ThomasCdnns/qonto-open-qa huggingface dataset:
Question: What documents do I have available on Qonto?

Answer: On your Qonto interface you already have all the documents you need: Bank details , as actual proof that you have an account with us, click  here  to find out how to download them; The list of transactions , in different formats and with accurate filters so you can process a specific document, find more details  here ; The transfer execution receipt , to prove to your customers that a transfer was correctly executed on their behalf, complete with end-to-end tracking code. You have instructions on how to download it  here ; Account statements , which are the official documents evidencing all transactions that occurred on your account in a given month; you can find more information about them on  this article ;  Electronic invoices/credit notes created through the Qonto application  that you can send to your customers. Learn more  here ; Electronic invoices received on the Qonto interface , to share with your accountant for example. Go to the  dedicated section  to learn all about this feature; Your account's monthly rate invoices , useful for tax purposes. To retrieve them follow the  specific guide . Please also note that these are not electronic invoices so they are not visible on your tax drawer; Receipts for your F24s , paid through Qonto. Click  here  to see how to download them; Receipts of payments made through PagoPA , should you need them for public administration. Here's the  article  with all the information about it for you.   I need a specific document stamped by Qonto, how can I do it? Except in a few specific cases, the Qonto team will not be able to stamp, complete, or certify documents that do not come from Qonto. However, we are able to provide you with some certificates if those already available are not sufficient. The documents that Qonto provides you with are strictly confidential,  so they cannot be changed in either content or structure.   Here's a list of certificates we can provide if you contact us via chat: Payment Account Statement , a certificate equivalent to bank references, which as you may know we are unable to provide to you as a payment institution; Certificate of receipt of funds , should you need to certify receipt of an incoming transfer; Certificate for card transactions , should you need to certify a transaction made with a Qonto card to a specific merchant.
Question: How does dark mode work?

Answer: What is Dark mode? Dark mode  is a dark display of your apps and screen. It helps reduce eye strain, improves readability, and conserves battery life on mobile devices.   How do I switch to Dark mode? From the mobile app: go to  Menu  > settings symbol “⚙️” >  Appearance Select your display mode ( Light mode - Dark mode - Automatic ) The change will reflect instantly   From the web app: Go to  Settings , in the bottom left corner and click on  Personal settings > Appearance.       What is Automatic mode? The Automatic Mode in your Qonto app adjusts its display based on the time of day, following your device's settings.   By selecting  Automatic Mode , your app's display will match your device's settings. For instance, if your device is in  Dark mode , your Qonto app will switch to Dark mode automatically. Similarly, it will switch to  Light mode  if your device does.   💡 Good to know: On the web app, automatic mode aligns with your device settings. In Firefox and Edge, it  adapts to your browser settings .     Who can use dark mode? Dark mode  is available for all users. All you need is a compatible device and operating system:   On  mobile : iOS 13  and above. Android 10  and above. On a  browser : For Auto setting: Chrome ≥ 76 Edge ≥ 79 Firefox ≥ 67 Safari ≥ 12.1 For Dark/light: All Browsers 💡 How to check your device’s compatibility, by device: iOS : Settings → General → About → Software version Android : Settings → About Phone → Android Version
Question: Can I make a cash deposit with Qonto?

Answer: Not directly, but you can use the  T-Bonifico service  provided by  Mooney  at a network of 45,000 points of sale all over Italy. ​ With T-Bonifico, you can make transfers to your Qonto account by depositing cash at enabled points of business without needing to have an account with the merchant. ​ Here is how you can carry out this action: Fill out the form to generate the QR code that you can find by  clicking here; Go to an enabled point of sale carrying QR code, ID and health card; Show the QR code and complete the transaction at the point of sale! ✅   Commissions and limits   The  commission  varies depending on the payment method used and the IBAN to which you want to send the transfer. Specifically, the fees are: 4.00€ for an ordinary transfer paid by cash or debit or credit card and sent to any IBAN; 5.50€ for an instant transfer paid in cash or by debit or credit card and sent to any IBAN that supports this type of transfer.   We suggest, however, that you always consult the  Information sheet  to find out about any current promotions.   Maximum amount per single transaction of €999.99 Maximum cumulative daily amount of €999.99 Maximum cumulative monthly amount of €2,999.99   How to get your T-Bonifico refund   If you need immediate assistance, you can call Mooney customer service  toll-free at 800.005.005  operating Monday through Saturday from 9 a.m. to 8 p.m., excluding Sundays and holidays (from abroad  +39 02 30458205 ).   If you need  assistance  or have  questions  that were not answered in the  frequently asked questions  section, you can find all the ways to contact Mooney here.   You will be contacted by a Mooney operator who will send you a form to state your complaint.
Question: Can I get a checkbook or a bank check?

Answer: As of today,  we do not offer neither checkbooks, or bank checks . Therefore, it is not possible to make check payments with your account.   Indeed, Qonto is an online payment institution, which offers exclusively dematerialized services. However, we allow  cashing  checks on an exceptional basis if your customers have no other means of payment.   👉  How does check cashing works at Qonto ? 👉  How much is charged for cashing a check?     💡 We advise you to  use transfer payments , which offer more advantages, both in efficiency and security.  Learn more about transfers .
Question: How can I cash-in a check above €15,000?

Answer: At Qonto, we consider checks to be an exceptional solution. The limit is set at €15,000/check.If one of your customers makes a payment of more than €15,000, we strongly recommend you to switch to  instant transfers , which are both faster and more secure!  Learn more about transfers. If you can’t get a transfer, you can contact customer service via chat by choosing "Talk to a human 👤"   Here are the steps to follow: Send us the picture of the cheque on both sides. The check must be signed on the back. Send us proof of payment (invoice, bill of sale or assignment, contract, etc.). If Qonto confirms that it is cashable, you can send it to us by post to the address communicated by the customer service. Then, our team will carry out audits of it, including a request for a fate opinion from the issuing bank. The delay will depend on the response of the issuing bank on which we have no control.  🚨 Qonto reserves the right to refuse to cash a check without justification.   👉 Please take into consideration that because this is an extraordinary process, we estimate that it takes approximately  25 days total  before the credit of the check on the account.
Question: When will my check be credited?

Answer: On the day we begin verification of your check (check status received), it will be credited to your account: Within 2 working days for a check from the notification "received" of an amount less than or equal to €3500  (as part of random verifications, this period may be extended to additional days). Within 11 working days from the notification "received" for a check in the amount above 3500€  (as part of random verifications, this period may be extended to additional days). You can follow each step of your check processing from the section  ‘Business Account’ , click on in the  “Checks”. "Pending check reception" : You have entered your check correctly, you must now send it by mail. "Processing"  :Your cheque has been taken over, controls are in progress. It will be credited shortly. We are aware that these delays may not be appropriate for your activity. However, they are necessary in order for us to carry out all the audits.    Also, if it is possible, we invite you to opt for instant transfers over checks, as instant transfers will allow you to be credited within 10 seconds.   You can also read these articles to learn more:  👉  How to deposit a check?  👉  How much is charged for cashing a check?  👉  Why was my check rejected?
Question: Why was my check rejected?

Answer: If we were unable to cash your check, here are a few reasons that may explain this rejection: The check must be made out to the name of your company, the same name as the one on your Qonto account. If the check is made out to your company's commercial name that does not appear on your Qonto account, you can request addition of your commercial name to your account by following  this procedure . Then all your future checks can be credited. All references of the check must be correctly completed (payee name, date, place, amount in number and letter, signature) The cheque must not be crossed out (errors, modifications). Check must be endorsed (signed on the back)    The rejected check will be shortly sent to the mailing address on record in your Qonto account. Our team will contact you soon by email to inform you of the reason for the rejection of this check as well as the tracking number of the mail.   You can also read our articles below to learn more: 👉  How to deposit a check? 👉  When will my check be credited? 👉  How much is charged for cashing a check?
Question: How much is charged for cashing a check?

Answer: 🇫🇷 This article only applies to companies registered in France.   At Qonto, we consider checks as an exceptional solution for you to collect payment from one of your customers in case one of them has no other option to proceed with a payment.   💡 We invite you to  favor transfers for your day-to-day transactions , which are faster and more secure!  Learn more about transfers .   Depending on the plan you choose, you have a certain  number of check deposits included . Beyond that number, each transaction is  charged €2, excluding VAT .   These fees are deducted as soon as the amount of the check is credited to your current account:  How does check cashing work at Qonto?   All fees related to the cashing of a check are summarized on our rates page, of which here is an overview below:
Question: How to deposit a check?

Answer: 🇫🇷  Check cashing is available exclusively in euros for the French market    How to deposit a check  on your desktop application ? Access your Qonto account Click on the  Business Account  section, then on  Check deposit You will need to  activate the FNCI mandate  in order to complete the deposit.  ​ You can click here to read our article dedicated to this subject . Fill in the check information If the FNCI result of your check is: Positive : you can confirm your deposit and follow step 6. Irregular check : we recommend that you abandon the deposit. If you confirm it and we receive your cheque, it will be rejected. Send us your check by mail  within 2 weeks  to the address that appears on your screen. If we do not receive the check in time, we won’t be able to register the transaction. How to deposit a check  on your mobile application ? Open the check section in the  Menu  tab  Click on  Check deposit  and follow the instructions You will need to  activate the FNCI mandate  in order to complete the deposit.  ​ You can click here to read our article dedicated to this subject . Fill in the check information If the FNCI result of your check is: Positive : you can confirm your deposit and follow step 6. Irregular check : we recommend that you abandon the deposit. If you confirm it and we receive your cheque, it will be rejected. Send us your check by mail  within 2 weeks  to the address that appears on your screen. If we do not receive the check in time, we won’t be able to register the transaction. Note: You need to endorse ( sign on the back)  a check to deposit it.    The amount collected by check cannot exceed €30,000 per 30 running days, within the limit of €15,000 per single check. Checks must be made out to the legal company name (therefore, make sure it matches the name on your Qonto account).   You can also read our articles below to learn more: 👉  When will my check be cashed? 👉  Why was my check rejected? 👉  How can I cash-in a check above €15,000? 👉  How much is charged for cashing a check?
Question: What is the FNCI and how does it work?

Answer: 🇫🇷 This article only applies to companies registered in France.   When you want to deposit a check with Qonto, we first verify its regularity with the Banque de France for you and inform you of the result before you can confirm the deposit. This verification solely serves the purpose of better protecting you from fraudulent checks. We recommend checking the result on your Qonto app before accepting checks.   What is the FNCI list? FNCI stands for National Irregular Cheque Register and is a database of stolen and opposed checks made available to remitters by the Banque de France. It helps you and other Qonto customers to reduce the risk of cashing fraudulent checks.   How to read the FNCI result? The FNCI result is displayed to you on the review screen. It can either be ‘Positive’ or ‘Irregular’.   Positive:  This check was not found on the FNCI list, which means that the  risk of it being a fraudulent check is lower . We recommend proceeding and confirming the deposit in this case.   Irregular Check:  This check was found on the FNCI register, which means the  risk of it being a fraudulent check is higher . We recommend that you abandon the deposit of this check and contact the check issuer to request a new check or another type of payment.   Important:  If you confirm the deposit of a check with an ‘Irregular check’ result, it will be rejected.   In addition, we provide you with additional FNCI data under the result: Verification code:  Green means ‘Positive’; Orange or Red means ‘Irregular Check’ (e.g. closed account, account holder banned from writing checks, check has been reported lost or stolen, etc). CPT1:  Number of FNCI verifications on this day for checks issued by the account holder of the issuing bank. CPT2 & 3:  Number of FNCI verifications in the last few days for checks issued by the account holder of the issuing bank Issuing bank:  Bank that issued the check with this check number (Tip: if the issuing bank listed here and the bank listed on your physical check do not match, it may be a fraudulent check)   Why do I need to issue a mandate? Qonto does not access the FNCI list directly but through a service provider authorized by the Banque de France who will act on behalf of the clients. This mandate is necessary to give our control partner Tessi the right to access the FNCI list and verify the regularity of your checks.   You only need to activate the mandate once. You can also suspend the mandate at any time (see below how).   Note:  Even if you have already deposited checks with Qonto, we ask you now to activate this mandate as it is necessary for future verifications.   Can I suspend the mandate? Yes, you can suspend the mandate at any time.   To do this, go to the Checks section and click on ‘Manage mandate’. On this page, you can suspend the mandate by clicking on the red ‘Suspend mandate’ button.   If you suspend the mandate, you will no longer be able to deposit checks. However, you can reactivate the mandate at any time.
Question: Can I have a LCR letter?

Answer: This article is related to companies registered in France 🇫🇷   The " Lettre de Change Relevé " (or LCR) is a means of payment that binds a customer to his supplier.   To date, Qonto does not yet allow you to issue this document physically or virtually.   But be aware that there are services that allow you to set up direct debits very simply:
Question: Why was this SEPA Direct Debit refunded?

Answer: There are two possible explanations:   either the creditor company (or institution) has spontaneously refunded you or you requested a refund using the  Request a refund  button in your Qonto app ☝️ Good to know:  you can find this button by clicking on the direct debit in question in the  Business account > Outgoing direct debits  tab of your app.
Question: Can I set up a Distance Selling Contract (VAD)?

Answer: A Distance Selling Contract (VAD) is a contract by which a banking institution enables a company to make payments via an online sales site.   However, Qonto does not yet offer this service. For the time being, clients are redirected to alternative platforms such as  Stripe  or PayPal.
Question: How can I dispute a direct debit?

Answer: You can request a refund of a SEPA Core Direct Debit within 8 weeks without giving any particular justification. For all unauthorized transactions, you have 13 months to dispute it.    What is a SEPA CoreDirect Debit?   All you have to do is to look on the mandate for the following words: "You are entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited".   ⚠️ However, you can’t dispute a SEPA B2B Direct Debit as indicated on the mandate.   How does it work?    You can ask a refund of a SEPA Core Direct Debit directly from your computer or your mobile application.  This has to requested within 8 weeks once the direct debit has been processed.  From your desktop app go to the  Business Account  in your  History  tab to select the debit Click on  Request a refund  in the transaction detail modal.  ​ From your mobile, you will need to click on the email announcing the upcoming direct debit    ☝️  Good to know:  you will be refunded within 24 hours on working days.
Question: How to set up Direct Debit for my customers?

Answer: As of today,  Qonto doesn’t enable you to set up Direct Debit to collect payments from your customers . But you can do it very easily using this service:   GoCardless  is a service dedicated to collecting Direct Debit payments and managing payment plans.  GoCardless uses their master Creditor Identifier (CID) to collect payments from your customers , but you can ask to use a Credit Identifier in your name by subscribing to a paid plan (your CID number will be generated within three days). You can send them all your questions by sending an email to:  [email protected]     How does it work? GoCardless  will take care of collecting payments from your customers at the due date (upon mandate acknowledgement). Right after, your Qonto account will be credited with the funds collected.     The  Stripe  service could also meet your needs, here is their website if you want to study their offer:  https://stripe.com/fr/pricing     ⛔  We don’t provide the ICS number as we don’t offer the SDD collection. The Bank of France requires some controls that we are not able to perform.   👆 Good to know: If you already have an ICS number, you will keep it for life (unless the Banque de France decides to deactivate it).
Question: How can I suspend a Direct Debit?

Answer: You can suspend your direct debits directly from your Qonto application.   How to suspend a Direct Debit on your Qonto Web App ? 🖥️ Go to the " Outgoing   Direct debits " section in your  Business Account  Tab on the left panel of your interface Select the one you want to suspend. Then, click on the  Suspend future direct debits  button at the bottom of the page. This action will suspend all future payments related to this mandate.       ☝️ Good to know : if you change your mind, you can reactivate this Direct Debit clicking on  Reactivate future direct debits .       Suspend a mandate from your mobile application 📲   ☝️ Make sure you have updated your Qonto app    Go to the email: "Creditor XXXX will soon debit your account" which warns you of an incoming direct debit Click on the  “View Direct Debit”  button You will be landed to a screen in the mobile application where you can  suspend/reactivate  the direct debit mandate.   It will also be possible to access this screen directly from the app: Go to the the  Menu  tab >  Outgoing direct debits Select the one you want to suspend. Then, click on the  Suspend direct debit  button at the bottom of the page. This action will suspend all future payments related to this mandate. ​ ☝️  Good to know:  For  CORE mandates , this is only going to suspend the current mandate. If the merchant sends a new one, with a different RUM,  you’ll need to suspend the new mandate as well.  We advise you to contact the merchant in order to avoid this type of situations.   💡If you have set up  Strong Customer Authentication  on your account, you will receive a confirmation request on your associated phone.
Question: How to upload a SDD mandate on your mobile App?📲

Answer: SEPA B2B Direct Debits Fill out and  sign the B2B mandate  provided by the creditor Log into your Qonto mobile App and click on  Outgoing direct debits  in the  Menu  section Click on the  +  button to upload the mandate Take a picture of the mandate or select it from your photo library or another folder Enter the mandate details: the Unique Mandate Reference (UMR), Your Creditor SEPA Identifier (CSI) and payment frequency (one-off or recurring) Submit the mandate 💡If you have set up  Strong Customer Authentication  on your account, you will receive a confirmation request on your paired device. ​ ​ SEPA Core Direct Debits You don't have anything to do on your Qonto Account! All you need to do is to provide your Qonto bank details to your creditor. You can download them anytime from your account. The creditor will be allowed to debit your account. You can  dispute a SEPA Core Direct debit  if the amount that appeared in your account history seems to be wrong.
Question: How to modify a SEPA mandate B2B?

Answer: You can find all of your Core and B2B SEPA direct debits in the  Direct debits  section   of your account   If you make a mistake while adding a new B2B SEPA mandate before the first presentation, you can  modify all mandate information by accessing the   Direct debits   section  in  Business Account  tab and then entering the right information. ​ 🖥️ Modifying a direct debit mandate is only accessible from your Qonto application on your computer. ​ ⚠️  If your Sepa Direct Debit has been Postponed because of a mistake in the Direct debit details, you will have to create a New Direct Debit Mandate.     Check that the following information:   SEPA Creditor Identifier  (ICS), the  Unique Mandate Reference  and the  Type of Direct Debit  correspond to the information entered on the mandate.    A frequent error is a "0" instead of an "O" by example.  You can suspend or reactivate it at any time.   There are two types of direct debits: Core and B2B SEPA direct debits.  Find out more about how to differentiate them .   How can I suspend a Direct Debit?   💡If you have set up  Strong Customer Authentication  on your account, you will receive a confirmation request on your associated phone.