  and  suppliers  management. Designed for teams:  team members can manage their transactions via their own user account Integrated with the best 'fintech' and 'SaaS'  (Stripe, Slack, Sage, Cegid...) Available and reactive customer support:  7 days a week, via chat, phone, and social networks. Qonto is simpler, faster, and its pricing is fairer than any traditional bank.   With Qonto you don't only open a business account, you also get access to a tool that makes your financial management more... Efficient:  an account that you will understand effortlessly, and that will make you save a lot of time with complementary capabilities User-friendly:  we abstain from useless processes to guarantee our users the best banking experience possible Collaborative:  manage your team members' user rights in a few clicks and give them the autonomy they need while controlling your company spendings Connected:  seamlessly connect your favorite business software and always keep track of your finances, wherever you are, thanks to our application. so we don't do personal accounts (yet!).
Question: What's the story behind Qonto?

Answer: You think that the traditional banking experience is time-consuming, lacks transparency and doesn't cater to your needs?   That's exactly what happened to Alex and Steve, who were  very frustrated with their bank  when they started their first business.   That's why they decided to launch Qonto,  the first business account that you can manage 100% online , dedicated to SMEs and freelancers.   Qonto aims at  reinventing the whole banking experience for entrepreneurs : a quick and seamless account opening, an efficient tool to manage your finances and a great customer support!   Qonto, why this name?  Alex and Steve wanted to launch a fintech startup with European ambitions.   Account in English... Compte in French... Konto in German... and conto in Italian... this is how they came up with  Qonto ! A name that all European countries could understand.
Question: I want to join the team, what should I do?

Answer: That's great! We're always looking for  talented people  with a  positive mindset  to strengthten our team and share good times. Have a look at our  job board  to check if there's an opportunity matching your profile and  apply directly online . We're looking forward to meeting you!
Question: How does the Amazon Business and Qonto integration work?

Answer: Buying on Amazon Business? Connect Qonto to your Amazon Business account to save time and simplify your month-end accounting.    No more manual data entry - simply automate the import and reconciliation of your Amazon Business invoices with your Qonto transactions.     How do I set up integration? N.B.: You must be a Qonto  Admin  to set up this integration. Go to  Integrations and Partnerships → Integrations  and enter "Amazon Business" in the search bar of your Qonto app. Click on the Amazon integration, then on  Connect  in the top right-hand corner, and follow the steps below: Log in to your Amazon Business account and authorize data sharing between Amazon Business and Qonto. Once redirected to Qonto, choose the date from which you wish to retrieve your Amazon data (up to one year's history). Click  Finish  to launch synchronization; this can take up to 5 hours. Once set up, synchronization happens daily between 21:00 and 22:00 (Paris time, CET). And you’re all set for effortless reconciliation between your Amazon Business and Qonto accounts. Access your invoices at any time from the  Supplier invoices  section of your account.   Who can access this integration? This integration is available for any Qonto user who uses Amazon Business to purchase goods and has the ability to connect to the reconciliation API. These users can automatically receive invoices from a payment made with a physical or virtual Qonto card.   What will this integration let me do? This integration lets you automatically import all of your Amazon Business invoices (credit notes are currently not supported) in the  Invoices → Supplier Invoices  invoices section on your Qonto app. After import, invoices are automatically attached to the corresponding Qonto transactions.   How often does transaction synchronization happen? Once set up, synchronization happens daily between 21:00 and 22:00 (Paris time, CET).   Can I see my full invoice history? You can retrieve all of your Amazon Business invoices for up to one year, from the date the integration is set up. Once launched, synchronization can take up to 5 hours, depending on the volume of data being processed by the Amazon Business API. If you find that some of your invoices are not imported, the Amazon Business API will complete synchronization the next day.   When are invoices created in Amazon Business? You'll receive an Amazon Business invoice for each transaction you make with a Qonto payment method. For each charge you see on your credit card, you'll receive an invoice direct to your Qonto app.   Where can I find my Amazon Business invoices? Once you’ve integrated Amazon Business, your invoices will be imported in PDF format and available in the  Invoices → Supplier Invoices  section of your Qonto account. You can also retrieve them from your transactions once we've reconciled them with your invoices.
Question: What's the Nexi solution dedicated to Qonto?

Answer: ☝️ The Nexi solution is only available for our Italian customers.   Qonto has chosen Nexi, the Italian leader in the sector, to allow you to have a flexible POS, which offers multiple services and customised integrations based on the needs of local businesses.   Nexi readers are very easy to use, even for the less experienced.   The Nexi offer for Qonto customers includes 3 terminals, whose solution is customised and adapted to the needs of each individual business:  SmartPOS mini with printer  (ZERO activation and installation costs)   SmartPOS mini without printer with no extra fee charged  (One-time charge activation fee of 149,00€) Portable Mobile POS portatile with no extra fee charged  (One-time charge activation fee of 59,00€) Soft POS with no extra fee charged  (One-time charge activation fee of 39,00€) Are you happy with the above offer? Order your POS at the  dedicated page . ​ ​ Nexi Business App Nexi not only provides a terminal, but also an App on mobile, called  Nexi Business App,  through which you will have access to additional integrated services and detailed dashboards to manage and monitor your payments 😉   For instance, you will be able to: Design and customise the catalog of your online products by optimising your sales experience Send digital receipts to your customers via SMS or email Cash out even remotely thanks to Pay-By-Link Create and manage accounts for your employees by monitoring their performance Follow the evolution of your sales and compare them to market benchmarks Accept tips, make cancellations and collect customer opinions!   How do Nexi card readers work? Using Nexi to receive payments does not require any complex deployment or procedure, on the contrary, it only takes a few simple steps: Visit the dedicated page and order the POS that best meets your needs Register on the Nexi website Receive confirmation of approval along with credentials to activate the App directly on the email used during registration If you have chosen a terminal that requires the installation of a technician, make an appointment to finalise the activation That's it, your mobile POS is perfectly set up! ✅ To receive your payments, your customer only has to place the card on the reader or, alternatively, use Google Pay or Apple Pay via mobile phone with the NFC function activated Share the receipt with the customer, even in digital format via email or text message In case you were facing difficulties in the configuration, we recommend to contact directly Nexi assistance available 24/7h.
Question: Can I link a card reader (POS) to my Qonto account?

Answer: ☝️ Please note: the Nexi offer is only available for our Italian customers.    We realised clients needed to have an intelligent and practical card reader to be connected to the account, in order to accept card payments quickly and easily.   Our partnership with Nexi, a leading company in the digital payments sector, was born from such premise. Nexi offers a variety of solutions thanks to its in-depth knowledge of local businesses and professionals' needs. 🤩   Thanks to our collaboration you can access different types of terminals equipped with Bluetooth, mobile data or Wi-Fi connection.   In addition, Nexi POS allows you to: Accept all cards, including PagoBANCOMAT® even in Contactless mode and meal vouchers from major issuers Receive credit within the next business day directly to your bank account Collect anywhere, thanks to Pay-by-Link In short, a complete, flexible POS, with no hidden costs and completely safe, 100% in line with the Qonto philosophy! 💜    How much are the card readers proposed by Nexi?   Nexi has reserved some special offers and conditions for Qonto customers. If you wish to know more, you can visit the dedicated page clicking  here .
Question: How can I benefit from the LoungeKey™ service?

Answer: Your X card gives you access to more than 1100 airport lounges worldwide.   This card gives you access to the lounge regardless of the airline you choose and the type of ticket you have. In order to test the lounge and know if this is a service that you will like, your first entry will be free. You will then get a lounge entry for a discounted price of just €30 whenever you want to use this service.   How does it work? Consult the list of available lounges on our  partner's website  and all the conditions of access, Present your X card at the lounge reception desk, specifying that you have LoungeKey access. First entry free, €30 entrance fee to the lounge for the next times. Enjoy a relaxing moment before or between your two flights. Shall I download the LoungeKey app? Please note that you don’t have to register or download the app to access the airport lounges. Your X card is enough.   However, LoungeKey provides an application to discover the list of available lounges and register before your visit. ( iOS  -  Android )   Good to know As this service is provided by a third party, Qonto cannot guarantee entry, lounge availability and listed services.   However, if you experience any issues accessing a lounge, please let us know !
Question: How can I benefit from the concierge service?

Answer: Thanks to your X card, you can benefit from our concierge service!   What is a concierge service? It’s an extra help that you can receive 7 days a week to facilitate your business and personal life. 🙂 Indeed, the concierge service included in your X card allows you to request for free*: information, bookings and quotes depending on your needs. Here are a few examples of requests :   📝  Legal and administrative information (visa, legal, Covid-19, insurance…) ✈️  Flight/train booking search 🧹  Cleaning services 🚗  Car rental (in France and abroad) 🏨  Accommodation search (short and long term rentals) 💐  Flower delivery (even abroad) 🛠  Handyman services 👨‍🍳  Restaurant booking 🎟  Ticket booking (concerts, sport events, ...) None of what you need is on this list? No worries, you can still send your request! Our concierge team will do its best to assist you 🙌 ☝️  Any information request or booking assistance is free of charge. Regarding other services, you will receive different quotes from the concierge to make your choice.   How to make a request: First, make sure your X card  has been activated. From your computer interface, click on the section  Business account , click on  Cards , and on the relevant Metal card. You can access to  Concierge and lounge  option at the bottom on the right. In the  Concierge  section, click on  Make a request . Submit your request on the text box, and provide as many details as possible (For example:  Hi, I would like to know the entry requirements to travel to the US as an Italian citizen, for my business trip? ) Choose if you prefer to be contacted by SMS or by e-mail. Once the request has been formulated and submitted, your concierge will get back to you between 9 am and 9 pm. Then, you’ll be able to chat with them by SMS or e-mail based on what you have chosen. On  Mobile App  the Concierge section is under  More  >  Settings & Tools .     Good to know: 💬  Our concierge can speak French, English, Italian, Spanish and German. 🆓  You can contact the concierge for free only if you hold an X card  under your name.
Question: Can I request a higher monthly limit for my online advertising card?

Answer: Yes, you can request a higher limit of up to €1,000,000 per month and per card. Please note that this limit is  subject to eligibility and approval from Qonto .   What are the eligibility criteria for obtaining a higher limit? To be eligible for these higher limits, you must meet these 2 conditions: you must have an average balance above €1,000,000 in your account over the last 3 months you must have spent over €100,000 in online advertising (with any type of payment method) for 3 consecutive months Please note that meeting this criteria doesn’t guarantee automatic approval.   If I meet the criteria, how can I request this higher limit? To request a higher limit, you can send us an email at  [email protected]  with the following information: your name your company name the amount required a brief explanation outlining your need for the higher limit Our team will review your request and provide you with the necessary steps to follow.
Question: Can I use my Qonto card abroad?

Answer: Of course! When you're abroad, you can  make payments  with your Qonto Mastercard and  withdraw money  from any ATM. Wherever Mastercard is accepted, you'll be able to use your Qonto card. More than  36 million  places around the world accept Mastercard, so you can travel as much as you want!   How can I pay abroad? All Qonto cards are already enabled by default to process payments abroad, therefore no activation action is required by our customers.   If you need to travel abroad, we advise you to to read the section below  Report your trip abroad  as a preventive measure, to avoid having your card blocked for security reasons.     Report your trip abroad It may happen that your card is blocked, for security measure, when you are abroad in a sensitive country.   If you are travelling abroad in one of the countries listed below, we ask you to contact our customer service team about two weeks before your trip and declare: the return date of your stay abroad an estimate of your expenses per week with the card concerned the nature of your trip (business/private) the last 4 numbers of the cards concerned 👆 The request will be processed subject to the approval of our dedicated team   Here is the list of countries concerned Afghanistan Anguilla Azerbaijan Bahamas Belarus Botswana Burundi Cambodia Cayman Islands Central African Republic Cuba Democratic People's Republic of Korea (North Korea) Democratic Republic of Congo Eritrea Ghana Iraq Islamic Republic of Iran Kyrgyzstan Libya Macao Mongolia Myanmar Nauru Nicaragua Pakistan Philippines State of Palestine Panama Republic of the Congo Russian Federation Saint Kitts and Nevis Somalia South Sudan Sudan Syrian Arab Republic Trinidad and Tobago Tchad Uganda Vanuatu Venezuela Virgin Islands, British Virgin Islands, U.S. Yemen Zimbabwe
Question: How can I remove my Qonto card from Apple/Google Wallet?

Answer: Apple Wallet The steps to remove your Qonto card from Apple Wallet depend on the chosen device. Here are all the processes in detail.   How to remove a card on your iPhone or iPad? To remove a card you've added on your iPhone or your iPad, you can: Click on  Wallet & Apple Pay  from the  Settings  section of your iPhone Select the card you want to remove and confirm your action by clicking on  Remove this card ☝️ Good to know: On your iPhone, you can also remove a card from your Wallet app, but also from your Qonto app. Just click on  Manage from Apple Walle t, in the  Cards  section's  Settings  of your Qonto app.   How to remove a card from your Apple Watch? Go to the  My Watch  section of your Apple Watch app. Click on  Wallet & Apple Pay  then on  Default card  and follow the process.   How to remove a card from your Mac? To remove a card that you use on your Mac, go to the  System Preferences  section, then to  Wallet & Apple Pay . Click on the card you want to remove, then click the minus ( – ) sign to remove the card.   Google Wallet How to remove my Qonto card from Google Pay? If you would like to delete your Qonto card from Google Pay, open your Google Pay app. Select the card you want to remove, then click on the button on the top right corner of the screen and tap  Remove .
Question: How can I pay with Apple/Google Pay?

Answer: How to pay in stores? Time to pay? Authenticate with Face ID or Touch ID and position the top of your phone or your watch within a few centimeters of the contactless reader, until you see  Done  and a checkmark on the screen. Keep your eyes open! You can use Apple/Google Pay whenever you see one of these symbols: ​ ☝️ Note that contrary to contactless payment by card, there is no amount limit when you're using Apple Pay in-store.   How to pay online? During checkout, select  Apple/Google Pay  (available in Google Chrome browser) payment method by clicking on it. Review all the information about your order (credit card, shipping address and contact information) and complete the payment. You can authenticate with Face ID or Touch ID to confirm the payment.   Who can use Apple/Google Pay? You can use Apple/Google Pay no matter which plan or card you have. All Qonto cards are compatible with your Apple devices. In stores,  Apple Pay  works with iPhone SE, iPhone 6, and later, and Apple Watch while  Google Pay  works on Android devices running Lollipop (5.0) or higher.
Question: How can I add my Qonto card to Apple/Google Wallet?

Answer: Here are the different steps you have to follow to add your Qonto card on your phone: From the section  'Cards' Select the card you want to add to your Apple/Google Wallet Click on  Add to Apple Wallet  or  Add to Google Pay  and follow the instructions   ☝️ Good to know: you can add all your physical, virtual or Instant Qonto cards to your Apple/Google Wallet. You just need to follow the different steps depending on the chosen device.   👉  Check this article  to know how to delete your Qonto card from Apple Wallet.