ThomasCdnns/qonto-open-qa huggingface dataset:
Question: What do the two graphs ‘Inflows by’ and ‘Outflows by’ in my dashboard represent?

Answer: When to use? Inflows: I want to compare how much money I am making from each of my clients so I can decide where to focus my efforts for the next quarter. Outflows: I want to understand how much I am spending on food and catering to determine if my increased costs are related to this category of expenditure.   Definition These two graphs are there to help you understand what your inflows and outflows consist of.   👆 Good to know: internal transfers are not included in the charts when  All accounts  is selected.   Description 👆 Good to know: In order to take advantage of these graphs, you need to categorise your transactions, using the suggested categories, or your custom label categories.   These graphs take the form of donut charts.   Each component of the category you are studying is represented by a different colour. If, in the "Inflows by" graph, you are on the "customers" category, and you have 4 customers, the donut will therefore be composed of 4 colours. If one of your customers represents half of your income and is represented by the colour yellow, the donut will be half yellow. The other 3 customers and their corresponding colours will then be spread over the second half of the donut.   Up to seven elements can be represented, corresponding to the most significant ones in the category studied. If there are more, you will have 6 elements, and a seventh one grouping all the others. To see the details of this last element, simply hover over it with your mouse.   In the middle of the donut chart, the total amount of the category appears. For the "Inflows by" donut, it is positive. It is negative for the "Outflows by" donut. Each item is listed in the legend, with its corresponding percentage.   Basic customization Your incoming and outgoing flows can be studied more closely: Inflows: categories, source Outflows: categories, member, beneficiary Advanced customization: custom labels and teams Custom labels, available for Smart, Premium, Essential, Business and Enterprise plans, can be used to compare your cash flow types with each other, according to your needs. Visit this  article  to learn more about custom labels.   If you have one or more teams on your Qonto account, you can also filter by team or by member. Read more about teams in this  article .   In case you want to have an even deeper understanding of your flows thanks to those two charts, you can filter your transactions comparing different criteria. To know more, go to  this article .   👆Good to know: By hovering over each part of the donut, a pop up window appears with: the share the item represents on the category it belongs to the number of transactions it includes the total amount of these transactions the evolution of this amount compared to the previous period, in case the account is old enough to compare Customization is only available on your web app.   To learn more about your dashboard, click here: What are the basics to manage my dashboard? What do the four indicators on my dashboard represent? What does the ‘Cash Flow’ graph on my dashboard represent?
Question: What does the 'Cash Flow' graph on my dashboard represent?

Answer: When to use? I want to validate the effect of seasonality on my business, suspecting a drop in activity in summer for example I want to understand the impact of recruiting a sales agent at the beginning of the year, between the cost and the business he or she brings in.   Definition Cash flow is the distributed evolution of your cash inflows and outflows over time.   👆 Good to know: internal transfers are not included in the charts when  All accounts  is selected.   Description Cash flow is illustrated as a bar chart with a green bar for inflows and a red bar for outflows, for each month. A purple line will show the account balance. For the current month, the curve will be a dotted line illustrating that the month is not yet over.   👆 Good to know: This curve may temporarily fall below the horizontal axis. This can happen in the case of a month in which you have more expenses than money coming in.   Customization You can change the period studied, to the current year, or the last 12 months.   👆 Good to know: Here you can move your mouse over two types of elements: The sticks, both red and green. Hovering your mouse over it will make cash flows related information about each stick appear. The month itself, which will show you a summary of the month you are focusing on. On mobile, scroll horizontally on the chart in order to see the month you want to explore, and click on it to see the details.   To find out more about your dashboard, click here: What are the basics of managing my dashboard? What do the four indicators on my dashboard represent? What do the two graphs ‘Inflows by’ and ‘Outflows by’ of my dashboard represent?
Question: How to calculate the net treasury of a company?

Answer: To determine a company’s financial health, we need to think in terms of net treasury, or net cash, rather than available treasury. Net treasury is the total value of available funds in a company’s accounts  once short-term costs and expenses have been settled . It can be calculated with the following equation: Net treasury = Available funds - short-term debt   If these terms seem complex, don’t worry. All will be explained!   A company’s available funds are the sum total of  all the financial resources that it can access or mobilise  to maintain its activity. In other words, it’s a company’s treasury: cash held in savings or current accounts as well as the marketable securities mentioned above.   Short-term debt is the sum total of  all the payments a company needs to make in order to finance its continued activity . They include: Staff salaries Purchases ordered from suppliers Rental costs Social costs and taxes (VAT, income or corporate taxes, real-estate contributions etc.) All other short-term costs needed to keep business running (maintenance costs, raw material costs, software, hardware, stationary etc.) There are three possible scenarios when it comes to net treasury: When the funds available to a company are greater than the short-term debt, the net treasury is positive . It has a positive cash flow and is ‘in the black’; its financial situation is, on the face of it, healthy. It is able to pay all its costs without having to resort to financial assistance from elsewhere. When the funds available to a company are equal to the short-term debt, the net treasury is zero . Its financial situation is said to be balanced. It doesn’t require any external financial assistance but it remains vulnerable and will be unable to pay any unforeseen or ‘extraordinary’ costs. When the funds available to a company amount to less than the short-term debt, the net treasury is negative . It is in deficit or ‘in the red’. The company lacks financial resources and will need outside financial support to be able to continue to operate. To better understand, let’s take a concrete example: Max owns a business specializing in car rentals. His company’s treasury, or the cash available to it (in bank accounts and in marketable securities), amounts to 100,000 Euros. His short-term debts include social charges and tax, employee salaries and vehicle maintenance and they all add up to 50,000 Euros. To calculate his net treasury, Max makes the following calculation: Available funds - short-term debt = Net treasury 100,000 - 50,000 = 50,000 His small car rental business has a net treasury of 50,000 Euros. His treasury is positive. Max’s company is ‘in the black’ and ready for business.
Question: What do the four indicators in my dashboard represent?

Answer: When to use? I want to know how much money I have in my account, to know if I can buy equipment. I want to compare my expenses this month with those of last month, to see if my efforts to save money are successful. Definition These four graphs allow you to discover at a glance: Your available balance, i.e. the money you have in your account Your cash flow variations, which represents the difference between your income and your expenditure (aka cashburn) Your Inflows, which is the money you have earned Your Outflows, which is what you spent 👆 Good to know: internal transfers are not included in the charts when  All accounts  is selected.   Description Each graph in this section takes the form of a curve, with a vertical axis (the amount, in euros), and a horizontal axis (the period studied, in days, weeks or months). Whatever the period you choose, the amount displayed at the top left of each graph corresponds to the timeframe selected.   Customization For each graph, you can choose the period you would like to explore further.   In case you want to have an even deeper understanding of your flows thanks to your Inflows and Outflows charts, you can filter your transactions comparing different criteria. To know more, go to  this article .   👆 Good to know: When you hover over a curve or a line, you can see the details of your indicator, over the given period. For example, if you hover over your Outflows chart, set to 'last 30 days', you will be able to read the number of transactions that took place on that day, as well as the total amount these transactions represent. On mobile, the same process applies for your first 4 charts. Hold your finger on the screen and drag it to the date you want to explore in order to get more details.   To find out more about your dashboard, click here: What are the basics of managing my dashboard? What does the ‘Cash Flow’ graph on my dashboard represent? What do the two graphs ‘Inflows by’ and ‘Outflows by’ of my dashboard represent?
Question: Why can’t I create multiple accounts?

Answer: This article only applies to companies registered in Germany, Spain, and Italy with a Smart, Premium, or Team plan.   If you are a  Smart,   Premium,  or  Team  plan customer from a  German, Italian or Spanish organization, and  you created your account  before we introduced local IBANs to foreign companies , here is why you currently cannot create multiple accounts.   Why is the creation of new accounts blocked? The  multi-accounts  feature allows you to create up to five current accounts with dedicated IBANs and payment methods. Today, these accounts are automatically created with an IBAN from your country. For instance, if your Qonto account is registered as German, you can only create new accounts with a German IBAN. It is the same for Spanish and Italian companies.   Since February 2020 for Italy and Spain, and June 2020 for Germany, Qonto customers creating new bank accounts are getting a local IBAN assigned by default. If you opened your main current account with Qonto  before  these dates, you were automatically assigned  a French IBAN . Just because at the time, we could not provide you with a local IBAN according to your company’s nationality.   Unfortunately, as of today, Qonto does not support IBANs from different countries within the same Qonto account. It means that if you have a  main current account with a French IBAN, you cannot have other ones with a German, Spanish or Italian IBAN.     What options do I have? You can create a new Qonto account, so you’ll have a local IBAN, and close your account with FR IBAN. That way, you’ll be able to use the multiple accounts feature.     👉 Do you want to know more about multiple accounts? Check this article: What are multiple accounts?
Question: What is a company's treasury?

Answer: Treasury brings together the  entirety of the funds available  to a business in the short term. These funds can be: Cash held in the company’s current account Cash kept in savings or investment accounts Marketable securities 💡 Useful tip: marketable securities are assets or financial instruments that can be liquidated, i.e. turned into cash, at short notice. For example, a company can invest in another business by buying shares and then selling those shares if it needs the liquidity. It’s a useful way of making profit out of excess cash.   A company can turn to its treasury when it has a short-term need (current expenses, non-forecast costs related to higher sales, increased staff costs during seasonal peaks and so on).   Careful! Don’t confuse  treasury  with  turnover  or  profit.   Turnover is the total amount generated by sales of a product or service.   Profit is what remains once total costs have been subtracted from the turnover. Unlike treasury, it does not take into account the entirety of funds available to a company (think of your marketable securities for example).
Question: What are the basics for managing my dashboard?

Answer: Your  Dashboard  is accessible from your computer and your smartphone. As an Owner, Admin or Accountant, you can access it on your web app by clicking on  Cashflow management  in the left sidebar of your web application, or on your mobile app, by tapping on the  More  section at the bottom right of your screen, and then on  Dashboard .   This app page helps you track the money moving in and out of your Qonto account. If you have multiple accounts, you can choose one or see them all. The data presented on the page will reflect to your selection.   The dashboard consists of different sections: Indicators Cash flows Inflows and Outflows, filterable on your web app 👆 Good to know: internal transfers are not included in the charts when  All accounts  is selected.   Before exploring the different sections, here is some basic information to help you understand how your dashboard works.   Memory of your graphs The chart options for a given member are stored on each device. If you choose to change the time period of a chart, the next time you log in to Qonto on the same device with your profile, these settings will still be in place. The chart options for a given "member" are stored for each organization. If you have multiple accounts, the settings you set for company A will only be valid for company A. They will not be applied by default to Company B and C. The graphics options are specific to each member for the same account. If you are the account Owner and your partner has Admin access, your chart settings may be completely different for each of you. Elements shared by all charts All charts you can explore share the same characteristics. For each of them, you will be able to : Change the timeframe to either cumulative or running. Cumulative considers the total from the chosen period's start, like a month, quarter, or year. Running calculates using the last 30 days, 3 months, or 12 months from today.   For example, if you want to know the sum of your past expenses on the 2nd March for the month of March, you will have to select "Monthly Cumulative" in your settings. Still on March 2nd, if you want to know your expenses over the last 30 days, you will have to select "Last 30 days".   👆 Good to know: with a Smart, Premium, Business or Enterprise plan, you can define a custom period.   Discover details by hovering your mouse over a coloured element, whether it is a line, a stick or part of a circle, it will bring up a pop up window giving you more details about the element in question. On mobile, the same process applies for your first 4 charts and your ‘Cash Flow’ chart. Hold your finger on the screen and drag it to the date you want to explore in order to get more details.   Now it's time to explore each of the sections. What do the four indicators on my dashboard represent? What does the ‘Cash Flow’ graph on my dashboard represent? What do the two graphs ‘Inflows by’ and ‘Outflows by’ represent in my dashboard?
Question: How to customize the shortcuts on the mobile app?

Answer: Your Qonto mobile app offers you the option to  configure shortcuts on your home screen , allowing you to save time by quickly accessing the features you use most frequently. Let's dive into how you can do this!   What are the shortcuts and how can I use them? Shortcuts are buttons displayed on the home screen of your mobile application. They allow quick access to specific actions and are tailored to your specific role, plan, and permissions within Qonto.   To trigger an action using a shortcut, just tap on the icon associated with the desired action, and it will execute the corresponding function.     How can I customize the shortcuts? You can customize the shortcuts displayed on your home screen in the  Edit shortcuts  section. To access it, tap the three dots located at the top right corner of the shortcuts container on the home screen.   This action will open a library of customizable shortcuts.      In this section, you can take the following actions: Remove a shortcut: tap the “cross” button next to it in the “ Visible ” section Add a shortcut: tap the “plus” button next to it in the “ Hidden ” section Rearrange the order of visible shortcuts: drag and drop the selected items after long pressing the small dots on the top left. ☝️ Good to know: You must have at least  one   (1)  shortcut on your home screen, and the maximum limit is  four (4)  shortcuts.
Question: What are multiple accounts?

Answer: Since October 2020, at Qonto, you can have various current accounts with dedicated IBANs, bank statements and payment methods. That's what we call multiple accounts.     How many accounts can I have? If you have at least one  Smart  plan on our Solo offer or if you have chosen a plan in the Team offer, you can open multiple accounts based on your needs.    The following tables show you the maximum number of multiple accounts you can have depending on your plan  (including your main account)  :   Solo offer Basic Smart Premium 1 2 5 Team offer Essential Business Enterprise 5 10 25 (additional charged)   For example, you can create multiple current accounts to: Divide your expenses items and save some money Separate the different activities your run in your company Allocate budgets (and credit cards) to your teams This way, you can keep an eye and manage your cash flow, as desired.   How can I create a new current account? When you register on  Qonto , you open a first current account. Then, directly from your Qonto app, you can create four other more. To create a new current account, all you have to do is: Go to the  Business account  section of your Qonto web app, and click on  Accounts Click on the  Create account  button Select the type of account (current or term deposit) and choose the name of your new account, and that's it! ☝️ Good to know: The name you have chosen will appear on your bank details and on your statements, you can read the following article to have more information  How can I rename my Qonto current account?     How does it work? The answer is quite simple: no matter if you have one, two, or five current accounts, they all work the same way and offer the same features. Basically, you can associate cards, make transfers, establish SDD, make payments, and receive money on each one of your accounts.     ✌️ Good to know: From the  Accounts  section of your Qonto app, access your IBANs and make current operations like transfers or direct debits simply by clicking on the different icons. Want to have a look at your transactions history? Just click on the card. Otherwise, directly from each section, you can filter on the account of your choice by clicking on  All accounts .   Note: All your monthly fees for your subscription and off-subscription operations will be charged on your first Qonto current account.      How to Delete a Multiple Account First, ensure the account has a zero balance (€0) and there are no pending transactions or check deposits linked to the account.   Then, follow these steps: Go to the  Accounts  section in your Qonto web application. Select the account you want to delete. Click on the three dots at the top right of the box and click on  Close account . Confirm the account deletion by entering the code received via SMS.   👉 You can also check this article: Why can’t I create multiple accounts?
Question: How do I apply my promotional code?

Answer: How do promotional codes work? Promo codes can be applied to your  monthly or annual  subscription fees. If you have a monthly plan : A discount is applied to your monthly subscription fees every month throughout the validity of the promo code. For example, if you have a promo code for €34 excl. VAT for 6 months, a maximum of €34 excl. VAT will be deducted from your monthly fees each month for 6 months. If you have an annual plan : The discount is applied directly to the annual subscription fee. For example, if you have a promo code for €11 excl. VAT for 3 months, the total (€11 excl. VAT*3) will be directly deducted from the annual fee amount. If you have several promotional codes, you can enter them all on your web interface. Only one code can be active at a time. You will therefore be able to see which one is active and which ones are pending. Promotional codes will be applied automatically in the order in which they were entered.   💡 For accounts in the process of  depositing capital,  all promotional codes can only be applied once your Qonto account has been validated. Also note that for these accounts, if you chose an annual plan, the promotional code will start only on the next plan period.      How to enter my promotional code? To apply a promotional code to your Qonto account, you need to log in from a computer, then: Go to the  Settings  section at the bottom left of your Qonto web application. Click on  Billing and invoices . Click on the  Offers and discounts  section. Enter your promotional code under  Promo code  and click  Add .     5. That's it, your promo code will be applied automatically. 🎉
Question: Are Qonto accounts subject to stamp duty?

Answer: Any business current account opened at an Italian bank is subject to a  stamp tax of 100€ annually.   By virtue of its status as a French payment institution (authorized and supervised by ACPR, an organ of the Bank of France),  Qonto accounts are not subject to any stamp duty.   It is important to note that, depending on the legal form of your business and the average balance in your Qonto account in the relevant tax year, your accountant may need to enter some information on your tax return.   Partnerships and corporations Corporations are not obliged to include the Qonto account holding information in their tax returns.   This is true by virtue of the fact that corporations are required to reconcile invoices and all incoming and outgoing payments, which are tracked accordingly.   Professionals For professionals, however, we must distinguish two cases: Average annual stock of less than €5,000:  in this case you will not need to enter any information in your tax return. Average annual stock of more than €5,000:  in this case the accountant will be required to fill in the RW panel in the tax return and you will be required to pay IVAFE (tax on the value of assets abroad) in the amount of 34.20€. More information on IVAFE can be found in  this section  of the Agenzia delle Entrate website.   Note 1:  We always encourage you to verify the above information in relation to your specific business with your accountant or tax advisor in order to avoid incurring penalties.
Question: How can I rename my Qonto current account?

Answer: Main account When you open a Qonto current account, your account name is  Main account  by default.    Want to rename it? All you have to do is: Go to the  Business account  👉  Accounts  section of your Qonto web app In your account's card, click on the three dots at the top right of the box Then, click on  Rename  and enter your new account name (you can even add emojis) Multiple current accounts If you have a Smart, Premium, Essential, Business or Enterprise plan, you can create multiple current accounts. You will be able to name it when you create it.   ☝️ Good to know: The name you have chosen will appear on your bank details and on your statements. To know how to create multiple current accounts, you can read our article  What are multiple accounts?