ThomasCdnns/qonto-open-qa huggingface dataset:
Question: How to close my Qonto account?

Answer: 🖥️ You can request the closure of your account by following the steps below  from a computer : Go to  Settings > Billing and invoices > Price plan details . Click on  Price plan & Invoices . Select the  Close Account  button. Follow the guidance until you reach the confirmation page. 💡 Please note that the account closure option is  not available from the Qonto mobile app.     What are the conditions for closing your account? You are the account holder. The account is active. No collective proceedings (judicial reorganization, judicial liquidation, deregistration, etc.) are in progress. No term deposit account is active. Your account balance is €0 , and there are no pending transactions (transfers, card payments, check deposits). If any of these conditions are not met, the closure will be  postponed  until the last day of the following month, and you will be  charged for another month .     Frequently Asked Questions   When will the closure of my account occur once initiated? If you have chosen a monthly billing frequency, it will occur on the  last day of the current month . If you submit the request on the last day of the month, it will be postponed to the last day of the next month. For annual billing, the closure will take place at the end of the prepaid commitment period.   You can track progress of your account closing request in your web app (Settings account > Price Plan & Invoices).   Can I reopen my account if it has been closed? No, a closed account is permanently deactivated and cannot be reactivated in the future. Once an account is closed, all transfers made to it are automatically  returned to the sender . Its closure results in the  immediate, permanent, and irrevocable  deactivation of your IBAN(s), cards, and the inability to receive or send transfers. NB: You do not need to return your payment cards. However, you can cancel your account closure request  before the closing date  by going to  Price plan details > Cancel Closure .   Does the closure incur any fees? No, closing your Qonto account is free.   Do I still have access to my data after closing my account? Yes, even if your account is closed, Qonto provides you with  unlimited access  to retrieve your transaction history and account statements.
Question: Can I pay my taxes with Qonto?

Answer: 🇪🇸 This article applies only to companies registered in Spain   ⚠️ For quarterly tax forms, the deadline ends on 22/04. Any incomplete forms or forms sent after 5:00 p.m. on April 22 will be processed the following business day.     From October 1st 2021 it is possible to pay your company's taxes through Qonto. We have implemented a tax filing and payment platform, accessible from all plans and totally free of charge, which will take you only 5 minutes to set up.   What are the steps to follow to make the payment from the Qonto interface? 🙋 It is important to note that we  do not offer the Direct Debit service  for taxes. We do offer the opportunity to pay them  through the NRC number , the process is as detailed below.   Payment is completed in 3 steps: Go to  Integrations and Partnerships > Accounting >  select  Pago de impuestos ; Click on the  View website  button, and then View website. You will be redirected to a form. Complete the form . It will take you less than 2 minutes; you only have to:  - Select the tax model.  - Tax period and fiscal year.  - Taxpayer's data and tax ID number.  - Total amount of the tax liability (including decimals). You will be redirected to the  Transfers  section of your application. You will see a transfer with all fields automatically filled in. Check that everything is correct and click  Continue  to send it. In the next few hours you will receive  an email with the assigned NRC  so that you can use it to file your tax return with AEAT (tax office). You are all set! Within 36 working hours after completing the process, you will  receive an email with the payment receipt.   *We are working so that you can also pay your Social Security with us.   You can watch our explanatory video here  👇 (only available in Spanish)
Question: Can I pay a postal bulletin with Qonto?

Answer: Qonto provides you with all the payment methods you may need for your business: virtual cards, physical cards, SEPA transfers and direct debits, and F24. ​ As of October 17, it's also possible to pay pagoPA notices, but  we don't yet offer payment of postal bills  on our platform.   Good news!  You can still pay a postal bulletin online through the Poste Italiane website with your Qonto Mastercard. Just go to the section of the site called " pay online ."   We would like to remind you, in fact, that your  Mastercard Qonto debit card  can be used for any type of online payment. In the same section of the Poste Italiane website, again with your Qonto card, in addition to postal slips (blank or pre-filled), you can also pay: MAV bulletins Car tax   Once you make the payment, the system will ask you to enter your email address, to which the  payment receipt  will be sent immediately. Remember that to use Poste Italiane's online payment service, you must have an active account. If you do not have one, you can create your account for free at  poste.it .   Pay online   You can pay utility bills, fines, F24, and car tax stamps. And you keep everything online.
Question: Is it possible to set up an EBICS contract with Qonto?

Answer: Yes, there are two ways to set up an EBICS contract with Qonto: If you use external resources to manage your accounting (ie: a Chartered Accountant) you can connect to  jedeclare.com  via the Electronic Banking Internet Communication Standard (EBICS). The Jedéclare integration will allow your accountant to retrieve Qonto statements directly in their preferred accounting production tool. For more information, visit our  Jedéclare FAQ .   If you have internalized your accounting (i. e.: you have a DAF, Finance Manager or in-house Accountant) you can connect Qonto to other accounting and treasury tools via the EBICS T protocol. Learn more  here . 💡 Feel free to contact us via the chat bubble, telling us the name of the software you'd like to connect to Qonto, so we can find the best solution together.     What is EBICS T vs. EBICS TS?   There are two types of EBICS that you can set up: T and TS. EBICS T (Transport)  allows for the exchange of files between companies and banks without a signature. With this type, the payment originator transfers the payment file through EBICS and validates them through another channel (ie: an in-app notification).  This is the EBICS protocol supported by Qonto.  To ensure security, we require a user to log into Qonto to approve a payment.   EBICS TS (Transport and Signature ) require that you digitally sign a payment order before sending it to a bank. Traditionally, this requires a 3SKey to complete – a physical USB key that is inserted into the approver’s computer to validate the payment request before it is sent to the bank.  This EBICS protocol is not supported by Qonto.
Question: How do I retrieve data from my historical Treezor account?

Answer: 👉 This article only concerns accounts whose IBAN started with TRZO before the migration to our Qonto banking platform (QNTOFR). You can access transactions from your historical Treezor account with Qonto’s banking platform.   How do I access my historical Treezor account information? From your web application: Log in to your account with your Qonto ID and password. Go to the  Settings  section, Select  Historical Data .   In this section, you will be able to retrieve: Your account statements Your invoices An export of your transactions, with or without the associated receipts    To access your Qonto data, go to 👇 Where do I find my statements? How can I export my transactions?
Question: How to get an Electronic Payment Terminal linked (EPT) to my Qonto account?

Answer: Many customers asked us to provide them with an electronic payment terminal (EPT) so that they could be increasingly mobile and be able to collect payments wherever they are. This service is now available thanks to our partnership with Zettle, the European leader in EPT for small businesses.   A simple, elegant and mobile EPT We naturally chose a partner who shares our DNA: ease of use, attention to design, affordability and quality of customer service.   No heavy installation is required,  all you need is a smartphone or a tablet to use it and manage your cash receipts,  wherever you are.   The  Zettle Reader 2  terminal can accept  credit and debit cards, whether chip or contactless  - not to mention  Samsung Pay, Apple Pay and Google Pay  payments.   Not yet convinced? Don't hesitate to read this  detailed opinion on Zettle  to discover all their offers!     Zettle x Qonto: An advantageous offer ! As a Qonto customer, you will benefit from special conditions, specially negotiated for you:  Commissions at 1.65% instead of 1.75% on transactions*, an EPT at €9 (excluding VAT) on purchase instead of the usual €79 (excluding VAT) .   You are a Qonto customer and you want to order your Zettle terminal?  Click Here  to open an Zettle account and take advantage of the offer specially designed for Qonto customers.   *You might need to contact zettle support at  [email protected]  or  [email protected]  to take advantage of the preferential rates.   💡If your turnover is over 8000€/month, you should to get in touch with Zettle, so you could benefit from an advantageous rate.   Do you have any questions? Do you have a high collection volume? Contact your dedicated customer service team at  [email protected] . We'll take care of you!   In order to use Zettle, you must be connected to a 3G, 4G, or WiFi network.   ☝🏻  Please note: Zettle is only available for the French Market, you can discover our  Italian solution  and our  Spanish one  by clicking on the link. Zettle is not available in the DOM-TOM.
Question: Where do I find my statements?

Answer: You can access your account statements at any time from your Qonto interface, either on our website or on our mobile application!     🖥️ Web app : Your bank statements are available in the  Business account  section of your Qonto interface. Click on  Accounts , next, at the top right of the screen, click on  Download account statements  to download the documents you need!         📲 Mobile app: Go to  Menu > Accounts (IBAN).     Your bank statement is not available yet? Account statements are generally generated in the first few days of the month. In the meantime, in case you need something close to a bank statement, you can create a transaction export in a few minutes. To proceed, you need to: Visit the  Transactions  tab (in the Business account section) Filter the transactions by settlement date Click on  Export transactions Select  Simple data export or create a custom export template by adding the following columns: Settlement date (UTC) Counterparty name Debit Credit For more information on  How to use custom exports,  please read  this article .     Having trouble understanding the balance of your statement? For accounting reasons, your bank statements only take account of  Settled  transactions and do not include  Processing  operations. If you want more details on the  Settled  or  Processing  operations, we invite you to click on your account balance on the left side on your interface.   The balance that is displayed on your interface is called  "authorized balance" . It  takes into account all transactions , whether they are marked as  Settled  or  Processing , so you always know what amount remains available to you.   We do not count upcoming supplier payments in the calculation.
Question: How can I have better visibility on missing receipts?

Answer: Missing-receipt reminders are available on the  Essential, Business, and Enterprise plans . To declare their VAT, companies need to attach a (valid) receipt to each transaction. Qonto helps collect receipts thanks to weekly reminders sent to transaction initiators that have missing receipts. A weekly summary is also sent to the Account Holder and Admins.   💡 Receipts on Qonto hold  probative value , which means companies no longer need to keep the paper receipts because digital receipts have the same legal value.     How can I visualize missing receipts? In the  Business account  >  Transactions  page under the  Attachment  column, Qonto users have access to their receipts’ attachment status for each transaction:  Attached ,  Missing , or  Not required .   To view only transactions with the  Missing  attachment status, click on the button  Custom views , then on  Missing receipts.  Qonto users can also set up other custom views with  additional filters , and filter their transactions without receipts by  Member ,  Transaction type,  or  Tag  for example.     For better visibility, every Friday, the Account Holder and Admins receive a recap email of the organization’s missing receipts, totaling the transactions without receipts for the past 7 and 30 days. They also access the associated monetary value for each, with a link to the in-app view of all missing receipts.   👆 At any time, the Account Holder and Admins can turn off automatic weekly summary.     How are my team and I reminded of missing receipts? Any Account Holder, Admin, Manager, or Employee who has at least one missing receipt, will be reminded by email: every Monday, a summary is sent with the number of transactions with missing receipts from the past 7 and 30 days; by mobile notification: every Wednesday, a mobile notification is pushed to Qonto users who are missing more than 50% of receipts on transactions from the past 30 days. 👆 By default, these reminders are activated. The Account Holder and Admins can turn them off at any time.   💡  The Account Holder and Admins can also manually remind employees to upload their receipts by simply clicking on  Request attachment , on the transaction of their choice.
Question: What is an IBAN?

Answer: IBAN stands for "International Bank Account Number".  Click here to find out how to download it .   This is an alphanumeric bank code which, in France, is made up of 27 characters. It serves as a unifying system for payments and collections between different countries.   The two initial letters refer to the code of the issuing country, followed by a two-digit control key and the classic account number.   It has been in use since 2014, when the SEPA law came into force. The aim is to regulate all euro transactions that take place within the free trade zone. This zone comprises the 27 EU countries plus Iceland, Switzerland, Norway, Andorra, the Vatican, San Marino, Monaco and Liechtenstein. The aim is to ensure that all euro transactions carried out in this zone are subject to the same criteria and conditions, both nationally and internationally.   In this respect, European regulation no. 260/2012 establishes that all payments in euros, sent and received within the SEPA zone, must be accepted without restrictions or additional charges.   If you would like more information on this subject, or if you've had problems with the IBAN acceptance of your Qonto account, please contact us!
Question: How can I have a local IBAN if I already have a Qonto account with a French IBAN?

Answer: As of February 2020, Qonto automatically offers local IBANs to companies (French, Italian, Spanish or German depending on the country where the account is held), whereas before this date it was only possible to have a French IBAN.   What is the difference between a French IBAN and a local IBAN? The law states that if you have an account with a European IBAN (FR, DE, ES, IT or any other country within the SEPA zone), you can send and receive payments, with no limits and at no extra cost, to any other accounts with a European IBAN.   There should be no difference in the acceptance of your transactions if you have a French IBAN. However, some companies do not respect the law, and others simply prefer to receive or make payments with a local IBAN. It should be noted that merchants who do not accept IBANs from member states of the SEPA zone are in violation of Regulation N°260/2012 of the European Parliament and may be reported to the local monetary authority.   How to obtain a local IBAN If your Qonto account currently has a French IBAN associated with it, but you would prefer to operate with a local IBAN, please complete the dedicated form (please refer to the FAQ of your country) and you will be redirected to the page with all the information necessary to obtain the new IBAN.
Question: How can I customize the notifications I receive from Qonto?

Answer: In order to keep control of your finances, you can choose to enable  emails  and  mobile notifications .     🖥️ From a computer Go to Settings (in the bottom left corner) and click on  Personal settings > Notifications.   You have the possibility to activate all notifications (mail and push notification), by clicking on the grey button.   If you wish to customize and activate only certain notifications, simply click on your company name and check the type of notification you wish to receive: email or push notification or both.       📲 From the mobile app Go to  Menu  > settings symbol “⚙️” >  Notifications .   Simply check the boxes corresponding to the notifications you wish to receive, or conversely uncheck those you do not wish to receive.
Question: How can I manage receipts reminders?

Answer: Missing-receipt reminders are available on the  Essential, Business, and Enterprise plans . ​ To facilitate receipt collection on Qonto, we send: weekly reminders to transaction initiators, highlighting transactions without a receipt; weekly summaries of missing receipts to the Account Holder and Admins. These reminders are activated by default. ​ 💡 Receipts on Qonto have  probative value , which means, organizations no longer need to keep paper receipts: paper and digital receipts have the same legal value. The Account holder and Admins can deactivate and reactivate receipts reminders on  Desktop:   1. Go to the  Settings & Tools  section  2. Click on  Missing-receipt reminders   3. Choose the automation you want to deactivate or reactivate        👆 It is not possible to turn off notifications on mobile.
Question: Can my Qonto account be overdrawn?

Answer: Your account  cannot be overdrawn.  That's why we always check your balance before authorizing any payment.   Make sure that your balance enables you to honor your commitments.   The low-balance status makes it impossible for you to process any new payment  - including card payments, transfers, and direct debits - until you  top up your account .   If the balance of your account is low, you'll receive an alert. This occurs when your current balance does not allow you to honor transfers, subscriptions, and direct debits  scheduled in the next 14 days .   Depending on your business and your needs, you can choose to use Qonto as your main business account or as a secondary account for all your day-to-day operations.
Question: Where can I download my bank details?

Answer: You can find your bank details with your IBAN and BIC/SWIFT directly from your Qonto app.   Web access From your web application, your account details (RIB) can be found in the  Business account 👉 Transactions  section. Click on the  Account Details  button, then  Download (PDF)  for PDF format or  Copy  for text format.   There is also a shortcut in the  Accounts  section. Click on a bank symbol 🏦 in the block of a specific account.   ☝️ Good to know: if you have multi-account, you can repeat those steps for each one.   💡 To download your account details document (RIB) in a foreign language (🇫🇷, 🇬🇧, 🇪🇸, 🇮🇹, 🇩🇪), click  Download (PDF)  and choose the language of your choice.   Mobile access On your mobile app, Go to  Menu  >  Accounts . Select the related account and click on the  Download button (PDF)  or tap the  copy icon,  all details will be automatically copied on your clipboard.   💡On the mobile version, you can only  download your account details document (RIB) in the language of your country .
Question: What transfers can the Manager role make, approve or edit and how to set them?

Answer: The Manager role is only available on the  Business and Enterprise plans .   Managers can make transfers and review transfer requests autonomously, as long as: the amount does not exceed their transfer limit the cumulated amounts of this transfer  and  the ones already committed for the month remain  below their monthly limit Transfer limits are set by the Account Holder or Admins.   Within these limits, Managers can: make or approve non-recurring External standard transfers (SEPA), external International transfers (SWIFT) and bulk transfers edit transfers initiated or approved by themselves pay and approve supplier invoices payments Managers cannot: make or approve recurring External standard transfers (SEPA), regardless of their limits edit transfers initiated or approved by other members, regardless of their limits make or approve transfers above their limits Transfers that Managers can't make or approve will become transfer requests needing Admin approval, except for SWIFT international transfers. Managers can’t make requests for larger international transfers.     How to set and edit transfer limits for the Manager role? Limits can be  edited at all times  from the web app. Two limits can be set: a monthly transfer limit a per-transfer limit   For a new Manager: When inviting a new Manager, Admins or Account Holders can directly enable  Make and approve transfers, and reimburse expenses including mileage permission . Once this permission is activated, they can establish the limits.   💡 If the “ None ” option is selected, Managers will have no limits.     For an existing Manager: Go to the  Settings  icon on the left menu Navigate to  User management > User access Select the Manager Activate  Make and approve transfers, and reimburse expenses including mileage permission  (if not already done) Set or edit the limits   💡 Managers receive email and push notifications for permission updates. In the  Members  section, the Managers themselves will be able to see: their monthly limit and a progress bar showing how they are doing compared to this limit their per-transfer limit When Admins or Account Holders have not set the limits yet or have chosen not to, limits will not be displayed.     What happens if Managers reach their transfers limits? All transfers that can not be made or approved by a Manager will be turned into  transfer requests  and require Admin approval, except for SWIFT international transfers. For supplier invoices, if the limit is reached, the Manager will be able to create a transfer request directly in the  Supplier Invoice section .