Question,Answer,Link Is Qonto certified ISO 27001?,"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.",https://help.qonto.com/en/articles/6748832-is-qonto-certified-iso-27001 How can I contact Qonto's legal department?,"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.",https://help.qonto.com/en/articles/4894901-how-can-i-contact-qonto-s-legal-department Cookies Policy,"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. Who are we? Welcome to the qonto.com platform, published by OLINDA SAS. We offer users an alternative online banking platform for entrepreneurs and startups. This section allows you to learn more about the origin and the use of the navigation information processed during your consultation of our platform and your rights. This Policy is therefore important to you, who wish to have a positive and confident experience of our services, and to us, who wish to answer your questions on your consultation of our platform in a precise and complete way and to take account of your wishes. During the consultation of our platform, information about the navigation of your terminal (computer, tablet, smartphone, etc.) on our platform/application, are likely to be saved in ""Cookies"" files installed on your terminal, subject to the choices you have made regarding cookies and which you can change at any time. What are the cookies issued on this platform used for? Only the issuer of a cookie is liable to read or modify the information contained therein. Cookies we issue on our platform When you log on to our platform, we may subject to your choices, be able to install various cookies in your terminal allowing us to recognize the browser of your terminal during the validity period of the cookie concerned. The cookies we issue are used for the purposes described below, subject to your choices, which result from the parameters of your navigation software used during your visit to our platform that you can express to us at any time. The retention period for this information is 13 months. Cookies that we emit allow us: Offer targeted ads tailored to your interests. Establish statistics and volumes of attendance and use of the various elements composing our platform (topics and contents visited, route), allowing us to improve the interest and ergonomics of our services; Adapt the presentation of our platform to the display preferences of your terminal (language used, display resolution, operating system used, etc.) during your visits to our platform, depending on the visualization hardware and software of your device; Memorize information relating to a form you have filled in on our platform (registration or access to your account) or to products, services, or information that you have chosen on our platform (subscribed service, contents of a shopping cart, etc.); Allow you to access reserved and personal spaces of our platform, such as your account, by means of logins or data that you have potentially previously entrusted to us; Implement security measures, for example when you are asked to re-connect to a content or a service after a certain period of time. 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Any settings you apply may change your Internet browsing and your conditions of access to certain services that require the use of cookies. You can make the choice at any time to express and modify your wishes with regard to cookies, by the means described below. The choices offered by your navigation software You can configure your navigation software so that cookies are recorded on your device or rejected, either systematically, or depending on their issuer. You can also set up your browser software so that acceptance or rejection of cookies is proposed to you before a cookie is likely to be recorded in your terminal. Cookies agreement The recording of a cookie in a terminal is essentially subordinated to the will of the user of the terminal, which the user can express and modify at any time and without paying for it, through the choices offered to him by his navigation software. If you have accepted in your browser the recording of cookies in your terminal, the cookies embedded in the pages and contents that you have consulted can be stored temporarily in a dedicated space of your terminal. They will be readable only by their issuer. Cookies refusal If you refuse to record cookies on your device or delete those which are recorded, you will no longer benefit from a certain number of features that are necessary to navigate to certain spaces of our platform. This would be the case if you tried to access our content or services that require you to be identified. This would also be the case if we - or our service providers - could not recognize, for technical compatibility purposes, the type of browser used by your device, its language and display settings, or the country from which your device seems to be connected to the Internet. In that case, we accept no responsibility for any consequences arising from the degraded functioning of our services resulting from the fact that we cannot record or consult the cookies necessary for their operation and which you have refused or deleted. How to exercise your choices, depending on the browser you are using? For the management of cookies and your choices, the configuration of each browser is different. It is described in the help menu of your browser, which will allow you to know how to change your settings for cookies: Internet Explorer Safari Chromium Firefox Opera",https://help.qonto.com/en/articles/4359684-cookies-policy Legal Mentions,"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",https://help.qonto.com/en/articles/4359683-legal-mentions How are my funds protected?,"To what extent are Qonto's activities regulated and monitored ? Qonto is the trade name of Olinda SAS. Olinda SAS is a payment institution (code no. 16958) under the supervision of the French Prudential Control and Resolution Authority (ACPR), attached to the Banque de France ( find out more ). We are therefore supervised (and are subject to regular controls) by the same authority as all French banks: the ACPR. ​ ​ How does Qonto ensure the security of my deposits ? Your money is 100% safe because the funds deposited in your Qonto account must be protected in a totally separate way from its cash flow, in line with the applicable requirements. Qonto must safeguard 100% of your funds through the following mechanisms: Part of the client funds may be ""fenced"", i.e. deposited in the books of our partner banks: Crédit Mutuel Arkéa and Natixis. Another portion may be invested in units of funds created specifically for the safeguarding of Qonto clients' assets. To ensure full protection, two independent guarantees cover invested clients assets: depending on the investment, the stand-alone guarantee is granted either by Crédit Agricole CIB (CACIB), a subsidiary of Crédit Agricole S.A., or by BNP Paribas. Finally, a last part may be invested in qualified money market funds on an occasional basis. Where applicable, the fund units are held in the books of Société Générale. Regardless of how client funds are safeguarded by Qonto, it is important to note that all of these arrangements cover 100% of our client funds and have been subject to prior authorisation by the ACPR , as required by the rules applicable to Qonto. 💬 For more information , you can also check out the dedicated page (in French) on the ABE Info Service website, maintained by the French Central Bank and the ACPR. But what would happen in the event of bankruptcy ? Neither Qonto nor any of its banking partners have any plans to go bankrupt. These scenarios are extreme, and Qonto works with institutions with a very limited default risk. However, please be aware that your funds are fully safe if this were to happen: If Qonto were to go bankrupt, 100% of your funds would be returned to you by our partner banks under the supervision of the ACPR: the money deposited in Qonto accounts is isolated from our cash flow. If we were to go bankrupt (which again, is an extreme scenario), your funds would be returned to you in full by our partners and under ACPR’s supervision. In case of failure of our guarantors, namely CACIB or BNP Paribas, your money isn’t at risk: in this very theoretical scenario, Qonto has committed to find a new guarantor to cover the invested amount. Failing that, these funds could be safeguarded by another mechanism listed above. In the event of the bankruptcy of Société Générale, your money isn’t at risk: the units of the qualified money market funds in which your funds are invested are held in a securities account separate from the bank's assets. The latter is bound to return them to the holder, in this case Qonto, even in case of bankruptcy. The scenario of Société Générale going bankrupt is unlikely: it is one of the largest banking groups in France. In the event of the bankruptcy of Crédit Mutuel Arkéa or Natixis, you benefit from the French deposit guarantee scheme for each failing bank: your funds are guaranteed by the French Deposit Guarantee and Resolution Fund (FGDR, the French Deposit Guarantee Fund whose mission is to protect customers in the event of bank failure) for up to €100,000 per client and per failing institution (i.e. up to €200k per client if both partners were to fail). It also offers you diversification benefits, as it is equivalent to holding an account in each of these banks. Besides, The scenario of Crédit Mutuel Arkéa or Natixis going bankrupt is unlikely, both being amongst the largest banking groups in France. Moreover, this €100,000 guarantee is the same for all European credit institutions. This means that you benefit from the same level of guarantee for your funds as a traditional bank (such as BNP Paribas or Crédit Agricole, for example).",https://help.qonto.com/en/articles/4359673-how-are-my-funds-protected What is the difference between Qonto and a traditional bank account?,"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.",https://help.qonto.com/en/articles/4359531-what-is-the-difference-between-qonto-and-a-traditional-bank-account How does the Qonto x Airtable integration work?,"How does Airtable connect to Qonto? Integrate your Qonto account with Airtable for effortless transaction and invoice management. How does this integration work? With the integration in place, your transactions — with invoices and receipts attached — will be automatically imported into Airtable every three hours. This means: Comprehensive financial management. Track and reconcile transactions, verify payments, and manage expenses with ease thanks to centralized receipts. Enhanced data analysis. Leverage Airtable's filtering, sorting, and grouping features to gain insights into spending patterns, vendor relationships, and expense categories. Collaboration and sharing. Create custom views, share transaction details with relevant team members, assign tasks, and track progress to better coordinate your Finance team. How do I set up the integration? Go to the Connect section, accessible from your Qonto space on your computer. Simply open the Airtable page and follow the steps below : Click on Create a new authentication. Sign in to the Airtable account you want to sync with your transactions and attachments. Once logged in, add the base you want to use. Authorize Qonto to sync your data in Airtable by clicking Grant access. Re-select the base where you want to create the new table with your transactions and attachments, and click on Next. If you want your invoices and receipt to be synchronized along with your transactions, please check the box and click on Next. Select the date from which you would like to begin syncing your transactions and attachments; you may select an earlier date or today’s date. Click Finish… and you’re done 🎉 Your integration is now ready! A Qonto transactions table will be created in the base you selected. Every hour, the table is updated with your transactions and attachments. ☝️ Keep in mind: The transactions already associated with your Qonto account will be synchronized immediately once the integration has been configured; any new transaction on your account will appear the next hour. Who can use the integration? Only Owners, Admins, and Reporting roles will be able to see this integration in Connect, and install it. Once installed, you can grand access to the base/table to anyone in your organization, regardless of their role in Qonto. Only those whom you grand access of the base will be able to access the base/table. What can I update in Airtable? The table name Once the integration is set up, you can change the base and table name fields even after connecting the integration. You would change the field name in Airtable. The type of the fields You cannot change the type of the fields that have been created by the integration. If you aren’t sure what the field means, you can easily identify them by their description. One exception to this: the Primary Field (top left column). By default, we will store a text value there. If you want, you can change it to a formula (or any other type) and customize it’s content as you like. The description of the fields You can update the description of the fields, but please note that after renaming a field, it’s the only way left for you to identify a field created and required by the integration. So if you are incorrect in your description, it will misalign with the intention of the field. Can I add fields to my newly created table? Yes, you can add as many fields as you want in the newly created table. If I upload a file on Airtable, or update data in Airtable, is it transferred to Qonto? No, the integration is currently only a 1-way sync: Qonto → Airtable. We never import anything back to Qonto. Therefore, while you will be able to update data in Airtable, we don’t recommend doing so as the data will never come back to Qonto. You will end up with the same transactions, but different data in Qonto and Airtable. What happens if I reach the maximal number of records in Airtable and/or the limit of files storage? This is linked to your Airtable pricing plan, in order to continue using the integration with Qonto you’ll need to update you Airtable plan.",https://help.qonto.com/en/articles/8182602-how-does-the-qonto-x-airtable-integration-work What is Qonto?,"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!).",https://help.qonto.com/en/articles/4359540-what-is-qonto What's the story behind Qonto?,"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.",https://help.qonto.com/en/articles/4359675-what-s-the-story-behind-qonto What are the 10 habits to enhance the security of my Qonto account?,"For any suspicion of fraud, contact us directly via the chat from your Qonto application by selecting for a suspicion of fraud, followed by the most appropriate situation. ​ ​ 1. Never share confidential information with third parties Under all circumstances, avoid disclosing confidential information to third parties , whether over the phone or through any other means of communication. Qonto will never request the transmission of sensitive information outside of its secure interfaces (mobile application or website). If you receive such a request via a message or call identified as coming from Qonto, be extremely vigilant; it is likely a spoofing attempt. ​ ​ 2. Confirm information through another channel in case of doubt Contact us via the Qonto application or through your client space on our website. ​ ​ 3. Be attentive to received communications Be vigilant about emails and other messages requesting transactions or banking information. Avoid opening unwanted emails (spams) and prefer messaging platforms offering filters. Always check the spelling of the email address and the message content. In case of doubt, do not download any documents and do not click on any links. If you have already clicked on a link, ensure that the site is secure: look for the padlock on the left side of the address bar and verify that the connection is in https . Check the functionality of all buttons on the page. Fraudsters often limit themselves to replicating the login page and neglect other elements and buttons on the site. ​ ​ 4. Beware of urgent situations Often used in social engineering cases, this approach encourages victims to make hasty decisions, neglecting usual security rules. For example, they might be pressured to approve a transfer or change their password. Take a step back and carefully analyze the notifications received on your application before validating them. In the case of a transfer, verify the IBAN and the name of the beneficiary bank. If the notification asks you to approve a new connection, check the device and the location. If you have any doubts, contact our customer service via the chat available in the mobile application. 5. Never perform operations on request We will never contact you to request confidential information or perform a banking operation (transfer to a 'security account,' changing passwords, approving a new member or new connection, etc.). When a third party asks you to approve a transfer through Strong Authentication to cancel alleged fraudulent operations, it is a scam : Strong Authentication is only intended to approve transactions . ​ Similarly, we will never ask you to hand over your payment card to a third party such as a courier, for example, to 'secure' your Qonto account. 6. Use your Qonto account in a secure environment Verify the legitimacy of the websites you visit. Secure URLs start with https and display a padlock before the site name, ensuring their security through a digital certificate. For example, our official site is https://qonto.com/ , and our web application is accessible via https://app.qonto.com/ . It is recommended to bookmark them for secure and quick access. Keep your Qonto application and your operating system up to date for optimal security. Prioritize secure connections and avoid public or shared WiFi networks . When using a shared device, ensure you log out after use and avoid saving your banking information on that device. 7. Use your Qonto payment card in a secure environment Limit your purchases with your Qonto card to reputable and trustworthy merchants. When transacting with individuals via a platform, opt for the payment service it provides for increased security. 8. Strengthen your account's security Opt for a complex password, including various types of characters, such as uppercase and lowercase letters. Avoid reusing the same password for multiple accesses, especially for sensitive services like your Qonto account. Change your password regularly and activate Strong Authentication on your account. 9. Maximize control over account usage Establish a whitelist of entities authorized to make withdrawals from the company's bank account. Restrict access to sensitive data of the business account and share it only with authorized employees to perform operations. 10. Promote best practices within your company Protecting your company's account involves all your employees , who may be individually targeted at any time by phishing and social engineering attacks. Share these best practices with your collaborators and consider training them on topics related to frauds in general.",https://help.qonto.com/en/articles/8750427-what-are-the-10-habits-to-enhance-the-security-of-my-qonto-account "I want to join the team, what should I do?",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!,https://help.qonto.com/en/articles/4359679-i-want-to-join-the-team-what-should-i-do How does the Amazon Business and Qonto integration work?,"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.",https://help.qonto.com/en/articles/8456313-how-does-the-amazon-business-and-qonto-integration-work What's the Nexi solution dedicated to Qonto?,"☝️ 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.",https://help.qonto.com/en/articles/6563965-what-s-the-nexi-solution-dedicated-to-qonto Can I link a card reader (POS) to my Qonto account?,"☝️ 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 .",https://help.qonto.com/en/articles/6564070-can-i-link-a-card-reader-pos-to-my-qonto-account How does the referral program work?,"According to the country of your organization the Referral program works differently. ​ If your company is French 🇫🇷, from the 25/10/2023, for each successful referral, you and your referee will both earn up to 160€. You know other businesses who could use a boost? Refer them to Qonto, and pass on the power of simple finance management. For each successful referral, you and your referee will both earn up to 160€. . 🇩🇪 🇮🇹 🇪🇸 For German, Italian, and Spanish companies: for each successful referral, you and your referee will both earn 80€ instead. Who is eligible to the referral program? All customers with an active account are eligible to refer other businesses to Qonto. Please note that only non-existing companies at Qonto are eligible to participate in the referral program. To have access to the reward, the new client must register through a referral link. Important: Make sure to use the referral link. If the new account is created directly on the Qonto website, no reward will be applicable ⚠️ Qonto may decide at any moment to cancel the distribution of the reward in case notably of abuse of the program and/or breach in our terms of use. For more information, consult our t erms and conditions document . ​ 🇩🇪 🇮🇹 🇪🇸 If your company is based in Germany, Italy, and Spain, for more information, consult our t erms and conditions document . 🇫🇷 If your company is based in France, for more information, consult our dedicated terms and conditions document . How do I share my referral link? From the web app Log into your Qonto account, click on the small gear icon in the bottom left and select Recommend Qonto . From the page that opens, you can share your referral link: Manually: click on “copy referral link” and paste it where you want to share it. Automatically: add your contacts’ e-mail addresses under “send an invitation via e-mail”. Then press “send” to generate a preset message to refer them to Qonto. From the mobile app From your iOS or Android mobile app, go to Menu > Recommend Qonto Finally, click on “Share link” to send your referral link over through your favorite social media, messages, e-mail or just copy-paste the link manually. How do I collect my referral reward? Depending on where your business is based, the collect of the referral reward works differently. ❗️ Important : Do not use an incognito window to open the link otherwise you will not receive your reward. 🇫🇷 For French companies - If I have been referred to Qonto: Open your Qonto account through the referral link that was shared with you Make sure you order a physical card Use your card and spend with your physical card for an amount of 50€ in order to receive the first 80€ or more (you can make either one or several transactions, in store or online)within the first 60 days from the account validated date. Use your card and spend an amount 3000€ in order to receive the second reward equal to 80€ (you can make either one or several transactions, in store or online) within the first 60 days from the account validated date. That’s all! Your reward will be automatically credited to your account within a maximum of 7 (business) days following the validation of your referral. The referral reward is set to a maximum of 160€ for both the referrer and the referee. For more information about the referral process, check the dedicated T&Cs. 💡 Be aware that the reward credited to your account will always be the amount effective at the time of the registration of the referee (not necessarily the amount that was effective at the time the referral was made). ​ 🇩🇪 🇮🇹 🇪🇸 For German, Italian and Spanish companies - If I have been referred to Qonto: Open your Qonto account through the referral link that was shared with you Make sure you order a physical card Make a settled transaction with your physical card for an amount of 50€ or more (you can make either one or several transactions, in store or online); That’s all! Your reward will be automatically credited to your account within a maximum of 7 (business) days following the validation of your referral. The referral reward is set to 80€ for both the referrer and the referee 💡 Be aware that the reward credited to your account will always be the amount effective at the time of the registration of the referee (not necessarily the amount that was effective at the time the referral was made). ☝️ Not all card transactions are eligible for receiving the reward. For instance, the following card transactions are excluded from the referral program: Cash withdrawals All card transactions that involve the transfer of funds (e.g. gift card purchases, money orders, prepaid card purchases, cryptocurrency purchases, traveller's checks, bank accounts top-up) All card transactions in restaurants, liquor stores or tobacco shops Betting, casinos and other games. Online payment services provider Clothing stores If I have referred someone to Qonto: Your reward will be automatically credited to your account within a maximum of 7 (business) days after the company you referred completes the steps described above. 💡 TIP: When a company signs up to Qonto through your referral link, you will be able to track the referral status on the Qonto Web app or on the iOS or Android apps: On web: once your referee signs up, go to the referral page and you will see a right-hand sidebar where their referral status can be tracked On mobile: once your referee signs up, go to the referral page and click on “Reward status” section to see the status of your referral. You will see a button, “Track your referrals”. You can click on that button to view the status of your referral. How can I monitor the referral process? You can track the processing status of your referral bonuses directly in the Recommend Qonto section within your web app.",https://help.qonto.com/en/articles/4359526-how-does-the-referral-program-work How can I benefit from the LoungeKey™ service?,"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 !",https://help.qonto.com/en/articles/4359590-how-can-i-benefit-from-the-loungekey-service How can I benefit from the concierge service?,"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.",https://help.qonto.com/en/articles/4359589-how-can-i-benefit-from-the-concierge-service How can I top up my Qonto account by card?,"The top-up by card feature is available on all plans for organisations who haven't added money to their account yet. The feature can be used once per existing organisations and it is currently available on desktop or your mobile app. During the registration process At the end of the registration process, you are presented with two optional steps for getting started fast and easily: order your card and top up your account by card. At this point, you can choose to top up your account by card following the three steps below. Enter the amount you'd like to add. It needs to be between 10 and 1 000 €. Add the details of a different bank card of yours you'd like to add the money from. Alternatively, you can do it via Google Pay. If the transaction was successful, the amount will appear instantly on your account. After the registration process If you haven't used the top-up by card feature during the registration process (see above), you can choose to come back to it at a later point as long as you haven't used any other means of adding money to your account, like transferring money into it from another bank account or receiving a payment. If you are on the Basic plan You can top up your account on the Accounts page in a few clicks. Navigate to the Accounts page. Click 'Start' on the 'Top up your account instantly' discovery card. Follow the steps above. If you are not on the Basic plan If you have another plan than the Basic and you haven't added money to your account yet, you will receive an email 1 day after your account has been validated about the possible ways of topping it up. You will be able to access the top-up by card feature from this email on desktop and go through the top-up flow above in your Qonto account. ☝️ Good to know : Using the top-up by card feature, the money will appear instantly on your Qonto account if the transaction was successful. You will be able to start using it (e.g send money out of your account) once your account has been validated, it usually takes up to 5 to 6 hours from the account opening. You can top up your Qonto account by card if you are based in one of the following countries: Austria Belgium Bulgaria Switzerland Cyprus Czech Republic Germany Denmark Estonia Spain Finland France * United Kingdom of Great Britain and Northern Ireland Greece Croatia Hungary Ireland Iceland Italy Liechtenstein Lithuania Luxembourg Latvia Malta Netherlands Norway Poland Portugal Romania Sweden Slovenia Slovakia ​ ​ * Metropolitan France Payment of waiting funds via stored card Your card details will be stored for future debits. Qonto will fund your main account with your stored card to pay the first pending fees if you have registered a payment method after 13/02/2024. Example: If you have pending charges of €169 and your account contains €130, you will be debited the difference from your registered card to fund your account. Your account will then be debited for the full charge and you will have a remaining balance of €0. 💡 You can delete your means of payment by going to Settings > Pricing & Billing > Means of Payment. Only the owner will have access to the payment method and will be able to delete it.",https://help.qonto.com/en/articles/5856637-how-can-i-top-up-my-qonto-account-by-card What are online advertising cards and how do they work?,"Online advertising cards are virtual cards designed specifically to help you manage your marketing campaigns across top ads platforms and merchants like Facebook Ads, Google Ads, and others. ​ With online advertising cards, you won’t have to worry about your campaigns getting blocked because you’ve run out of funds or exceeded your spending cap - all thanks to higher limits (€200,000/month, or more upon request and approval*), flexible controls, and efficient delegation options for your team. Who can create this type of card? These cards are available for free for companies on a Smart plan or above . To create or update an online advertising card, you must be an account Owner, Admin, or Manager . You can also assign a card to a user who has an Employee role. At which platforms and merchants can I use it? You can set up your card as a payment method at most of the top leading ads platforms that you already work with: Google Ads Facebook Ads, Instagram Ads TikTok Ads Snapchat Ads LinkedIn Ads Pinterest Ads Microsoft Advertising Amazon Ads Apple Search Ads Twitter Ads and Leboncoin Publicité ​ I’m an account Owner, Admin, or Manager. How can I create a card? Log into your Qonto account on desktop and click on Business account > Cards . Click on Create card and choose Virtual . Under Online advertising , click Choose . To finalize, select an account to link to the card, assign a cardholder (yourself or a member of your team), and set a monthly limit (optionally, you can also set a daily payment limit). Have a look at the recap and hit Confirm . 👆 Good to know: Make sure that you’ve enabled Strong Customer Authentication (SCA) on your account to fully benefit from the €200,000 monthly limit. SCA provides an additional layer of protection by pairing your account to a device. You can set it up easily by following these steps . Once your card is created, you can start using it immediately. Just click on Go to Cards section on the success screen or locate your card directly in the Cards section and then, click on Reveal on the side panel. From there, you’ll be able to copy your card’s details and securely add it as a payment method to your Facebook Ads, Google Ads, and other ads management platforms. Can I change my card’s limits after I’ve created it? Absolutely! Just select your card in the Cards section and click on the edit icon in the card settings. Then, simply update the limits and confirm the changes. Can I create multiple cards for different clients or platforms? Of course! If you’re on a Smart plan or above, you have unlimited online advertising cards included in your plan for free, subject to reasonable and fair use . To keep things organized, you can also assign your card a unique name (e.g. Facebook Ads). To do so, go to Cards , click on the card that you want to name, and go to Details to assign it a name. Can I request a monthly limit of over €200,000? You can request a limit of up to €1,000,000 per month per card, subject to eligibility and approval from Qonto. Learn more about eligibility criteria here .",https://help.qonto.com/en/articles/7206496-what-are-online-advertising-cards-and-how-do-they-work Can I request a higher monthly limit for my online advertising card?,"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.",https://help.qonto.com/en/articles/7206518-can-i-request-a-higher-monthly-limit-for-my-online-advertising-card Can I use my Qonto card abroad?,"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",https://help.qonto.com/en/articles/4359588-can-i-use-my-qonto-card-abroad How can I remove my Qonto card from Apple/Google Wallet?,"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 .",https://help.qonto.com/en/articles/4805492-how-can-i-remove-my-qonto-card-from-apple-google-wallet How can I pay with Apple/Google Pay?,"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.",https://help.qonto.com/en/articles/4805518-how-can-i-pay-with-apple-google-pay How does my card insurance work?,"Who is Qover? Qover is the insurance provider - operating as an agent of the insurer. They arrange a group insurance policy for your benefit as a One, Plus or X cardholder. This policy is underwritten by AIG. Qover insurance provides coverage to the Qonto cardholder, starting January 1st 2023. To consult the details of your card’s insurance coverage, you can download the terms and conditions here : One legal notice Plus legal notice X legal notice What type of transactions are covered by my card insurance? All cardholders of physical cards automatically have access to insurance coverage. Qonto card transactions are covered by the user’s active coverage at the time of payment. For insurance to apply, coverage must be active at the time of the transaction, and at the time of the incident that led to the claim. ​ You can compare card coverage options here . What is my coverage level if I have different cards? If you have more than one physical card in your name, you will automatically have the highest level of insurance coverage. For example: if you have a One card and an X card in your name, from the same organization, your insurance coverage is the one of the X card. When your X card expires, your coverage will downgrade to the One card’s coverage plan (unless you order the X card again). ​ Do I have insurance on the virtual cards? There's no insurance coverage with virtual cards, online advertising and Instant cards. However, if you also have a physical card in your name, you will benefit from its corresponding level of coverage for all your card transactions. ​ Can I pay an additional fee to get additional levels of insurance? Today, if you want to get a better coverage for your card, you need to order a more premium card. If you have a question about your insurance coverage, you can reach out to our insurance partner by: submitting a request here or by calling them at: (Monday through Friday, 9AM to 4PM). FRANCE +33 1 82 88 03 95 GERMANY +49 800 7235087 ITALY +39 800 693 872 SPAIN +34 900 423 458 What is Caarl? Caarl is an insurtech specialized in Legal Expenses Insurance and legal services. Caarl offer is available only for premium cardholders ( PLUS and X cardholders ) and allows you to book an online appointment of 30 minutes with a lawyer in the following legal fields: Business Law (Business contracts, clients and supplier disputes, debt recollection...) Corporate Law (Bylaws, Shareholders agreements, funding rounds, bankruptcy...) Real Estate Law (Commercial leases, renting disputes, property transactions, business transfers, unpaid rent recollection...) Labour Law (Employees dispute, union management, labour tax...) Social Protection (Social security, health mutuals...) Tax Law (VTA, real estate, tax inspection...) Data Privacy (GDPR) You can get up to 2 appointments per year if you own a PLUS card, and up to 5 appointments per year if you own an X card. You can have all the details on this page: https://qonto.caarl.fr/en/login 👉 Consult one of our existing FAQs: What is the fraud and phishing insurance coverage protection on the cards ? What Travel/Purchase insurance is offered on the Plus and X cards?",https://help.qonto.com/en/articles/6845042-how-does-my-card-insurance-work How can I add my Qonto card to Apple/Google Wallet?,"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.",https://help.qonto.com/en/articles/4805462-how-can-i-add-my-qonto-card-to-apple-google-wallet What is the fraud and phishing insurance coverage protection on the cards?,"You are covered in case of fraudulent purchases made with any of your physical cards, or in the case of withdrawals made from your account if your card was stolen or lost. What is the excess for fraudulent payment? There is no excess for this coverage. But the maximum benefit amount is limited to €3000 per year, per cardholder. What should I do if I'm a victim of phishing? You have to report the incident to Qonto in order to block the card and the account. You must then follow Qonto's instructions to secure your account and your cards again. If needed, Qonto can ask you to change your credentials. You also have to report the incident to the police.",https://help.qonto.com/en/articles/6845097-what-is-the-fraud-and-phishing-insurance-coverage-protection-on-the-cards What Travel/Purchase insurance is offered on the Plus and X cards?,"What is travel assistance? The travel assistance coverage provides you with a series of services to help you in the case of accidents, death, repatriation, or legal suits that occur while you are traveling. What is the purchase protection insurance? Purchase protection offers you protection against theft and accidental damages for all products paid in full with your Qonto Plus or X card. Coverage Travel insurance eligibility • A Plus or X cardholder • The spouse of a Plus or X cardholder • The cardholder’s unmarried children or grandchildren, under the age of 25 • The cardholder’s fiscally dependent ascendants Trips eligible • Trip purchased with the Plus or X card • Travel was more than 100km from the insured home or office location • Trip was shorter than 90 days • Worldwide, except in specified countries: North Korea, Cuba, Iran, Sudan, Syria, Ukraine. Trip cancellation If your trip has been cancelled or delayed due to an accident, death, layoff, employer-caused change of holiday date, or professional change: • €5000 per insured person/per year Travel delay Inconvenient expenses that you encounter due to: • A train or flight delay • A train or flight cancellation • A limit of €800 per claim regardless of the number of insured people on the trip (food, drink, hostels, airport transfers or purchase of new ticket can be reimbursed) Luggage • Refund up to €1000 per claim in the case of loss, theft or damage by the transport carrier • A €70 deductible, to be paid out of your own pocket, remains. Car rental waiver • Refund up to 5000€ for the excess you had to pay in case of damage or theft of the rented vehicle (provided that you rented the vehicle with your Qonto card and that the rental company does not offer insurance covering this deductible) Snow & mountain • Search and rescue costs in the mountain • Medical costs • Damage to ski gear • Unused ski lessons and unused ski passes following an accident Purchase protection • Minimum value of the purchase must be over €50 • Maximum benefit amount is €1250 per claim, and €2500 per year/per cardholder • Smartphones are covered against theft or damage, as long as you are an X cardholder and you have bought the smartphone in full with the card. Items not covered • Animals, plants, food or beverages • New or used motor vehicles • Cash, traveller’s cheques, bonds, securities, shares, or any marketable securities or instruments • Transport tickets • Entrance tickets for any type of sporting or cultural event, concerts • Jewelry or precious stones, artwork, gold or silver products • Goods purchased for resale • Weapons and counterfeit objects Where can I get the travel insurance certificate for my Visa application ? If the Visa agency or embassy ask you for a travel insurance certificate for your trip, paid for with your Qonto Plus or X card, you can request it via this application form .",https://help.qonto.com/en/articles/6845105-what-travel-purchase-insurance-is-offered-on-the-plus-and-x-cards What to do if I need to activate my insurance or get a quick assistance ?,"What are the eligibility conditions for the assistance ? There are two main conditions: You have a valid Plus or X Qonto card at the time of the incident. All transactions must be made with your Qonto card. How can I get assistance in case of an emergency? If you are a Plus or X cardholder, repatriation, urgent medical expenses and legal assistance are covered when you travel abroad. To contact the assistance provider, please call: +33 1 49 02 46 70 or send a message to [email protected] if your company is based in France. +49 69 22 22 80 17 / [email protected] if you company is based in Germany. +39 02 36 00 06 83 / [email protected] if your company is based in Italy. +34 911 149 989 / [email protected] if your company is based in Spain. How can I file a claim? To make a claim, simply fill out the online form that you’ll find here . If your claim is related to a transaction made before January 1, 2023, contact our previous partner AON via: - [email protected] or +33 1 49 02 56 10 if your company is based in France. - [email protected] or +34 911 149 988 if you company is based in Spain. - [email protected] or +39 02 36 00 06 82 if you company is based in Italy. - [email protected] or +49 69 22 22 80 16 if your company is based in Germany. What happens right after I submit my claim? Once you’ve submitted the claim, you’ll receive an email confirmation from Qover. After that, simply wait for further updates as we assess your claim and check its validity. Your supporting documents will be reviewed and the claim amount calculated. If we need further information, we’ll reach out to you. Once your claim is approved, you’ll receive the payment via a money transfer on your Qonto bank account. Who should I contact if I’m unhappy with the outcome of my claim? If you’re not happy with the outcome of your claim, you can contact Qover's mediation department at [email protected] . Make sure to provide all details to speed up the process. How to get proof of travel insurance cover? You can complete the form online to make your request.",https://help.qonto.com/en/articles/6788849-what-to-do-if-i-need-to-activate-my-insurance-or-get-a-quick-assistance How to pay with my physical card before receiving it?,"What happens when I order a physical card? Once ordered, you can immediately access a digital version of your new card through your Qonto app or other digital wallets and start shopping online or in-store right away while waiting for its physical version. 1 - Online payments : You can find your new card details directly from your Qonto app and use them to pay online. Your online payments are secured via 3DS protocols, learn more about it here . 2 - In-store mobile payments: You can start using your physical card in store by adding it to Apple Pay or Google Pay in a few clicks. Why do I need to activate my PIN code? Once you receive your physical card, using your PIN code for the first time (physical payment or withdrawal) will allow to fully activate your card in a secured way: The contactless payments The monthly payment limits above 20,000€ for PLUS and X cards",https://help.qonto.com/en/articles/6952381-how-to-pay-with-my-physical-card-before-receiving-it Why am I unable to pay the toll?,"When you pay with your card, the merchant requires pre-authorization to make sure your account has the funds needed for payment. ​ The payment terminal (TPE) communicates with the creditor bank in real time, which allows for an almost immediate response to the pre-authorization request. To do this, it must be connected to the Internet . In fact, without a connection, the TPE will not be able to send the authorization request, which is essential for payment validation. ​ This generally happens with payments: of underground parking lots from bars/restaurants on trains or ships at self-service ticket vending machines. ​ For your parking space, we suggest that whenever possible, you make payment at the parking attendants. Alternatively, subscribe to the Telepass device to pay for your parking spaces with security. ☝️ Good to know: Qonto is not affiliated with Viacard and Telepass Business services. This means that: You can apply for a new consumer Telepass service, dedicated to individuals , or have the cost of an existing consumer Telepass charged on Qonto You cannot apply for a Viacard business and open a new Telepass business service on Qonto, but you can designate the Qonto account to charge an existing Telepass business service.",https://help.qonto.com/en/articles/4814727-why-am-i-unable-to-pay-the-toll How can I submit a card request?,"💡 For Business and Enterprise plan users , employees can request cards to Admins or Managers, who are notified and can approve or reject the request in just a few clicks. Which cards can be requested? Employees can request two types of cards: Virtual card this is ideal for recurring expenses, for example online subscriptions for marketing tools or softwares. You will need to submit a proof of identity to request a Virtual card, it won’t be usable if your identification is not validated. Instant card for one-off expenses, this temporary virtual card is set for a specific budget and validity period. The Instant card expires right after the chosen end date. As an Employee, you won’t need to submit a proof of identity to request a Instant card, you will be able to use it once it’s validated by the Admin or Manager. How to request a card To request a card, go to the Request section of your app, click on Make a request, then choose the type of card. Fill in the following settings. Virtual card Add the recurring monthly budget needed. The Admin or Manager will be able to edit it if you need more budget after validation. Inform the reason why you need the card, to give more context to the Admin or Manager. Instant card Add the temporary budget needed. The Admin/Manager will be able to edit it if you need more budget after validation. Select the final day of use. This date can be no earlier than the following day and no later than one year from the application date. It can’t be changed. If you need it for a longer period, you’ll need to request a new card. Inform the reason why you need the card Once you submit a card request, the Admin or Manager will be notified by email and mobile notification. How can I track my card request? Once the card is created (or the request is declined), you will be notified by email and mobile push notification. In the meantime, you can go in Request tab of your app to check the status of your request: it will show as pending, declined or approved. Can I edit or cancel a card request? You can cancel a card request as long as it hasn’t been approved or declined. However, you can’t edit a request. If you’d like to change your request, please cancel it and start a new one. ☝️ After you have made a transaction using your card, don’t forget to add a receipt .",https://help.qonto.com/en/articles/5925834-how-can-i-submit-a-card-request "My card transaction is rejected, what can I do ?","Here is some common troubleshooting in order to solve a card transaction problem by yourself. First depending on the payment method , then on general card usage and setting . 📳 Physical contactless payment rejected 👉 Check that your Contactless payments option is well activated for this card*. 👉 Check that you haven’t reached your limits of €150 consecutive contactless payments . In which case, it will be necessary to perform a transaction using your PIN code. 👉 Try to perform the same payment, inserting your card (PIN code). 💳 Physical magstripe payment rejected 👉 Check with the merchant that they allow this payment type . Indeed, some merchants don't allow it. 👉 Try to perform the same payment, inserting your card (PIN code). 🔢 Physical PIN code payment rejected 👉 Check with the merchant that the payment terminal doesn't have an Internet connection problem , which can cause a payment rejection. 💻 Online payment rejected 👉 Check that the card information have been filled in well : Are the expiration date and the CVV number correct? Is the card being indicated as a debit card and not a credit card? Are the embossed name and billing/shipment addresses correct? Is the name registered on the site the same as your company's? 👉 Check that the phone number registered for a 3DS authentication matches yours. 👉 Check that you haven't activated an ad blocker or a plugin that could prevent the payment from being performed. 📖 Common troubleshooting for a rejected card transaction Card activation 👉 Check that the card has been activated (Physical cards only) . Payment limits 👉 Check that your account balance isn't insufficient ; 👉 Check that the limits of the card aren't exceeded* ; 👉 Check that you aren't in a balance check case (automated gas station, hotel, car rental, etc.). Card blocking 👉 Check that the card hasn't been automatically blocked , following 3 wrong PIN codes in a row (Physical cards only) . 👉 Check that the card hasn't been temporarily blocked either by the account Owner, or an Admin, or a Manager*. 👉 Check that the card hasn't been deactivated/deleted , after having been declared as lost or stolen. Use abroad 👉 Check that the Payments abroad option of your card is well activated* ; 👉 Check that the country in which you've used the card is not on the sensitive countries list . In that case, please get in touch with our customer support. Cash withdrawals 👉 In the case of a cash withdrawal at an ATM, please keep in mind that it might be sometimes refused by the ATM for one of those two reasons : - The ATM own limits might block transactions of a certain amount ; - The ATM might not be detaining enough cash to handle your request. 💬 If you can't find a solution to your problem even with these proposals, contact us directly by chat from your Qonto interface , by clicking on the bubble in the bottom right corner. We'll be glad to help you ! *If you need to raise your limits, remove a temporary block, or modify your settings, please get in touch either with the account Owner, or an Admin, or your Manager.",https://help.qonto.com/en/articles/4359582-my-card-transaction-is-rejected-what-can-i-do "How do I block an ""in progress"" card transaction?","A card transaction is in progress or has been validated on your account? You don't agree with this payment and would like to refuse it? If the transaction has been refused by the merchant but appears to be in progress on your account, go here. If the fraud is not of your making, please block your card as soon as possible and follow the steps listed here . In the event of a dispute with a merchant you know, we suggest that you first contact the merchant to find an amicable solution. It is not technically possible to refuse a transaction in progress. However, the merchant may reimburse you if the transaction was unnecessary. If this is unsuccessful, we invite you to contact us, enclosing the e-mail exchanges you have had with the merchant.",https://help.qonto.com/en/articles/5028552-how-do-i-block-an-in-progress-card-transaction What are the different statuses of a card transaction?," Transactions related to your Qonto account appear immediately in your transaction history and your balance is updated instantly . You can choose to filter the view of your transactions to show only those related to your cards. To do so, from the Business Account > Transactions , you can click on Filters then select Method and Card . Your interface may provide a clarification depending on the status of the transaction: A card transaction indicated as ""Processing"" has been authorized on our end but the merchant has not yet confirmed the debit. The amount is blocked on your account but has not yet been debited ( more info here ). The transaction will then be declined, reversed or settled. A card transaction marked as ""Declined "" has not been authorized and therefore has not been charged to your account ( more info here ). ​ A card transaction marked as ""Reverted "" means that we have not received the confirmation from the merchant. The amount has been released on your available balance. ​ A card transaction that does not indicate any details is ""Settled "" and the merchant’s account has been credited. The amount has been debited from your account. ​ How are card transactions processed? When you pay with your Qonto Card, the merchant performs an authorisation request to ensure that you have the required balance on your account. This authorisation request is usually for the same amount as your purchase and appears in your account history as a pending transaction . The pending flag disappears after the transaction is completed, usually 2 or 3 days after your payment. In some cases, the amount after a pending card transaction may change over time: If you don't remember the amount of a pending transaction, you can find the most common cases here: - A balance check A merchant (automated petrol station, hotel, car rental company, etc.) may make an authorisation request to your bank to ensure that your account has sufficient funds to cover the amount to be paid. These requests may remain marked as 'in process' in your account history for up to 9 days before being processed. - A card verification A merchant (online merchant, service app, etc.) may make an authorisation request to your bank (usually for an amount less than €1) to ensure that your card is valid. These requests may remain marked as 'in process' in your account history for up to 9 days before being processed. - The remaining amount of a previous authorisation request Sometimes the amount of an authorisation request can be higher than the amount you end up paying. For example, a hotel may run an authorisation request for an amount equivalent to a 3-night stay, while you end up paying for only one night. In some of these cases, a remaining authorisation request (which is the difference between the amount originally authorised and your amount paid) may remain on your account for up to 9 days before it is processed.",https://help.qonto.com/en/articles/4359573-what-are-the-different-statuses-of-a-card-transaction Do you want to dispute a card debit?,"There are different types of card dispute 👇 1. A commercial litigation You have registered your card number on a merchant’s website : The merchant did not meet his commitments You paid for a service, but it was not honored Your order does not comply or has not been delivered The ordered item is not consistent with the one displayed on the site The package was not delivered For these cases, we invite you to first contact the merchant to request a refund. If you do not get satisfaction, you will have to gather all the written exchanges with the merchant. You have a maximum of 90 days to dispute a commercial dispute. 👉 Once your dispute file is complete (including exchanges with the merchant), we invite you to contact us through the chat and select “ Card transaction dispute ”. You will be led to a survey to fill in for more details. You notice a recurring debit from a merchant you know : It is possible that you have unwillingly signed up for a subscription program following a payment on the merchant's site. This typically happens when a box is checked by default and gives you access to a free trial, which will be automatically renewed and charged later. Unfortunately, Qonto cannot intervene in this case . You will have to request the cancellation and refund of the subscription from the merchant's customer service . 2. A fraudulent payment by card You notice a card payment that you did not initiate : First of all, we advise you to declare your card as “lost” or “stolen” to avoid new fraudulent transactions. 👉 We then invite you to contact us through the chat and select “ Card transaction dispute ”. You will be led to a survey to fill in for more details. You have a maximum of 8 weeks to dispute a fraudulent payment. 3. An ATM withdrawal (automated teller machine) You made a withdrawal but the bank notes did not come out : 👉 We invite you to contact us through the chat and select “Card transaction dispute”. You will be led to a survey to fill in for more details. You have a maximum of 120 days to dispute an ATM withdrawal.",https://help.qonto.com/en/articles/5319222-do-you-want-to-dispute-a-card-debit How do I release a deposit ?,"When you make a pre-authorization hold for a rental: If the amount is less than €1,000 it will be released within a maximum of 9 calendar days from the date of pre-authorisation. Qonto is not part of the process in this case and only the merchant can release the funds before this delay. If the amount is equal or higher than €1,000 it will be released within a maximum of 31 calendar days from the date of pre-authorisation. No worries, for such an amount, we can release the funds earlier if you send us the closing card receipt of the transaction the merchant gave you. ☝️The closing receipt must contain the last 4 digits of the card and the file number.",https://help.qonto.com/en/articles/5165756-how-do-i-release-a-deposit Why does my transaction appear to be higher than its actual amount?,"If your transaction appears to be higher, it means that the merchant has made a pre-authorization hold during your payment. What is a pre-authorization hold? In order to ensure that the payment will be properly honored, (that is, to verify that the balance has the necessary funds), the merchant makes a pre-authorization hold of a greater amount than the final amount of your purchase. This pre-authorization hold appears as a “pending” transaction on your account before being replaced by a transaction of the actual amount of your purchase. In which cases does the merchant make a pre-authorization hold? When refueling at automatic fuel dispensers ⛽️ The automated fuel dispensers charge a debit on your account in an amount typically between €90 and €150 before allowing you to refuel. This pre-authorization hold is then regularized by the actual price of your transaction just after your refuel. It may happen that the distributor or merchant doesn't regularize the transaction. In this case, your account will be regularized within 1 to 9 days when the merchant will send us the confirmation of the operation. When renting a vehicle or equipment 🚗 When you rent a car or equipment, the merchant makes a bank impression in the form of a pre-authorization hold. If the amount is less than €1,000, it will be released within a maximum period of 9 days. If the amount is more than €1,000, it will be released within 31 days . You can have more info about this here When staying in a hotel 🏨 When you stay in a hotel, the hotel makes a larger pre-authorization hold to ensure that your balance covers the total amount of your stay. This pre-authorization hold can remain in your account before being regularized by the debit of the actual amount of your stay.",https://help.qonto.com/en/articles/4359571-why-does-my-transaction-appear-to-be-higher-than-its-actual-amount What’s a “processing” card transaction?," When you pay with your Qonto card, the merchant makes an authorization request to verify that you have the necessary funds in your account. This authorization is usually for the full amount of your purchase ( unless exceptions ) and appears in your Qonto account history as a ""processing"" transaction. Card transactions are usually confirmed by merchants within 2-3 days, so it may take that long to appear in your transaction history. Please note that the amount is blocked on your account but has not been debited . ☝️ Without confirmation from the merchant, the transaction can remain ""processing"" in your Qonto account history for up to 9 days. After that time, the transaction will be automatically canceled by the system and will appear crossed out Payment declined but displayed ""processing"" on my account Your card transaction has been declined by the merchant however the transaction is displayed under ""processing"" on your account? Rest assured, this operation will not be debited! The payment authorization is sent to the merchant to validate the transaction. Sometimes, your payment is authorized by Qonto but the merchant does not receive confirmation due to interbank connexion issues. The payment is then refused on the merchant’s terminal. If Qonto does not receive the information regarding the rectifying transaction, the transaction remains under ""processing"" on your account. As per Mastercard rules, the displayed transaction will disappear from your account within maximum 9 days. Your balance will then be updated.",https://help.qonto.com/en/articles/4359569-what-s-a-processing-card-transaction What should I do if my Qonto card is lost or stolen?,"How can I permanently block a card? Whether your Qonto card is lost, stolen or even broken, you can deactivate it directly from your account: From the section ‘Business Account’ , click on 'Cards' Select the appropriate card and click on Report lost/stolen , at the bottom of the right-hand side. Then, select ' Report as lost' or ' Report as stolen'. Finally, enter your password to confirm the action. ☝️ Good to know: This is an irreversible action that will permanently block your card . So check your recent transactions to make sure that there has been no fraudulent use of your account. The cost of a new physical card is 6 € HT, except if it was lost during shipping. What should I do if there is a fraudulent operation? You just checked your last transactions, and you think you are being defrauded? We explain to you what to do, step by step, right here . If you have any doubts about a transaction, you can start a chat with us by logging in your Qonto interface. **We would be happy to help you.",https://help.qonto.com/en/articles/4359603-what-should-i-do-if-my-qonto-card-is-lost-or-stolen How can I see or change my PIN?,"How to see my PIN? Your PIN code is accessible at any time in your Cards section from your desktop or mobile app. To find it: Go to the Cards section Select your card Click on “ See PIN ” 💡 If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone. ☝️ Have a doubt on your PIN? Please do check it before trying again. Indeed, if you enter 3 times a wrong code, your card will be blocked and you’ll need to change your PIN. How to change my PIN? If you entered 3 times a wrong code or just forgot it, you can reset your PIN code anytime from your application. To reset your PIN code : From the section ‘Business Account’ , click on 'Cards' From the right tab of your screen, click on ‘Reset PIN’ code and define a new card PIN code. To finalize the activation, you have to complete 2 transactions using your PIN at an ATM. You do not need to validate the withdrawal, you can cancel the operation after entering your PIN or deactivate this option on your card. ☝️ Upon receipt of your card, if you do not remember the first PIN defined during the order , it won't be possible, for security reasons, to request a reset. In this case, you will have to delete this card and order a new one . How to choose a secure PIN code?",https://help.qonto.com/en/articles/4359601-how-can-i-see-or-change-my-pin How do spending categories work for cards?,"💡 Admins, Owners and Managers from Essential, Business and Enterprise plans can set up spending categories on cards. What are spending categories? Spending categories enable employees’ cards payments to be authorized for specific categories of expenses only. Qonto proposes six spending categories, corresponding to your main business cases: Food & Grocery Restaurants & Bars Transportation Hotels & Lodging Gas stations Equipment & Tools When a card payment occurs, the Merchant Category Code (MCC) attributed to this transaction is automatically scanned to see if it matches the allowed category under Qonto’s classification. If it does, the transaction is authorized. If it doesn’t, the transaction is declined. However, as MCC are not attributed by Qonto, some payments can be authorized or declined against user expectation. For example, if a merchant provides multi-services, like take-away and restaurant, its MCC could be linked to the restaurant service and may not be authorized for a card which only had “Food & Groceries” authorized. Spending categories is a tool to gain greater control, but the results may be impacted by merchant’s MCC code attribution. To better manage expectations, the card transaction of an employee is declined, the employee will receive an instant notification which will advise to contact the Admin to change the restrictions of spending categories. If you encounter any problem, do not hesitate to contact us by chat ! How to create cards with spending categories? Spending categories apply to physical or virtual cards (not Instant cards). From the section ‘Business Account’ , click on 'Cards' then on ‘ Create a card’. Select the account you’d like to charge and the person you’d like to attribute the card to. Set up the card’s parameters and click on the toggle Specific spending categories to display the drop-down of options. You can select multiple categories. Continue the set up and validate. How to edit spending categories? ☝️ As an Owner, Admin or Manager, you can edit cards’ spending categories at any time, from your mobile or desktop app. To do so, in your Cards section, click on the card and click on the 🖋️ next to Advanced settings.",https://help.qonto.com/en/articles/5848534-how-do-spending-categories-work-for-cards How to delete a card?,"How to delete a physical card ? Deleting a physical card is simple : you have to declare it as “stolen/lost” from your interface (even if you still have this card in your possession). ☝️ Good to know : Your card will definitely be deactivated, you will not be able to reactivate it afterward. To delete your card : From the section “Business Account” , click on “Cards” . Select the relevant card and click on “Report lost/stolen"" in the lower right corner. Then select the “Report as lost” or “Report as stolen” option. Confirm the action via Strong Customer Authentication on your paired device ( more info here ) Done, your card is deactivated ! How to delete a virtual card? You can easily delete a virtual card (including Online advertising cards and Instant* cards) from your Qonto interface. This action must be performed by the Account Holder, Admin or Manager (for their team). ☝️ Good to know : Your card will definitely be deactivated, you will not be able to reactivate it afterward. From the section “Business Account ”, click on “Cards” Select the virtual card you want to delete In the bottom right corner, click on “Delete Card” . Then select “Delete” Done ! Your virtual card is deactivated. 💡 If the card is ""Blocked"", it must first be ""Unblocked"" before it can be deleted. Check this article to know how to proceed. The Instant* card expires on the end date set initially. Available on Business (Advanced) and Enterprise plans only.",https://help.qonto.com/en/articles/5028577-how-to-delete-a-card "How can I know my card number, CVV and expiry date?","For physical cards, you'll find all the information on the back: The card number (also PAN: primary account number) (PAN or simply called 'card number') is the 16-digit number The card's expiry date (month/year) The card verification value (CVV) is the three-digit number located on the back of your MasterCard, next to your signature. Holder name Company name Note: Do not take or share any pictures of the back of your cards. You can access this information from your Qonto account for your virtual and physical cards : From the section ‘Business Account’, click on 'Cards' Select a card and click on "" Reveal"" Enter the security code you received by text. 💡If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone.",https://help.qonto.com/en/articles/4359602-how-can-i-know-my-card-number-cvv-and-expiry-date How do I set the PIN code of my Qonto card?,"The creation of the PIN code confirms the order of your Qonto card. Without your validation, we will not be able to send your card. Note: For security reasons, the system does not accept the following combinations: 0000 (4 x zero) or 0243 (which begins with zero) or 1234 (too simple number sequences). Are you Admin of your Qonto account or a Manager? If you order a card for yourself, you have to set the PIN code at the moment of the order. Are you an Employee? If your card has been ordered by the admin of your account or your manager, you’ll receive an email including a link and instructions for you to choose your PIN code. You can also do it directly from your personal space. If you haven’t submitted your proof of identity yet before setting your PIN code you will be required to have an approved proof of identity. For security reasons, the order will be confirmed only after you have set the PIN code and your proof of identity is validated. Once received, you will have to activate the card . ☝️ Good to know: your PIN code will be visible at any time from your Qonto web or mobile app, after you’ve activated the card. Click here for all the details .",https://help.qonto.com/en/articles/4359597-how-do-i-set-the-pin-code-of-my-qonto-card How do I manage my card's settings?,"From the section ‘Business Account’, go on 'Cards'. When you select a card , its settings appear in a new tab on the right and you can start customizing them. Please note that only Account Holders, Admins and Managers (for their team) and primary owners can manage card settings. Physical Card With a physical card, you can pay online or offline (with PIN code or contactless) and you can withdraw cash. You can use your physical card in France or abroad. On a physical card the Admin or the Manager can set: Custom card name in-app (e.g. 'Travel card', 'Office expenses card'...) Authorization to withdraw money Authorization to pay contactless Authorization to pay online Days of use (for example from Monday to Friday) Authorization to pay only for certain spending categories Monthly limit (up to € 200,000 for X card) Daily limit Transaction limit Virtual card With a virtual card, you can pay directly from creation, online or offline (by adding it to Google pay / Apple pay). If your physical card hasn’t arrived yet, you can start spending with a virtual card. On a virtual card, the Admin or the Manager can set: Custom card name in-app (e.g. 'Google Ads', 'LinkedIn', 'Amazon'...) Monthly limit (up to 20 000€) Daily limit Transaction limit Days of use (for example from Monday to Friday) Authorization to pay only for certain spending categories Online advertising Card With an Online advertising card, you can manage your marketing campaigns across top ads platforms and merchants like Facebook Ads, Google Ads, and others. You won’t have to worry about your campaigns getting blocked due to running out of funds or exceeding your budget, all thanks to high spending limits (€200,000/month, or more upon request and approval*), flexible controls, and efficient delegation options for your team. Instant Instant* card is a temporary virtual card. It can be attributed to any member of your team for a specific occasion. On a Instant* card the Admin or the Manager can set: Custom card name in-app (e.g. 'B2B conference', 'Offsite dinner', 'Client visit in Berlin'...) When creating it: a budget and a time of validity The budget can be adjusted throughout the time of validity The time of validity can’t be modified. If the card holder needs to pay after the chosen date, the Admin or the Manager will need to create a complementary Instant card. Employees can now pre-fill some of their card settings by requesting a virtual card or Instant card* via their Qonto interface.* These settings can be changed and completed by an Owner, Admin or Manager at any time. 👉 How can I submit a card request? *only for Business and Enterprise subscription Can I make contactless payments with my Qonto card? All physical Qonto cards include Near Field Communication (NFC) technology. This technology allows you to make contactless payments. Whether you have a One, Plus or X card, you can pay up to €50 without having to tap your PIN code to confirm a transaction, so you can save time at the checkout. All you have to do is bring your card within 3 cm of the payment terminal. Please note that contactless payments can be enabled or disabled by an Admin or Manager in the card settings section. What are the limits? For security reasons, some limitations apply regarding NFC payments: All payment above €50 will be automatically rejected (above €25 in Italy) You can pay up to €150 consecutive contactless payments . Beyond this amount, you will be asked to tap your PIN code to reset the limit.",https://help.qonto.com/en/articles/4359600-how-do-i-manage-my-card-s-settings How can I renew a card when it expires ?,"Is a card belonging to you or a team member about to expire? Renewing a Qonto card requires very little effort on your side. The process is clear and automated, so you can keep paying for whatever your business needs. Plus, it’s completely free. On which exact date does my card expire? The expiration date is written on your card as follows: MM/YY. That means the card will be valid until the very last day of the month indicated. For example, if the expiration date displayed on the back of your card is 07/22 , it means that your card will be valid until 23:59:59 on July 31, 2022 and will no longer work on August 1, 2022. How and when am I informed about my card’s expiration? I am a cardholder (regardless of my role in the company): 10 weeks before the day your card expires, you will receive a first email prompting you to confirm or update your delivery address. You have 2 weeks to update or confirm it. 💡If you haven’t confirmed or updated you delivery address within these two weeks, the card will be sent by default to your company address. 6 weeks before the day your card expires, your new, replacement card will be sent to the address that appears in your Qonto interface. You’ll receive a push notification message on your phone indicating the estimated delivery time and the delivery address. Around 5 weeks before the day your card expires, you should receive your new card at the given address. Once you’ve received your new card, simply activate it directly from your Qonto interface. I am an Admin or Manager and manage a fleet of cards: 10 weeks before a card expiration date, you will receive an email indicating that one or more cards in your fleet will soon expire and that a replacement card (or cards) will be sent to you automatically. What happens if my physical card is attached to Google or Apple Pay ? Google and Apply Pay will be automatically updated with your new physical card’s information 45 days before your old card expires. In other words, 6 weeks before your old card expires, it will be replaced by your new virtual card information. What happens to my new card informations and settings? Your physical card will have a new credit card number. Some merchants have automatic access to the new card information for recurring payments, so your new card may be debited in these cases without you having to do anything. While the card number will change, the card’s settings will not. The new card will maintain the same payment limits and settings as the old card. What happens if my virtual card is about to expire? In the case of a virtual card, you will receive an email 1 month before its expiration date informing you that it’s about to expire. You will need to create a new virtual and reconfigure your personal options and settings. What happens when I have paid for a virtual card? (Only applies for Solo Basic plan) V irtual cards are free except if you are in the solo basic plan While you’ll be able to use both cards during the 45 day transition period, you will only be charged for one. When the old card expires or is deleted , the billing for the new card will automatically start.",https://help.qonto.com/en/articles/6186977-how-can-i-renew-a-card-when-it-expires How do I activate my Qonto card?,"I've just received my card, what do I do now? Once ordered, you can immediately access a digital version of your new card through your Qonto app, more infos here . Nevertheless, to finalize its activation, you have to activate its PIN code. Why do I need to activate my PIN code? Once you receive your physical card, using your PIN code for the first time (physical payment or withdrawal) will allow to fully activate your card in a secured way : The contactless payments The monthly payment limits above 20,000€ for PLUS and X card 💡 By downloading the mobile Qonto app you’ll have access to your PIN code at any time, so you can check when you have any doubt. Depending on your Plan, the withdrawal can be billed 2€ excl. tax . You have the possibility to cancel the withdrawal after entering your PIN to avoid fees. Good to know You can customize the name of your cards to organize your expenses. 👉 How to customize my Qonto card name? If the card has been set up for you, you can review at anytime the payment limits and options you have access to from your Cards section.",https://help.qonto.com/en/articles/4359599-how-do-i-activate-my-qonto-card How to customize my Qonto card name?,"🔍 Gain visibility managing your cards by adjusting their name in-app. Why should you name your cards? Naming your cards helps you organize your expenses. For example: Physical card (One, Plus, X) can be dedicated to job duties: 'Travel card', 'Office expenses'... Virtual card can be dedicated to a recurring online subscription or marketing channel: 'Google Ads', 'LinkedIn', 'CRM tool'... Online advertising card is dedicated to marketing channel: 'Google Ads', 'LinkedIn', 'CRM tool'... Instant card are dedicated to a one-off expense you can name: 'B2B conference', 'offsite dinner', 'Client visit in Lyon'... How to edit the name? From the section ‘Business Account’ , click on 'Cards' and select the card you'd like to rename Click on the 🖋️ next to Card Name and adjust the name Save, it's done! Fun fact? You can add emojis to your cards' name! 💫",https://help.qonto.com/en/articles/5811760-how-to-customize-my-qonto-card-name What is a card of domiciliation?," A card of domiciliation (or direct debit card) connects the payment terminal to a company's bank account and is especially useful for craftsmans or merchants. It generally has 7 digits and is known as a ""retail card for POS"". It is required for the configuration of the payment terminal (POS). With a direct debit card, you can: Collect the payment by credit card Refund the transaction Cancel the transaction ☝️ As a payment institution and not a banking institution, Qonto does not provide a direct debit card yet. Which is why we have teamed up with partners like Zettle , the European leader in direct debit for SMEs.",https://help.qonto.com/en/articles/6999479-what-is-a-card-of-domiciliation Why was my card blocked?,"You have blocked your 3D Secure (3DS) access When you make a 3DS payment, it must be validated either by a security code received by SMS, or by validation via your mobile application if you have enabled Strong Customer Authentication . After three unsuccessful attempts, your card may be blocked. In order to unblock it: From the section ‘Business Account’, click on 'Cards' Select the relevant card Click the “unblock” option at the bottom right of the page. You will then have to validate the unblocking by a confidential code received by SMS or via a strong authentication from your phone. If you are an employee, you need the validation of your Admin or Manager. ☝️ If the card still blocked, you will need to contact our support from your interface. You have blocked your PIN If you have entered 3 wrong PIN when withdrawing or when performing a physical payment, the status of your card becomes “ PIN blocked ”. You will need to follow the process to change your PIN here . ☝️ Upon receipt of your card, if you do not remember the first PIN defined during the order , it won't be possible, for security reasons, to request a reset. In this case, you will have to delete this card and order a new one .",https://help.qonto.com/en/articles/6092929-why-was-my-card-blocked How can I suspend/unsuspend a card ?,"You cannot find your Qonto card and wish to block it temporarily first, before maybe declaring it lost/stolen ? You can pause it. How can I block temporarily a card ? 🔒 From the section ‘Business Account’ , click on 'Cards' Select the card you want to suspend Click on 'Block card' Submit your choice. This action only suspends your card, it doesn't permanently block it. You can decide to unblock it after if you need to use it again. How can I unblock a card following a temporarily blocking ? 🔓 From the section ‘Business Account’, click on 'Cards' Select the card you want to unsuspend Click on 'Unblock card' Type in your password and select 'Unblock this card' Submit your choice. If you are an employee, you will need the validation of your Admin or Manager. I haven't found my card and think it is definitely lost/stolen 😔 First unblock your card if you have blocked it temporarily Declare it lost/stolen to block it permanently: Here are the steps",https://help.qonto.com/en/articles/6266228-how-can-i-suspend-unsuspend-a-card Does Qonto handle cash and can I pay using signature authorisation?,"Does Qonto handle cash? With Qonto, you can order physical cards, so you're able to withdraw money from any ATM. However, for security reasons, we do not process cash deposits . As a payment institution, we do not offer a cash float either. Can I pay using signature authorisation? With some merchants, payment authorisation can be completed by the signature method (and not the PIN code authorisation). This authorisation method is not accepted with your Qonto card. Every payment on a physical terminal has to be confirmed by your PIN code entry.",https://help.qonto.com/en/articles/4359636-does-qonto-handle-cash-and-can-i-pay-using-signature-authorisation How long does it take to receive a card ?,"Qonto physical cards are sent through tracked mail for One/Plus cards in France, and through DHL for X (Metal) cards and cards sent in Europe. From the reception of the confirmation email ""Your card is on the way"" the delivery times are approximately: 2 to 5 business days for the delivery of a One/Plus card for France 24h to 48h business days for the delivery of an X card in France and One/Plus/X cards in Europe In the DOM-TOM and outside Europe, the delivery times can go beyond 5 working days. Please also note that delivery times may be extended by a few days by La Poste or DHL and not Qonto. Those periods apply from the moment the card order is validated . In the case of a new account creation, the card order validation will only be effective from the moment the account is validated . 👆 Good to know: Postal tracking is available about 24 hours after the email confirmation of the card shipment. If you have not received your card within the maximum period announced, do not hesitate to contact us by starting a chat from your Qonto app. ☝️ For any delivery outside the European Union - including DOM-TOM, customs fees may apply. We invite you to contact our customer service. You can also read these articles to learn more : 👉 How do I activate my Qonto card? 👉 How can I order my Qonto card? 👉 How do I manage my card's settings?",https://help.qonto.com/en/articles/6247894-how-long-does-it-take-to-receive-a-card How can I upgrade my card?," You would like to change your One or Plus physical card for a more premium card to enjoy more benefits? You can upgrade your card to a more premium one in only four clicks, directly from the Cards section of your Qonto app, without having to worry about your old one. How can I upgrade my card for a more premium one? If you have one of the following roles on Qonto: Admin , Owner or Manager with authorization to manage cards; you can upgrade your card from your account. For this, connect to your Qonto account on desktop : Click on the Cards section and select the card you wish to replace On the side panel that appears, click “ Upgrade to a more premium card ” and choose the card you would like to upgrade to: either the Plus or the X card. Confirm the delivery address to send your new card to. Confirm your order via Strong Customer Authentication on your paired device ( more info here ) The new card appears on your Cards page 🎉 The old one displays the mention “To be deleted on [date]”. Which card will be active and when? The new card will be active as soon as you’ve confirmed the order, both for online and physical payments (via Apple Pay and Google Pay). The PIN will stay the same as for your former card. More details on this article . Your old card will automatically be canceled 1 month after your upgrade (on the same day of the following month). For instance, if you upgrade your Plus card to an X card on 14/06, the Plus card will stop being active on 14/07. How will I be billed if I order the new card? You won’t be charged for delivery of the new card. To avoid paying for both your previous and upgraded cards, you won’t be billed for the new card until your previous card is automatically deactivated, which will happen 1 month after you upgrade. If you were paying for your card (Plus card or One card not included in the plan), you will keep paying its monthly subscription fee until the end of the month. If your old card is a One card and is free of charge, it will keep being free. The new card will be billed at the beginning of the following month; in the meantime you’ll only pay for the old one. For example: You upgraded your Plus card to an X card on June 14 On July 1st, you will be charged for the Plus card for July, regardless of when it is deactivated Your Plus card will be automatically deactivated on July 14 You will be charged for the X card for August, on August 1st",https://help.qonto.com/en/articles/8153322-how-can-i-upgrade-my-card What are virtual cards and how to use them ?,"A virtual card is a 100% online payment card. The virtual card looks identical to your physical card, with its own virtual card number on the front and security code on the back. I am an admin or a manager, how do I create a virtual card ? From the section ‘ Business Account ’, click on ' Cards ' and select the virtual Card. You'll then have to select : An account associated with the card A cardholder : you or someone already on your team A budget : between €5 and €20,000. You'll be able to adapt the budget later Days of usage and spend categories according to your needs Once you confirm the order, the card can be used immediately and is available in the cards section of the card holder. I am an employee, how can I get a virtual card ? From the section ‘Business Account’, click on 'Cards' Click on Request a card Select Virtual card Add the context of your request in the notes field Click on Submit Application And that's it ! The admin or manager will then validate your request. A mobile or email notification will alert you when your request has been processed. How do I use a Virtual card ? Pay online by getting the card information from the card section of your app Pay in store by adding the card on Apple Pay or Google Pay It is not possible to withdraw cash with a virtual card",https://help.qonto.com/en/articles/6962299-what-are-virtual-cards-and-how-to-use-them What is the difference between the budget limit over a calendar month and 30 rolling days?,"Payments and withdraws amounts with both physical and virtual cards is now based on calendar days instead of 30 rolling days. In other words, your available balance resets itself on the 1st day of each month . The difference with the 30-day rolling system Previously, the payments and withdraws limits were not based on calendar days ex : January 1st - 31st) but on the last 30 rolling days. For instance, if your withdraw limit was 1 000€ on 30 rolling days and you withdrew 400€ on January 5th, it was necessary to wait until February 5th to get the 400€ back in your available balance. In this example, with the calendar days system, your available balance is back to 1 000€ on February 1st. The impact on your business We don't expect this to impact your daily operations or your finances, but as fellow planners we know how nice it feels to have all our bases covered. So here are a few tips ahead of this change. Rest assured, there is no change to your card details, so you won't need to adjust your automatic payments or subscriptions. On May 1st, you and your colleagues have seen their respective card monthly limit reset for the month. This means that they will be able to spend a higher amount than before on this 30 days period. For example, a colleague who spent 500€ on April 18th won't need to wait May 18th for the 500€ to be available again on his card. Cards created in the middle of the month have a pre-defined monthly spending limit to use until the end of the month. To avoid this, we suggest you to create your cards on the 1st of each month, or change the monthly spending limit according to your spending needs. We offer new customizable settings : a spending limit per transaction, a spending limit per day, or even depending on the day of the week. Therefore, more flexibility and control! >> How do I manage my physical card's settings?",https://help.qonto.com/en/articles/5097287-what-is-the-difference-between-the-budget-limit-over-a-calendar-month-and-30-rolling-days Qonto cards payment and withdrawal limits,"Qonto cards are personal and can be adapted to all member needs. The Admin of the Qonto account or the Manager (for their team) can limit the card payment and withdrawal capabilities of the members of his company. For more flexibility, these limits can be modified at any time from the section ‘Business Account’, click on ‘Cards’ . Any changes will be taken into account in real-time. Choose a card that suits your needs With a One card : Pay up to €20,000 and withdraw up to €1,000 per calendar month With a Plus card: Pay up to €40,000 and withdraw up to €2,000 per calendar month With an X card : Pay up to €200,000 per calendar month if you are enrolled SCA ( Strong Customer Authentication ) €60 000 per month if you haven’t activate your SCA . We strongly advise you to activate this strong authentification, following these steps : How to pair my phone with my Qonto account? Withdraw up to 3 000€ / month (💡If you are registered to a german account, you can benefit from higher withdrawal limits. Please klick here for more information) 👉 Once you receive your physical card, using your PIN code for the first time (physical payment or withdraw) will allow to fully activate your card in a secured way : The contactless payments The monthly payment limits above 20,000€ for PLUS and X card How to change the payment and withdrawal limits of a card?** During the card creation From the section ‘Business Account’, click on 'Cards' , click on Create card Choose between a physical card, virtual or Instant*card Then choose the payment and withdrawal limits of the new card in the Card settings section After the card creation Select the card that you want to change the limits in the Cards section. Click on Update in card settings Then, update your limits in the following window. Other options can be set up on your card. For more information, click here . * Available on Business (Advanced) and Enterprise Plans only",https://help.qonto.com/en/articles/4359592-qonto-cards-payment-and-withdrawal-limits What is Instant card and how to use it?,"⚡ Instant cards are available for Advanced, Business and Enterprise plans. Members added to Qonto as Managers can create Instant cards for themselves or their team members. Instant card, your temporary virtual card The Instant card is ideal for one-off expenses . ✔️ Set the budget and time validity that corresponds to a specific need: equipment purchase, team lunch, business trip, or any other one-time request. ✔️ Available immediately after creation , add it to Apple pay / Google Pay to pay in a shop, restaurant or gas station. ✔️ Instant card expires automatically on the date set . I am an Admin or a Manager: How do I create an Instant Card? From the section ‘Business Account’, click on 'Cards' and select the Instant Card. Then choose: An account associated with the card spend. A card holder : you, or someone on your team already on Qonto. A budget: Between €5 and €20,000, just like a virtual card. This budget can be changed at any time until the Instant card expires. A time of use : Set the end date of use. After this date, the card will automatically expire. Please note that this date cannot be changed. If you need a payment after this date, you will have to create a new Instant card. Once these parameters have been entered, the card can be used immediately and will be available in the Cards section of the selected card holder. I'm an Admin or a Manager: How do I manage an Instant card? Once the card has been created, no further action is required on your part: the Instant card will expire automatically on the date set. If the cardholder needs to increase the initially set limit, you can change the card settings at any time from the Cards section . From the Cards section, you can adjust the Instant card name to better fit its purpose (e.g. 'B2B conference', 'client visit in Berlin', 'offsite dinner'). In that way, you'll be able to better review cards and expenses. ⚠️ Please note that it is not possible to change the expiry date. If you need a payment after this date you will have to create a new Instant card. I am an Employee: How do I get an Instant card? You can now apply for an Instant card directly from the web or mobile application*. You don’t need to provide proof of identity to request an Instant card. From the section ‘Business Account’, click on 'Cards' Click on Request a card. Select the type of card Define the budget and the period of validity of the card Add the context of your request in the notes field Click on Submit Application . And that's it! The Admin or Manager will then validate your request. A mobile or email notification will alert you when your request has been processed. ☝️ You can also make your requests, as well as track existing requests in the Requests tab of your application. 👉 How can I submit a card request? only for Business and Enterprise subscription How do I use an Instant card? Pay online by getting the card information from the app ( Cards section ) and copy it on one click. Pay in store by adding the card to Apple Pay or Google Pay . The Instant card will automatically expire on the date set. Be careful, this date cannot be changed. If you have to pay after the date, you will have to ask for a new Instant card. Good to know: Remember to add your payment receipt. You can take a picture of the receipt from your application or forward a receipt by email",https://help.qonto.com/en/articles/5440624-what-is-instant-card-and-how-to-use-it How can I add money to my account for the first time?,"After creating your Qonto account, you have four different options for topping it up for the first time. They are available on all plans. Top up by card You can top up your Qonto account using a different bank card of yours or via Google Pay. The funds will appear on your account instantly. The minimum amount is 10 € and the maximum is 1 000 €. It is currently available on desktop only and it can be used only once per organisation. Your card details will be retained if you fail to pay your first Qonto subscription fee. ​ 💡 Only the holder will have access to the payment method and can delete it by going to Settings > Pricing & Billing > Payment Methods. Initiate an instant SEPA-in In case your current banks allows you to emit Instant SEPA transfers, you can top up your Qonto account by transfer in 10 seconds , any day of the week. Initiate a standard SEPA-in Standard SEPA transfers also work. It can take up to 2 to 3 days. Receive a payment You can download and share your IBAN details with a third party for instance with your customers and ask them to make their next payment into your Qonto account. ☝️ Good to know : You can add money to your account right after your contract has been signed. It will be available for you to use (e.g send money out of your account) once your account has been validated, it usually takes up to 5 to 6 hours from the account opening.",https://help.qonto.com/en/articles/5856645-how-can-i-add-money-to-my-account-for-the-first-time Additional information about X card withdrawal limits,"❗️ This article only concerns companies that are registered in Germany. In order to support you in your daily work in the best possible way, we have increased the withdrawal limits of the metal card for you. Please note that the new withdrawal limits of the X card only applies to accounts with a german IBAN. X Card €20 / month (excl. tax) Mastercard World Debit Benefit from a 0% foreign exchange commission on non-euro payments (and no fixed fees) Pay up to €60,000 per calendar month Withdraw up to €15,000 for free, per calendar month Take full advantage of a concierge service available 7 days a week Access airport lounges Benefit from Qonto’s most exclusive card insurance ✌️ Good to know: When ordering your X card, to confirm the order, you need to first top-up your Qonto account through a simple bank transfer. Find how to do it right here . 💡 Note: Settings already selected for active X cards are retained.",https://help.qonto.com/en/articles/6432685-additional-information-about-x-card-withdrawal-limits How can I approve a card request?,"💡 For Business and Enterprise plan users , employees can request cards to Admins or Managers, who are notified and can approve or reject the request in just a few clicks. Which cards can be requested? Employees can request two types of cards: Virtual card : this is ideal for recurring expenses, for example online subscriptions for marketing tools or softwares. Instant card: for one-off expenses, this temporary virtual card is set for a specific budget and duration. The Instant card expires right after the chosen end date. How to approve a card Once an employee requests a card, the Admin or Manager is notified by email and mobile notification. To approve a card request: Go to the Tasks section of your app, in the To Approve tab or directly on the Home section of your app, and click on Task icon. Select the card you’d like to approve Review the card information and select the account it will be linked to Click Approve at the bottom of the screen. You’ll have to comment on your decision if you choose to reject the card request. Can I edit a card request? You can edit the settings of a card only after you’ve approved it: the amount, the days of use or the authorized spending categories, for instance. You can also rename the card, for better management.",https://help.qonto.com/en/articles/5925694-how-can-i-approve-a-card-request How many cards can I have with my Qonto account?,"Each user can have up to 5 active physical cards. If your team is made up of 20 employees, all having access to the company’s Qonto account, each of them can have 5 active physical cards, for a total of 100 cards. Depending on the plan you chose, a number of Qonto cards are included. You have the possibility to combine physical and virtual cards and Instant* to suit your needs. ☝️ Good to know: Virtual cards are free and unlimited for Smart, Essential, Premium, Business (Advanced) or Enterprise plans. For more details about our pricing, click here . * Instant card is only available on Business (Advanced) and Enterprise plans.",https://help.qonto.com/en/articles/4359596-how-many-cards-can-i-have-with-my-qonto-account What are the different Qonto cards ?,"Qonto provides physical and virtual Mastercard debit cards (you can have up to 5 of each if desired ). Qonto physical cards Our physical cards can be used immediately after creation for all kinds of payments, in-store or online ⚡️ More infos here . According to your subscription, it will include one or several free ONE cards. Check what your subscription includes right here . You can follow the steps to order your card right here . One Card Free according to your subscription or 5€/month (excl. tax) Mastercard Business Debit Pay up to €20,000 per calendar month Withdraw up to €1,000 per calendar month Unlimited and free payment in Europe 2€ (excl. VAT) / withdrawal 2% foreign exchange commission on non-euro payments (and no fixed fees) Produced from recycled ocean plastic Plus Card €8 / month (excl. tax) Mastercard World Debit Color customization: silver, black or purple Choose between embossed or printed cards Pay up to €40,000 per calendar month Withdraw up to €2,000 per calendar month Unlimited and free payment in Europe 5 free withdrawals then 2€ (excl. VAT) / withdrawal 1% foreign exchange commission on non-euro payments (and no fixed fees) Benefit from advanced card insurance. More info here Produced from recycled ocean plastic X Card €20 / month (excl. tax) Mastercard World Debit Benefit from a 0% foreign exchange commission on non-euro payments (and no fixed fees) Pay up to €200,000 per calendar month if you are enrolled SCA (Strong Customer Authentication) €60 000 per month if you haven’t activate your SCA . We strongly advise you to activate this strong authentification, following these steps : How to pair my phone with my Qonto account? Withdraw up to €3,000 for free, per calendar month (💡 If you are registered to a german account, you can benefit from higher withdrawal limits. Please klick here for more information.) Take full advantage of a concierge service available 7 days a week Access airport lounges Benefit from Qonto’s most exclusive card insurance. More info here ☝️ Good to know: To confirm the order of an X card, you need to first top-up your Qonto account through a simple bank transfer. Find how to do it right here . Qonto virtual cards The virtual card can be included in your package or charged 2€ (excl. tax) / month. They allow you to make online payments up to €20,000 per calendar month. Find out more about it here Qonto Online advertising cards Online advertising card are virtual cards specifically designed to help you manage your marketing campaigns across top ads platforms and merchants like Facebook Ads, Google Ads, and other. Find out more about it here Qonto Instant cards Instant cards are temporary virtual cards. They are ideal for teams’ one-off expenses. No need to share a card or pay out-of-pocket! Find out more about it here",https://help.qonto.com/en/articles/7895311-what-are-the-different-qonto-cards "I have a legal or data protection query about my old Penta account, whom can I contact?","Questions about data protection at Penta As a former customer of Penta and thus as a data subject from a data protection perspective, you have the opportunity to exercise your rights as a data subject under the General Data Protection Regulation (GDPR). To do so, simply send an informal email to [email protected] with a brief description of your concern or request. Please note that Penta has legally terminated all customer contracts and closed the corresponding accounts. Since Penta no longer maintains any active customer relationships, your personal data - which is not subject to any legal retention obligations - has been deleted. With the exception of data that must be archived, there is no longer any active processing of personal data at Penta. Remaining data is retained unchanged in archives exclusively for storage purposes until its planned deletion. A request for deletion would not lead to any further deletion, as data that can be deleted has already been deleted and remaining data is automatically deleted after the legal deadline has expired. This also applies to your data that falls under the joint area of responsibility with our partner Solaris SE. Legal enquiries to Solaris SE Penta is terminating its partnership with Solaris SE until the end of the year. Therefore, for privacy enquiries, to report fraud, or to file a complaint with Solaris SE, please click here and use Solaris SE's contact options. 👉For more information on data protection and the Solaris SE data protection officer, please click here.",https://help.qonto.com/en/articles/8591974-i-have-a-legal-or-data-protection-query-about-my-old-penta-account-whom-can-i-contact "My old Penta account has been blocked, what can I do?","All Penta business accounts, provided by Solaris SE, have been terminated. After termination, the respective account will be blocked and a login to the Penta app will no longer be possible. Incoming transactions on your Penta account will therefore be rejected after the termination date and returned to the sender. All existing standing orders and scheduled transactions will be cancelled. How can I transfer an existing remaining balance? To withdraw any remaining balance on your former Penta account, please click here and complete the Solaris SE payment form online. Please use the email and telephone number stored in your former Penta account when doing so. I have further questions about payments or seizures If you have any further questions around payments, for example about charge backs, seizures or card payments, or if you have problems with your payment, please use the Solaris SE contact form. 👉Click here to contact the Solaris SE service.",https://help.qonto.com/en/articles/8591981-my-old-penta-account-has-been-blocked-what-can-i-do How can I order my Qonto card ?,"With your Qonto account, you can get different types of cards . Please note that only account holders, admins, and managers can perform this action. From the section ‘ Business Account ’, click on 'Cards' and ‘Create Card’ located in the top right corner : Choose the type of card that fits your needs Name the (future) cardholder Set the parameters of your card Set your payment and withdrawals limits Set days of use and spending categories (optional) Choose your delivery address (for physical cards). It will be selected by the person in charge of creating the card. Cards can be delivered to : The cardholder's personal address The company's headquarters A personalized address 🚨 Set the PIN code that will be the functional PIN for the use of your card. You can view your PIN at anytime. Confirm your order via your Qonto app or with the confirmation code sent by sms Your card has been ordered 🎉 ☝️ Good to know: For security reasons, a card order is finalized only when the PIN code has been defined by its owner. For more information on how to set your PIN code, please read the dedicated article : How do I set the PIN code of my Qonto card? No need to wait in order to use your card ! They are active right after their creation for online payments and physical ones through Apple Pay or Google Pay before receiving them physically. 👉 How to pay with my physical card before receiving it ? An employee can now submit virtual or Instant card requests from the web or mobile application to their team Manager, Admin or Owner.* 👉 How can I submit a card request? only for Business and Enterprise packages You can also read these articles to learn more : 👉 How do I activate my Qonto card? 👉 How long does it take to receive the card ? 👉 How do I manage my card's settings? 👉 How can I submit a card request?",https://help.qonto.com/en/articles/4359595-how-can-i-order-my-qonto-card What happens to payments on my old Penta account ?,"All Penta business accounts, provided by Solaris SE, have been duly terminated. Incoming transactions on your Penta account will therefore be rejected after the termination date and returned to the sender. All existing standing orders and scheduled transactions have been cancelled. Outgoing payments via the Penta app are also no longer possible. How can I transfer an existing remaining credit balance? To pay out any remaining balance from your closed Penta account, please click here and complete the Solaris SE payment form online. Please use the email and telephone number stored in your former Penta account when doing so. I have further questions about payments or seizures If you have any further questions around payments, for example about charge backs, seizures or card payments, or if you have problems with your payment, please use the Solaris SE contact form. 👉Click here to contact the Solaris SE service.",https://help.qonto.com/en/articles/8591966-what-happens-to-payments-on-my-old-penta-account How can I request documents on my old Penta account for my accounting?,"Qonto Services GmbH (formerly Penta Fintech GmbH) terminated its cooperation with Solaris SE at the end of last year. Previous statements and documents and other account requests must therefore now be requested directly from Solaris SE. 👉To request further documents, such as account statements, exports of transactions in CSV format, bank confirmations or other bank documents relating to your former Penta account, please click here.",https://help.qonto.com/en/articles/8591939-how-can-i-request-documents-on-my-old-penta-account-for-my-accounting "I have questions about my Penta invoices, whom can I contact?","All business accounts, provided by Solaris SE, have been duly terminated. The month after the closure of your Penta account, customers received the final invoice via email. If you have specified a billing account in the Penta app, any outstanding amounts will be debited directly from your new account. Outstanding invoices from Penta Please pay outstanding Penta invoices to the following bank details: Recipient: Qonto Services GmbH IBAN: DE92 1001 0123 0215 3334 56 BIC: QNTODEB2XXX Reason for payment: (Please use the invoice number(s) as payment reference). ​ Further questions about Penta invoices For further questions about Penta invoices, please use Penta's contact form and select ""Invoices"". 👉 Click here to contact Penta. Negative balance and Solaris SE charges If you receive a reminder from Solaris SE or have questions about Solaris SE charges, please contact Solaris Support here .",https://help.qonto.com/en/articles/8591987-i-have-questions-about-my-penta-invoices-whom-can-i-contact Can I still access the Penta app and services as before?,"All business accounts at Penta, provided by Solaris SE, have been ordinary terminated. Qonto Services GmbH (formerly Penta Fintech GmbH) terminated the cooperation with Solaris SE by the end of last year. Login and access to the Penta App are therefore no longer possible. If you have questions about your old Penta account, you can find more information and contact options on our help pages. 👉Get more information. ​ ​ ​",https://help.qonto.com/en/articles/8549301-can-i-still-access-the-penta-app-and-services-as-before Qonto iOS application,"The Qonto app is available on the Apple Store iOS by clicking here . Features available: View your transactions Add the VAT rate to your transactions Add your invoice/receipt to your transactions Issue SEPA and foreign currency transfers Create cards for your team members Manage card limits Block your cards Manage your team members View and download statements Widget Touch ID Face ID Who can register via the application? Account opening via the application is available for the following legal forms: France 🇫🇷 SA (Société Anonyme) SAS (Société par Actions Simplifiées) SASU (Société par Actions Simplifiées Unipersonnelle) SARL (Société à Responsabilité Limitée) SC & SCI (Société civile) EURL (Entreprise Unipersonnelle à Responsabilité Limitée) EIRL (Entreprise Individuelle à Responsabilité Limitée) Société d’Exercice Libérale SEL (SELARL, SELASU, SELAFA, SELCA) Micro-Entreprise (ex Auto-entrepreneur) Société étrangère immatriculée au RCS dont la maison mère est située en Allemagne, Espagne ou Italie Holding (société pilotant un petit groupe de sociétés) Germany 🇩🇪 e.K./e.Kfm e.Kfr. GmbH gGmbh UG AG KGaA oHG GmbH & Co. oHG AG & Co oHG AG & Co KG GmbH & Co. KG Italy 🇮🇹 Not yet available Spain 🇪🇸 Not yet available Other types of organization can register via the Web App ( app.qonto.com ).",https://help.qonto.com/en/articles/4359666-qonto-ios-application How can I get reimbursed for an expense I pay with my own funds?,"The Expense reimbursement feature is available on Business and Enterprise plans . Expense reimbursement allows team members to submit reimbursements for any company expenses paid with personal funds. Expense reimbursement requests can be approved by Owners, Admins, and Managers with the transfer permissions activated. What do I need for submitting an Expense reimbursement request? Receipt of the expense 💡 Digital receipts that are uploaded to Qonto have the same legal value as their paper counterpart ( probative value ). This means your organization no longer needs to keep the paper receipt. Expense amount 💡 The amount and VAT should get filled out automatically thanks to our OCR technology (which stands for Optical Character Recognition). You can also manually add or edit the amount. Expense description: give more context to your Admin or Manager on your expense IBAN: to get your reimbursement, you will need to fill out your IBAN of your personal bank account. You can add your IBAN directly when making a request or fill it out in your personal profile. 💡 IBAN is stored in the profile and can be added/updated directly in your profile. How can I submit an Expense reimbursement request? On desktop Select the Reimbursements section on the left Click on Requests a reimbursement Select Expense reimbursement Upload the expense receipt: drag & drop the file or click on the drag & drop zone to select it from the computer. Fill out the expense Amount , add a Description for the expense, and add your IBAN if you haven’t added it to your profile yet. On Mobile Open the Qonto App on your device Go to Menu > Requests , then select Expense reimbursement Upload the expense receipt: Take a photo , Choose from photo library or Choose from files . Fill out the expense Amount , add a Description for the expense, and add your IBAN if you haven’t added it to your profile yet. How can I see the status of my request? You can see the status of your request in the Requests section. When a reimbursement request gets approved, you will receive an instant reimbursement transfer to the selected IBAN. When a request gets declined, you will receive an email and notification with the reason provided by our Admin or our Manager by clicking on the request.",https://help.qonto.com/en/articles/6768689-how-can-i-get-reimbursed-for-an-expense-i-pay-with-my-own-funds How can I reimburse a team member for an expense paid with their own money?,"The Expense reimbursement feature is available on Business and Enterprise plans . Expense reimbursement allows all team members to submit reimbursements for any company expenses paid by personal funds. Reimbursement requests can be approved by Admins and Managers with the transfer permissions on. How do I get informed an Expense reimbursement request has been submitted? Owners, Admins, and Managers roles with the transfer permissions activated receive an email and mobile notification as soon as a request has been submitted. Learn more about how to customize Qonto’s notifications . How can I approve and decline an Expense reimbursement request? On desktop 💻 Select the Team expenses section on the left Click on Reimbursement On the To approve tab, select an expense Select an account to debit for this reimbursement and Approve the request Or Decline it and write a rejection reason On Mobile📱 Open the Qonto App on your device Go to Menu > Requests , then select the Expense report request Click on Pay by transfer to approve the request or Decline and write a rejection reason Once the Expense reimbursement request has been approved, the requestor will receive an instant reimbursement. As an Owner, Admin, and Manager with the transfer permissions activated, how do I get reimbursed for an expense I paid with my own money? To get reimbursed for a professional expense, Owners, Admins, or Managers with transfer permissions can follow the same procedure as above by approving their own submissions. They will then receive the reimbursement via an instant transfer. To get reimbursed faster, the Owner, Admin, or Manager with the transfer permissions can send an instant transfer by activating on toggle Instant bank transfer .",https://help.qonto.com/en/articles/7151496-how-can-i-reimburse-a-team-member-for-an-expense-paid-with-their-own-money What is probative value certification?,"Starting December 14, 2020, when you submit a receipt in the Business account > History section of your Qonto app, we store it and certify its probative value. You no longer need to gather up and meticulously keep all your receipts in your drawer! Note that this new feature is available for our Smart and Premium plans, as well as for our Essential, Business and Enterprise plans. ☝️ Good to know: Qonto does not have access to your original receipts. You thus undertake to send unmodified documents only (receipts, expense reports and other supporting documents) and to follow our guidelines to avoid any repudiation of their validity by the tax administration. In the event of an audit, Qonto cannot be held liable if the digital version of your receipts does not match the original version. What does it mean exactly? More precisely, it means that your paper and digital receipts have exactly the same legal value. You are thus free to discard your paper receipts while remaining in good standing in the eyes of the law and the relevant authorities. What are the guidelines to follow? To have a receipt certified, you must provide us with a digital true copy of the original. To facilitate this process, ensure the following: The document must be legible, uncompressed and unmodified The colors must be the same as the original The document must not be cut or cropped Make sure also that the following information appears: A description of the item (or service) and its price The VAT rate and amount Information about the vendor: company name, address and VAT number The date and time of the transaction The date and receipt number ✌️ Good to know: If your file is in PNG or JPG format, Qonto will convert it to PDF automatically. You don’t need to do a thing! Please note that this feature does not support screenshots taken with the latest macOS Big Sur 11.4 version. Is it secure enough? Yes, of course! First, Qonto issues the probative value certification of your receipts. How? By creating an electronic signature and digital stamp automatically via a service provider. You will also be provided with the date and time of the certification. Then, Qonto stores your files in accordance with the European eIDAS regulation indefinitely and in a secure way. In the event of an audit, simply export your digital receipts. 💡Please keep in mind that probative value is not retroactive and that i n case of downgrade, certified receipts are still certified.",https://help.qonto.com/en/articles/4704448-what-is-probative-value-certification How to manage my team members’ Expense reimbursements on Qonto?,"The Expense reimbursements feature is available on Business and Enterprise plans . Expense reimbursements allow all team members to submit reimbursements for any company expenses paid by personal funds. Who can submit an expense reimbursements request? Owners, Admins, Managers, and Employees can submit an Expense reimbursements request on Qonto. To submit an Expense reimbursement , go to the Reimbursements section , click on Request a reimbursement, then submit your request. The requestor will need the receipt of the expense. He will also need to fill out the expense amount, a description and enter his personal IBAN. Learn more about all the steps to submit a reimbursement request. Who can approve and decline an expense reimbursement request? Owners, Admins, and Managers with the transfer permission activated can approve and decline an Expense reimbursement request on Qonto. To approve or decline an Expense reimbursement request, go to the section Team expenses , click on Reimbursements, then approve or decline each request submitted. Learn more about all the steps to approve and decline an Expense reimbursement request. 💡To get reimbursed for a business mileage expense, Owners, Admins, or Managers with transfer permissions can follow the same procedure as above by approving their own submissions. ❌ Accountant role can’t submit, approve or decline an Expense reimbursement request. How am I informed when an Expense reimbursement request is submitted? Owners, Admins, and Managers with the transfer permission activated receive an email and a mobile notification as soon as a request is submitted. Learn more about how to customize Qonto’s notifications . For now, with the Expense reimbursement request, it is not possible to: ❌ Create a approval workflow ❌ Submit reimbursement requests in bulk ❌ Calculate mileage in Italy, Germany or Spain 💡Need support to activate your employees? Copy/paste this paragraph and share it with your team member. Accelerate your expense reimbursements. If you can’t use your Qonto card, so you use your own money to make a professional expense. To get reimbursed, submit a reimbursement request and track its status in real-time from anywhere using the Qonto app. How to use it? 👇 read this FAQ article to learn how to submit an Expense reimbursement read this FAQ article to learn how to submit a Mileage reimbursement in France",https://help.qonto.com/en/articles/7151330-how-to-manage-my-team-members-expense-reimbursements-on-qonto How to track e-invoices?,"🇮🇹 This article is for Italian Qonto account holders. ​ From your Qonto web app, you can easily keep track of the status of e-invoices that you’ve issued. There are two types of status that you can monitor: approval status of your e-invoice on the Sistema di Interscambio (SdI) and payment status. 👆 Good to know: some users can also view e-invoices and their status from the App. 📱 Tracking approval status From the Invoicing section, click on any e-invoice. On the side panel, you’ll be able to see what is its status with regard to the SdI: ​ Processing: Qonto is processing your e-invoice and will transmit it to the SdI shortly (you can check on its status later from the E-invoicing section later. Submitted: Your e-invoice was correctly transmitted to the SdI and is awaiting approval. Not submitted: Your e-invoice failed to be submitted to the SdI. If this happens, it’ll automatically appear as Cancelled and you will be able to issue it again. Approved: Your e-invoice was approved by the SdI and the SdI has delivered it to your client. Not delivered: Your e-invoice was approved by the SdI*,* but delivery to your end client failed; this can happen if, for example, you entered your client’s Codice Destinatario erroneously. In this case, you can resend a copy to your client by email or link. Just click on Send invoice at the bottom of the screen (click here for more information on how to send invoices) - your client can also retrieve it directly from the Agenzia delle Entrate . Declined: This means that your e-invoice was rejected by the SdI. If this happens, it’ll automatically be marked as Cancelled and you’ll be able to issue it again. While this could be due to a variety of reasons, we recommend that you verify that all fields, including your client’s fiscal code and VAT number, are correct. ​ 💡If your e-invoice is Not submitted , Not delivered , or Declined , we’ll notify you by in-app message and/or email. ​ Tracking payment status You can track the status of your invoices manually or automatically: ​ Manual tracking: You can manually mark e-invoices as Paid by clicking on it and then, on the button Mark as paid at the bottom of the side panel. Automatic tracking: Qonto can detect when an e-invoice has been paid when your client’s incoming bank transfer is identified with the e-invoice’s reference number. The reference number can easily be found on the invoice itself - just share it with your client by email or link (click here to learn how) once it’s been approved by the SdI.",https://help.qonto.com/en/articles/6340753-how-to-track-e-invoices How to retrieve supplier invoices from the Sistema di Interscambio “SDI” on Qonto?,"☝️Please note that this feature is only for our Italian customers. To centralize and pay your supplier invoices directly in Qonto, you can automatically import the invoices issued by your suppliers from the Sistema di Interscambio (SDI). Full access of this feature is available for: Smart, Premium, Essential, Business, and Enterprise plans (to find out how to change your current plan, click here ) Users with Owner or Admin roles How to connect Qonto with the SDI? To issue or receive e-invoices on Qonto, e-invoicing must have been activated on your account (if you haven’t activated it yet, click here to learn how). The setup process can be completed in less than one minute, only needs to be done once per organization, and will allow you to manage all your e-invoicing directly on Qonto. You can then login with your credentials on the Agenzia delle Entrate website and enter Qonto’s Codice Destinatario (9SUB64Q) on the section labeled Fatture e Corrispettivi . You can also share Qonto’s Codice Destinatario directly with your suppliers. Where can I manage the supplier invoices imported from the SDI? Log into your Qonto account from a desktop device and click on Purchases in the navigation menu; then, click on Supplier invoices from the dropdown menu. You can then access, pay and manage all your invoices - directly from this section. ( Learn more )",https://help.qonto.com/en/articles/6340779-how-to-retrieve-supplier-invoices-from-the-sistema-di-interscambio-sdi-on-qonto How to create and share draft invoice?,"👉 Good to know: This article only concerns companies registered in Italy . 🇮🇹 When creating an invoice on Qonto, you can easily save it as a draft for later. Drafts can also be shared with clients as a proforma invoice so that they have all the details on hand before the final version is issued (only on computer). Remember, full access to invoicing is available for: Smart, Premium, Essential, Business, and Enterprise plans (learn how to easily upgrade your plan here ) * Owner and Admin roles To get started: 💻 If you have a computer, log into your Qonto account from a desktop device and click on Invoicing on the navigation menu. 📱 If you are on your Qonto app on mobile, log into your Qonto account and click on the Menu section, and click on Client invoices on the navigation menu. Saving a draft From the Invoicing section, click on Create an invoice at the top of your screen. From there, start filling out the fields as indicated on the screen. To save a draft, you must at least: Select an existing client or add a new one Enter an invoice number Enter an issue and due date Add information about the products or services that you’re billing for (item name, quantity, unit price, and VAT rate) Select which account you’d like to get paid in (if you have multiple accounts on Qonto) When you’re ready, click on Save as draft at the bottom of the screen. Easily find all your saved drafts on the Drafts tab in the Invoicing section. To continue working on a draft, click on it and then, on Edit draft . To delete it permanently, click on Delete draft . When you’re ready, you can easily convert your draft into an invoice. Make sure that all required fields are correctly filled in, click on Create invoice at the bottom of the screen, and confirm that your invoice is ready to be issued. You’ll then be able to send it to your client by email or link. Sharing a draft You can also send an invoice draft to your client. This provisional version, also known as a proforma invoice , can be useful if you want to share a proposal or confirm any details before issuing the final invoice. Sending a draft before issuing an invoice isn’t mandatory, doesn’t require any action from your client, and has no accounting effect. To share a draft, click on Share draft at the bottom of the screen. From there, enter your client’s email address, customize your message, and click on Send email . If you prefer to share it via another channel, click on the button Copy document link and copy the link to your clipboard. 💡 Remember, a draft does not substitute a final invoice. When you’re ready to issue the final version, you can directly convert it into an invoice by clicking on Create invoice at the bottom of the screen. 💡 Basic plan subscribers can create up to two invoices for free before upgrading for full access to the invoicing tool.",https://help.qonto.com/en/articles/6533909-how-to-create-and-share-draft-invoice How to activate e-invoicing on Qonto?,"🇮🇹 This article only concerns companies registered in Italy. Before starting to use e-invoicing on Qonto, you’ll need to do a quick one-time setup that will connect your Qonto account to the Sistema di Interscambio , as required by Italian regulation. This setup process can be completed in less than one minute, only needs be done once per organization, and will allow you to manage all your e-invoicing directly on Qonto. From the navigation menu, click on Invoicing. Because you haven’t created any e-invoices yet, this section will appear empty. Click on the black Get started button on the center of the screen, which will take you to the activation screen. On the activation screen, please fill in the following details: VAT number Codice fiscale (if you provided it to us when you first opened your Qonto account, we’ll pre-fill it for you) Tax regime Province Finally, please tick the checkbox at the bottom to confirm that you agree with e-invoicing terms and conditions and click on Continue . ➡️ You can also receive supplier invoices on Qonto! To do so, add Qonto’s Codice Destinatario (9SUB64Q) to your account on the Agenzia delle Entrate’s website, or share it with your supplier. Supplier invoices that you receive will then appear on the section Bookkeeping > Supplier invoices from the navigation menu (for more information, read our dedicated article ). That’s it – you’re all set! 🎉 You’ll be automatically redirected to the e-invoice creation screen, where you’ll be able to issue your first e-invoice in just a few clicks.",https://help.qonto.com/en/articles/6340699-how-to-activate-e-invoicing-on-qonto How to create an e-invoice if your company is registered in Italy?,"👉 Important: This article only concerns only companies registered in Italy. 🇮🇹 With Qonto, you can create and send your electronic invoices in a few clicks from your computer. Access to this functionality is available for: Customers with Smart , Premium , Essential , Business and Enterprise plans (if you wish to change your plan, click here ). Users with Owner and Admin roles. To generate an invoice with Qonto, connect to your interface from your computer and click on Invoicing from the side menu section. 1. Set up automatic invoice numbering With Qonto you can easily set the number of your next invoice: check the suggested number, and if necessary, enter a new one. Once confirmed, we will automatically generate all next invoice numbers, which will be unique and sequential . 👉If you wish to activate the manual numbering of the invoices, click here and scroll down to "" Manual invoice numbering"". 2. Enter customer information Entering your customer information is very simple: just create a new customer or add an existing one. a. Add a new customer If you are creating an invoice for the first time, click on the ' + ' button to add the details of a new customer. Next, indicate whether your customer is a company, a professional or an individual and fill in the information required by the form. 💡 After selecting the correct country, make sure that the VAT number of your foreign customer has a country code other than IT, before the VAT digits (e.g. GB0000000 for the UK, DE0000000 for Germany and FR0000000 for France). In case your customer does not speak the language of the country where your company is registered, you have the possibility to set the language in which the invoice will be issued. You can choose between English, French, Spanish, Italian and German. You can select a different currency to issue the customer’s quote and invoices, if not in Euro Check that the information is correct and click on Confirm . Your customer information will be saved and you will not have to enter it again for future invoices! b. Select an existing customer Open the drop-down menu and select the customer to whom you wish to send your invoice. 3. Create an invoice It is now time to create your invoice. Fill in the required information as indicated on the screen: Issue date and due date ; Order number (optional); Objects : You can add one or more objects to your invoice based on the services or products you are charging the customer for. Each object must contain a title, description (optional), quantity, unit price and VAT rate; 💡If the item in question is exempt from VAT, you can set a rate of 0% and select the reason for the exemption from the drop-down menu at the bottom. Tax details (INPS pension/contributions, withholding tax and revenue stamp are optional - to be added according to your specific situation). ☝️Good to know: The cost of a stamp on an invoice is not counted in the final settlement, which only includes Total (excluding VAT) and Total VAT amount. To pay the stamp duty on your invoices, log in to your tax drawer. If you need more precise information on how to pay stamp duty, you can consult the official website of the Internal Revenue Service (Agenzia delle Entrate). Choose Payment Method , Payment Conditions and Account to credit . Finally, add further information under Terms, conditions and legal notes : Your VAT number, tax identification number or tax identification certificate are mandatory pieces of information to be added manually in this section. If you wish, you can also add optional ones. ☝️ Important! In case of multiple accounts : For the payment to be associated with the corresponding invoice, your customer must make the transfer directly to the IBAN indicated on the invoice. 4. Checking Additional Information In general, the mandatory additional information is: Your VAT number; Your tax identification number or tax identification certificate. 🚦In order for your VAT number to appear on the invoice, you will have to add it manually under Terms, conditions and legal notes . This information will appear with the rest of the footnotes on the invoice. ⚙️ We are working to automate the inclusion of the VAT number on Qonto invoices, and to improve its visibility. 5. Personalise your invoice (optional) 💡 If you wish to personalise your PDF invoice with your company logo (if you have one), and the email address of the issuer by clicking on Settings at the top of the screen. From here you can add your logo in JPEG or PNG format (file size must not exceed 5 MB) and the e-mail address you wish to display on the invoice. Please note that these changes will only be entered for future invoices, and can be changed again at any time. A member of your team can also customise logo and/or email, and even then the changes will be applied to all future invoices only. Instead, previously issued invoices will not be updated with the new logo and email address. It's almost done! Take a final look at the information you have entered and click Create Invoice when you are ready, or Save Draft if you prefer to finalise it later. You can share the draft with your client by clicking on "" Share with your client "" or, if you are not sure about the accuracy of the information and need help filling in the tax data, you can share it with your accountant by clicking on "" To your accountan t"" section. For more information, please consult this dedicated article: How to create and share draft electronic invoices? Once the invoice is confirmed, it will be automatically transferred to the Interchange System (Sistema di Interscambio) for approval. You can stay updated on the status of your invoice from the Invoicing section ( click here for more information on how to monitor the status of your invoices). 6. Share your invoice As soon as your invoice is approved by the Interchange System (Sistema di Interscambio), you can choose to share your invoice with your customer in two ways: a. By email From the Invoicing section, click on the invoice in question and then on Send Invoice at the bottom right of the screen. Enter the recipient's email (you can also enter more than one, separating the addresses with a comma) and customise the subject and message of your email. To facilitate the tracking of the email, you can tick the box Insert me in cc at the bottom of the page. When you have finished, click on Send . b. Via link If you prefer to send the invoice from your personal email address or via another channel (e.g. WhatsApp), go to Invoicing, click on the Share via link section and copy the URL link to share with your customers. 7. Download your invoice You can select and download individual invoices, or a set of multiple invoices, in one compressed (zip) file, which will be automatically sent to your email address. This file contains all the selected invoices in PDF format, and can be forwarded to your accountant or any other person of your choice. For more information on how to download your invoices in PDF format, you can refer to this article: Where can I find my Qonto invoices? ☝️ Please note that it is not yet possible to generate self-invoices on Qonto. Instead, with Qonto you have a package of 400 accounting elements (including active invoices, passive invoices and credit notes). For example, you can create 200 active invoices with 50 credit notes, and receive 150 passive invoices from your suppliers. It does not matter how many items you create (or receive), as long as you stay within the 400 accounting items limit. After 365 days from the time you create your first accounting item, the count returns to 400 again. Have you reached the limit? Contact our team! 8. Cancelling your invoice You made a mistake and want to cancel your invoice? You can refer to this article .",https://help.qonto.com/en/articles/6340727-how-to-create-an-e-invoice-if-your-company-is-registered-in-italy How to create a self-billed invoice?,"🇮🇹 This article is for Italian Qonto account holders. ​ What is a self-billed invoice? A self-billed invoice verifies the sale of a product or a service and is issued by the customer on behalf of the supplier. The customer assumes both roles of issuer and recipient of invoice, and tehir details correspond to the invoice details of a customer who made the purchase. Self-billed invoices are an exception to standard invoicing rules, which typically require the party receiving payment to issue the document and apply VAT to it. The purchase of goods within or outside of the European Union (EU) needs to be reported to the Italian Revenue Agency (ADE) using electronic invoicing rules. In cases where passive invoices in analog format (such as paper or PDF invoices) are received from foreign suppliers, the resident entity (customer/buyer) is responsible for generating an electronic document (XML self-billed invoice) to be transmitted to the Sistema di Interscambio (SDI) for VAT integration. ​ How do I create a self-billed invoice? In order to issue a self-billed invoice, you should always make sure that you uploaded/received a foreign supplier invoice to your inbox first. Read more about how can you get your foreign supplier invoices to Qonto inbox in: How to automate the processing of my receipts with Qonto? Access your Qonto account from your computer and click on “ Purchases” → Supplier invoices in the left-hand navigation menu. Select the supplier invoice that has not arrived from SDI and belongs to a foreign supplier (invoices that arrive from SDI have an “ E-invoice” label displayed next to the invoice number). Open the invoice and click on the + button near the Self-billed invoices section on the right side of the screen. You will see the self-billed invoice creation page with the preview of the supplier invoice on the right side. From there, you can copy and paste all the necessary data and pre-fill it on the left side. To visualize the self-billed invoice that you are creating, click on the toggle above the supplier invoice preview. Insert the following data: The details of the foreign supplier. Note: The tax regime of the foreign supplier is automatically set as “ RF18 - Altro” since foreign suppliers do not belong to the Italian Fiscal Regime system. Self-billed invoice details. Self-billed invoice numbering: It is automatically preset with the ad-hoc prefix ""AF,"" which is unique for self-billed invoices. Document type: The specific type of document to be issued to the Sistema di Interscambio will depend on the situation: TD17 - Integration/self-billing for the purchase of goods from abroad TD18 - Integration/self-billing for the purchase of services from abroad TD19 - Integration/self-billing for the purchase of goods from Italy, according to Article 17, paragraph 2, of the Decree of the President of the Republic (DPR) 633/72 Issue date: It should correspond to the date of receipt (or alternatively, a date within the month of receipt) of the invoice issued by the foreign supplier. Original supplier invoice data: The details of the foreign supplier invoice. Products and services: for VAT integration purposes, the self-billed invoice should include in its line items the VAT amount due for each transaction of the foreign supplier invoice, applying the current applicable tax rate in Italy for that specific type of good or service (4%, 10%, 22%, or even VAT exemption). Check that all the data is correct and then click on Create self-billed invoice . Once you have created your self-billed invoice, Qonto will automatically transfer it to the SDI for approval. 🕐 The approval of your self-billed invoice may take from a few minutes to a few days, depending on the processing time of the SDI. You can check the status of the self-billed invoice by clicking on the created ""Self-billed invoice"" in the Related documents section inside the foreign supplier invoice, and checking the SDI Status section. If the self-billed invoice is declined or not submitted to the SDI , Qonto will also send you an automatic email notification explaining what to do in each of these cases. Where can I find the issued self-billed invoices? Once self-billed invoice is created, you can see an attachment icon near the foreign supplier invoice on the supplier invoices list page. That means that this foreign supplier invoice has an attached self-billed invoice inside. Open the foreign supplier invoice and then click on "" Self-billed invoice"" in the Related documents section. 💡Please note that self-billed invoices are only available from a computer. How to cancel a self-billed invoice? 🚨 Once created, you can only cancel your self-billed invoice with the help of our Customer Support (CS) team. Learn how to reach out to them via this article: If i need help can i talk to someone . Good to know: 💡 Self-billed invoices have to be issued within the 15th day of the following month after the receipt of the foreign supplier invoice. 💡 Available for customers with Smart , Premium , Essential , Business , and Enterprise plans (if you wish to change your plan, click here ). For users with Owner , Admin , and Accountant roles.",https://help.qonto.com/en/articles/8218030-how-to-create-a-self-billed-invoice How to use Qonto’s Pay later feature?,"This feature is only available for activities registered in France, Spain and Italy. Qonto’s Pay later feature, or purchase financing, is built into your app. It offers credit for short-term supplier invoices, repayable in three installments. If you’re eligible, you can access your available credit in the app to finance purchases: upload invoices, and we'll credit your account for immediate supplier payments. How can I activate the Pay later feature? To activate it, you need to match our eligibility criteria and sign a contract. Checking your eligibility is just one click. ☝️ Good to know: activating Pay later is free. How can I check my eligibility? Only Qonto account Admins and Owners who are Corporate Officer can use the Pay later feature, subject to eligibility. Log in to your Qonto account from a computer or mobile phone. Click on Financing → Pay later , and then Discover available credit . If you are eligible, you’ll see how much you can use to finance your purchases within seconds. Click Continue and activate to learn more about the feature. Click Open and sign contract , then Sign at the bottom of the page to activate the option to pay later on your account. You will receive an email confirmation with the contract PDF. ☝️ Good to know: Qonto’s Pay later contract is non-binding , meaning that you will not be charged if you decide not to use it after activation. If you're not eligible, you can check other financing options under the Financing > All partners section in your account. And keep in mind, as your business progresses, you may become eligible for Qonto's Pay later feature in the future. What is my available credit, and how is it calculated? Your credit is the total amount you’re eligible to use. Your available credit is the actual amount you can use at any time to finance your purchases. Each time you use purchase financing, your available credit decreases. 👉 For example: If your credit is €10,000, and you used €2,000 for a purchase with the Pay later feature, your available credit will be €8,000 until you start to make repayments. Your available credit is replenished as you make your repayments, giving you greater financial flexibility. Your credit is calculated according to a set of criteria, including your company's history and activity with Qonto. Several factors are taken into account to ensure that this amount aligns with your needs. While the maximum limit is €10,000, the amount you qualify for may vary depending on our assessment. This personalized approach ensures you access to funds adapted to your situation. ☝️ Good to know: This amount is adjusted monthly, according to your company's activity. It can be increased or decreased. So you’ll always benefit from a credit limit adapted to your situation, for greater flexibility and control. How do I finance a purchase with the Pay later feature? How does it work? Once you have checked your eligibility and signed your contract, you’ll be able to access the option to pay later by initiating a transfer (either a standard or instant transfer) via these steps: Log in to your Qonto account from a computer or mobile phone. Click on Financing > Pay later (from the mobile app: select Plus > Pay later ), and then Finance a purchase. Alternatively, click on Transfers and then Make a transfer (by invoice upload). Upload an invoice. Please note that the option to pay later will only be available if you link an invoice to your transfer. Check that the transfer details are correct, then click Continue . Enable Pay later . When you’ve ensured you’re happy with the payment schedule and total to be repaid, click Confirm . And you’re done! By following these steps, you’ve successfully financed a purchase using Qonto’s option to pay later. ✅ ☝️ Good to know: You can find all of your supplier purchases financed with the Pay later feature in the Transactions section of your account, simply by applying the Credit transfer filter on the Method dropdown menu. To monitor your available credit and repayment progress, go to Financing > Pay later from your web app, or Plus > Pay later from your mobile app. Is there a minimum or maximum invoice amount for the Pay later feature? Yes, your invoice must be at least €150 . As for the maximum amount, it depends on your available and tailored credit limit, to a maximum of €10,000 . What information must appear on my invoice? To benefit from the Pay later feature, you must provide a valid invoice. It must contain the following information: Mandatory information Optional information Invoice issue date Supplier IBAN Supplier's name and address VAT number Supplier’s registration number Description of product or service Goods or services to be paid for Payment method (card, bank transfer, etc.) Total amount payable Payment due date (30, 60 days, etc.) ⚠️ Important : please ensure that this information is clearly visible on your invoice, otherwise it may not be possible to use the Pay later feature. What kind of invoices can be financed? You can finance supplier invoices for goods and services within the scope of your core business requirements. ⚠️ You can’t use the Pay later feature in these situations: for transfers to your personal account , for transfers to another company belonging to you , for transfers to another company belonging to the same owner as your company, for transfers to close relative and member to your family , for the payment of salaries to your employees, or any other form of internal compensation ; for your tax payments (DGFIP, URSSAF, etc.) or fines of any kind (lump-sum, criminal, court decisions, etc.), to finance goods or services that do not correspond directly to your business or are not related to the needs of your company , for repayment of other financing services (loans, credits, monthly repayments, etc.), for sending a transfer based on an obsolete invoice , old invoice , or already paid invoice. How to monitor my Pay later financing and repayments? You can find information about your available credit directly from your Qonto app at any time. 🖥️ From your web app: go to Financing > Pay later . 📲 From your mobile app: go to Plus > Pay later . In this section, you will access a dedicated cockpit where you can monitor your remaining available credit and view your installments (” To pay within 30 days ” and “ Total left to pay ”). You will be able to easily track how much credit you've used and how much remains (” Available credit ”). ⚠️ Important: If an installment can’t be debited from your account on the due date, you won’t be able to make any transfer from your Qonto account. If you find yourself in this situation, please ensure to top up your main account with the necessary funds and contact our client support. You will find more details in this article .",https://help.qonto.com/en/articles/8981507-how-to-use-qonto-s-pay-later-feature How do repayments work with Qonto’s Pay later feature?,"This feature is available only for companies registered in France, Spain and Italy. When you finance an invoice with Qonto’s Pay later feature , your repayments are automatically scheduled in three installments: +30 days, +60 days and +90 days. A fixed monthly interest rate of 1.17% applies to each of your three installments . Due to rounding, the amount of your last installment may be slightly higher. How and when will installments be debited from my account? At each due date, your repayment amount will be directly debited from your main Qonto account . You must therefore ensure that you always have the necessary funds to meet your repayments. What are the repayment conditions with the Pay later feature? When financing purchases with Pay later, a few conditions apply: Once your transfer has been settled, it cannot be modified or cancelled . This is why we ask you to always check the details of your transfer before confirming. It’s not possible to make early repayments . Repayments are always scheduled in three installments. You must adhere to these planned installments , making sure there are enough funds in your account to honor your repayments, scheduled at +30 days, +60 days and +90 days. What do the statuses displayed on your Pay later cockpit mean? Different statuses can be displayed on your Pay later cockpit ( Financing > Pay later ). These statuses concern the state of your credit (it can be active, blocked, on hold) and the state of your repayment (it can be At risk or Overdue). Installment status: At risk: Your next installment is planned in three days and you don’t have the necessary funds on your main account balance. If you find yourself in this situation, please ensure to top up your main account with the necessary funds. Overdue: The required installment amount was not available in your main account balance and could not be debited. Please ensure to top up your main account with required installment amount as soon as possible to regularize the situation. ⚠️ Important: If you have one or more late installments, your credit status will automatically move to Blocked . Available credit: Blocked: Due to the late repayment of your installment, your access to the feature has been disabled, and your credit limit closed. Consequently, you are no longer eligible for Pay later. ⚠️ Important: If your credit status is Blocked , the usage of your Qonto account will also be restricted: credit card payments, direct debits, and transfers will be declined until the required amount is repaid. 👉 Please ensure to top up your main account with the necessary installment amount to resolve this issue and restore normal account usage. What happens in case of late repayment? ⚠️ If your account can't be debited, you'll no longer be able to make any payments or use your credit to finance invoices. You'll also be charged penalty fees, and eventually you'll be subject to legal proceedings until the installment is fully repaid. It is important that you keep enough funds in your account to pay monthly installments on time. Three days before each installment, we will email you the details about the next installment along with the repayment schedule. In case an installment is late, your account will be immediately affected: You will lose your eligibility to Pay later feature , and therefore your credit limit will be back to €0 You will no longer be able to make any debit with your account** (including card payments, transfers and direct debits) from the day after the missed installment, until Qonto recovers the installment amount plus late repayment daily fees For each day late, Qonto will apply a late repayment daily fee of 0.04% calculated on the installment capital. Every day, Qonto will try to debit your account to recover the total amount of installments plus daily fees. It is not possible to partially repay those amounts . Qonto will only debit your account once there are enough funds to pay both amounts. If you find yourself in this situation, please ensure to top up your main account with the necessary funds. To find out the amount to pay, go to Financing > Pay later and check the section “ To pay within 30 days ” in your cockpit. Note that being late for an installment will prevent you from using the Pay later feature to finance other purchases. Even if an installment is paid later on, eligibility won’t be recovered. 👉 Make sure to always credit your main account with sufficient funds. If the payment is not regularized within the next 8 days, you will be required to pay all outstanding or upcoming installments within 15 days.",https://help.qonto.com/en/articles/8484807-how-do-repayments-work-with-qonto-s-pay-later-feature What is the Financing section on Qonto and how does it work?,"The Financing section is accessible only via the web app to Qonto account Admins and Owners who are Corporate Officer or Ultimate Beneficial Owner (UBO) . With Qonto’s financing partners, explore and access financing offers to empower your business. Financing is a section available on your Qonto web app . It is a marketplace where Qonto has hand-picked partners to best suit your financing needs. Learn more about the various types of financing here . What is the purpose of the Financing section? The Financing section allows you to connect with partners selected by Qonto who meet the financing needs of small and medium-sized enterprises (SMEs). As you explore the section, you will find various offers provided by each of our partners. If you have questions about eligibility, your application status, etc, we recommend you directly contact partners . You can find customer support links and resources in partner pages on your Qonto account within the Financing section, as shown below. ⚠️ Important: Qonto does not endorse any particular offer and does not guarantee loan approval. You should select a partner based on your borrowing needs and their eligibility criteria. Qonto is not responsible for any losses you may incur after obtaining a loan, and plays no role in the subscription or credit evaluation process of financial partners. Is my organization eligible? Eligibility varies from one partner to another: Criteria can include length of time with Qonto, location, revenue, commercial history, and more. To check your eligibility for a specific offer, go to the Financing section and review the partner pages, as shown below: How do I apply for a financing offering? Qonto is not part of the application decision-making process. However, the application steps overall include: 💡 Good to know: Qonto only intervenes in the secure sharing of your Qonto data (company profile and financial data) . This sharing is only possible if you consent to it. It is 100% secure and allows for partial pre-filling of the required forms on the partner's side, which speeds up the analysis of your application. Why should I apply through Qonto - and not directly on the partner website? Apply to financing partners through Qonto in order to: 🤖 Have a seamless application experience . Less manual typing! Applying through Qonto reduces tedious work. Our integration automatically pre-fills some of the information into your application. 🦘 Skip application steps . Thanks to our integration, partners have agreed to remove duplicate data entry as part of their application process. Finish your financing application quickly, so you can get back to your business. ⛓️ Receive financing funds directly on Qonto . When you go through the Financing section, we automatically import your IBAN to your partner application. You can select which account you want to send your new cash to, but sending it to Qonto is a breeze! 💡 Good to know: Can’t find a partner for your financing needs? Take 2 minutes to tell us more about your needs with this form . We welcome suggestions! What information is shared with partners? Our partners require access to your Qonto data, which means you authorize them to review: Your contact details Your business details linked to your Qonto account. For more information, click here . Your bank account and company details The list and details of bank accounts on Qonto and company information. For more information, click here . Your transaction data All incoming and outgoing transactions of a bank account linked to Qonto. For more information, click here .",https://help.qonto.com/en/articles/6784892-what-is-the-financing-section-on-qonto-and-how-does-it-work How to open a securities account with Yomoni?,"Do you have excess cash that you want to invest? Thanks to our partnership with Yomoni, make your idle money work for you by opening a securities account. Yomoni is an online portfolio management company, approved by the AMF, offering individuals and professionals an optimized, personalized, controlled, and committed managed investment service. Yomoni currently manages over 450 million euros in assets, and the funds are deposited with its custodian banks, Crédit Agricole Titres, a subsidiary of Crédit Agricole, respectively rated A and A+ by Fitch. What is a securities account? 💡 Good to know: As a legal entity, your business can invest in financial markets by opening an ordinary securities account. The PEA (Plan d'Epargne en Actions) and life insurance are reserved for individuals. A securities account is an account that allows you to hold securities. It is a place where the securities you purchase, i.e., the assets in which you invest, are registered. These assets can be stocks, bonds, funds, or ETFs (Exchange-Traded Funds). Want to learn more about securities accounts? Check out Yomoni's complete article on the subject. ⚠️ Investments in securities accounts generally involve a risk of capital loss. Your capital is not guaranteed . Past performance is not indicative of future results. What are the features of a Yomoni securities account? How it works : Yomoni's securities accounts operate under management mandates. This means that you determine your risk level, and Yomoni handles the daily management. Yomoni invests through ETFs, which are baskets of financial securities with automated management. Amount : Yomoni's securities accounts have no deposit ceiling, but you will need to deposit a minimum of €50,000 to open your account. Availability : The funds deposited in your securities account are available at any time. From your connected space, you can request a total or partial redemption of your portfolio. Risk : The funds invested in your securities account are invested in financial markets, which means there is a risk of losing all or part of the invested capital and the income it would have generated. You can customize your investment according to your goal or risk appetite. It is therefore possible to have a securities account with a very secure, very aggressive content, or any other intermediate nuance. Tax regime : Securities accounts do not benefit from special tax advantages. Gains and losses on your securities account are generally considered financial income or charges. Feel free to consult your accountant or tax advisor to learn more about the tax impact of your securities account. How to subscribe to an offer with Yomoni? Start by visiting the dedicated partnership page and click on the "" Simulate my project "" button to start your account opening. The first step is to determine the desired profile for your investment. Answer the questions based on your preferences, the amount you want to invest, the envisaged duration, and your risk appetite. The questionnaire will only take a few minutes to complete. Once the questionnaire is completed, Yomoni instantly provides you with a personalized investment simulation, which you can modify if needed. Next, you just need to provide some information about yourself and your company and submit the required documents to Yomoni. You can also contact a dedicated advisor to guide you through the account opening process. Once your contract is opened, you will receive dedicated support via email from Yomoni at [email protected] . You can also track the performance of your account directly from the Yomoni platform by logging in with your credentials.",https://help.qonto.com/en/articles/5403318-how-to-open-a-securities-account-with-yomoni How to open an account with Coinhouse?,"Widen your investment possibilities to make your cash surplus grow with crypto-assets. With the partnership Qonto x Coinhouse, access new opportunities to make your cash work. Diversify your investment portfolio to crypto-assets, alongside Coinhouse’s expertise. Explore new investment possibilities safely: your funds remain secured at any time. Coinhouse provides cryptocurrency management and transaction services from a computer, a tablet, or from its mobile app. 👆For more information: Discover the Qonto x Coinhouse offer here . You’re not very familiar with crypto-currencies? Check out our article on this topic. Your main business is related to crypto-currencies or NFTs? Learn more about our conditions to open an account with Qonto in this article . Which products Coinhouse offers? Crypto-wallet: the crypto-wallet allows you to send and receive crypto-currencies selected by Coinhouse such as Bitcoin and Ethereum. Crypto savings account: the crypto-savings account allows you to invest in stablecoins with a guaranteed interest rate for 3 months. Stablecoins are a crypto-currency pegged to the euro or US Dollar. Asset management: the asset management offer allows you to delegate the management of your crypto-wallet to an expert. What are the perks Qonto customers have access to? Invest with preferential rates : Fees for buying or selling crypto-assets through bank transfers at preferential rates (2.49% vs 2.99%). Guidance: Dedicated training to build your own expertise on crypto (webinars). Access to educational content: weekly newsletter on market trends. Monthly investor playbook to guide you in your investment strategy. 👆 Keep in mind: The Qonto x Coinhouse offer will be valid one year after it has been activated. To keep enjoying the advantages of this offer, and even more, you will have to switch to a Business account . Qonto x Coinhouse is a commercial partnership, not an integration: there is no data exchange between Qonto and Coinhouse. Who can open a Coinhouse account? Only corporate officers and corporate officer representatives may open a Coinhouse account. The Qonto x Coinhouse offer is only available for Qonto clients having their headquarters in France, but it might change in the future. What are the information and documents Coinhouse needs? To open an account with Coinhouse, fill in your KBIS, company statutes, and the register of beneficial owners (UBO) of your company directly on our partner’s website. For investments of more than 10 000€, it will also be necessary to provide the Tax liability statement (last balance sheet in date). Finally, you’ll have to communicate to Coinhouse your information and identity documents (CNI or passport, proof of address) and verify your identity by taking a selfie. 👆 Keep in mind: I t will also be necessary to provide the identity document, a selfie and the proof of address of any shareholder with more than 25% of the capital of the company. If you’re declined to open an account, please contact Coinhouse’s support to understand why is that. How to open a Coinhouse account? Follow those three simple steps to open your Coinhouse account: Click here to activate the offer : this dedicated link will allow you to activate the Qonto x Coinhouse offer Create your Coinhouse account: full in the information and documents needed on our partner’s website Select the most adapted offer: a Coinhouse advisor will guide you to choose the investment strategy that suits the most your company What are the fiscal consequences of investing in crypto-currencies as a company? Since January 2019, in France, crypto-currencies are integrated into the income tax return in the category: “digital assets”. In case you have a doubt on how to integration your crypto-investments into your accounting, please contact your accountant or financial advisor for more information on tax treatment applicable to your case. 👆 Keep in mind: Our partner Coinhouse can also guide you by giving you access to webinars on the topic, so as by connecting you with a law practice for a free preliminary 30 minutes consultation with a tax lawyer. How to contact Coinhouse’s support? Coinhouse’s support is available to respond to every question you have regarding the usage of your Coinhouse account, from Monday to Friday between 9 AM and 6 PM via: Phone: + 33 1 82 88 29 51 Email: [email protected] 👆 Keep in mind: Coinhouse’s support is available in French, English, Spanish, German and Italian.",https://help.qonto.com/en/articles/6295180-how-to-open-an-account-with-coinhouse What are the different types of offers available through the Financing section?,"The Financing section is accessible only via the web app to Qonto account Admins and Owners who are Corporate Officer or Ultimate Beneficial Owner (UBO) . With Qonto's financing partners, explore and access financing options that empower your business. Here are some examples of the most common financing types: 📈 Revenue-based Financing Quickly secure funding by pledging a percentage of your future revenue or monthly turnover in exchange. The payment size is, therefore, proportional to revenue. This financing is non-dilutive , and payments are not fixed. Adjustable repayment schedules may be available. 💡 What is ""non-dilutive"" financing? As opposed to ""dilutive"" financing (contributions from partners, Business Angels, venture capital funds...), ""non-dilutive"" financing guarantees control of your company's share capital. You remain in control. Here are some examples of non-dilutive financing: credits, bank loans, grants, crowdfunding. ⚡ Short-Term Financing Quickly increase your working capital to power your growth needs. This financing usually lasts less than a year, and it enables you to cover your company’s working capital requirements. * Short-term financing can be helpful for short-term projects such as financing your stock, investing in marketing campaigns, covering unexpected costs, and more. 🧾 Invoice Financing Invoice financing is a type of short-term financing that allows you to increase your cash flow by selling your unpaid invoices to a third party for a fee. With this financing, banks pay a certain percentage of your invoice, and when the customer pays off that invoice, you reimburse the bank and pay a service fee. 🏦 Business Loans The most traditional form of financing: use loans to boost your cash flow to buy equipment and fund your projects. The borrowing institution lends you money, and in return you pay interest. Monthly payments are usually fixed. Want to know more about Financing at Qonto? Read this article about what is Financing and our partners . Can’t find a partner for your financing needs? Take 2 minutes to tell us more about your needs with this form . ⚠️ The above information is purely educational. Qonto does not recommend any particular offering. Customers must choose according to their borrowing needs. Qonto is not granting the loan, has no liability for losses suffered by the customer after taking out the loan, nor do we play a role in the underwriting or credit assessment processes of the financing partners. 👉 If you have questions about eligibility, your application status, etc, we recommend you directly contact partners. You can find customer support links and resources in partner pages on your Qonto account within the Financing section. *What is "" working capital requirement? ” This financial aggregate is composed of 3 elements: The amount of inventory needed to keep your business going: raw materials, merchandise, finished goods. The amount of invoiced amounts to customers that you have not yet collected. The amount of money you owe to your suppliers. The Working Capital Requirement or ""WCR"" is calculated as follows, Inventories + Amounts invoiced to customers - Amounts due to your suppliers. There are two possible scenarios: Your WCR is negative: you have a cash surplus, which allows you to self-finance your activity or to invest. Your WCR is positive: you need cash to ensure the sustainability of your activities. Here, our partners can help you!",https://help.qonto.com/en/articles/6784897-what-are-the-different-types-of-offers-available-through-the-financing-section "What is Qonto’s Pay later feature, and who can use it?","This feature is only available for activities registered in France, Spain and Italy. It is available subject to eligibility and only accessible to Qonto account Admins and Owners who hold Corporate Officer roles. What is Qonto’s Pay later feature? Qonto’s Pay later feature - also known as purchase financing - is a financing solution integrated into your app. It unlocks credit to finance your supplier invoices, allowing you to pay the amount back later in three installments. If you're eligible, you can activate your credit through your Qonto app from Financing > Pay later. The credit is the total amount at your disposal to finance your purchases with the Pay later feature. To use your available credit, simply upload a supplier invoice or a quote (through SEPA transfer) to your Qonto app. We will then credit the exact amount to your account and set up an automatic transfer from your account to pay your supplier immediately . This ensures that your account balance remains the same after the operation. Once you financed an invoice with the Pay later feature, the repayment is automatically scheduled in three installments: +30 days, +60 days and +90 days. A fixed monthly interest rate of 1.17% applies to each of them (15% APR). At each due date, the installment amount will be automatically debited from your main Qonto account . Therefore, it's important to ensure you always have enough funds to meet your installments . For more details, please refer to this article . ☝️ Good to know: The APR (Annual Percentage Rate) is an actuarial rate. This means that the monthly rate is calculated as the equivalent rate over a period of 90 days (3 months). How can the Pay later feature improve my business’ cash management? The Pay later feature offers numerous practical benefits, including optimizing cash management, providing solutions for financing supplies, facilitating tool investment, and managing unexpected expenses. Here is a list of examples where you could use it: Financing supplies or inventory . You can make timely rental payments to secure a stable business infrastructure for construction activities for instance, or purchasing furniture, paying for auction fees or restocking. Investing in new tools . You can buy goods and services aimed to support and expand your business. Emergency purchases . You can use it to replace broken furniture, tools and services, or for repairs. Who can use the Pay later feature? To activate the Pay later feature, you must match our eligibility criteria. If you qualify, you will then need to sign a contract. What are the main eligibility criteria? 🇫🇷 We assess your eligibility and calculate how much credit you can use with these criteria: Your company must be registered for at least 9 months . You must have been a Qonto customer for at least 6 months . Your company must be domiciled in France or its overseas territories. Nonprofit organizations are not eligible. Your company must be fully operational and not in the process of closing. 2-step authentication must be activated on your Qonto account. If you are the subject of seizure following a debt contracted with a company, an individual or the financial authorities in your country, your access to the Pay later feature will be revoked. If we can’t debit an installment from your account on the due date, your access to the Pay later feature will be revoked. Learn more about the impacts of late repayment . What are the main eligibility criteria? 🇪🇸 We assess your eligibility and calculate how much credit you can use with these criteria: Your company must be registered for at least 9 months . You must have been a Qonto customer for at least 6 months . Your company must be domiciled in Spain. Nonprofit organizations are not eligible . Your company must be fully operational and not in the process of closing. 2-step authentication must be activated on your Qonto account. If you are the subject of seizure following a debt contracted with a company, an individual or the financial authorities in your country, your access to the Pay later feature will be revoked. If we can’t debit an installment from your account on the due date, your access to the Pay later feature will be revoked . Learn more about the impacts of late repayment . What are the main eligibility criteria? 🇮🇹 We assess your eligibility and calculate how much credit you can use with these criteria: Your company must be registered for at least 9 months . You must have been a Qonto customer for at least 6 months . Your company must be domiciled in Italy. Nonprofit organizations are not eligible . Your company must be fully operational and not in the process of closing. 2-step authentication must be activated on your Qonto account. If you are the subject of seizure following a debt contracted with a company, an individual or the financial authorities in your country, your access to the Pay later feature will be revoked. If we can’t debit an installment from your account on the due date, your access to the Pay later feature will be revoked . Learn more about the impacts of late repayment . What are the main eligibility criteria? 🇩🇪 We assess your eligibility and calculate how much credit you can use with these criteria: Your company must be registered for at least 9 months . You must have been a Qonto customer for at least 6 months . Your company must be domiciled in Germany. Nonprofit organizations are not eligible . Your company must be fully operational and not in the process of closing. 2-step authentication must be activated on your Qonto account. If you are the subject of seizure following a debt contracted with a company, an individual or the financial authorities in your country, your access to the Pay later feature will be revoked. If we can’t debit an installment from your account on the due date, your access to the Pay later feature will be revoked . Learn more about the impacts of late repayment . ☝️ Good to know: we assess your repayment capacity on a monthly basis, that’s why your eligibility and the amount of credit you can use may evolve. A potentially non-eligible organization may become eligible, and vice versa. Qonto reserves the right to revoke your access to purchase financing at any time, in accordance with your contract terms. What if I’m not eligible? If you do not qualify for Qonto’s Pay later feature, you can explore other financing solutions from our partners, in the Financing > All partners section of your account. And keep in mind that, as your business evolves, you may become eligible to pay later with Qonto in the future.",https://help.qonto.com/en/articles/8271688-what-is-qonto-s-pay-later-feature-and-who-can-use-it What should I do if my company is concerned by a collective proceeding?,"Collective proceedings are procedures where a company in difficulty is placed under judicial supervision in order to organize the settlement of its debts. There are 3 types of collective proceedings, depending on the seriousness of the company's situation: Safeguard procedure Insolvency proceeding Judicial liquidation What are safeguard procedure and insolvency proceeding? Safeguard procedure concerns companies that have not yet suspended payments, whereas insolvency proceeding concerns companies that have suspended payments. These 2 procedures are aimed at allowing the company to continue as a going concern, maintaining jobs and discharging its liabilities. A judicial representative is appointed to represent the creditors. If the company's situation is too unstable, a judicial administrator may be appointed in addition to the judicial representative to manage all or part of the company and its accounts. My company is in insolvency proceeding / safeguard procedure and no judicial administrator has been appointed. What should I do? If no judicial administrator has been appointed, you can manage and use your account as normal. 💡 If the judicial representative sends us instructions, we will be obliged to comply with them. My company is in insolvency proceeding / safeguard procedure and a judicial administrator has been appointed to assist or represent it. What should I do? If a judicial administrator is appointed, we are obliged to comply with his instructions, for example: Block the account but allow credit transactions only Give the judicial administrator access to the account but with restricted access (read-only) Give the judicial administrator access to the account with a change of holder in his favour Only the judicial administrator has the power of decision over the account, the account holder or company manager will not be able to give us instructions. 💡 If the insolvency proceeding/safeguard procedure is reversed, the company manager may regain free use of the account. In this case, we will ask you to provide us with the signed judgment. What is a judicial liquidation and what should I do? Judicial liquidation is a court decision that puts an over-indebted company out of business. In this case, the insolvency proceeding/safeguard procedure will unfortunately not have enabled the company to improve its situation. Thus, judicial liquidation puts a definitive end to the company's activities. In a judicial liquidation, a judicial liquidator is appointed. Only this person can manage the account. We must therefore comply with the liquidator's instructions. The account holder or company manager will not be able to give us instructions. 💡 For individual companies, if a new activity different from the previous one is started, the SIREN number remains the same. As a result, even if the previous activity gave rise to a judicial liquidation, the manager can manage the account alone. In this situation, we may ask you for proof of the new activity.",https://help.qonto.com/en/articles/8182220-what-should-i-do-if-my-company-is-concerned-by-a-collective-proceeding What should I do if my company is deregistered?,"The deregistration of a company means the closure of the company. It is the act that formalizes the closure of the company in the legal databases and eliminates its legal existence. Deregistration may be the result of dissolution or juridical liquidation. I've closed my company, what should I do about my account? If you wish to close your account yourself following the closure of your company, that is very simple! All you have to do is log on from a computer and follow the steps below: Go to the Settings section in your Qonto web application. Navigate to Billing and invoicing Under the Price plan details tab, click on the Close Account button. Follow the instructions on the closing confirmation page. Please see this article for more information. We also receive regular updates from the legal databases. If we notice that your company has been deregistered, we will close the company's account with 60 days' notice. In this case, you will be informed by email. 💡 If your company is deregistered, the account must be closed. We cannot keep an account active for a company that no longer exists. My company has been deregistered but I'm contesting the deregistration, what should I do? If you contest the deregistration of your company, please send us one of the following documents as soon as possible: The company's updated KBIS, which no longer mentions the deregistration A notice from INSEE stating that your company is indeed active 💡 If the notice period is not enough to complete your procedures, don't worry, we'll find a solution together. In this case, we invite you to contact us quickly by email or chat 🙌",https://help.qonto.com/en/articles/8182231-what-should-i-do-if-my-company-is-deregistered What to do when an Administrative Seizure by Third Parties (SATD) occurs on my account?,"The Administrative Seizure by Third Parties (SATD), formerly known as Third Party Notice (ATD), is an administrative procedure for the enforcement of public law that allows for the recovery of amounts owed to the Treasury. This action is the Treasury's last resort after multiple reminders. What does Qonto do when an Administrative Seizure by Third Parties is received? In accordance with Article L262-3 of the Code of Civil Enforcement Procedure, the third party must immediately declare by all means the extent of its obligations to the debtor under the conditions provided for in Article L. 211-3 of the Code of Civil Enforcement Procedures. Qonto is therefore obliged to deduct the requested amount without being able to challenge this request from the tax authorities (DGFIP, SIE, ...) and under penalty of sanctions. This amount is isolated in an internal account at Qonto for a period of 30 days , giving you time to give your consent or contest the operation. 💡 Good to know: The isolated amount takes into account your right to a Solde bancaire insaisissable , if you are eligible. The processing of SATD is considered an irregularity and involves special fees as specified in Appendix 3 of the general terms of use. This is in accordance with Article L262 of the Tax Procedures Code and Decree No. 2018-1118 of December 10, 2018. The fees for SATD represent 10% of the total amount , with a maximum ceiling of €100 including tax per seizure. What to do to release this amount? You have several options: ✅ Do you consent to this seizure? You can inform us through the chat. We will then proceed to transfer the funds to the tax authorities as soon as possible. ❌ Do you contest this seizure? We invite you to contact the requesting administration service as soon as possible. If an agreement is reached between you and the treasury, it is the latter that will have to come back to us with a release act . We can then partially or totally refund the isolated amount based on your agreement with the tax authorities. After 30 days and without a response from you or the Treasury, the previously isolated funds will be transferred to the tax authorities. 💡 Good to know: This is a one-time action. There will be no further seizure on your account unless we receive a new document. You can therefore replenish your Qonto account now if you wish!",https://help.qonto.com/en/articles/5203085-what-to-do-when-an-administrative-seizure-by-third-parties-satd-occurs-on-my-account What to do in case of death of the account holder?,"First of all, we would like to express our sincere condolences. In order for us to update the account(s) concerned, we will need to obtain certain documents. Once these have been received, we will guide you through the necessary steps. The account concerned is an account for a legal entity (company) Company law will apply if the account is for a legal entity. We will need an official document proving the death of the account holder from the following list: Either the death certificate Or the presentation letter from the notary We will also ask you to provide us with a proof of identity or proof of parentage of the deceased. Following the death of the company manager, the shareholders must take the necessary steps to change the manager or liquidate the company. If a new company manager has been nominated, we invite him or her to contact us by email or by chat and provide us with an up-to-date KBIS and the Minutes of the Extraordinary General Meeting at which the change of company manager was agreed. We will then be able to proceed with the change of account holder. The account concerned is for an individual (auto-entrepreneur) We will need an official document proving the death of the account holder from the following list: Either the death certificate Or the presentation letter from the notary We will also ask you to provide us with a proof of the deceased's identity or parentage (a family record book, for example). We will also ask you for the contact details of the notary, if there is one. We can then carry out the necessary checks on the heir(s). If an heir is a minor or a protected adult, you will need to provide us with the judgment of acceptance of the succession issued by the Guardianship judge, as well as the settlement instructions from the legal tutor. In addition, if one of the heirs is domiciled outside France, we will need the certificate of non-dischargeability of duties in order to release the funds held in the account. 💡 Good to know: We can pay the Funeral Home bill up to €5,000. To do this, you will need to send us the following documents: either the original invoice from the Funeral Home, received by post or in pdf by email directly from the Funeral Home and the agreement of an heir accompanied by the ID and a document proving the inheritance or the agreement of the notary in charge of the succession",https://help.qonto.com/en/articles/8182215-what-to-do-in-case-of-death-of-the-account-holder What to do when an Attribution Seizure (SA) is received on your account?,"An attribution seizure (SA) is a legal document received through a bailiff following a judgment when a creditor claims you owe them money. What does Qonto do when an attribution seizure is received? As soon as Qonto receives such a document from a bailiff, we are legally required to seize the requested amount from your Qonto accounts . This amount is isolated in an internal account at Qonto for a period of 30 days , giving you time to give your consent or contest the operation. The bailiff then has 8 days from the delivery of the document to inform you of the seizure. 💡 The isolated amount takes into account your right to Solde bancaire insaisisabl e if you are eligible. The fees for attribution seizures are fixed and amount to €100. How to release this amount? You have several options: ✅ Do you consent to this seizure? You can give your consent directly to the bailiff so that they can inform us and we can transfer the funds. ❌ Do you contest this seizure? You can file an appeal with the competent court and inform the bailiff. You can also contest the seizure with the bailiff to find another resolution method. If your challenge is successful, the bailiff must provide us with a partial or total release to unblock the funds . If you have not contacted the bailiff within this 30-day period, they may then send us a new document called a ""non-contestation"" so that the isolated amount is transferred to them. 👆Good to know: This is a one-time action. There will be no further seizure on your account unless we receive a new document. You can therefore replenish your Qonto account now if you wish!",https://help.qonto.com/en/articles/5203109-what-to-do-when-an-attribution-seizure-sa-is-received-on-your-account "Can my company benefit from the ""Solde bancaire insaisissable"" (SBI)?","This article is related to companies registered in France 🇫🇷 Depending on your company's legal status, your bank must leave a minimum amount in your account when it is seized: this is called the Solde bancaire insaisissable , or SBI . How does the SBI work? The SBI amount is equal to the amount of the RSA, regardless of your family situation. You can find the exact amount on the government's website . In case of an administrative seizure or attachment to your account, and if your legal form entitles you to the SBI , this amount will not be isolated. The SBI can only be applied once per seizure (all banks combined) for 1 month. This means that if a new seizure is presented on the account in the same month, the SBI will not apply, and the balance in the account can be isolated. 💡If your account balance is lower than the SBI amount, no amount will be seized. Am I eligible for the SBI? Eligibility for the SBI depends on the legal form of your company. ✅ Legal form entitled to the SBI: Individual Limited Liability Entrepreneur (EIRL) Artisan-trader Trader Artisan Liberal profession Agricultural operator Commercial agent (Other) Natural person ❌ Legal form not entitled to the SBI: General partnership Limited partnership Limited Liability Company (SARL) Limited Liability Company (SARL) (Single-member) Public limited company with board of directors Public limited company with executive board European company Special commercial cooperative company Simplified joint-stock company (SAS) Simplified joint-stock company (Single-member) (SASU) Civil company Economic interest grouping Foreign legal entity, registered with the RCS Association under the 1901 law or similar.",https://help.qonto.com/en/articles/5203062-can-my-company-benefit-from-the-solde-bancaire-insaisissable-sbi Can I delegate F24 payment to my accountant?,"Yes, thanks to the integration of Qonto with the Italian Revenue Agency, you can delegate F24 payment to your accountant. This service is also known as I24. ​ ​ How does F24 payment by delegation work? Your accountant can make payments by proxy on the Revenue Agency's Fisconline and Entratel platforms. In order to have a successful payment, your accountant must enter: Your Qonto IBAN; The VAT number or the tax code of the account holder; Your F24 data; Tha payment due date. The deduction from your Qonto account takes place on the due date indicated by your accountant. The transaction will appear on your History the day after. ☝️It is necessary to have sufficient funds in the account to have a successful payment. ​ ​ Where can I find the payment receipt? You can find the payment receipt in your Tax Box ( cassetto fiscale) on the Fiscal Agency (Agenzia delle Entrate) website. You will have to wait at least 5 days from the payment date. ☝️It is not possible to download the receipt of F24 payments from your Qonto account made by your accountant, but only those processed directly through our platform. ​ ​ Why was the payment denied? If the payment did not go through, the main reasons may be: The VAT number or tax code entered on the Revenue Agency platforms do not match those of the Qonto account holder; Your Qonto account does not have sufficient funds. In this case we will notify you by email. ☝️ Personal F24 cannot be paid via your Qonto account If you want to know more about F24 payment with Qonto, visit the article: What is the F24 form and what types of F24 can I pay with Qonto?",https://help.qonto.com/en/articles/7257412-can-i-delegate-f24-payment-to-my-accountant What is the F24 model and what types of F24 can I pay for with Qonto?,"The F24 is the form with which taxpayers, VAT-registered and non-VAT-registered, make payments of taxes, fees and contributions. It is a unified form , introduced in 1997 to simplify and unify the different forms used in the past to pay taxes. With the F24, in fact, a single operation is enough to pay all the amounts due. VAT-registered taxpayers are obliged to use telematic modes of F24 payment , such as the one offered by Qonto. What taxes and fees can I pay with F24? The main taxes and contributions you can pay with Qonto through the F24 form are: income taxes (Irpef, Ires); withholding taxes on labor income and capital gains; VAT; Irap; Inps, Inail, Inpgi, Cipag, Cnpr, Enpacl, Enpap, Enpapi, Epap, Eppi, Cnocl contributions and Inail premiums; Imu, Imi, Imis, Tari and Tasi; regional and municipal taxes. For a complete list of all taxes, contributions and premiums, you can consult the website of Agenzia delle Entrate. Does Qonto also accept F24 forms with offsetting amounts? Absolutely! Unlike the services offered by traditional banks, with Qonto you can make both debit and credit payments on an F24 . Offset payments are only possible through the new I24 feature, delegating the payment to your accountant with immediate debit. You can find more information at the dedicated article. What are the F24 forms supported by Qonto? With Qonto you can pay the ordinary F24 form , which is valid for the payment of the vast majority of taxes. You also have the possibility to pay simplified or predetermined F24s : you just have to link them back to the ordinary model! ​ 👇 Please note ​ Through Qonto it is currently not possible to pay taxes via the Elide (Identifying Elements) and Accise model. When should I pay my F24? F24 payment deadlines are usually concentrated in the middle or end of the month . You can check the website of Agenzia delle Entrate for all the detailed information on the F24 tax schedule.",https://help.qonto.com/en/articles/5228124-what-is-the-f24-model-and-what-types-of-f24-can-i-pay-for-with-qonto How do I view my F24 payment history and receipts?,"In the Movements section of your account, you can view debits related to your F24 payments. The charge is visible in the immediate from the time the payment is entered. Also, to get a complete overview of your payment history to the Agenzia delle Entrate, you can now access the F24 section of your Qonto app! 🤩 Indeed, this dedicated space, accessible on your Qonto interface from both computer and phone, allows you to view: In the Upcoming column, all F24 payments for which you have applied. Here you will find specified the disposition date, payment date, and corresponding amount. By clicking on the payment you are interested in and then on See the submitted F24 form in the window that will appear to your right, you will also be able to verify the correctness of the data entered in the form (only available from the Web). ​ Finally, the Passed column allows you to view all of your F24 payments, both those that were successfully completed and those that were unsuccessful. In this column, you will be able to download the receipt for each of your F24 payments. To do so, simply click on the F24 payment you are interested in and then on Download Receipt in the window that will appear to your right. When will my F24 receipt be available? Your F24 receipt is available on your Qonto interface by the next business day after payment. ❗️Some delays to these timelines depend on when the Agenzia delle Entrate records your payment. Don't worry, we will notify you with an email about the status of your payment! 😊 You will be able to download your F24 receip t directly from your Qonto interface! 💡 Do you have any doubts about the payment status , need support to download the receipt , or need more information regarding the non-payment of your F24? You can contact our customer service at any time, we will be happy to help you! 💪 ☝️ Good to know : Your F24 payment history is available from both computer and phone!",https://help.qonto.com/en/articles/5228120-how-do-i-view-my-f24-payment-history-and-receipts How can I reimburse a team member for an expense they paid for with their own funds?,"The Mileage reimbursements feature is only available to French companies on Business and Enterprise plans. Mileage reimbursement allow team members to request or submit reimbursements when they incur expenses using personal vehicles for work-related travel. Reimbursement requests can be approved by Owners, Admins, and Managers with transfer permissions. How do I know when a mileage reimbursement request has been submitted? Owners, Admins, and Managers with transfer permissions enabled will receive an email and mobile notification as soon as a request has been submitted. Learn more about customizing Qonto notifications . How can I approve or decline a mileage reimbursement request? On desktop : Select the Team Expenses section on the left. Click on Reimbursements , then select any mileage request. Approve the request or Reject it, including a reason for rejection. On mobile : Open the Qonto App on your device. Go to Menu > Requests > Mileage Tap Pay by transfer to approve the request or tap Reject, including a reason for the rejection. Once the Mileage reimbursements request has been approved, the requestor will receive an instant reimbursement. 💡 The reimbursement amount is filled automatically based on the pre-defined rates in Qonto’s calculation system , using the location and vehicle details provided by the requester. They cannot manually add or edit the amount. As an Owner, Admin, or Manager with transfer permissions enabled, how do I get reimbursed for a mileage expense? To get reimbursed for a business mileage expense, Owners, Admins, or Managers with transfer permissions can follow the same procedure as above by approving their own submissions. They will then receive the reimbursement via an instant transfer.",https://help.qonto.com/en/articles/8166309-how-can-i-reimburse-a-team-member-for-an-expense-they-paid-for-with-their-own-funds Can I pay for an F24 with Qonto?,"With Qonto you can pay all your F24s , easily, quickly and securely. Check out this dedicated article to learn all the details! ☝🏻Good to know: compensation payments are possible only through the new I24 feature. You can find more information at the dedicated article . Instead, you can make debit F24 payments in a few clicks directly through your interface via the section in the menu on the left. Can my accountant also pay F24s with Qonto? Yes: with Qonto, the process of paying F24s through an intermediary (such as an accountant) is simple and straightforward! All you need to do is create read-only access to your accountant or other intermediary , so that they can pay all your F24s easily, thanks to an intuitive interface. In fact, filling out your F24 form on the Qonto app can be done not only by the Owner or an Admin , but also by anyone who has access to your account in the role of Accountant . 💡 Please note: you do not need to activate the functionality for F24 payments. It is already available when you activate your account. Can I delegate the payment of F24s to my accountant? Yes, thanks to Qonto's integration with the Agenzia delle Entrate, you can delegate F24 payments to your accountant. This service is also known as I24. For detailed information on the new I24 feature, feel free to consult the dedicated article Can I delegate F24 payments to my accountant?",https://help.qonto.com/en/articles/4359647-can-i-pay-for-an-f24-with-qonto How can I get reimbursed for an expense that I paid for with my own funds?,"H ow can I get reimbursed for an expense that I paid for with my own funds? The mileage reimbursements feature is only available to French companies on Business and Enterprise plans. If you've used your personal vehicle for a work-related trip, you can easily request reimbursement for travel expenses through our mileage reimbursement feature. It’s only possible for Owners, Admins, and Managers with transfer permissions enabled to approve mileage requests. What do I need to submit a mileage request? Starting point and destination of your trip 💡 You can choose your route using Google Maps on our app. It will automatically calculate the distance between the two points, and you can also convert this to a round trip. Vehicle type and fiscal power: You can find your vehicle’s fiscal power in your vehicle registration document. 💡 The expense amount will be entered automatically, based on the pre-defined rates in Qonto’s calculation system , using the locations and vehicle details you provided in the earlier steps. You can’t manually add or edit the amount. Purpose of the trip: Provide more context about your expense for your Admin or Manager. IBAN: To get your reimbursement, you’ll need to enter the IBAN of your personal bank account. You can add your IBAN directly when making a request or fill it out in your personal profile. 💡 Your IBAN will be stored in your profile and can be added or updated directly from there. How can I request or submit a mileage expense? On desktop Select the Team expenses section on the left. Click on Reimbursement , then Submit an expense. Select Mileage. Specify your Trip route by ****selecting a starting point and a destination, and then confirm. Fill out the Purpose of your trip , and include your IBAN if you haven’t added it to your profile yet. On mobile Open the Qonto app on your device. Go to Menu > Requests > Mileage Specify your Trip route by selecting a starting point and a destination, and then confirm. Fill out the Purpose of your trip , and include your IBAN if you haven’t added it to your profile yet. 💡 Owners, Admins, and Managers with transfer permissions can directly approve and pay their own mileage expenses. How can I see the status of my request? You can see the status of your request in the Requests section. When a reimbursement request gets approved, you’ll receive an instant reimbursement transfer to your selected IBAN. When a request gets declined, you’ll receive an email and notification with a reason provided by your Admin or Manager. You can see this by clicking on the request.",https://help.qonto.com/en/articles/8166269-how-can-i-get-reimbursed-for-an-expense-that-i-paid-for-with-my-own-funds How does the F24 work on Qonto?,"With Qonto you can pay taxes and duties by completing the F24 in a few minutes, in a simple and safe way. In fact, Qonto allows you to make the F24 paymen t through an intuitive interface that follows the official Italian F24 model which makes it so easy to fill in all the fields on the app. Furthermore, before the actual payment, Qonto takes care of reporting any error in the file, in order to guarantee greater security. What type of F24 can I pay with Qonto? Unlike the services offered by traditional banks, with Qonto you can make the F24 payment in both debit and credit. This is possible thanks to our collaboration with a network of accountants who deal with the declaration and payment of your F24, as required by the F24 legislation with offsetting credits. With Qonto you have the ordinary F24 model available and valid for the payment of the vast majority of taxes. You also have the option to pay for the simplified or predetermined F24 : you just have to change them back to the ordinary model! To find out more, check out this article. How can I pay for an F24? In order to pay F24 through Qonto, the account Owner or Admin must activate the feature: it only takes a few minutes! Once the feature has been activated, you can pay for all your F24 without limits and at no additional cost . How? Log in to your Qonto app on your computer, click on F24 and then click on Get started ; Click on the sections for the F24 form relevant to your payment and enter the missing data and information: Qonto automatically fills in the Taxpayer section, so the first time you make an F24 payment, make sure that the information entered in this section is correct; these information will also be stored for future payments. If necessary, you can of course change the data for any payment and you will find the same pre-entered information when you make the next one. It is your responsibility to fill in the other sections for Authorities Tax, INPS, Regions, IMU, Other local taxes and Other social security and insurance bodies . click on Continue , give your payment a name and then click on Continue again; if you have one or multiple accounts, choose the account you want to make the payment with; verify that all the information entered are correct, click on Confirm and then on Close . Remember that once confirmed, it is not possible to delete an F24 from the Qonto app. However, you can contact our customer service on the day of filling in to request to cancel the payment. ​ 👉Please note: refunds for canceled F24s are not immediate . It may take 5-7 business days for the funds to be credited back to your account."" ☝️ Good to know: before final confirmation, Qonto carries out the main checks on the model and automatically reports any compilation errors, so you can correct them before confirming the payment. After your confirmation, the accountant to whom your payment is delegated takes care of an additional check, in order to further limit the risk of errors. How long does it take to pay for an F24? Filling an F24 takes only a few minutes! Once started, remember to finish it and do not interrupt it in order to avoid to repeat the process from the beginning. After you have confirmed all the data entered, Qonto transfers the amount owed from your account to one of our partner accountants, who further verifies the absence of errors in the form and makes the payment. From the moment after you fill and submit your F24, it takes 3 business days to complete your payment. For now it is not possible to decide the exact date on which the payment must be made but you will find the precise date on which the payment will be made before filling out and confirming your F24. To meet the deadline, remember to fill out your form in advance and take into account the necessary timelines indicated above. We will keep you informed of the status of your payment via email and will notify you as soon as the relevant receipt is available. Who can fill out my F24? The F24 form on the Qonto app can only be filled by the account owner or Admin or by anyone with access to the account as an Accountant . 👉 We are working to further improve the process of your F24 filling, with the aim of making it fully automatic! Soon you just need to take a photo of the completed F24 paper form or upload it in a pdf format: all the information will automatically appear on the online template within your Qonto app. Do you want to know when the autofill process will be available? Write to our customer service via the chat located in the lower right corner of this page, and we will contact you as soon as the new feature is activated.",https://help.qonto.com/en/articles/5187295-how-does-the-f24-work-on-qonto How to manage my team members’ mileage on Qonto?,"The mileage reimbursements feature is only available to French companies on Business and Enterprise plans. Who can submit a mileage expense? Owners, Admins, Managers, and Employees can submit mileage expenses on Qonto. As a requester, go to the Requests section to submit your expenses. You’ll need to provide the mileage details, such as distance traveled, purpose, and your personal IBAN. Learn more about the process for submitting a mileage reimbursement request. Who can approve or decline a mileage report request? Owners, Admins, and Managers with the transfer permission enabled can approve or decline a mileage request on Qonto. To approve or decline a request, go to the Team Expenses section, click on Requests , then approve or decline any of submitted requests. ❌ Users with an Accountant role can't submit, approve, or decline mileage requests. How do I know when a mileage request is submitted? Owners, Admins, and Managers with the transfer permission enabled will receive an email and mobile notification as soon as a request is submitted. Learn more about customizing Qonto notifications . With the mileage report request, it’s currently not possible to: ❌ Create an approval workflow. ❌ Submit reimbursement requests in bulk. 💡Need support with getting your employees to submit mileage expenses? Copy and paste the paragraph below, and share it with your team members: Get reimbursed faster on your mileage . If you incurred expenses when using your personal vehicle, you can submit a mileage reimbursement request on the go and track its status in real-time using the Qonto app. Need more guidance? Read this FAQ article to learn how to submit a mileage report.",https://help.qonto.com/en/articles/8166166-how-to-manage-my-team-members-mileage-on-qonto What is an inactive account?,"An account is considered inactive if Qonto did not notice any activity within the last 12 months, including: Transactions Log in attempts Contacts to customer support from the account owner According to the Eckert Law , Qonto has to list those accounts, inform owners, apply a specific billing and manage the funds. What happens in case of inactivity? Billing cycle Automatically, after 12 months without contacts, transactions or log in attempts , Qonto will consider the account inactive and stop the current billing cycle you committed to. The account will then enter a new billing cycle, with a monthly maintenance fee of €2.50 (€30 per year) charged as long as the account stays inactive. 💡 Your subscription, cards, and additional fees won’t be billed anymore. An email will be sent to the owner and admins of your account, to inform you about the inactivity. Remaining funds in the account If the account is still inactive, Qonto will have to move the remaining funds on the account to the Caisse des Dépôts et Consignations (CDC). The transfer will be done after 3 years in case of death , and 10 years in case of inactivity. The funds will remain available for 30 years. After this period and if they are not claimed by the holder or his successors, the funds are definitively returned to the State. 👉 If you are looking for an inactive account hosted at the Caisse des Dépôts et Consignations (CDC) , please fill in their form here . What to do in case of inactivity? In case you received an email about the inactivity of your Qonto account and you want it to be considered active again, you just have to perform one of the actions below: Log in Make a transfer Receive a payment Contact us 💡 Your subscription, cards, and additional fees will then be billed again, according to your previous plan and options. If you don’t need your account anymore, you can also close your Qonto account.",https://help.qonto.com/en/articles/8105863-what-is-an-inactive-account How are my Qonto fees calculated?,"At Qonto, our mission is to offer you a complete business account, with fair and transparent pricing. How are additional fees calculated? Depending on your plan, a certain number of operations are included while others will be additional fees. Cards Fees related to cards depend on your subscription and the type of card. Physical cards: Additional cards will be charged (€5 per One card, €8 per Plus card, €20 per X card). Virtual cards: With the Basic plan, you will be charged €2 per month, per card. All other plans contain unlimited free virtual cards. Instant cards : They are only available for Business and Enterprise plans, and they are unlimited and free. FX fees An exchange commission on non-euro card payments will be applied: One, virtual and Instant card: 2% Plus: 1% X card: free Cash withdrawal The billing for cash withdrawal will depend on the card you withdraw cash with: One card: €2 per withdrawal; Plus card: 5 withdrawals included per month, €2 per additional withdrawal; X card: unlimited free withdrawals. Transfers and direct debits SEPA zone: Your plan contains a specific number of transfers (incoming and outgoing) and direct debits. For any additional operation, you will be charged €0.40 (for Basic, Smart and Premium plans) or €0.25 (for Essential, Business and Enterprise plans). SWIFT zone: Incoming and outgoing transfers are treated differently. Incoming transfers will be charged €5 per transfer for all plans. Outgoing transfers are charged €5 for all plans + decreasing % of the amount of the transfer according to the price plan. Solo - Basic: 1% Solo - Smart: 0.9% Solo - Premium: 0.8% Team - Essentiel: 1% Team - Business: 0.75% Team - Entreprise: 0.5% Checks (for French companies only) Each plan includes a specific number of checks. Additional deposited checks are charged €2. Members Essential, Business, and Enterprise plans allow a certain number of member access in your Qonto account. For each of these plans, you can add additional members for €5 per access, per month. Service fees These additional fees can include the delivery of a new card (€6 excluding VAT) or the processing of irregularities (for French companies), in the context of a judicial authority demanding the repayment of an unpaid debt. SATD : the management of SATD is invoiced at 10% of the total amount requested by the seizing structure, with a high ceiling of €100 including VAT. Seizures : the management of seizures is invoiced at €100 including VAT. How to find the details of my Qonto fees? Moreover, if you wish to see the details of your charges during the current month, you can go to Settings > Billing and invoice > Price plan details . You can get additional information on all Qonto fees in your history view by clicking on the transaction line. 💡 In some cases, it can be a good choice to upgrade your plan, to get access to a higher number of operations and advanced features. 👉 To know more about our plans , take a look at our dedicated website page . 👉 If you want to understand how the billing works at Qonto , visit this article .",https://help.qonto.com/en/articles/5898299-how-are-my-qonto-fees-calculated How is the mileage reimbursement amount calculated?," This section is part of the Mileage reimbursement feature available only to FR organisations 🇫🇷. What is the rate per km for my vehicle? Every year, the French tax administration sets up guidelines for mileage reimbursements based on the vehicle type and distance traveled. At Qonto, we are using the specific scales for each vehicle type to get the rate. Car: ≤5000 km/yr slab Motorcycle: ≤3000 km/yr slab Scooters: ≤3000 km/yr slab Vehicle type Power Rate per km (in euros) Car 3 cv and less d × 0.529 Car 4 cv d × 0.606 Car 5 cv d × 0.636 Car 6 cv d × 0.665 Car 7 cv and more d × 0.697 Motorcycle 1-2 cv d × 0.395 Motorcycle 3-5 cv d × 0.468 Motorcycle 5 cv and more d × 0.606 <50cc two-wheeler — d × 0.315 d= distance traveled ☝️ Note: We don’t do an annual calculation of the distance traveled, so the same rate will be applied for the same vehicle despite the number of kilometers traveled. How is the total distance calculated? The requester selects the starting and ending point using Google Maps from the Qonto app. To calculate the distance, we use an integration with Google Maps to get an accurate route. How is the total amount calculated? The total amount is obtained by multiplying the total distance travelled in a particular request with the rate per km for the selected vehicle type and fiscal power. 👉 Suppose that the requester drove 50 km in her 6 cv car. The rate/km for a 6 cv car is €0.665 from the above table. Hence, the total amount to be reimbursed will be 0.665 * 50 which is €33.25.",https://help.qonto.com/en/articles/7936264-how-is-the-mileage-reimbursement-amount-calculated How does the billing work?,"How does billing work? Your subscription fees are billed directly from your account balance. Depending on your billing preferences, you can make the choice to pay for your subscription fees month by month or you can pay upfront for the full year by choosing our annual payment option (for more information on how to change plans and billing options, click here ). 💡 Make sure your account balance is always superior to your upcoming subscription fees whether you chose to be billed annually or monthly. To find out how much your subscription is going to cost you, click here . When will I be billed? Your first payment is due at the end of your 30 days trial period after joining Qonto (except for Incorporating Companies, in this case, your first payment is due upon registration). Our billing works this way, depending on your billing preference: I chose to be billed on a monthly basis: The amount of your first subscription fees will be calculated based on the number of days remaining in the month at registration. After this first period, you will be billed on the first day of the month for the full fee. Additionally, (if applicable) we will charge your extra cards and members on the first day of each month and your additional fees (off-subscription operations) on the go during the month. ​ I chose to be billed on an annual basis: The amount of your first subscription fees will be calculated based on the number of days remaining in the month + 11 months (to complete for a full year). After this first period, you will be billed each year for a full yearly fee. Additionally, (if applicable) we will charge your extra cards and members on the first day of each month and your additional fees (off-subscription operations) on the go during the month. What happens if Qonto can't charge me? 💡 Qonto has made the choice not to apply penalty fees on your overdue payments , as other institutions do. In case of an insufficient balance, you will be notified of a ""payment failure"" and will be asked to top up your account so that your payment can be processed next. If a first payment failure has occurred, and you topped up your account during the month, three possible situations: If you have enough funds to cover your entire fees: Qonto will charge your account for the full subscription price. You will no longer have outstanding fees. Example: if you have an outstanding fee of €169 and top up your account of €180. Your account will be charged of €169. All your fees will be paid for and you will have a remaining balance of €11. ​ If you don’t have enough funds to cover your entire fees and did not add a payment method when you registered:: in this case, you will have pending charges at the beginning of the next month. However, to avoid many pending charges, Qonto will attempt to collect all or part of the remaining monthly fees that are more than one month old on the 1st of each month. If you have registered a payment method after 02/13/2024: Qonto will fund your main account with your stored card to pay the first pending fees. Example: If you have pending charges of €169 and your account contains €130, you will be debited the difference from your registered card to fund your account. Your account will then be debited for the full charge and you will have a remaining balance of €0. 💡The account holder can delete a payment method in Settings > Billing and invoices > Payment methods . When do I receive my invoice for the payment of my Qonto fees? On the 1st of each month, your invoice is made available in your Qonto app with the list of fees that were due for the past month: If I chose to be billed on a monthly basis: your invoice will display your subscription fees, your extra cards, and the additional fees. ​ If I chose to be billed on an annual basis: your invoice will display your subscription fees (only for the first month following your annual payment) and then each month, you’ll only receive the invoice for your monthly fees (extra cards, and the additional fees). Where do I find the details of my fees? You can have complementary information on all Qonto fees from your history view, by clicking on the transaction line. Moreover, if you wish to see the details of your charges during the current month, you can go to Settings > Billing and invoice > Price plan details . To download your invoices, please check the article Where do I find my invoices ?",https://help.qonto.com/en/articles/4359672-how-does-the-billing-work Where do I find my Qonto invoices?,"Qonto’s billing is based on a monthly or annual calendar period, and invoices are generated on the first day of every month . Invoices won't be generated for those months in which the total amount is 0. ​ Invoices display subscription fees and additional fees that were well completed for that month. Annual subscription fees will be displayed on the invoice for the month during which the fee was debited. For better visibility, you can retrieve your Qonto invoices at any time from our web interface. To do so, you have two options: From the Invoice section Go to the Settings section of your Qonto’s web interface on the bottom left. Then go to Billing and Invoices Click on the Qonto Invoices section Select the invoices that you want to download. 🎉 ✌️Good to know: You can select and download as many invoices as necessary in bulk. A compressed file (.zip) will be automatically sent to your email address, containing all selected invoices in PDF. This email can be forwarded to your accountant or any person of your choice. From the Transaction section Click on the transaction of your choice in the Transaction section. Then click on Invoice . You will find your invoice attached. 🎉 💡 You want to find your invoice for your Capital Deposit payment? We sent it to you in the mail entitled Your Qonto invoice on the day of your payment.",https://help.qonto.com/en/articles/6068090-where-do-i-find-my-qonto-invoices How to change my Qonto subscription plan or billing frequency?,"In this article, learn how to modify your Qonto plan and/or your billing frequency. You can consult our pricing page to discover all of Qonto's plans HERE . Note that for each Qonto plan, you can choose between two billing frequencies: Monthly billing Annual billing (please note that in this case, you pay all at once for the next 12 months. In return for your commitment, you benefit from a preferential rate. More information HERE .) I want to: Change my Qonto plan Update my billing frequency ⚠️ Please note, if you are currently on a Company Creators pack or if you are already paying for your plan annually, please see the Specific Cases section at the bottom of this page. Change my Qonto plan From a computer, go to Settings > Billing and invoices . From a mobile app, go to the More section at the bottom right of your screen. Then: Click on Price Plan Details , then Change Plan, Compare our offers via the Freelancers and SMEs and Startups tabs, according to your needs. Select the plan of your choice and confirm by clicking on the Choose button 👉 Make sure to also check the selected billing frequency via the purple switch Monthly or Annual, at the top of your screen) before you confirm your choice. 👉 Make sure to have sufficient funds in your account before changing your subscription or payment preference to avoid being blocked during the payment step. Update my billing frequency To update your billing frequency, follow steps 1 to 3 above, then before validating your choice for the desired plan, check that you have ticked the desired billing frequency (""Monthly"" or ""Annual"") via the purple switch at the top of your screen. Note that if you wish to keep your current package, but simply change the billing frequency, the procedure remains the same. You must first click on the Change plans button, then check the switch on the desired billing frequency. You will then see the Choose button, on your current plan, change to Switch to annual or Switch to monthly (depending on your choice). Confirm your choice by clicking on this button. What happens if I change my Qonto plan or billing frequency? 💡 If you are currently on your one-month free trial (subscription less than one-month-old, excluding the Company Creators pack), please note that you can change your plan or/and your billing frequency as many times as you like, with no impact on the cost of your subscription. Take this opportunity to find out which plan suits you best. The change (features added/removed) and the billing/refund of the difference between your old and new plan are immediate. When you change your plan, your account is reimbursed for the amount already paid for the current month, then debited for the price of your new plan (so you only pay the difference between the two plans). If you have opted for a more expensive plan, you will be debited for the corresponding supplement. Conversely, if you have opted for a cheaper plan, you will be reimbursed for the prorated difference (based on the number of days remaining in the current month) between your two plans. If you change your billing frequency (""Monthly"" or ""Annual""), the same principle applies, except that the amount already paid for a plan paid annually cannot be refunded if you switch to a cheaper plan or change your billing frequency from annual to monthly. Note that if you are currently on a monthly billing frequency and switch to annual, your first annual bill will be prorated for the number of days remaining in the month at the time of subscription. Typically, if you subscribe on the 15th of the month, you won't pay for a full 12 months, but for 11 months and 15 days. (This only applies once, when you switch from monthly to annual billing). At the end of your commitment, and without any change on your part, your annual plan will be automatically renewed for 12 months. Specific case: Company Creators pack with capital deposit By subscribing to a Company Creators plan (with a capital deposit) you have paid for your Qonto plan and are committed for 12 months. Changing your plan during your commitment has the following consequences: Switching plans - you are free to change your plan during the term of your contract. In this case, your end date remains the same and the following conditions apply: I switch to a more expensive package → in this case, you immediately unlock the new features and benefits of your new plan, and you will then have to pay the amount corresponding to the difference between your old plan and your new package (calculated pro rata temporis for the number of days running up to the end of your commitment). I switch to a cheaper plan → in this case you immediately lose the exclusive features and benefits of your old plan ( remember to check the elements included in your new plan ) and you are not reimbursed for the amount corresponding to the difference between your old plan and your new plan (once committed, keep in mind that the optimal time to change subscription is at the end of the commitment, not before). Changing billing frequency - depending on the date you subscribed : I subscribed to a Company Creators plan before April 3rd, 2023 → at the end of your 12-month commitment, you will switch to a monthly subscription by default (see the cost of your monthly subscription here). If you prefer to be billed annually, follow the steps described above to change your billing frequency. I have subscribed to a Company Creators plan after April 3rd, 2023 → at the end of your 12-month commitment, you will switch by default to an annual subscription (consult the cost of your annual subscription here). If you prefer to be billed monthly, follow the steps described above to change your billing frequency. 💡 Please note that we recommend that you wait until the end of your current annual commitment before changing your current billing frequency. This is to avoid being debited again for the remaining period already paid on your commitment (a change in your billing preference during your commitment will result in a new immediate debit for the amount of the new plan + billing frequency selected).",https://help.qonto.com/en/articles/4359528-how-to-change-my-qonto-subscription-plan-or-billing-frequency How much do my subscription fees cost?,"At Qonto, we're committed to making our pricing as clear and transparent as possible. If you want to learn more about your fees, you're in the right place! We offer two billing options: Monthly Billing: You can pay your fees every month with no long-term commitment. ​ Annual Payment: Pay for a full year upfront with a 12-month commitment. This option lets you save up to 2 months' worth of fees compared to the monthly billing. It's like getting a discount for your commitment! 🎉 What are the subscription fees? For existing companies (exclusive of taxes) : Basic Smart Premium Essential Business Enterprise Monthly €11 €23 €45 €34 €119 €299 Annual €9 €19 €39 €29 €99 €249 % Discount (on Annual) 18% 17% 13% 15% 17% 17% For companies creation with capital deposit (exclusive of taxes) : 🇫🇷 FRANCE Basic Smart Founders Monthly €69* + €11 €69* + €23 €69* + €34 Annual €169 €289 €399 % Discount (on Annual) 16% 16% 16% * €69 is the capital deposit fee for monthly commitment plans (it is only billed once) Only applicable for Spanish customers : 🇪🇸 SPAIN Basic Smart Founders Annual €115 €225 €335 ☝️ Good to know: Not sure which one to pick yet? For your monthly subscription: Qonto gives you a 30-day free trial with no commitment required . For your annual subscription : Qonto also offers you a 30-day free trial before charging your annual fees . What are the additional fees? At Qonto, there are no transaction fees on top of your subscription cost. Any fees beyond your subscription cover actions such as ordering physical or virtual cards, making SEPA or SWIFT transfers, depositing checks, or adding team members. To find out which actions are included in your monthly plan, click here . And if you're curious about how these additional fees are calculated, you can read all about it in this article . ✌️ Good news! Certain special operations are now part of your monthly plan! By special operations, we mean: Confirmation letters Handling non-sufficient funds or rejected checks Managing irregularities Returning funds due to an issue with a foreign currency transfer We're here to make your financial experience as smooth as possible! How can I access the details of my current subscription? You can get additional information about all Qonto fees by simply clicking on a transaction in your history. And if you'd like to see the details of your charges for the current month, just head over to Settings & Tools > Account settings > Price plan details . 👉 Check out this article for a better understanding of how billing works.",https://help.qonto.com/en/articles/4359671-how-much-do-my-subscription-fees-cost Where can I find the contract I signed when I registered?,"Right after your registration, an email called 'Welcome to Qonto' is sent to you. The commitment between Qonto and the customer is now materialized by the acceptance of our TOS (Terms and Conditions). When registering, the person who opens the account accepts our TOS by checking the acceptance field. ✅ 💡If you don't find this email : please have a look at your spam mailing box check this following section on our website : Legal documents",https://help.qonto.com/en/articles/4359534-where-can-i-find-the-contract-i-signed-when-i-registered How do I get started with my 1-month Smart Plan free trial?,"Learn how to activate your 1-month free trial and make the most of your Smart Plan with a sneak peek at advanced features for bookkeeping, invoicing, automations and more to help you centralize and simplify your financial tasks within Qonto. Am I eligible to a free trial of the Smart Plan? You are eligible to a free trial of the Smart Plan if you are a Qonto customer with a Basic Plan and have never benefited from a Smart Plan free trial before (this offer is valid only once for each account). 💡 Good to know: You are eligible for a free trial after your first 30 free days if you are on a monthly subscription. This offer is not available if you have opted for an annual payment. If you have a Business Creator Pack, you must wait until the end of your annual commitment and opt for a monthly package to be eligible for this offer. How do I activate my Smart Plan free trial? Log into your desktop Qonto account Click on the Settings icon from the left panel Click on the Billing and invoicing section and then on Price plan details tab Click on the Change Plans button Select the M onthly option in the top right corner to see the free trial option Select Try for free under the Smart Plan, and follow instructions Concretely, what changes for me during my Smart Plan free trial? During your free trial of the Smart Plan you will be able to push the limits of your current plan while enjoying new features to help you boost your finances thanks to: ✔️ A business account with more useful features 60 transfers and direct debits per month included in your subscription, or 30 more than you had with your old Solo subscription; two check deposits included; the possibility of creating a second account alongside your main account to manage your finances; as many virtual cards as you wish; SWIFT transfer will be billed 5€ + 0.9% instead of 5€ + 1% with your Solo Basic plan; the possibility of making grouped transfers. ✔️ All you need to simplify your finances a dedicated access for your accountant; forward your receipts by email and automatically matched to your transactions on Qonto; automatic VAT detection; customizable labelling of your transactions; the certification and transfer of all of your proofs-of-purchase; tools to help you manage suppliers (dedicated tabs, customized labels, personalized VAT); 📌 Find out more details about the services, features, and pricing of the Smart subscription here . Will I be charged for the Smart Plan trial? During your 1-month free trial of the Smart plan: You will continue to be charged at the price of your Basic Plan (€11/ month - excl. VAT) but you will be able to enjoy all the features of your new Smart Plan at no extra cost. After the 1-month free trial period has elapsed: You will be able to continue your journey on the Smart Plan (no action needed on your side) at a cost of €23/ month (excl. VAT) or you can choose to resume on your Basic Plan at no extra cost by just cancelling your free trial anytime before the expiry of the 1-month period. 💡 You can check the expiration date of your Smart Plan free trial at anytime from your Qonto account by following this path: Settings > Billing and invoicing > Price plan details. How can I cancel my Smart Plan free trial? You can cancel your Smart Plan free trial at any time during your 1-month period. To do so, follow these easy steps: Log into your desktop Qonto account Click on the Settings icon from the left panel Click on the Billing and invoicing section and then on Price plan details tab Click on the Change Plans button Select the Basic Plan and follow instructions 👉 If you invited your accountant to a view-only access of your Qonto account and/or created a second account, a page will open prompting you to * revoke your accountant's dedicated access; * close your secondary account. You will need to perform these actions before being able to cancel your Smart Plan free trial, since these features are not available in the Basic Plan. These actions need to be taken from your desktop interface, not on mobile - check here for more details about downgrading from your current plan . What happens if I switch to an annual billing plan during my Smart plan free trial? In this case, your subscription free trial will be interrupted, and you will be billed immediately on the annual billing system (for the subscription plan that you selected). If I switch from Annual to Monthly billing, can I still be eligible for Smart plan free trial ? Yes, you will still be able to enjoy the Smart Plan free trial, only if you never used it in the past. Reverting to a Basic Plan after Smart Plan free trial has expired If you didn’t cancel your free trial before its expiry date, you will automatically stay on the Smart Plan and your account will be charged on a pro-rata basis of days left until the end of the month. If you want to revert to a Basic Plan after your free trial has already expired, you can do so from the Price plan details within the Billing and invoicing section of your desktop Qonto account. By doing so, your account will be credited with the fee difference between the Smart Plan and Basic Plan based on a pro-rata of days left until the end of the month. If I didn’t have time to use my free trial can I repeat it for another month? Be mindful that your Smart Plan free trial is only valid once and for a duration of one month. Make sure that you activate it at a time when you will be able to make the most of it! 💡 Not sure where to start? We’ve got you covered, upon starting your free trial and during its 1-month duration, you will be receiving regular e-mails from Qonto to help you discover and get started with your new Smart Plan.",https://help.qonto.com/en/articles/6340529-how-do-i-get-started-with-my-1-month-smart-plan-free-trial Creating team budgets on Qonto,"Only account Owners and Admin roles can create and manage budgets on Qonto. Are you a Manager in charge of a budget? Please check out this article . What is the Budgets feature on Qonto? From the Team Expenses section or Mor e from a phone, you can : Create a budget and assign it to a team Track expenses linked to this budget in real time Entrust the follow-up to a collaborator with the Manager role on Qonto. 👆 Good to know Up to one budget can be created per team. However, it is possible to include two periods of 12 months each in the same budget, which can overlap between the current year and the following year. What's more, a budget can be drawn up to 12 months in advance, offering planning flexibility. The periodicity of this budget can be monthly or global, i.e. covering the entire period in question. How do I create and assign a new budget? Only available from desktop 🖥️ Create and allocate a new budget in just a few clicks: Go to the Team expenses section and click on Budget s Click on Create a budget i n the top right corner Select an existing team and appoint a manager ( Manager role) or create a new team by clicking on Create a team . Define the budget period and enter the total or monthly budget amount. Finally, click on Continue to finalize the creation of your team budget. How to make changes to a Budget after its creation? Available only from a computer 🖥️ You can change the period and amount of your Budget at any time. Go to Team Expenses > Budgets . Click on the Budget you wish to modify, then on Edit budget in the top right-hand corner. Choose a new period or amount. At this stage, you can also add a new budget period. Finalize your changes by clicking on Save . 👆 Good to know It is not possible to change the budget frequency (from monthly to global or from global to monthly). If you wish to do so, you must delete the current budget and create a new one with the new frequency. You must also manually reallocate expenses already incurred by your team to the new budget, if necessary. How do I archive a budget after it has been created? Only available from a computer 🖥️ From the Team Expenses > Budgets section, click on the Budget you wish to archive. Click on Archive in the top right-hand corner. 👆 Good to know Archiving a budget is a permanent action. All data relating to this budget cannot be retrieved once the budget has been archived. How to manually reallocate a transaction to another or no budget? Each individual transaction can be assigned to a budget after expenditure or reallocated from one budget to another. Go to the Business account section > Transactions Click on the transaction you wish to assign or reassign. In the transaction details, go to the Budget section and choose the corresponding budget. 👆 Good to know Only Account Holders or Admin roles can assign or reassign a transaction to any budget. Managers can only reassign transactions to budgets to which they have been previously assigned. How does the real-time tracking of team expenses work? As soon as a team member makes a transaction with his or her Qonto card or via a transfer, the expense is automatically deducted from the team's budget. You can view a budget's transactions and the remaining allocated amount simply by clicking on the corresponding budget in the Budget section . You can then browse by period for further details. Our tips for getting the most out of Budgets on Qonto Keep in touch Communicate effectively with your teams. Keep them informed of their budget's progress and get them actively involved in managing your company's finances. Delegate with the Manager role Rely on the Manager role. Allocate a budget and then entrust its monitoring to a team leader or trusted colleague. You stay in control, without the administrative hassle that slows you down. Analyze your expenses in depth With real-time Budget tracking on Qonto, keep an eye on your spending, trends, and areas where you could optimize costs. So that your future budgets are as accurate and realistic as possible.",https://help.qonto.com/en/articles/8173559-creating-team-budgets-on-qonto What do the two graphs ‘Inflows by’ and ‘Outflows by’ in my dashboard represent?,"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?",https://help.qonto.com/en/articles/6121261-what-do-the-two-graphs-inflows-by-and-outflows-by-in-my-dashboard-represent Managing Your Team's Budget on Qonto,"What is my role as a Manager in the Budgets feature on Qonto? As a Manager, you're given the responsibility of overseeing a specific budget assigned to your team by the account owner. Your role is to ensure that the team stays within the budget while making necessary business transactions. How do I access the Budgets feature? You can access the Budgets feature from the Team Expenses section via the web application and from the “ More” section on your phone. However, please note that only the budgets assigned to you by the account owner will be visible. How do I monitor my team's expenses? The Budgets feature provides real-time updates on your team's expenses. Each time a team member makes a transaction using their Qonto card, the expense is automatically deducted from the team's budget. You can view these transactions and the remaining budget in the Budgets section. How are my team’s transactions allocated to a budget? Once a budget has been created for a given team, the following transactions will automatically be assigned to a budget: Transfer initiated by a member of the team Qonto card payment made by a member of the team Expense reimbursement requested by a member of the team Each transaction will be allocated to the budget period corresponding to when the transaction has been successfully executed. Note that transactions can be manually reallocated to budgets a posteriori. How to manually reallocate a transaction to another or no budget? As a Manager, you are only given permission to track and manage the budget assigned to the team you belong to . Thus, you can manually reallocate individual transactions or remove them from any of your budgets by navigating to transaction details on the Transactions sections. To do this, select the transaction you wish to reallocate. Then, dive deeper into the transaction details and go to the budget section. From there, you can select the new budget you want to associate with this transaction. You can check this article on what can do the owner & admins regarding reallocation. Can I adjust the team's budget? As a Manager, you cannot adjust the budget directly. Only the account owner and admins have the authority to create and adjust budgets. If you believe the budget needs to be increased or decreased, please discuss this with the account owner or admins in charge of Finance in your company 👍 What should I do if our team is close to exceeding the budget? If your team is close to exceeding its budget, it's crucial to communicate this with your team members. Encourage mindful spending and review the necessity of upcoming expenses. If necessary, discuss with the account owner about adjusting the budget. But don’t worry, in any case reaching your budget limit or exceeding it will block future payments. How can I effectively manage the assigned budget? Here are some tips for effectively managing your team's budget: Regularly monitor expenses: Keep an eye on your team's spending habits and ensure that all transactions are necessary and align with business objectives. Communicate effectively: Keep your team informed about the budget status and encourage responsible spending. Plan ahead: Anticipate large expenses and plan them into your budget to avoid surprises. Discuss budget changes: If you believe the budget needs to be adjusted, don't hesitate to communicate this to the account owner or CFO. Stay Alert with Notifications: By default, budget owners receive push notifications and emails: When spending reaches 80% of the budgeted amount. When spending hits 100% of the budgeted amount. These notification settings can be customized within the Qonto application's settings. Staying alert with notifications can help you take timely actions and manage your budget more effectively.",https://help.qonto.com/en/articles/8174032-managing-your-team-s-budget-on-qonto What does the 'Cash Flow' graph on my dashboard represent?,"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?",https://help.qonto.com/en/articles/6121213-what-does-the-cash-flow-graph-on-my-dashboard-represent How can I manage my cash flow in Qonto?,"You can track your cash flow in your web application, by clicking on Cash flow management on the left hand side navigation, and then click on Dashboard . Or on your mobile app, by tapping on the More section at the bottom right of your screen, and then on Dashboard . 💡Good to know : Dashboards do not compute receivables/payables for now. Track your cash flows at a glance Your dashboard gives a clear view of your financial flows over time. It allows you to answer questions such as: Should I diversify my customer base? Are my expenses sufficiently optimized? The Qonto dashboard shows you: Your available balance: the available cash on your account Your cash flow: the difference between your inflows and outflows Your inflows: the list of your cash inflows Your outflows: the list of your expenses Your cash flow: the evolution of your cash inflows and outflows over time. This is where you can, for example : Know how much cash you have in your account, and whether it is reasonable to buy new equipment Observe the effect of seasonality on your business Estimate your VAT, in order to save the amount owed to tax authorities Detect expenses you could avoid Understand your cash flows by categorizing your transactions Are you wondering which type of transportation costs you the most? Which customer you most depend on? What your main costs are? In which city you make the most profit? To find out, it is important to categorize each of your incoming and outgoing flows. Why? Because once categorized, each transaction can be identified, and filtered. If a transaction has a ""Facebook Advertising"" label, then it is an expense made in the context of a communications campaign on socials. You can use different types of categorization: Custom labels If you have a Smart, Premium, Essential, Business or Enterprise plan, you can create your own custom label categories, and its associated labels. A label category could be ""Transportation"", with labels like ""Train"", ""Plane"" and ""Taxi"". If you haven't created your analytic labels categories yet, learn more here . Categories Categories are the simplified, predefined version of labels and are available for all Qonto plans. Unlike labels, which are fully customizable and available to all plans except Basic, categories are predefined. They allow to identify transactions, with ""Food"" or ""Insurance"" for example. 👆 Good to know : Categories are automatically added to every transaction made by card. You can manually specify them when you add a beneficiary in the case of making a transfer. Finally, you can manually categorize your transactions (except subscriptions) in the Transactions page of your Qonto app as you go. Thanks to the analytic labels and categories, these two graphs, the first for inflows, the second for outflows, allow you to make informed decisions. They are there to help you visualize and compare your items, for each of your categories. Each time you categorize a new transaction, your charts update. It is best practice to categorize each new transaction to ensure that your visualization is always up to date and you can make efficient, data-driven decisions.",https://help.qonto.com/en/articles/6166515-how-can-i-manage-my-cash-flow-in-qonto How to calculate the net treasury of a company?,"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.",https://help.qonto.com/en/articles/6133515-how-to-calculate-the-net-treasury-of-a-company What do the four indicators in my dashboard represent?,"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?",https://help.qonto.com/en/articles/6121194-what-do-the-four-indicators-in-my-dashboard-represent Why can’t I create multiple accounts?,"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?",https://help.qonto.com/en/articles/4819435-why-can-t-i-create-multiple-accounts What is a company's treasury?,"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).",https://help.qonto.com/en/articles/6133505-what-is-a-company-s-treasury What are the basics for managing my dashboard?,"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?",https://help.qonto.com/en/articles/6120948-what-are-the-basics-for-managing-my-dashboard How to customize the shortcuts on the mobile app?,"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.",https://help.qonto.com/en/articles/9166800-how-to-customize-the-shortcuts-on-the-mobile-app What are multiple accounts?,"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?",https://help.qonto.com/en/articles/4560206-what-are-multiple-accounts How do I apply my promotional code?,"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. 🎉",https://help.qonto.com/en/articles/4460395-how-do-i-apply-my-promotional-code Are Qonto accounts subject to stamp duty?,"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.",https://help.qonto.com/en/articles/4359645-are-qonto-accounts-subject-to-stamp-duty How can I rename my Qonto current account?,"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?",https://help.qonto.com/en/articles/4560433-how-can-i-rename-my-qonto-current-account How to close my Qonto account?,"🖥️ 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.",https://help.qonto.com/en/articles/4359657-how-to-close-my-qonto-account Can I pay my taxes with Qonto?,"🇪🇸 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)",https://help.qonto.com/en/articles/5020651-can-i-pay-my-taxes-with-qonto Can I pay a postal bulletin with Qonto?,"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.",https://help.qonto.com/en/articles/4359646-can-i-pay-a-postal-bulletin-with-qonto Is it possible to set up an EBICS contract with Qonto?,"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.",https://help.qonto.com/en/articles/5810691-is-it-possible-to-set-up-an-ebics-contract-with-qonto Can I use crypto money with my Qonto account?,"With a Qonto account, buying and selling crypto-assets (such as bitcoin or ethereum) is possible but regulated. Indeed, we do not accept all transactions. Widen your investment possibilities to make your cash surplus grow safely with our Qonto x Coinhouse offer. Check out the article about our Qonto x Coinhouse offer 👉 here , only available for French customers. What is a crypto-currency? Crypto-currencies are assets that are exchanged on a peer-to-peer (P2P) model with no intervention of a third party like a bank for example. They are fully digital and are not regulated by a central institution like the European Central Bank for example. Those new electronic currencies use blockchain technology to transfer the ownership of crypto-currencies between owners. What is the applicable regulation for crypto-currencies? France implemented a legal framework to regulate crypto-currencies through a law called “Loi Pacte”: investing in crypto-assets is therefore legal for a company. Only a few of crypto-asset providers as our partner Coinhouse are certified as Digital Asset Service Provider (DASP). This licence is delivered by Autorité des Marchés Financiers (AMF) and certifies the strict compliance with the Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT) regulation. Which transactions are accepted? As a Qonto customer, it is possible for you to invest part of your cash in crypto-assets. ✌️ There are only two conditions that must be respected: Transaction volumes are limited and consistent with the nature of your business; You can justify the origin of the funds invested and the purpose of the transactions - Qonto may ask you for supporting documents (e.g. transaction statements, invoices, wallet history, ...) and additional explanations. ⚠️ In respect of our risk policy, Qonto reserves the right to block transactions to providers representing high compliance risk. This is particularly the case for actors on the blacklist maintained by the AMF in case of warning and/or impersonation of a regulated provider. Thus, in view of the above, Qonto may also be forced to terminate the business relationship within 30 days, if we consider that the flows are too large, the origin of the funds or the purpose of the transactions are uncertain, or the use of your account is non-compliant. What to check before investing in crypto-currencies? We would like to draw your attention to the following points: The potentially volatile and risky nature of investments in crypto-assets, particularly for clients who are not sufficiently informed; The location of the actors with whom you intend to operate, who must be domiciled in the United States, Germany, Italy, Spain, the United Kingdom or France; The status of the counterparts, which may be subject to authorisation or registration. For example, actors in France must register as digital asset service providers (PSAN) with the Autorité des marchés financiers (AMF) when they provide services of: Custody of crypto-assets or access to crypto-assets ; Purchase/sale of crypto-assets against legal tender; Exchanging crypto-assets for other crypto-assets; and Operating a crypto-asset trading platform.",https://help.qonto.com/en/articles/5103523-can-i-use-crypto-money-with-my-qonto-account How do I retrieve data from my historical Treezor account?,"👉 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?",https://help.qonto.com/en/articles/5682637-how-do-i-retrieve-data-from-my-historical-treezor-account How to get an Electronic Payment Terminal linked (EPT) to my Qonto account?,"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.",https://help.qonto.com/en/articles/4914708-how-to-get-an-electronic-payment-terminal-linked-ept-to-my-qonto-account Where do I find my statements?,"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.",https://help.qonto.com/en/articles/4359625-where-do-i-find-my-statements How can I have better visibility on missing receipts?,"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.",https://help.qonto.com/en/articles/6538871-how-can-i-have-better-visibility-on-missing-receipts What is an IBAN?,"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!",https://help.qonto.com/en/articles/4359641-what-is-an-iban How can I have a local IBAN if I already have a Qonto account with a French IBAN?,"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.",https://help.qonto.com/en/articles/4359642-how-can-i-have-a-local-iban-if-i-already-have-a-qonto-account-with-a-french-iban How can I customize the notifications I receive from Qonto?,"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.",https://help.qonto.com/en/articles/4359658-how-can-i-customize-the-notifications-i-receive-from-qonto How can I manage receipts reminders?,"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.",https://help.qonto.com/en/articles/6538893-how-can-i-manage-receipts-reminders Can my Qonto account be overdrawn?,"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.",https://help.qonto.com/en/articles/4359620-can-my-qonto-account-be-overdrawn Where can I download my bank details?,"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 .",https://help.qonto.com/en/articles/4359622-where-can-i-download-my-bank-details "What transfers can the Manager role make, approve or edit and how to set them?","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 .",https://help.qonto.com/en/articles/6778264-what-transfers-can-the-manager-role-make-approve-or-edit-and-how-to-set-them What documents do I have available on Qonto?,"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.",https://help.qonto.com/en/articles/7128393-what-documents-do-i-have-available-on-qonto How do I connect Qonto to my accounting or treasury tool via EBICS?,"🇫🇷 This feature is only available for France and for Business and Enterprise plan. Thanks to the EBICS connection, you can now integrate Qonto with your favourite accounting and treasury tools. With this connection, you can: Retrieve your Qonto bank statements automatically in your accounting or treasury software. You will receive bank statements for each IBAN associated with your Qonto account. Initiate payments from your accounting or treasury software, in Qonto. You can maintain the payment validation workflows already set up in your ERP, and send payments once they’ve been approved to Qonto. Payments can be sent individually, or in bulk. As added security, an Owner, Admin or Manager with transfer permissions activated, on your account, will still need to log into Qonto to approve the payment. Please note, the EBICS connection does not support SDD. For more information on what EBICS is, and how you can use them, read this article: Is it possible to set up an EBICS contract with Qonto ? What information isn’t transmitted between Qonto and my ERP or TMS? The EBICS connection only transfers bank statements. It does not share the following data with your ERP or TMS: Labels on transactions Documents needed for the Purchase Journal, such as receipts and invoices. Learn more about how to export receipts here . What roles on Qonto can use the EBICS connection? The EBICS connection can only be set up by any Owner, Admin, or Accountant on Qonto. If the connection is set up to initiate payments in Qonto, then any Manager with transfer permissions in Qonto will also be able to validate the request. Using what devices? The integration can only be set up on desktop. What file formats do you allow with your EBICS connection? V3.0 Bank statements in MT940 service name: EOP msg name: mt940 Bank statement in CFONB-120 service name: EOP msg name: cfonb120 SEPA transfers service name: SCT msg name: pain.001 V2.4 Bank statements in MT940 file format: camt.fin.mt940.stm Bank statements in CFONB-120 file format: camt.xxx.cfonb120.stm SEPA transfers file formats: pain.001.001.02.SCT or pain.001.001.03.sct What are the steps to complete the EBICS setup? Log into your account, and head to the Connect section. Search for the tool with which you want to set up an EBICS connection. Click Connect at the top right of the page, and Finish to begin the configuration process. Within 24h, you’ll receive a Notice of Configuration from Qonto, via email. This letter contains all the information you’ll need to configure your EBICS connection with Qonto in your ERP/TMS. Using the information in the letter, log into your ERP/TMS and configure your EBICS connection. Follow the steps listed, and generate three certificates: Authentification, Encryption, and Signature. If you don’t know how to generate these certificates, contact the integrator you work with from your ERP or TMS. If you don’t have an integrator, you can find a list of integrators with whom we partner on the listing page in Connect. Send these certificates back to Qonto by responding to the email you received with the Letter of Configuration, and attaching them. Note: We will not be able to proceed with the EBICS configuration without these certificates. Once received, we’ll validate the certificates sent, and email you a confirmation of validation. This email will contain the hashes of our bank certificates, in case you need that to finalize the setup in your ERP/TMS. 👆 You’re all set. You’ll be able to access your account statements and/or initiate payments in Qonto from your ERP/TMS within 24 hours of completing the final step. I don’t see my ERP or TMS listed in Qonto Connect. What do I do? If your tool isn’t listed, you can still set up an EBICS connection by using this link instead. How can I disconnect my ERP from Qonto’s EBICS integration, and what happens then? Disconnecting EBICS: There are a few way to disconnect the EBICS connection between your ERP and Qonto. From Qonto’s Connect section , search for your ERP or treasury tool, and simply click “Disconnect.” Close the EBICS connection from your ERP or treasury tool . You can also disconnect your EBICS connection by downgrading your Qonto account . If you downgrade from the Enterprise plan to the Business plan, you will lose up to 2 EBICS connections. We will be in touch to determine which of the integrations you would like to maintain. If you downgrade from Business to any plan Essential or below, you will lose access to the one EBICS connection set up. What happens after I have disconnected the EBICS integration? Your bank statements won't be created and sent to our EBICS server anymore. This implies they won't be automatically accessible in your ERP or treasury software. Additionally, you won't be able to initiate payments from your software within Qonto. If you wish to reconnect, you'll need to repeat the initial process. Visit Qonto's Connect section, locate your ERP or treasury tool, click ""Connect,"" and follow the steps shown to set up the connection again.",https://help.qonto.com/en/articles/8020799-how-do-i-connect-qonto-to-my-accounting-or-treasury-tool-via-ebics How does dark mode work?,"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",https://help.qonto.com/en/articles/7325489-how-does-dark-mode-work Can I make a cash deposit with Qonto?,"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.",https://help.qonto.com/en/articles/6155496-can-i-make-a-cash-deposit-with-qonto Can I get a checkbook or a bank check?,"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 .",https://help.qonto.com/en/articles/5756758-can-i-get-a-checkbook-or-a-bank-check "How can I cash-in a check above €15,000?","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.",https://help.qonto.com/en/articles/5259491-how-can-i-cash-in-a-check-above-15-000 When will my check be credited?,"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?",https://help.qonto.com/en/articles/6078316-when-will-my-check-be-credited Why was my check rejected?,"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?",https://help.qonto.com/en/articles/6078224-why-was-my-check-rejected How much is charged for cashing a check?,"🇫🇷 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:",https://help.qonto.com/en/articles/4359558-how-much-is-charged-for-cashing-a-check How to deposit a check?,"🇫🇷 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?",https://help.qonto.com/en/articles/4359557-how-to-deposit-a-check What is the FNCI and how does it work?,"🇫🇷 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.",https://help.qonto.com/en/articles/7266764-what-is-the-fnci-and-how-does-it-work Can I have a LCR letter?,"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:",https://help.qonto.com/en/articles/5025604-can-i-have-a-lcr-letter Why was this SEPA Direct Debit refunded?,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.,https://help.qonto.com/en/articles/4359686-why-was-this-sepa-direct-debit-refunded Can I set up a Distance Selling Contract (VAD)?,"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.",https://help.qonto.com/en/articles/5028410-can-i-set-up-a-distance-selling-contract-vad How can I dispute a direct debit?,"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.",https://help.qonto.com/en/articles/4474117-how-can-i-dispute-a-direct-debit How to set up Direct Debit for my customers?,"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).",https://help.qonto.com/en/articles/4742428-how-to-set-up-direct-debit-for-my-customers How can I suspend a Direct Debit?,"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.",https://help.qonto.com/en/articles/4359553-how-can-i-suspend-a-direct-debit How to upload a SDD mandate on your mobile App?📲,"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.",https://help.qonto.com/en/articles/8317099-how-to-upload-a-sdd-mandate-on-your-mobile-app How to modify a SEPA mandate B2B?,"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.",https://help.qonto.com/en/articles/4359556-how-to-modify-a-sepa-mandate-b2b Why was this SEPA Direct Debit declined?,"SEPA Direct Debits may be rejected for different reasons: If your balance is running low : top up your account If the direct debit request has been sent less than 48 working hours before the debit date If your Qonto account isn’t validated : upload your B2B mandate If the B2B SEPA Direct Debit mandate is incorrect or hasn’t been correctly uploaded on Qonto : create a new B2B mandate ☝️ Good to know: the direct debit remains pending 48 working hours to give you time to fix the situation. How to modify a B2B mandate? Some tips to avoid rejection fees and unpleasant surprises Keep an eye on your account by downloading Qonto iOS or Android App! By checking your balance daily you can say goodbye to bad surprises. Also, make sure that the creditor information entered is correct and that you have successfully filed the SEPA Direct Debit mandate in your Qonto interface. If your direct debit has been declined, we advise you to contact the beneficiary to find a solution: initiate a transfer / represent a direct debit If you think that all the information were correctly settled for your direct debit to be accepted, do not hesitate to contact us: 💬 We encourage you to contact us by chat by logging into your Qonto space, but you can call us as well on our hotline. 💌 Send us a Private message on Facebook or Twitter",https://help.qonto.com/en/articles/4469274-why-was-this-sepa-direct-debit-declined How to register a SEPA mandate?,"From your Qonto mobile app 📲 SEPA B2B direct debits Complete and sign the B2B mandate provided by the creditor Log in to your Qonto mobile application and click on Outgoing direct debits in the Menu section Click on the + button to download the mandate Take a photo of the money order or select it from your photo library or other folder Enter the details of the mandate: the Unique Mandate Reference (RUM), Your SEPA Creditor Identifier (ICS) and the payment frequency (one-off or recurring) Validate the mandate Please note, an inter-company SEPA direct debit cannot be contested after its execution. 💡If you have configured strong authentication on your account, you will receive a confirmation request on your associated phone. From your web application 💻 SEPA B2B direct debits Sign the B2B direct debit mandate provided by the creditor Log in to your Qonto account from your computer and add it to the Outgoing Direct Debits section of the Pro Account section. Enter the mandate information: the Unique Mandate Reference (RUM), the SEPA Creditor Identifier (ICS) and the type of payment (single or recurring) Please note, an inter-company SEPA direct debit cannot be contested after its execution. 💡If you have configured Strong Authentication on your account, you will receive a confirmation request on your associated phone. SEPA Core direct debits You don't have to do anything on your Qonto Account! All you need to do is provide your Qonto bank details to your creditor. You can download them at any time from your account. The creditor will be authorized to debit your account. You can dispute a SEPA Core direct debit if the amount that appeared in your account history appears to be incorrect.",https://help.qonto.com/en/articles/8484961-how-to-register-a-sepa-mandate What's a mandate and how to get it?,"What’s a SEPA mandate? A mandate is a document that you fill in to authorize the merchant to send instructions to debit your account. Several information have to be mentioned in this document : The title “SEPA Direct Debit Mandate”. The SCI (SEPA Creditor Identifier): it’s a number given to any merchant that is making SEPA direct debits. Merchant information: address, legal name or commercial name if different. The UMR (Unique Mandate Reference): it’s a code that identifies SEPA direct debits. 💡 A merchant has one SCI but multiple UMR. For example: You pay your Internet and mobile subscriptions to one provider. The provider has one SCI but it will debit your account with two different UMR, one linked to your mobile contract and the other to your internet contract. The legal mentions. How to get your mandate? B2B mandate You can download the B2B mandate from your professional account on the public authority website. For example, if you need to download a DGFiP mandate, you can log into your account here. The pre-filled B2B mandate is available under the section Manage my bank accounts ​ Core mandate They usually send it to you while you're subscribing. You just need to sign the form. You don’t need to upload the core mandate on your Qonto account.",https://help.qonto.com/en/articles/8041885-what-s-a-mandate-and-how-to-get-it How to upload a SDD mandate on your web App?,"SEPA B2B Direct Debits Sign the SEPA Direct debit B2B mandate provided by the creditor Log into your Qonto desktop App and upload it into the Direct debits section of your Business Account tab Complete the mandate information: the Unique Mandate Reference (RUM), Your Creditor SEPA Identifier (ICS) and Direct debit type (one-time or recurring) A SEPA Direct debit B2B cannot be disputed once executed. 💡If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone. ​ 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. ​ You can suspend or reactivate a direct debit at any time.",https://help.qonto.com/en/articles/6761793-how-to-upload-a-sdd-mandate-on-your-web-app How do SEPA Direct Debits work?,"The SEPA Direct Debit is a European payment system. It allows companies to settle and receive payments in European currencies from bank accounts domiciled within the 34 states of the SEPA zone and related areas. There are two types of Direct debits : SEPA Core Direct Debits are the most common. All you need to do is to provide your Qonto bank details to your creditor. Access this information anytime from the Direct debits section of your account. The creditor will be allowed to debit your account– you have nothing else to do! ☝️You can dispute a SEPA Core Direct debit if the amount that appeared in your account history seems to be wrong. SEPA Direct Debits B2B are mainly used by public institutions (DGFIP, URSSAF, SIE ...). To authorise the direct debit of a B2B mandate, you'll have to upload the information on your Qonto account. How do I keep a mandate active If I have switched from my old bank account to my new Qonto account? If you have switched bank account and you now hold a new Qonto account, you need to make sure to “move” your mandates. First you have to inform you payees about the new IBAN so they can change their orders, for this you can download and fill in the certificate below with the new details and send it to all your payees in order to allow them to proceed with the data transfer. For CORE mandates that should be enough, but for B2B your payee needs to deliver a new Mandate version and that’s the one you need to upload in your Qonto app. Bank account details for bank account Switch - Sepa Direct Debits (SDD)",https://help.qonto.com/en/articles/4359570-how-do-sepa-direct-debits-work How to approve a transfer request?,"For Business and Enterprise plan users , our Requests feature allows team members to initiate transfer requests on behalf of an Admin or Manager, who is notified and can approve or reject a demand in just a few clicks. This feature allows managers to stay in control of their company finances while giving more freedom to their team. How to approve a transfer request in Qonto? Log in to your Qonto app, from your desktop or your mobile Go to the Team Expenses tab in the main menu, then in the Request section. Once your team sent you a transfer request, the transaction remains in the Pending tab, waiting for your validation. Select a transfer request by clicking on it. You can now verify the transfer details. Approve or decline the transfer request accordingly. Buttons are displayed at the bottom of your screen. (NB: for the Manager role, the validation of this request will only be possible if the amount of the transfer does not exceed the limit per transfer / monthly limit defined by the Account holder or an Administrator) You’ll be able to comment on your decision if you choose to reject a transfer request. 💡 If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone",https://help.qonto.com/en/articles/4359560-how-to-approve-a-transfer-request How to cancel a transfer request ?,"For Business and Enterprise plan users , our Requests feature allows team members to initiate transfer requests on behalf of an Admin or Manager, who is notified and can approve or reject a demand in just a few clicks. If you want to cancel a scheduled transfer , go to the Transfers section of your Qonto app in the Business Account menu, click on the transfer to cancel, and then on Edit transfer . You will delete it by clicking on Delete transfer (at the bottom left of the page). When you want to cancel a transfer that is not planned and the request is still pending , you can quickly cancel it from the History section. Simply click on Cancel this transfer in the transaction details. Who can cancel a validated transfer request? Only the Admin of an organisation or the Manager of your team has the possibility to cancel a transfer. Have you made a transfer request which has been validated by your account Admin or Manager? If you want to request the cancellation of this transfer, contact your Admin or Manager, as soon as possible. I can't cancel a transfer request, why? In the cases listed below, transfers cannot be canceled from your app: From Qonto to Qonto Have you made a transfer to another Qonto account? This is an intra-bank transfer. They are free, unlimited and instantaneous. In fact, you do not have the possibility to cancel them from the interface. In case of error, we advise you to contact the beneficiary to request a refund or to contact us directly. The funds are already gone You have made a transfer to a bank other than Qonto and the Cancel transfer button is no longer available on your interface? You cannot cancel interbank transfers that are already in progress or those whose funds have already been transferred to the beneficiary's account. In case of error, we advise you to contact the beneficiary directly to request a refund. SWIFT transfers You can't cancel a SWIFT transfer. In case of problems, we advise you to contact the beneficiary to request a refund. ☝️ Good to know: Take a look at the different transfer status by clicking here . It can provide complementary information that could be useful in some cases.",https://help.qonto.com/en/articles/4359559-how-to-cancel-a-transfer-request Can an employee make a SWIFT transfer request ?,"Available to Business and Enterprise plan users , the Requests feature allows you to delegate the initiation of SEPA transfers to team members, while keeping their systematic validation by an Admin or Manager. ​ This validation system allows you to keep control of your company's expenses while giving greater autonomy to your employees. ​ However, at this time, user with an Employee role cannot make SWIFT transfer requests, i.e. transfers in foreign currency. This action is currently restricted to the Account holder, Admins and Managers.",https://help.qonto.com/en/articles/5028448-can-an-employee-make-a-swift-transfer-request How to submit a transfer request?,"For Business and Enterprise plan users , our Requests feature allows team members to initiate only SEPA transfer requests on behalf of an Admin or Manager, who are notified and can approve or reject a demand in just a few clicks . To submit a transfer request in euros, you need to fill all required information in the ""Transfers"" tab in the “Business account” of the main menu. Then click on the "" Make a transfer"" button on the top right side of your screen. You will have 2 choices : 1- Upload an invoice If you have an invoice, upload it right now! The system will gather information on the invoice whenever it is possible (beneficiary / iban, amount, reference), You will be able to modify any field, the account to debit, schedule a recurrence, send notification to the beneficiary, add bookeeping details. 2- I don’t have an invoice / Add transfer details If you don’t have an invoice, follow this steps: Go to SEPA transfers in euros Choose or add a new beneficiary Enter the information needed (account to debit / amount / category / reference) Scheduling and recurrence allows you to define the date you want the transfer to be emitted, or choose a frequency if you wish to make it recurring Attachment , if you want to add a supporting document to your transfer, or in case the amount exceeds 30,000 euros Beneficiary notification , in case you want us to send an email to the beneficiary with transfer details Bookkeeping details , which allows you to define beneficiary VAT rate, custom labels in case you have it in your price plan, and a note to remember what this transfer is about Once you submit a transfer request, Admins and Managers will be notified by email and push notification. ​ Managers with the Whole company scope will also be able to make or initiate transfer requests to pay invoices in the Supplier Invoice section. As soon as one of the Admins or Managers approves your pending request , it will be validated and executed the next morning. You will then be notified of the correct execution of your transfer by email. ​ In case of a change of plan or error, you can also cancel a transfer request (until your requests is approved by an Admin or Manager). NB: Managers can only validate a transfer request only if it is within its monthly/per transfer limit, previously set by the Account Holder or an Administrator. 💡 If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone.",https://help.qonto.com/en/articles/4359561-how-to-submit-a-transfer-request Can I import multiple beneficiaries at once to make a bulk transfer?,"Importing beneficiaries in batch is a convenient feature when changing from a bank to another. Qonto allows importing up to 400 beneficiaries at the same time. How does it work? Download the following empty CSV file: qonto_import_beneficiaries_empty.csv Fill the CSV file with your beneficiaries, using Microsoft Excel or any other spreadsheet editor (Do not modify the first row) Open the file in the Qonto application Go to the Business account tab of your Qonto space Access the Transfers section Click the black + Make a transfer icon in the upper right corner of your screen Access the SEPA bulk transfers in euros section To add multiple beneficiaries at once, import a .CSV file Check the imported data and validate ⚠️ I get an error when uploading my file, what should I do ? Your file has to include the 3 columns below , separated by a semicolon (;). If it doesn't, you will get an error. (Please note that the file is in English, so it is not possible to modify or translate the column titles) NAME IBAN EMAIL DO NOT CHANGE THE COLUMNS NAME If it is correct, your file should like one of those two examples, don't forget to export into CSV type : ☝️ depending on the spreadsheet editor you have, you will have to fill either the 3 datas in every in 3 different columns either fill the 3 datas in one column separated by a semicolon (;) . (see examples) Regarding the values, only the following columns have to be filled in NAME, IBAN. The value for ""EMAIL"" can remain blank, it is optional. IBAN data must comply with the right format. In case of error, the confirmation screen will highlight beneficiaries for whom the parameter is wrong, so you get a chance to fix them. As soon as the information will be modified, you will be able to validate the export of your beneficiary list. NB: it's not possible for now to put in the files non-sepa accounts.",https://help.qonto.com/en/articles/4359572-can-i-import-multiple-beneficiaries-at-once-to-make-a-bulk-transfer How to generate a bulk transfer using a .XML file?,"You can initiate up to 400 transfers at once by uploading a .XML file that respects the ISO 20022 standard in your Qonto app. The documentation of this standard is downloadable at the end of this article. Most of the payments and accounting services (as PayFit) can automatically provide .XML files. To initiate a group transfer using a .XML file, simply follow the following steps. 1 - Create a new bulk transfer On the left-hand side of your screen, click on Business Accoun t section on your desktop webapp then on the Transfers tab. Choose the Bulk transfer in Euros option. 2 - Select the .XML format To initiate a bulk transfer, you can choose 2 different file formats: the .CSV one, or the .XML one. Just click on the .XML file box. 3 - Upload your .XML file once completed Once you downloaded the .XML file from your payment or accounting tool, you can upload it in your Qonto app. You can drag & drop your file or click on the drag & drop zone to select it from your computer. If the format is correct, this zone turns green. If not, it goes red. Here are the common errors you can do: your file contains more than 400 transfers, there is a missing field, your file contains one or several operations that are not in Euros, your file contains one or several IBAN that are not part of the SEPA zone, the beneficiary name or the reference is too long, forget the row with column names, you have to top-up your account before proceeding. 4 - Plan and organize your transfers You can schedule your transfers and organize them in categories if necessary. 5 - Verify and confirm Once you uploaded your .XML file on your app, you just have to check each transfer that appeared on the bottom of your screen. If everything's right, you can confirm your bulk transfer. If you realize there is a mistake after confirming it, do not worry: you can cancel a single transfer by going back to the Transfers section of your app and clicking on the right one. All the beneficiaries are then automatically saved in your beneficiary list. XML_template.xml 💡 If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone.",https://help.qonto.com/en/articles/4359551-how-to-generate-a-bulk-transfer-using-a-xml-file What is a bulk transfer?,"A bulk transfer allows you to schedule up to 400 transfers at once from your desktop. No need to initiate these transfers one by one anymore: for example, you can pay all your suppliers at the end of the week, or all your employees at the end of the month, in a few clicks. 💡Good to know: Sending instant transfers does not concern bulk transfers. You just have to group all your payments in one file. You can choose one of those two formats: the .XML one, or the .CSV one. The .XML format allows you to export your list of transfers directly from your accounting or payment tool, like PayFit. The full process is explained in this article . Using .CSV format, you just need a simple Excel table to create your file and upload it on your Qonto app. However, you have to follow the template we created for you. You can download it at the end of this article, or directly from your app. 💡 This feature is available only from the Solo Smart Plan.",https://help.qonto.com/en/articles/4359549-what-is-a-bulk-transfer How to generate a bulk transfer using a .CSV file?,"You can initiate up to 400 transfers at once by uploading a .CSV file in your Qonto app. You will find a downloadable template at the end of this article. You can export a .CSV file from a simple Excel table. 💡 However, please ensure that your file includes these columns: beneficiary_name,iban,amount,currency,reference. They're all necessary for the execution of the transfer. To initiate a bulk transfer using a .CSV file, simply follow these steps : 1. On the left-hand side of your screen, click on Business Account section on your desktop webapp 2. Click on the Transfers tab 3. Choose the Bulk transfer in Euros option. 4. Click on the .CSV file box to chose CSV format 5. Download the . CSV template we prepared for you and complete it, making sure that you respect the following formats: Column Description Example beneficiary_name Name of the receiver of your payment. Maximum 140 characters. Supplier 1 iban Must be part of the SEPA scheme. FR76 0000 0000 0000 0000 0000 000 amount The amount you send to the beneficiary. Includes 2 decimals. 123.45 currency As of today, we only accept Euro transfers. EUR reference The note attached to the transfer. Up to 140 characters maximum. Invoice 123 6. Upload it to your Qonto app. You can drag & drop your file or click on the drag & drop zone to select it from your computer. 💡 If the format is incorrect, a red window will appear. 7. You can schedule your transfers and organize them in categories if necessary. 8. Check each transfer that appears at the bottom of your screen ; if everything's right, you can confirm your bulk transfer. 💡 If you realize there is a mistake after confirming it, do not worry: you can cancel a single transfer by going back to the Transfers section of your app and clicking on the right one. All the beneficiaries are then automatically saved in your beneficiary list. 💡 If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone. ⚠️ Make sure that: your file contains less than 400 transactions there is no missing field your file only contains operations in EUR your file does not contain an IBAN outside the SEPA scheme the beneficiary name or the reference are not too long your file does not contain any special characters (é, è, ¨, ^....) your account has been topped up before proceeding you do not invert any columns of your file, and respect the template downloaded ☝️ Depending on the accountant software you use, all your data can appear in one tab. You will need to separate each of them in several columns. If you are using Excel: Select the column with the data then go on the menu ➡️ Data ➡️ Convert Choose “delimited” Then specify the type of separation between each data (space, comma or other) Select the columns where the data should be moved Click on “finish” and it’s done ! If you are using Google sheets: Select the relevant column then click on the ➡️ Data tab ➡️ Split text into columns Choose the type of separation between each data (space, comma or other) Select the columns where the data should be put Hit “Enter” and voila!",https://help.qonto.com/en/articles/4359550-how-to-generate-a-bulk-transfer-using-a-csv-file How much does receiving a SWIFT transfer cost?,"Qonto is among the first business accounts to add receiving SWIFT transfers to its service portfolio. 🎉 We’re thrilled to support you as you grow your business internationally by offering you the option to receive, directly on your Qonto account, transfers in more than 50 different currencies, and from many countries. More information here : List of accepted currencies and unauthorized countries We’ve designed a unique pricing system for this service in order to provide you with lower rates than those offered by the traditional players on the market. This pricing includes three types of fees: Receipt fees Fixed fees (which are avoidable) Exchange fees (depending on who handles the funds conversion into euros) Keep reading for more details on what you pay (and to whom) and for tips on how to avoid certain fees. Receipt fees On all Qonto plans, a unique fee of €5 excluding taxes is applied to each SWIFT transfer received, in addition to the monthly cost of your plan. Fixed fees Unfortunately, we have no control over the fees that may be charged by the various banks responsible for sending the transfer to your current account and for converting the funds. These fees are added to the cost of the transfer directly and typically range from €10 to €50. 👉 Good to know: All transfers that go through the USA, even if it is only an intermediary bank, have a fee of 20$. These fees can be avoided, however, if your sender chooses the right option: When sending you a SWIFT transfer, the issuer (your client or partner) has three options: OUR, BEN or SHA. The chosen option is indicated on the proof of transfer (MT103), provided by the issuing bank. The SHA (shared) option : the fees are shared between the beneficiary and the sender of the transfer. The fees from the issuing bank are paid by the person sending the transfer. The intermediary and beneficiary bank fees are deducted from the transfer amount (and thus charged to the beneficiary). The BEN (beneficiary) option : The transfer beneficiary pays all the fixed fees, which are deducted from the transfer amount. The OUR option : this is the only option that ensures you pay zero fees, as they are all taken care of by the party sending the transfer. 💡 We recommend you to ask your client or partner to select the OUR option to ensure that you receive the amount you are expecting. Also, it’s better to specify this in your business contracts ! Exchange fees The exchange rate is calculated based on the interbank exchange rate. These exchange rates vary constantly. They're frozen during the weekend and banking holidays - when the markets are closed - but they can fluctuate drastically as of the beginning of the week and over the course of a single day. The exchange rate used to convert SWIFT transfers into euros is never the interbank rate. One of the banks (issuing, intermediary/intermediaries and/or beneficiary) converts the funds (for example, from USD to EUR) and charges a commission, which is calculated as a percentage of the interbank exchange rate. Although you have no control over the matter, you should know that two scenarios are possible: The issuing bank or one of the intermediary banks converts the transfer Qonto then receives the transfer in euros. Since the conversion has been completed beforehand, we have no control over the fees added to the exchange rate displayed on your screen. The beneficiary bank converts the transfer If the beneficiary bank receives the transfer in a currency other than euros, it will apply its exchange fees to convert the funds. When transfer funds need to be converted, Qonto entrusts this task to a correspondent bank rather than handling it directly. With our correspondent bank, we have negotiated a fee equal to about 2% of the interbank exchange rate. This is just an estimate. This rate may be higher or lower depending on the date, the transfer amount and the currency.",https://help.qonto.com/en/articles/4359547-how-much-does-receiving-a-swift-transfer-cost "I want to better understand why my SWIFT transfer was rejected, and if I will pay any fees related following this rejection","Qonto allows you to initiate SWIFT transfers to several countries around the world. This is thanks to our connection to the SWIFT network via a third-party provider who will be responsible for validating and executing your transfers. In some cases, your transfer may be rejected, and we are sorry for that. Our goal at Qonto is to communicate as clearly as possible the reason for the rejection in the email you receive. But sometimes, very little information is shared by our third-party provider. Here are some guidelines and principles to know about on SWIFT transfers, for two scenarios : The document(s) supplied is (are) not valid or does (do) not meet the criteria of our third-party provider ? Learn more about the 📔 documentation requirements for SWIFT transfers on this link . 💵 We will endeavor to reimburse you for the transfer fees charged, in cases of rejection that we deem beyond your control… …but we will not reimburse fees in the following scenarios: When the documentation provided at the outset is unquestionably invalid When the beneficiary initially indicated on the application does not correspond to that on the invoice or contract When you are the originator of the request to cancel the transfer When the transfer is returned to us by the beneficiary bank Has your transfer been rejected, and no clear reason has been provided to you ? There are a number of cases in which it will not be possible to execute your transfers: Rejection for regulatory reasons, by our external partner or the beneficiary bank Insufficient funds to process the payment, as there may be charges on the SWIFT network Incorrect or incomplete account information Finally, it is also possible that the beneficiary bank or the intermediary banks in the SWIFT space have not provided a reason. To find out more about SWIFT transfers, click here .",https://help.qonto.com/en/articles/8194663-i-want-to-better-understand-why-my-swift-transfer-was-rejected-and-if-i-will-pay-any-fees-related-following-this-rejection SWIFT transfers - My beneficiary received a different amount than I sent to him.,"In the majority of cases, your beneficiary will receive the exact amount you have sent to him from your Qonto account. However, in very rare cases of SWIFT transfers, the amount received may differ from the amount sent. In fact, SWIFT transfers are sent to your beneficiary via our partner in SHA mode (""shared costs"" - the market standard). The receiving bank or/and intermediary bank(s) may choose to charge a transfer fee. These will then be either: Charged separately, to the beneficiary's account Imputed directly on the amount of the transfer For example, if I send $1,000 to the United States, and the receiving bank or/and intermediary bank(s) charges a $15 international transfer fee, then the transfer recipient: Can be charged $15 of reception fees, or May receive only $985 of the $1,000 sent This second case is again quite rare, but possible in some less common banks. In these cases, it is sometimes wise to inquire about these fees from your supplier, before making your SWIFT transfer. 👉 Good to know: All transfers that go through the USA, even if it is only an intermediary bank, have a fee of 20$.",https://help.qonto.com/en/articles/4359563-swift-transfers-my-beneficiary-received-a-different-amount-than-i-sent-to-him Why can't I execute SWIFT transfers?,"Here are the main reasons that can explain why our third-party service provider doesn't accept your SWIFT transfers yet: Your company is not yet validated . When the onboarding process will be validated by our team you will be able to get access to the feature. Your company was recently registered . Thus, all the required information isn't publicly available yet, including your industry activity (ex. for French companies, your NAF/APE code). We automatically check for your industry activity on public databases several times a week, so your account should be granted access quickly. A representative of your company has requested that its information should not be made available on public databases . If you fall into this case, please reach out to our customer support to provide the required information privately. We will update your company information in our system, so you can get instant access to non-euro transfers. Your company has several Qonto accounts . Our third-party service provider’s internal processes / API makes it so that they do not currently support more than one account per company. The feature is active only for the first account you created for your company with us. 💡For German administration forms, the feature can be unavailable if you haven’t submitted the registration information . Our team will check if your company complies with the criterias of our third party provider to allow you to make swift transfers. ​ If you still cannot make SWIFT transfers, please contact our Customer Support team on our chat, they will handle your request and resolve it as soon as possible. ​ To learn more about non-euro transfers, click here .",https://help.qonto.com/en/articles/4359565-why-can-t-i-execute-swift-transfers How can I receive a SWIFT transfer?,"Qonto allows you to receive transfers from most countries worldwide, in various currencies, using the SWIFT network (Society for Worldwide Interbank Financial Telecommunication). What does this mean? 🤔 With Qonto, your US customers can pay you in dollars (USD), your Japanese partners can pay you in yen (JPY), and you can receive currencies like zloty (PLN) from Canada or rupee (INR) from Mexico. Of course, you can also receive euros! Which currencies and countries are supported? 👉 See below! Receiving Time ⏱ SWIFT transfers are typically credited to your Qonto account within 5 business days (excluding weekends and banking holidays). The exact timeframe depends on factors such as time zone differences, transfer creation time, issuing currency, and the sender's bank. Please note that single SWIFT transfers are subject to specific checks based on the country of origin and the transfer amount. We may contact you for additional information before crediting the funds to your account. How does it work? 🤓 To share your bank details: Go to Business account > Transactions, then click on Account details Click on Account details Download your bank details, including your IBAN, BIC, and BIC Intermediary Bank IBAN: FR7616958000 ... BIC: QNTOFRP1XXX BIC Intermediary Bank: TRWIBEB3XXX 💡As a new player in the financing system, we have partnered with Wise transfer to ensure the smooth reception of your SWIFT transfers. When receiving a SWIFT transfer, please ask your clients to mention the BIC of our intermediary bank, Wise, in addition to Qonto BIC. Please note that while we handle the reception of transfers in various currencies, your Qonto account can only receive funds in euros . Any amounts received in foreign currencies will be automatically converted to credit your account. For more information: How much does receiving a SWIFT transfer cost? 👉 Good to know: All transfers that go through the USA, even if it is only an intermediary bank, have a fee of 20$. List of accepted currencies ✅ (incoming SWIFT transfers) AED United Arab Emirates dirham AUD Australian dollar BGN Bulgarian lev CAD Canadian dollar CHF Swiss franc CNY Renminbi, Chinese Yuan CZK Czech Koruna DKK Danish krone EUR Euro GBP Pound sterling GHS Ghanaian cedi HKD Hong Kong dollar HUF Hungarian forint ILS Israeli Shekel JPY Japanese yen KWD Kuwaiti dinar MXN Mexican peso NOK Norwegian krone NZD New Zealand dollar OMR Omani rial PEN Peruvian Sol PLN Polish złoty RON Romanian leu RSD Serbian dinar SAR Saudi riyal SEK Swedish krona SGD Singapore dollar TRY Turkish lira USD United States Dollar XAF Central African CFA Franc XOF West African CFA Franc ZAR South African rand ZMW Zambian kwacha List of unaccepted countries ❌ (incoming SWIFT transfers) In addition, there is a list of countries from which SWIFT transfers are not accepted for regulatory reasons. 👉 If the address of the issuing bank or the emitter, comes from one of these sensitive countries, it will be returned to the issuing bank within 5 business days . Afghanistan Anguilla Azerbaïdjan Bahamas Belarus Botswana Burundi Cayman Islands Central African Republic Congo Republic Crimea Cuba Democratic People's Republic of Korea (North Korea) Democratic Republic of the Congo Donetsk Eritrea Iraq Islamic Republic of Iran Kyrgyzstan Libya Luhansk People’s Republics Macao Mongolia Myanmar Nauru Nicaragua Pakistan Palau Palestine, State of Panama Philippines Russia Saint Kitts and Nevis Somalia South Sudan Sudan Syrian Arab Republic Tchad Trinidad and Tobago Uganda Vanuatu Venezuela Virgin Islands, British Virgin Islands, U.S. Yemen Zimbabwe",https://help.qonto.com/en/articles/4359548-how-can-i-receive-a-swift-transfer What is the difference between a SWIFT transfer and a SEPA transfer?,"The SEPA network (Single Euro Payment Area) makes it possible to send euros within the European Union. This network also includes the 4 EFTA countries (Iceland, Norway, Liechtenstein, Switzerland), 4 microstates (Andorra, Monaco, San Marino, Vatican), and the United Kingdom. The SWIFT network (Society for Worldwide Interbank Financial Telecommunication) makes it possible to send single non-euro transfers anywhere in the world. They are also referred to as “non-SEPA zone” transfers. This means that you can send transfers and also receive transfers , to/from many countries in the world and in several currencies. Unlike with the SEPA network, banking institutions must pay to access the SWIFT network. Qonto is connected to both SEPA and SWIFT networks.",https://help.qonto.com/en/articles/4359546-what-is-the-difference-between-a-swift-transfer-and-a-sepa-transfer How can I submit SWIFT transfers?,"Qonto allows you to make transfers from most countries in the world, in most currencies, via the SWIFT network (Society for Worldwide Interbank Financial Telecommunication). What does that mean? 🤔 It’s possible to send Zlotys (PLN) to Spain, or Yens (JPY) to Belgium. You can, of course, also send US Dollars (USD) to the United States, or Sterling Pounds (GBP) to the United Kingdom. Your choice. However, it’s not possible to send Euros (EUR), to the United States for example. On the other hand, it is possible to make transfers in the SEPA zone, in Euro, by following the SEPA transfer procedure . 👉 See below In which currencies and to which countries ? What is the fee? The fees for SWIFT transfers applied will be as follow : 5€ for ALL PLANS and decreasing percentage according to the plan you chose. Solo - Basic: 1% Solo - Smart: 0.9% Solo - Premium: 0.8% Team - Essential: 1% Team - Business: 0.75% Team - Entreprise: 0.5% 💡 Good to know: the exchange rate indicated will in most cases be the rate applied to the transaction, but in rare cases it may be a different rate. It can also happen if you delay in validating the transfer or if a request for information is sent to you by our Compliance department. 👉 Please note that all transfers that go through the USA, even if it is only an intermediary bank, have a fee of 20$. What's the receiving time? ⏱ The time to receive a SWIFT transfer is 5 business days . There is no bank exchange on weekends, or during public holidays and interbank closures. Different time zones can also affect the delay of transmission and reception of the transfer. 👆 Good to know: SWIFT transfers can be submitted during markets open hours only. This means that most of banks don’t process transfers during weekends and bank holidays. In a case of SWIFT transfers, please keep in mind that you have several holidays around the world, where banks are not working. Your transfers will be processed the next open day during markets open hours. ​ At this day, your Qonto account does not allow you to transfer currencies to individuals abroad. In case you want to pay an individual, please provide a contractual agreement that highlights the payment purpose. Your transfer might be declined if supporting documentation is not provided, and the euro equivalent might be affected when we credit back your account. List of accepted currencies ✅ (outgoing SWIFT transfers) AUD Australian dollar AED United Arab Emirates Dirham BHD Bahraini Dinar CAD Canadian dollar CHF Swiss franc CNY Chinese Yuan (Renminbi) CZK Czech Koruna DKK Danish Krone GBP Pound sterling HKD Hong Kong dollar HUF Hungarian forint ILS Israeli Shekel JPY Japanese yen NOK Norwegian krone NZD New Zealand dollar PLN Polish złoty RON Romanian leu SAR Saudi Riyal SEK Swedish krona SGD Singapore Dollar THB Thaï Baht TND Tunisian Dinars TRY Turkish Lira USD United States Dollar ZAR South African Rand List of accepted countries ✅ (outgoing SWIFT transfers) Australia Austria Bahrain Belgium Bolivia Bulgaria Cameroon Canada China Croatia Cyprus Czech Republic Denmark Egypt Estonia Finland France Germany Greece Hong Kong Hungary Ireland Israel Italy Ivory Coast Japan Jordan Kuwait Latvia Lithuania Luxembourg Mali Malta Morocco Netherlands New-Zealand Norway Oman Poland Portugal Qatar Romania Saudi Arabia Senegal Serbia Singapore Slovakia Slovenia South Africa Spain Sweden Switzerland Thaïland Tunisia Turkey United Arab Emirates United Kingdom United States How can I initiate a SWIFT transfer? 💻 On your web app Go to the Business Account section Click on the Transfers tab and click on Make a transfer Select International transfer in foreign currency In case you have several accounts, select the one you want to debit ; Select a beneficiary or enter the information about a new beneficiary : complete name as indicated on the RIB (name/first name / company name), IBAN, VAT rate, Category or Associated labels, etc. We will save this beneficiary automatically so that you won't have to create it again. Select Bank country and Currency Enter the transfer reference and amount Add an Attachment such as a bank statement or an invoice, so the transfer can be verified 📱 On your mobile app Go to the Menu section Click on Transfers Click on the + symbol on the top right corner You will have 2 choices: add an invoice add the transfer details 💡 Once you have validated your transfer, if you realize that you have made an error with the beneficiary, a simple modification will not be sufficient (our system will not take it into account). It is necessary to cancel the transfer (contact our support if necessary), delete the beneficiary from your list, and create a new one. You can then make your transfer by choosing the updated beneficiary. You have other options in order to personalise your transfer. Click on the toggles of the following options you want to use: Beneficiary notification , in case you want us to send an email to the beneficiary with transfer details Bookkeeping details , which allows you to define beneficiary VAT rate, custom labels in case you have it in your price plan, and a note to remember what this transfer is about Click on Continue Take a last look on the transfer details, and click on Submit You will probably be asked to confirm the operation with you mobile phone ​ 💡 Please keep in mind that a minimum amount will be necessary in order to execute some swift-out transfers, around 10€ for all currencies / 36€ for Kenyan Shillings.",https://help.qonto.com/en/articles/4359568-how-can-i-submit-swift-transfers When can I submit SWIFT transfers?,"You can submit SWIFT transfers at anytime while international financial markets are open, in accordance with the terms and conditions of this article . When are they closed? Normal weekends (Saturdays, Sundays) E.U. and International banking holidays ​ ex: It won’t be possible to send money to Japan if it’s a Japanese holiday If you are sending USD, U.S. holidays apply ​ ex : It won’t be possible to send USD to Sweden if it’s an US Holiday 👆 Good to know : During Night hours some currencies may temporarily not be available. What should I do if this is the case? If you try to make a SWIFT transfer while markets are closed, you may be blocked. If that is the case, we recommend you try again on the next business day during business hours (9am-7pm).",https://help.qonto.com/en/articles/4359566-when-can-i-submit-swift-transfers What is my Transfer limit ?,"Instant SEPA transfers You can create instant SEPA transfers of up to €30,000. If your transfer is over €30,000 or your beneficiary cannot be reached via instant SEPA transfers, it will be carried out like a traditional transfer. Standards SEPA transfers You can create SEPA transfers without any amount limits to your beneficiary. If your transfer is greater than €30,000, you will be required to provide proof of payment as an attachment. 💡 To save time in your accounting, we advise you to add proof of payment for each transfer emitted.",https://help.qonto.com/en/articles/6887101-what-is-my-transfer-limit Can I add a proof of payment after creating a transfer ?,"When you create a transfer you have the option of attaching a receipt. Moreover, the addition of a receipt may be mandatory for legal reasons in order to proceed the execution of the transaction. Keep in mind that it is never too late to link a document to your transaction ! Processed and processing transfers: By going to your ""history"" tab in your Qonto space or mobile app, you can add your receipt 🙂 ➡️ Click on your Business account section on your Qonto account ➡️ Go to the Transactions tab ➡️ Select the transfer ➡️ Then upload the proof of payment you need to add 🙂 Scheduled transfers Until your transfer hasn't turn into the ""processing"" status, you still can add a receipt by going to your ""transfer"" in your Qonto account on your desktop or your mobile app. ➡️ You will have to go to your ""Transfer"" section on your Qonto account : ➡️ Select the transfer and click on ""Edit"" ➡️ Then upload the proof of payment you need to add 🙂 ☝️ Make sure that you have a clean and readable document. Et Voilà, your receipt has been added! However, if you are unable to make the change, please do not hesitate to contact us via the chat to assist you.",https://help.qonto.com/en/articles/5953735-can-i-add-a-proof-of-payment-after-creating-a-transfer Which document do I need to provide to make an international Swift transfer?,"When you create a new transfer, you need to justify the transaction by uploading a document. This is necessary for all Swift transfers because these transfers are exposed to a higher level of risk and we need to verify them. Before setting up a new transfer, it’s a good idea to have your document already at hand (e.g. as PDF, PNG or JPEG). Which kinds of documents can justify a transfer? Generally, we accept two types of documents: Invoices Contracts Depending on your transfer purpose, the provided document may differ. Typical documents that we accept are supplier invoices, signed sales agreements, payslips, proof of payments or rental contracts. How do I know my document is valid? The invoice is issued to your company, and your company is the recipient of the services/ goods On contracts, your company's name and legal information are shown (full official names, country of registration, registration number is a plus) The recipients’s name and bank account details in the document match the beneficiary details in Qonto The positions of the invoice indicate a clear value/purpose The invoice must be dated within 3 months The contract is signed by both parties If the beneficiary is an individual entrepreneur, it is necessary to add a contract justifying the transaction ⚠️ We cannot accept handwritten invoices or blurry pictures. ⚠️⚠️ If the provided document is invalid, the transfer will be rejected and the money will be returned to your account which may take 3-5 days.",https://help.qonto.com/en/articles/6884975-which-document-do-i-need-to-provide-to-make-an-international-swift-transfer "How to choose a reason of transfer to send money to Bahrain, Jordan and UAE?","Qonto allows you to submit SWIFT transfers to Bahrain, Jordan and the United Arab Emirates as long as you specify the reason for sending money to these countries. This is a mandatory requirement set by their governments, but we will help you find the correct reason of payment for your transfer. Keep in mind that Qonto does not support all types of SWIFT transfers, so if you can't find a reason of transfer that matches your payment in the information below, this means it is not supported by us today. If you are in doubt about which reason of transfer to select for your specific payment, we advise you to contact your beneficiary to confirm it before submitting the transfer. Bahrain The reason of transfer supported by Qonto are the following: Reason of Transfer Description AFL - Paying from a non-resident bank account Transfers and payments from a non-resident to a bank account in Bahrain CHC - Donations to charities Donations such as humanitarian aid and contributions to NGOs FIS - Financial services Fees and payments related to financial services that were provided to you GDE - Goods exports Payments related to goods imported by you (exported by the beneficiary). GMS - Repair and maintenance services Services related to processing, assembly, labelling, packing, maintenance and repair IFS - Marketing and media services News agency services, database services, and related media services INS - Insurance services Payment related to insurances on goods, life, travel, reimbursement, etc ITS - Information technology services Hardware and/or software-related services and data-processing services PMS - Professional consulting services Legal services, accounting, management consulting, public relations, advertising, market research, etc PPL - Purchasing real estate Use it to pay for a real estate in Bahrain as a nonresident PRS - Cultural, audiovisual and entertainment services Education services, health services, heritage and recreational services, etc RDS - Research and development services Basic and applied research, experimental development of new products, etc SCO - Construction services For payments related to the creation, renovation, repair or extension of buildings STR - Travel Travel-related payments such as business travel, travel agents fees, hotels, etc TCS - Telecommunication services Related to business network services, teleconferencing, broadcasting, satellite, television cable, and more TTS - Technical, trade-related and other business services Includes architectural services, waste treatment, agricultural and mining services and others not included elsewhere Jordan The reason of transfer supported by Qonto are the following: Reason of Transfer Description 0101 - Paying invoices Payment related to purchases 0102 - Paying utility bills Related to utility bills, such as telephone, water, electricity and internet 0109 - Saving and funding account Transfers to your own account in Jordan for saving and funding purposes 0203 - Paying private sector salaries Salaries, bonuses and incentives of private sector employees 0404 - Travel Travel-related payments such as business travel, travel agents fees, hotels, etc 0602 - Goods exports Payments related to private sector exports 0604 - Goods imports Payments related to private sector imports 0801 - Telecommunication services Payments related to telecommunication services provided to you 0802 - Financial services Payments for services provided by internal audit companies, accounting firms, tax authorities, etc 0803 - Information technology services Expenses related to IT services provided to your company 0804 - Professional consulting services Expenses related to consulting firms 0805 - Construction services Expenses related to construction work 0806 - Repair and maintenance services Expenses related to industrial maintenance and assembly services 0807 - Marketing and media services Expenses related to advertising and marketing 0808 - Mining services Expenses on mining and related services 0809 - Medical and health services Medical treatment, pharmaceuticals and related expenses 0810 - Cultural, audiovisual and entertainment services Cultural, educational and entertainment services 0811 - Paying rent or property expenses Lease expenses of real estates, vehicles, machineries and other related expenses 0812 - Purchasing real estate Transfers of real-estate purchase United Arab Emirates The reason of transfer supported by Qonto are the following: Reason of Transfer Description AFA - Paying from a resident bank account or deposit abroad Transfers and payments from a bank account or deposits outside the UAE (residents) AFL - Paying from a non-resident bank account Transfers and payments from a non-resident to a bank account in the UAE CHC - Donations to charities Donations such as humanitarian aid and contributions to NGOs. Does not include loans. FIS - Financial services Financial charges that don't require special calculation, such as account charges, fees for services, etc GDE - Goods exports Payments related to goods imported by you (exported by the beneficiary). GDI - Goods imports Related to goods imported by the beneficiary. GRI - Government income taxes, tariffs and capital transfers Tariffs and taxes payable to the UAE government ITS - Information technology services Hardware and/or software-related services and data-processing services LLA - Loans repayments or loans for non-residents Use this to repay loans given to you by residents in the UAE PMS - Professional consulting services Legal services, accounting, management consulting, public relations, advertising, market research, etc PPL - Purchasing real estate Use it to pay for a real estate in the UAE as a nonresident RNT - Paying rent or property expenses Use it to pay for rent on property or other expenses STR - Travel Travel-related payments such as business travel, travel agents fees, hotels, etc TCP - Paying for goods and services in advance Trade credits and advances to suppliers in the UAE UTL - Paying utility bills Related to utility bills, such as telephone, water, electricity and internet",https://help.qonto.com/en/articles/7222028-how-to-choose-a-reason-of-transfer-to-send-money-to-bahrain-jordan-and-uae "My outgoing transfer was returned to me, why?","It may be that the beneficiary bank returns a transfer under certain conditions. Indeed, some banks (especially Neobanks) are particularly vigilant to receive a transfer (N26, Compte-Nickel, HelloBank, Revolut ...) So, make sure to follow that conditions: - The name of the beneficiary must be exactly the same as on the RIB If you mention that the transfer is for the company ""Qonto"", make sure that the company name match the name on the RIB. The transfer can be returned for this reason. - The reason for the transfer must be clearly identifiable The reference of a transfer is a vital information for compliance service. Thus, a transfer denominated ""invoice"" can be returned. In this case, we advise you to clearly indicate the invoice number. Same remark for salaries, we advise you to inform the month and the year of the salary in question. - The IBAN must be correct ☝️ Good to know: take a look to the different transfer status by clicking here . It can provide complementary informations that could be useful in some cases. The beneficiary's account has been closed? The beneficiary may have closed his account. In this case, we invite you to contact him. In case of rejection of your transfer by the beneficiary bank, the transfer is credited to your account within 6 to 8 business days (delays may apply).",https://help.qonto.com/en/articles/4359562-my-outgoing-transfer-was-returned-to-me-why "My Qonto IBAN is not recognised by another bank, what's wrong?","A few traditional banks operate with outdated IBAN databases. As a result, while making a transfer to your Qonto account, you might receive an error message claiming that your IBAN (or the BIC / SWIFT code) is not valid. In that case: enter your BIC without the final x3 ""X"" ( ex: QNTOFRP1 ) get in touch with the bank's Customer Support Team and ask for the addition of your Qonto IBAN to the database And if it doesn't work (again)? We'll help you find a solution. Please send us a message with the following information: A short description of the problem: what was the action you've tried to perform and what was the error message (a screenshot would be much appreciated) The name of the bank involved The IBAN or account number of the issuer's account The transaction concerned: time, reference and amount. We'll then find the best way to solve this issue.",https://help.qonto.com/en/articles/4359580-my-qonto-iban-is-not-recognised-by-another-bank-what-s-wrong "You think you are facing a commercial dispute, what should you do?","You have made a transfer following a commercial agreement with a third party, you have not received the goods and you have not heard from your partner. 👉🏻 Are you a Qonto customer? You have made a transfer to one of your partners and they have not fulfilled their part of the contract and are no longer responding to you: First of all , you need to file a complaint as soon as possible Once you have received the report, contact our customer service, which will initiate the request for the return of funds as soon as possible ☝️ The request for return of funds must be made within 13 months after the execution of the transfer. 👉🏻 Not a Qonto customer? If you have made a transfer to a Qonto customer, and the latter has not honoured his part of the contract and is no longer responding, we invite you to send us the account information so that we can make the necessary arrangements. If you have already filed a complaint, the competent authorities will contact us to continue the investigation. If you have not done so, we advise you to do so as soon as possible and to inform your bank of the situation.",https://help.qonto.com/en/articles/5258786-you-think-you-are-facing-a-commercial-dispute-what-should-you-do INTERBANK CLOSURE DAYS 2024,"What are public holidays and interbank closures? These are exceptional days which have a direct impact on your banking transactions and extend the execution delays of your transfers. ​ What are the days of interbank closures in 2024? From one year to the next, the public holidays impacted by interbank closures vary. Here are the interbank closing days in 2024: Monday January 1st (New Year's Day) Friday March 29 (Ascension) Monday April 1st (Easter Monday) Wednesday May 1st (Labor Day) Wednesday December 25 (Christmas) Thursday December 26 (day after Christmas) 🌟In case of emergency, you will still be able to send and receive instant transfers on these days! Holidays not impacted by interbank closures Your transfers will be executed normally: Wednesday May 8 (Victory Day) Thursday May 9 (Ascension) Monday May 20 (Pentecost Monday) Tuesday August 15 (Assumption) Friday November 1st (All Saints’ Day) How to anticipate this exceptional situation? Standard transfers created on these days will be scheduled and executed the following business day. Note that instant transfers are available 7 days a week and allow you to pay your beneficiary within 10 seconds! ​ 💡Make your standard transfers as early as possible in the preceding week before 10:30 a.m. so that they are executed the same day. What if I’m sending overseas? If you are sending via the SWIFT platform, your ability to effect an international transfer may be subject to local banking holidays in the country you are sending to. Please see this article for more information .",https://help.qonto.com/en/articles/4359567-interbank-closure-days-2024 What is a recalled transfer?,"A recalled transfer refers to a situation where the emitter bank requests the cancellation of a previously executed transfer. What are the conditions for a recalled transfer? Incorrect amount or IBAN: If the Account Holder entered the wrong amount or provided an incorrect IBAN during the transfer. Multiple accidental executions: If the transfer has been mistakenly executed multiple times. How does it work? When the emitter bank wishes to cancel a transfer that has already been credited, our team conducts a thorough analysis. Each recall request must be validated by a Qonto account Admin before it can be executed. Without validation, the transfer will not be canceled, and the emitter will not be refunded. In the event of a fraud suspicion In cases where the emitter bank reports a suspicion of fraud, our team will investigate the situation and approve the cancellation of the transfer if necessary.",https://help.qonto.com/en/articles/4470925-what-is-a-recalled-transfer Can I cancel my transfer?,"After validating a transfer, the Admin still has the possibility to cancel it directly from the app (mobile and web) under certain conditions. Scheduled transfers You can schedule transfers to be executed at a specific date. If your transfer hasn't been executed yet, you can edit it or delete it. Once deleted, your transfer won't be initiated ever again. 👉 If the scheduled transfer is created through the Supplier Invoices section, the invoice related to this transfer will appear in the “ Scheduled Payments” tab of the section. Recurring transfers A recurring transfer is scheduled to be executed every week or month. As long as the transfer appears in the upcoming transfers and it is not the day of its occurrence, you can delete it: Select the desired transfer, a box will open on your right Click on the ' Cancel ' button in red Pending orders It's a transfer that has been validated but not executed yet. You still can edit or cancel this transfer (under some conditions). ☝️ Good to know: Have a look at this article to know how to cancel one of these transfers. What is the cancellation deadline? Every time that you make a transfer to a beneficiary who has an account with another bank, Qonto stores this information before sending it to Crédit Mutuel Arkéa (this is where your funds are secured). Transfer requests are communicated three times a day to ensure that your transactions are processed quickly. Once Crédit Mutuel Arkéa collects the information, the transfer is already in progress. You can cancel your transfer by yourself as long as Qonto has not asked Crédit Mutuel Arkéa to initiate the fund's movement to the beneficiary's bank. This time can vary from a few minutes to a few hours depending at the time the transfer has been validated. ✌️ Good to know: Take a look at the different transfer status by clicking here . It can provide complementary information that could be useful in some cases.",https://help.qonto.com/en/articles/4359554-can-i-cancel-my-transfer Which document do I need to provide to execute a transfer ?,"To simplify your accounting, Qonto allows you to attach invoices to all of your transactions. When you initiate a new transfer, you need to justify the transaction by providing a document to execute it. Before setting up a new transfer, make sure that you have a digital version or a picture of the document. Which kinds of documents can justify a transfer? Accepted documents depend on the transfer purpose. The most common are: Transfer type Documents Paying a supplier, a professional An invoice composed of the following information: emitter, company name, amount, and IBAN. Paying your employees A payslip or IBAN Paying your CEO salary An IBAN and/or the written record of the general assembly, if applicable Return money to a business partner A proof of payment and/or a written record if applicable Initiating a transfer to an individual beneficiary A sales announcement, a car registration certificate in case of a purchase, a deed of assignment, an IBAN For international transfer : Kbis + contract Initiating a transfer to regularize a tax situation Any official document provided by one of these public institutions Paying for a rent A lease, an invoice or a rent receipt Acquisition of a real property A sales agreement signed by both parties Investing money A contract, the general assembly written record, or a notarial act Transferring funds from one account to another (same company) The IBAN of the beneficiary bank, in the company's name How to add documents? Go to the Business Account section Click on the Transfers tab Click on the transfer you want and go to the Upload document section at the bottom. Upload the document you have chosen. You also have the option to Modify transfer , and add any information or document that is necessary for its execution. Or Go to the Purchases section Then select Supplier Invoices tab Look in the To pay Tab the differents invoices uploaded attach the invoice to an existing transaction or created a payment",https://help.qonto.com/en/articles/4359555-which-document-do-i-need-to-provide-to-execute-a-transfer When will the beneficiary receive my transfer?,"With Qonto, transfers are instant by default, and so received within 10 seconds after they've been sent. If your instant SEPA fails, you may have the possibility to chose and send a standard SEPA transfer instead. SEPA transfers are usually received within 24 to 48 business hours after they’ve been sent. Sending date depends on the type of transfer you're making: Instant SEPA transfers are sent and received within 10 seconds. Euro standard SEPA transfers made before 10:30 AM are sent the same day (business day) Euro standard SEPA transfers made after 10:30 AM are sent the following business day Non-euro SWIFT transfers are sent within 5 business days Please make sure that you have a sufficient balance to process your transfer to avoid any rejected transfers. If your account has been debited, but your beneficiary has not received their funds : immediately for an instant transfer after 48 business hours for a standard transfer Step 1: Check your mailbox, if you have not received any information request from Qonto regarding the transfer, if so, respond to it. Step 2: Send the proof of transfer to the beneficiary so that he can ask his bank to do an internal research Step 3: Finally, contact our Customer Service ☝️ Did you know? Transfers between Qonto accounts are instant ! ⚡️ Once your transfer has been sent, you can download a proof of payment . 📄",https://help.qonto.com/en/articles/4359577-when-will-the-beneficiary-receive-my-transfer How to make an instant transfer in euros?,"An instant transfer is a transfer that takes place in a few seconds, unlike a standard transfer that can take up to 3 business days to be received. And most importantly, this type of transfer works every day, at any time, even on holidays. For your transfer to be instant, it has to meet two main conditions: t must take place within the SEPA zone ( which differs from the Europe zone ) it should not exceed 30,000 euros. If you send cash to a supplier on a Saturday, for example, this supplier sees the cash on his account within seconds. At Qonto, sending and receiving instant transfers is free of charge, up to the number of free transfers included in your plan . ☝🏻 Please Note: Transfers between Qonto accounts are free of charge, so no additional fees will be charged to your plan for any transfer of this kind. ☝🏻 In some cases, the instant transfer option will not be possible, you will need to send it as a standard transfer. 🙏🏻",https://help.qonto.com/en/articles/6263910-how-to-make-an-instant-transfer-in-euros Why was my transfer declined?,"If your transfer was declined, we recommend to follow these steps: Please check if there's enough money in your balance to process this transfer Make sure that you select the right operation type (single euro transfer or single non-euro transfer) Make sure that the name of the beneficiary you have registered matches exactly the one indicated on the RIB For regulatory reasons, we may not have been able to complete the transfer Do not hesitate to contact our Customer Support Team for more information.",https://help.qonto.com/en/articles/4359578-why-was-my-transfer-declined How to download a proof of transfer ?,"It is possible to download a proof of transfer directly from your Qonto interface, in case of request for a proof by a third party, for example. ☝️ Good to know: Downloading a proof of transfer is available to Account Owner , Admins, and Managers with the appropriate permissions . ​ Managers without permissions or Employees will not be able to download proofs of transfer, they must contact an Admin or the Owner. Managers who can directly make transfers, not just transfer requests, will be able to download proofs of transfers for the ones they initiated themselves. To download the proof of transfer, go to your Business Account section webapp (desktop only), in the "" History "" tab. Find the transfer for which you want a proof of transfer and click on it. In the side panel, click on "" Download proof of payment "" to download the document as below. Note: This document can be downloaded only if the transfer has been executed .",https://help.qonto.com/en/articles/4359564-how-to-download-a-proof-of-transfer What is pagoPA?,"PagoPA is a platform to make all payments to the PA (Public Administration) simpler, safer and more transparent. pagoPA is compulsorily adopted by all Public Administrations and a growing number of Banks and payment institutions ( Payment Service Providers - PSP). pagoPA is envisaged in the implementation of Article 5 of the CAD (Digital Administration Code) and by Legislative Decree 179/2012. pagoPA was born for three reasons: push electronic payments in the country, PA payments are relevant in terms of the number of transactions and amount. Let the citizen have freedom of choice when it comes to payments and strengthen cost transparency to reduce the acquiring costs for the PA. What can I pay with pagoPA? PagoPA allows you to pay taxes, fees, utilities, fees, membership fees, stamps and any other type of payment to central and local Public Administrations , but also to other subjects , such as publicly owned companies, schools, universities, ASL. What are the advantages of pagoPA for my business? The main advantage of using the pagoPA system is to rely on a single, simple, fast and transparent payment system (certainty of commission costs, clarity of amounts, etc.), to make any type of payment to the Public Administration. In particular: transparency of commission costs certainty of the debt owed, with the possibility of obtaining the discounting of the amount (i.e. the amount to be paid is always the valid one required by the PA. If the amount varies over time due to default interest or other, it is always updated on pagoPA ) simplicity and speed of the process: just enter the warning code (IUV Identificativo Unico Versamento) to pay and receive the release receipt or the certainty that the PA has collected the tax and there will be no subsequent verifications or investigations. What is the security level of payments made on pagoPA? The level of security is guaranteed by adherence to the security regulations established by the Payment Card Industry (PCI) and adherence to the requirements on Strong Authentication provided for by PSD2. All payment institutions (Paid Service Providers) participating in the pagoPA system must comply with the security and fraud prevention requirements imposed by the PSD and PSD2. Why can I no longer find the MAV / RAV bulletin in the payment notification? By joining pagoPA, the Creditor cannot use MAVs or RAVs. Can I also collect credits from the public administration with pagoPA? No, the pagoPA system only allows payments to the Public Administration. For more information about how to use pagoPA on Qonto, you can visit our dedicated article: How does pagoPA work on Qonto?",https://help.qonto.com/en/articles/6627541-what-is-pagopa What are the different status for an outgoing transfer?,"Each transfer (or transfer request) made has a status that allows a real-time follow-up. "" Pending "" 📁 You've probably just created your Qonto account, and it has not yet been verified by our team. The transfer will be executed as soon as it's done. In the meantime, you can always modify or cancel the transfer. "" Scheduled "" 📆 The transfer is scheduled and will be executed later. As long as the transfer is not labeled ""in progress"", you can still modify or cancel it. "" In progress "" ⌛ The transfer is taken into account, but has not impacted your balance yet. In other words, the amount has not been sent. In some cases, you can still modify or cancel the transfer, if it has not been executed . "" Sent "" ✅ The transfer has been executed, and the funds have been sent out. It is impossible to cancel it at this stage (we advise you to contact the beneficiary directly if necessary). "" Declined by Qonto "" ❌ There are several reasons why we may have to reject a transfer. For example, the beneficiary's account may have been deleted. Do not hesitate to contact our customer service, our agents will be able to give you more information. "" Canceled "" ↩️ You canceled the transfer before it was executed. Your account balance will therefore not be impacted.",https://help.qonto.com/en/articles/4359575-what-are-the-different-status-for-an-outgoing-transfer What is the difference between end-to-end CRO and TRN code ?,"The CRO (Codice di Riferimento dell'Operazione) consists of a sequence of 11 numeric characters that identifies a transaction . Each CRO is unique and can only correspond to one transaction, identifying it with no margin for error. The TRN (Transaction Reference Number) replaced the CRO with the introduction of SEPA banking transactions , incorporating it. The TRN must consist of 30 alphanumeric characters, but the sixth to sixteenth characters correspond precisely to the old CRO (and can therefore be extrapolated and verified by hand or through automatic online tools), while the last two characters are necessarily alphabetical. The TRN, therefore, has the same functionality as the end-to-end code that you can conveniently find with Qonto inside the proof of transfer. ​ Where can I find the end-to-end code of my transaction? The end-to-end code is a ‘unique payment identification’ that allows outgoing SEPA Credit Transfers to be identified. This reference facilitates automatic payment reporting for both the originator and the beneficiary. Normally, this code has a maximum of 35 characters and you can show it to your beneficiaries to identify a correctly executed payment, to track it or as an identification code for tax/accounting purposes. The code will be available inside the receipt of each transfer you are going to make, moreover, it will be displayed when you receive the confirmation that your transfer has been successfully completed. 🎉 Here you have a link to our FAQ “ How to download the proof of execution of a credit transfer ?” Please note that: This information is only relevant for the Italian companies at the moment ☝🏻",https://help.qonto.com/en/articles/6842589-what-is-the-difference-between-end-to-end-cro-and-trn-code How to make a transfer in euros?,"There's nothing easier than processing a transfer! You can make a transfer directly from your web or mobile app. With Qonto, you can initiate instant SEPA transfers! How? Just follow the steps below👇 💻 On your web app: Go to the Business Account section Go to the Transfers section Click on the black + icon in the top right corner of your screen You will have 2 choices : 1- Upload an invoice If you have an invoice, upload it right now! The system will gather information on the invoice whenever it is possible (beneficiary / iban, amount, reference), You will be able to modify any field, the account to debit, schedule a recurrence, send notification to the beneficiary, add bookeeping details. 2- I don’t have an invoice / Add transfer details If you don’t have an invoice, follow this steps: Go to SEPA transfers in euros Choose or add a new beneficiary Enter the information needed (account to debit / amount / category / reference) Scheduling and recurrence allows you to define the date you want the transfer to be emitted, or choose a frequency if you wish to make it recurring Attachment , if you want to add a supporting document to your transfer, or in case the amount exceeds 30,000 euros Beneficiary notification , in case you want us to send an email to the beneficiary with transfer details Bookkeeping details , which allows you to define beneficiary VAT rate, custom labels in case you have it in your price plan, and a note to remember what this transfer is about Take a last look at your transfer, and make sure that all information is correct! Here your transfer is automatically set as INSTANT but you can also chose the option to make your transfer standard (received through 48 business hours max). You will probably be asked to confirm the operation with you mobile phone 📲 On your mobile app: Go to the Menu section Click on Transfers Click on the black + icon on the top right corner of your screen You will have 2 choices : 1- Upload an invoice (coming soon on mobile) If you have an invoice, upload it right now! The system will gather information on the invoice whenever it is possible (beneficiary/iban, amount, reference), You will be able to modify any field, the account to debit, schedule a recurrence, send notification to the beneficiary, add bookeeping details. 2- I don’t have an invoice / Add transfer details If you don’t have an invoice, follow this steps: Select a beneficiary or enter the information about a new beneficiary : complete name as indicated on the RIB (name / first name / company name), IBAN, VAT rate, Category or Associated labels, etc. We will save this beneficiary automatically so that you won't have to create it again. Enter the transfer’s amount and reference (you can save up to 135 characters in the reference field) Scheduling and recurrence allows you to define the date you want the transfer to be emitted, or choose a frequency if you wish to make it recurring Attachment , if you want to add a supporting document to your transfer, or in case the amount exceeds 30,000 euros Beneficiary notification , in case you want us to send an email to the beneficiary with transfer details Bookkeeping details , which allows you to define beneficiary VAT rate, custom labels in case you have it in your price plan, and a note to remember what this transfer is about Take a last look at your transfer, and make sure that all information is correct! Here your transfer is automatically set as INSTANT but you can also chose the option to make your transfer standard (received through 48 business hours max). You will probably be asked to confirm the operation with you mobile phone ☝️ Good to know : ​ You don’t need a new beneficiary to be validated before initiating a new transfer. In order to save time, you can settle your VAT rate and associated label for every single beneficiary, by clicking on Bookkeeping, then Suppliers . Once it's done, you don't need to think about it anymore! You will find already filled-in the dedicated fields with the information, when you will create a new transfer while you are making it. Managers may make transfers as their authorizations allow them to, within limits set by the Admin or the Account Holder. Transfers between Qonto accounts are not deducted from your plan, and credited instantly! All you need to do is follow the same procedure as for a traditional transfer, by filling in the bank account details (IBAN) of your beneficiary. ​ At the moment, you can’t initiate an instant SEPA for scheduled, requested, recurring and bulk transfer. ☝️ Tips : To save time on your SEPA transfers, use the link qonto.new in the search bar of your web browser. You will be taken directly to the SEPA transfers page. You can also use the Suppliers Invoice section for your transfers and avoid filling manually all the transfer details. 🔁 You can now re-initiate some transfers that you have already made without having to recreate it again 🤩! Click on the transfer you want to remake in your history tab, then on the right side you will see the button Repeat transfer . You will be able to edit some transfer details and then validate it. 💡 If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone. ⏱ With the new iOS widget : For those who want to go faster and faster, discover our new iOS Qonto mobile widget. 💡 A widget is a small module that you can add to your phone's home page, allowing you to control your applications or access information more quickly. How do you add the widget to your home screen? From your iPhone home screen, long press on any application, then click on Edit home screen ; Click on the + button in the top left-hand corner, and the widget menu will appear.",https://help.qonto.com/en/articles/4359574-how-to-make-a-transfer-in-euros What is a SEPA transfer and how long does it take to receive it ?,"You've probably heard of SEPA Credit Transfers but don't know what they are really for? SEPA Credit Transfers are a Europe-wide transfer system for transferring euros within the European Union. It is one of the fastest, cheapest and safest ways to move your money within the 36 member states of the SEPA zone and their associated territories. What does SEPA mean? 🇪🇺 SEPA (Single Euro Payments Area) is a network initiated by the European Union that aims to make bank transfers in euros across Europe as easy as domestic transfers. ​ Which countries are included in SEPA? 🌍 SEPA currently has 36 Member States: ​ Eurozone countries in the European Union (20) Austria Belgium Croatia Cyprus Estonia Finland (including the Åland Islands) France (including French Guiana, Guadeloupe, Martinique, Mayotte, Saint-Barthélemy, Saint-Martin (French part), Réunion and Saint Pierre and Miquelon) Germany Greece Ireland Italy Latvia Lithuania Luxembourg Malta Netherlands Portugal (including Azores and Madeira) Slovakia Slovenia Spain (including the Canary Islands, Ceuta and Melilla) France * : Excluding French overseas collectivities French Polynesia, New Caledonia, and Wallis and Futuna. ​ SEPA currently applies in a complementary way to national credit transfers in SEPA countries that are not part of the euro area (see below). In these countries, it is still possible to receive payments via both systems: SEPA for payments in euro and the national payment system in the country's currency: ​ Non-euro area countries in the European Union (7) Bulgaria Czech Republic Denmark Hungary Poland Romania Sweden SEPA countries outside the EU, members of EFTA (4) Iceland Liechtenstein Norway Switzerland Microstates that have special monetary agreements with the EU (4) Iceland Liechtenstein Norway Switzerland The United Kingdom , although it has left the EU. How does a SEPA bank transfer work? 🚀 There are three types of SEPA bank transfers, all available with Qonto, which offer three different services: The standard SEPA credit transfer The instant SEPA credit transfer (available for incoming and outgoing transfers at Qonto). The SEPA direct debit (SDD) The standard SEPA credit transfer uses the IBAN (International Bank Account Number) and possibly the BIC (Bank Identifier Code) of the sender's and beneficiary's bank accounts to transfer money from one account to the other. Once the transfer has been authorized, the recipient must receive the money within one to two working days (24 to 48 business hours) after the payment has been made for a standard SEPA and within 10 seconds for an instant SEPA. ​ Please note: ⚠️The maximum amount for an incoming instant transfer is €100,000 . ⚠️ Your Qonto account cannot receive treasury/VSOT transfers. The rejection of a VSOT transfer may result in up to €30 in fees. How long does it take to receive a transfer? The time it takes for a SEPA transfer to be executed depends on the issuer's bank. Standard SEPA transfers Within the Single Euro Payments Area (SEPA), standard transfers are typically completed within 24 to 48 business hours . ​ Instant SEPA transfers Instant SEPA transfers are processed in just 10 seconds . The maximum amount for an incoming instant transfer is €100,000 . If you're expecting an incoming SEPA transfer and haven't received it after 48 business hours , we recommend that the sender contacts their bank to make some researches. He can also request a proof of transfer. This document is useful for verifying the entered information. Please note: ⚠️ Your Qonto account cannot receive treasury/VSOT transfers. The rejection of a VSOT transfer may result in up to €30 in fees. ⚠️An internal SEPA transfer (from a Qonto account to another Qonto account) is processed as an Instant payment (the funds will be credited within 10 seconds). ​ You're expecting a SWIFT transfer? 👉 See this article to get information on incoming SWIFT transfers receiving time : How can I receive an international SWIFT transfer? ​ You have yourself initiated a transfer? 👉 See this articles to get information on outgoing transfers receiving time : When will the beneficiary receive my transfer? ​",https://help.qonto.com/en/articles/5276126-what-is-a-sepa-transfer-and-how-long-does-it-take-to-receive-it "How to add, edit or delete a beneficiary?","We made it easy to add a new beneficiary at any time. You can also edit one of your beneficiary details whenever you want. Add a new beneficiary You can add new beneficiary details at any time. 💻 On your web app Go to the Business Account section Go to the Transfers section Click on the black + Make a transfer in the top right corner of your screen You will have 2 choices : 1- Upload an invoice If you have an invoice, upload it right now! The system will gather information on the invoice whenever it is possible (beneficiary / iban, amount, reference), You will be able to modify any field, the account to debit, schedule a recurrence, send notification to the beneficiary, add bookeeping details. 2- I don’t have an invoice If you don’t have an invoice, follow this steps: Go to SEPA transfers in euros Select New beneficiary Enter beneficiary details (name / IBAN / category / beneficiary email / VAT rate and any label Enter your beneficiary's information, the VAT rate and any labels, then click on Continue Your new beneficiary has been added to your list! ☝️ Good to know: You will find your beneficiary details on the list on your right, in your Beneficiaries list . Do you want to make a transfer to this beneficiary? Save some time and select the details in just one click. The information of your beneficiary with the VAT rate and label will be automatically pre-filled. You won't have to put them again! 📱 On your mobile app On your mobile app, adding a new beneficiary can be done only when making a transfer. In the Menu section, click on Transfers , then on the black + icon in the top right corner of your screen. Click on New beneficiary and add its details. Make your transfer. Your new beneficiary will automatically be added to your list! Keep in mind that your team members and your accountant can also add a new beneficiary while sending you a transfer request. Edit an existing beneficiary Do you want to edit the details of one of your beneficiaries already on your list? Just follow these steps: On the web application: From the Pro Account tab, go to the Transfer section, click on Make a transfer > SEPA transfer in euros or Internal transfer in euros or SWIFT transfer in foreign currency Select the beneficiary concerned, then click on the 3 dots icon Edit the desired information The updated information will be applied to all transfers issued to this beneficiary! On the mobile application: Go to the Menu section, click on Transfers , then on the black + icon in the top right corner of your screen. Select Add transfer details Choose Transfer in euros or Transfer in foreign currencies Choose the account to debit Swipe left on a beneficiary's name, then tap Edit Edit the desired information The updated information will be applied to all transfers issued to this beneficiary! You can also edit a beneficiary by clicking on the Suppliers section under Bookkeeping in the Advanced section, on the left bar. Click on the beneficiary you want to edit, and then click on the little pencil that appears when you hover the card on the top right corner. 👉 Tips : If you have a one-time transfer to make to one of your suppliers, you can avoid filling manually all the information of the supplier by making this payment via the Suppliers invoice Section. Delete a beneficiary You also have the ability to delete a beneficiary at any time from your web page or mobile application. On the web application: From the Pro Account tab, go to the Transfer section, click on Make a transfer > SEPA transfer in euros or Internal transfer in euros or SWIFT transfer in foreign currency Select the beneficiary concerned, then click on the 3 dots icon Click Delete On the mobile application: Go to the Menu section, click on Transfers , then on the black + icon in the top right corner of your screen. Select Add transfer details Choose Transfer in euros or Transfer in foreign currencies Choose the account to debit Swipe left on a beneficiary's name, then tap Delete 💡If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone.",https://help.qonto.com/en/articles/4553372-how-to-add-edit-or-delete-a-beneficiary How does pagoPA work on the Qonto mobile app?,"PagoPA is a platform that allows you to make any type of payment to Central and Local Public Administrations (PA) : taxes, fees, utilities, memberships, stamps and any other type of payment. For more information you can visit our dedicated article: What is pagoPA? Thanks to the direct integration with the pagoPA platform, you can pay your payment notices directly from the Qonto app, from your desktop or mobile. Where do I find the pagoPA section on the mobile app? You can find the pagoPA section by clicking the More button at the bottom right of the main screen of the Qonto app. How can I make a payment from the mobile app? You can make the payment in 2 ways: Scan the QR code you find on the payment notice Enter manually the unique code and tax code of the creditor entity . You can find this information on the payment notice At this point, you must select the current account to charge the payment and confirm the operation from the final summary screen . 💡 If you choose to pay by scanning the QR code, for your first payment via mobile app, you will be asked to allow access to your smartphone's camera. Can I keep track of payments made previously? Yes, in the History section, pagoPA payments are marked as pagoPA. Where can I find the payment receipt? Once the operation has been completed, the payment receipt will be automatically attached to your transaction and can be viewed in the History section. I can't pay by scanning the QR code, what should I do? If the application is unable to detect the QR code, an error message will appear. We suggest following these instructions: Make sure your smartphone's camera is not darkened or covered Make sure you have authorised the Qonto app to access the camera (you can manage app permissions by going to your smartphone settings) Activate the flash or go to a well-lit place Place the payment notice on a dark background Alternatively, remember that you can always pay the pagoPA notice by entering the data manually . Can I pay the same notice twice? It is not possible to make the same pagoPA payment twice. If you try to pay a notice that has already been paid, the system will display an error message.",https://help.qonto.com/en/articles/7151000-how-does-pagopa-work-on-the-qonto-mobile-app Qonto App,"The is available in the Play Store and App Store . APK If you'd really like to use Qonto without a Google / Apple account, you can download our Android application by clicking on this link. To complete the download, you'll need to access your device's Settings . In principle, you'll need to go to Settings > Security > Allow unknown apps (navigation may vary from one device to another). By downloading this application, you will be responsible for updates , available from the same link, to ensure its operation. ⚠️ Please note that we do not guarantee an optimal user experience when using this application. Its operation is optimized via the Play Store and l’ App Store . We therefore advise you to use this option only as a last resort. Account opening If you wish to register, open the account by clicking here . When using your computer, choose one of the available websites for the current markets: 🇩🇪 DE , 🇫🇷 FR , 🇪🇸 ES , 🇮🇹 IT . It is not yet possible to proceed at your capital deposit using the application. If you want to know more about Who can open an account at Qonto? please read the mentioned article. ​",https://help.qonto.com/en/articles/4359665-qonto-app Why do you have to declare your tax residence information?,"🇫🇷 This article is only applicable to companies registered in France. As you know, Qonto is a regulated financial institution. We are under the obligation to disclose to the competent authorities our customers who are US tax residents or tax residents of a country other than France. This is nothing to worry about and is merely an administrative formality. Are you a US citizen or tax resident? Is your business taxable in the US? Complete the form and send us your US Tax Identification Number or your company's US Tax ID number. This is the number you normally use for all your administrative and tax procedures. For individuals, this is the Social Security Number (SSN) or Employer Identification Number (EIN). Find out more For companies, you will find this number on your tax return. Please do not take too long in replying to this request. If you do not answer, and if you are a US tax resident, you may be liable to a flat-rate withholding tax of 30% on some of your US income in compliance with their regulations. Are you or your company tax residents in a country other than France or the United States? Complete the form and send us your Tax Identification Number or your company's Tax ID number, if you have one. You can find it on your tax return or your company’s tax return. Find out more Please note that not all countries have a Tax Identification Number. If yours is one of these, stating the country of your tax residence or that of your company will suffice. Is your company a Passive Non-Financial Entity (PNFE)? If your tax residence or your company’s tax residence is based in the United States or in a country other than France, then you must inform us whether your company is a Passive Non-Financial Entity (PNFE). What is a PNFE? A PNFE is considered to be passive, when more than 50% of its income is said to be ""passive"" (dividends, rent, interest, capital gains, etc.) or when more than 50% of its assets generate passive income. For instance, this is the case of a family-owned property company, an asset management company or an investment fund. Is one of the beneficial owners, in your passive PNFE company, a tax resident in the United States or in a country other than France? Simply provide us with his or her surname, first name, date/place of birth, and tax ID number. ☝️ As a reminder, a beneficial owner is an individual who owns more than 25% of the capital, voting rights, or any other controlling power over a company.",https://help.qonto.com/en/articles/4359523-why-do-you-have-to-declare-your-tax-residence-information Why do we ask for information about your business finances during your account opening ?,"As a payment institution , Qonto operates under the supervision of the ACPR ( Autorité de Contrôle Prudentiel et de Résolution ) and is subject to: Regulations related to anti-money laundering, The implementation and compliance with internal compliance and security rules, The collection of information on the business activities of its clients. Therefore, by asking our clients to declare their sources of funding, we aim to: Understand our clients and their needs, Understand the financial situation of our clients and their organization, Build a strong professional and commercial relationship, Provide the highest quality of service.",https://help.qonto.com/en/articles/8870499-why-do-we-ask-for-information-about-your-business-finances-during-your-account-opening How do I fill in my existing company’s ultimate beneficial owners’ information during the registration process?,"Have you just started your registration and need help filling in the ultimate beneficial owners’ information (U.B.O.)? You have come to the right place! Because your time is precious, at Qonto we have designed your registration process to be the fastest and more efficient possible to create your professional account. Let’s get straight to the point: You have reached step 5 of your registration process and have just confirmed your personal address. Now, you need to check your company’s U.B.O.s information. At this stage, you can find yourself in one of the three different scenarios below : 1️⃣ The information of all U.B.O.s was automatically filled in: You don’t have to take any action but proceed to step 6 of the registration process: the choice of your offer . 2️⃣ The UBOs are listed, but some information is missing: The mention « Missing Information » appears next to the name of the concerned U.B.O. You have to click on the « Provide Information » button to complete their personal information and upload a high-resolution photo of their identity document . 3️⃣ The U.B.O.s are not listed at all : You have to add their information manually, using the button « Add another beneficial owner ». You have to complete their personal information and upload a high-resolution photo of their identity document . Please have in mind that in case you are facing scenario 2️⃣ or 3️⃣, we will need you to provide one of the following documents, to confirm the current U.B.O.s list of your company : Bylaws General meeting minute Financial statement INPI's Document de synthèse définitive or Extrait d'Immatriculation ​ INPI's Document de synthèse de dépôt are not admissible. Our customer support team will reach out to you by email, once your registration is done to request one of these proofs. Save time and prepare the document right now! 🚨 One of the U.B.O.s passed away ? Please contact us via [email protected] .",https://help.qonto.com/en/articles/6187369-how-do-i-fill-in-my-existing-company-s-ultimate-beneficial-owners-information-during-the-registration-process What documents do I need to open a Qonto for my association with a territorial branch?,"If your association is a territorial branch (local, provincial, regional), you will need to provide us with the following documentation to proceed with your registration for Qonto: Your Association is registered to the Chamber of Commerce: Visura camerale not older than three months. Otherwise: Bylaws of Association of the branch you are registering for, signed and stamped by the Agenzia delle Entrate*; Certificate of allocation of the fiscal code signed and stamped by the Agenzia delle Entrate**. *Alternatively, we can also accept the copy of its electronic receipt. ** We can also accept its electronic copy, containing the Association’s information and the fiscal code/VAT. If your association does not have its own bylaw, but adopts the one of the head office, we will ask you to provide: The statutes of the head office, mentioning that the territorial branch adopts the statutes of the head office. The document needs to be signed and stamped by the Agenzia delle Entrate*. Alternatively: If the general bylaws has no mention of the territorial branch association adopting the bylaws of the head office, you may provide us with the minutes of incorporation of the territorial association, in which your association agrees to adopt the bylaws of the head office. This document also needs to be signed and stamped. For further information, please do not hesitate to contact us at [email protected]",https://help.qonto.com/en/articles/6366845-what-documents-do-i-need-to-open-a-qonto-for-my-association-with-a-territorial-branch Why does Qonto perform a regulatory check?,"In compliance with the requirements of the Monetary and Financial code , Qonto needs to collect and review specific information about: The company you are opening a current account for The individuals using your company's Qonto account While we are proceeding with legal verifications, you have access to your Qonto account. However, restrictions apply until your company identity is confirmed: You can create cards but you will only be able to receive or use the cards, see their numbers after the validation of your information. The ordered cards could not be shipped. You can initiate transfers but they won't be completed until we confirm your identity. If you are an Employee on the Business and Enterprise subscription, you won’t be required to confirm your identity and will be able to make transfer request, submit expense report and get an Instant card. We will request a proof of identity only if you need a virtual or physical card. These regulatory checks are aimed at preventing money laundering, terrorism, and fraud in general. They generally take 24 hours, but can last up to 5 business days for very specific cases. We will be able to receive incomes while your account is under verification. You'll receive a confirmation email as soon as verifications regarding your company are finalized and limits of use will be automatically removed.",https://help.qonto.com/en/articles/4359529-why-does-qonto-perform-a-regulatory-check Where can I find my or my team member’s fiscal code?,"If you are an Italian citizen or resident and your company is registered in Italy, you should have been provided with a fiscal code . For tax reporting purposes, Qonto needs to collect this information for any Qonto account owner, beneficiary owner or team member with access to the account. Your or your team member’s fiscal code can be found either: On the back of the biometric ID card; On the front of your health insurance card; Or you can generate the fiscal code using this online tool and verifying it on the official government database. We require the fiscal code when you sign up for a new Qonto account in Italy or to enable tax payment abilities through F24 . ☝🏼Good to know: If you, your beneficiary owner, or a team member do not have a fiscal code, please do not hesitate to contact our customer support team. Please be prepared with a proof that you or your team member is not an Italian citizen or resident by sharing an ID card and proof of address",https://help.qonto.com/en/articles/5095946-where-can-i-find-my-or-my-team-member-s-fiscal-code How do I make a transfer to my Qonto account?,"💡 If you are looking to add money to your account for the first time, you can choose to top it up by using a different bank card of yours or via Google Pay. It's easy and instant, more on it here . You can top-up your Qonto account by wiring money to it through a simple bank transfer, of the amount of your choice. From an account in the SEPA zone In this case, the procedure is standard and quite easy to achieve. In order to transfer money to your account, simply initiate a bank transfer to your Qonto account using its IBAN (International Bank Account Number) and BIC (Bank Identifier Code) numbers. Both numbers are included in the 'Welcome email' you received when opening your Qonto account. However, it is also accessible online . In the Business account section, click on Accounts and See account details . Your account can receive both standard and instant SEPA transfers. ​ From an account outside the SEPA zone From an account outside the Eurozone, it's just as simple. Qonto allows you to receive transfers from most countries in the world, in most currencies, via the SWIFT network (Society for Worldwide Interbank Financial Telecommunication). All you have to do is initiate a bank transfer to your Qonto account using your IBAN and BIC numbers, you will find this information in the same place as for a SEPA transfer.",https://help.qonto.com/en/articles/4359537-how-do-i-make-a-transfer-to-my-qonto-account How to ensure a successful account transfer,"I - How to prepare for your account transfer 1) Make a list of all the changes to be considered First and foremost: Verify which products can be transferred to Qonto: check your savings accounts, investments and ongoing loans. List all the bank services you have currently and that you will need to close with your previous bank. Such as: automatic exports to your accountant; your e-mail and SMS alerts; your digital safe; your loans; your overdrafts. 2) What specific situations might I run into? With your Qonto account, your SME can benefit from our partnership with Zettle . If you receive payments from your clients by automatic direct debit, click here for all the information you need to switch them to your Qonto account. II - What is involved in an account transfer? 💡 Qonto offers you a free support service for your business banking mobility. You will be able to synch any transactions you would like to transfer, and you will receive a customized dashboard with the steps to be completed. A dedicated advisor will be there to guide you every step of the way. You will find more information below. 1) How long does an account transfer take? We kindly ask you to note that switching may take up to 6 months. 2) What steps are involved in an account transfer? Once your Qonto account is open, you can: Add funds to your account; Order virtual or physical cards to initiate your first payments; Open multi-accounts, if you have a Standard or Premium plan; Connect your account to our accounting or management tools via Connect. To take full advantage of Qonto, you will then need to switch all your features over to Qonto. To do so, start by making a list of all the changes to be taken into account. You will then be provided an overview of the steps to be completed: Your recurring transfers . Take note of your transfer recipients and find their information; Your automatic direct debits known as mandates; Any checks issued which have yet to be cashed. Be sure to keep your previous account open and avoid transferring your funds to Qonto until these checks have been cashed; Card payments in progress or yet to be recorded. Similarly, if these payments are deferred, be sure the balance in your previous account is sufficient to cover these payments. Once you have a complete overview of the actions to be completed you are in control! change the following elements to switch to Qonto: Modify your banking information on all your direct debit mandates and direct debits by card. Notify clients who issue payments via transfer of your new IBAN. Avoid issuing new checks or deferred payments with the account you are planning to close, as they may by cashed after the account has been closed. Check that the balance of your new and previous accounts is sufficient to cover all expected payments. This will help you avoid issues with payment defaults. 3) How Qonto offers you support throughout your account transfer process Our account transfer service is designed to help you complete the steps for your account switch easily. At every step Qonto offers you free support to make the transition seamless. In order for us to build an action plan for this transition you will need to connect the account you wish to transfer to our secure aggregator Bridge. Once this will be done a dedicated advisor will analyze all your recurring transactions. You will also have a personalized dashboard that you will be able to use to monitor every step of the account switch. Do you want to learn more about the account transfer service? Have a look at our article on the topic . III - When and how to close your account Once all the actions needed to switch your account have been completed and you have received confirmation that they have been noted by your clients and suppliers, you can begin closing your previous account. Feel free to check out our summary document on the points to be verified, as well as a standard letter to send your bank to request to close your account. These documents are available on your account transfer interface from the main menu.",https://help.qonto.com/en/articles/5120342-how-to-ensure-a-successful-account-transfer How does the account transfer service work?,"The account transfer service is a service that helps you transfer your professional account from any other bank to Qonto. At the moment, this service is only available in France. With this service, you will: Benefit from a tailored account transfer plan, based on the analysis of your transactions; Follow the progress of your transfer at any time from a customised dashboard; Enjoy a dedicated support by one of our agents. This service can be used for free by all Qonto Owners and Admins, whether they are a new or existing customer. I - How is my account transfer plan created? The account transfer starts with the creation of a custom plan catered to your needs. A dedicated Qonto agent will study your transaction information in order to create a customised action plan. These informations are synced between your former account and Qonto through a secure aggregation tool. 1) How does the bank aggregation process work? In order to get your account transfer plan, you will need to start by syncing your previous account with Qonto through the aggregation tool Bridge by Bankin'. Bridge will scan the complete list of your transactions over the past 12 months to identify all the incoming and outgoing transactions that will require an action on your part: direct debit mandates, transfers and card payments. Once your transactions are scanned, you will get access to the complete list of actions that you'll need to perform, such as making changes to a direct debit mandate, changing your card codes or notifying your customers. ☝️ Good to know: Bridge is a service that allows you to access and retrieve your account information in a totally safe way. You keep control over your data and can ask your dedicated agent to delete them at any time. 2) How do I sync my bank account with Qonto? To benefit from the service, simply visit the account transfer page by clicking on this link . You can also access it through Settings in the bottom left, then click on the Account transfer button. Once you access the service, start filling your bank account details to connect it to Qonto. Do you have several bank accounts in the same bank? You can select which one or which ones you want to switch and sync with Qonto. ✌️ Good to know: If you close the Bridge configuration process before finishing it and then try to reconnect, you are likely to receive an error message telling you an account already exists. In this case, please contact our Customer Support via the dedicated button: one of our agents will help you out. 3) How do I receive my account transfer plan? Once your account is synced, you'll be invited to book a meeting with an agent, who will analyse your needs. Based on this, we'll prepare and send you your account transfer plan. II - How does the account switch work? Once your bank switch plan is ready, you take the lead on your transition. Your dedicated agent will remain available at any time to help you, by email or by chat. Among other things, he can: Guide you during your actions; Confirm an action is complete or not; Tell you about changes on your accounts. Once your bank switch is finalised, you can then close your former bank account and fully enjoy Qonto!",https://help.qonto.com/en/articles/5020434-how-does-the-account-transfer-service-work How to follow my account transfer progress?,"From the dedicated dashboard, accessible from this link you will be able to: Consult your account information ; Consult the status of your transition; Chat with an advisor. How do I keep track of all my actions? For a complete list of the account transfer actions to be completed, open the Invoices section in the side menu. In the Suppliers invoices section, you will see a list of your outgoing payments. In the Clients invoices section, you will see a list of your incoming payments. When you click to open one of these two sections, you will receive a complete list of actions that have yet to be completed, sorted into categories (direct debit, payments by card, transfers, and more). When you have completed an action, simply check the box on the card to mark it as completed. When you have no more cards remaining in your menus, your transfer is complete! You can then close your transfer by clicking on End the transfer on your interface and then close your previous bank account.",https://help.qonto.com/en/articles/5145573-how-to-follow-my-account-transfer-progress What kind of identity documents are accepted by Qonto?,"To comply with the rules imposed by the Code monétaire et financier, we are required to verify the authenticity of the identity documents of all Qonto users, as well as the information they contain. These checks are necessary to prevent fraud, money laundering and terrorism. We accept different types of documents based on country registration: French companies Italian companies Spanish companies German companies",https://help.qonto.com/en/articles/4359525-what-kind-of-identity-documents-are-accepted-by-qonto What documents do I need to open a Qonto account for my cooperative based in Italy?,"1 - Personal Identity documents: For Chairman of the Board of Directors and Deputy Chairman of the Board of Directors (if any): One valid identity documents. You can find the complete list of accepted documents here. 2 - Documents related to the company: Visura ordinaria 👉 Only the President or a natural person expressly delegated by him can open a Qonto account in the name of the company (more information here ). 👉 Cooperatives - With reference to the updates on the collegiate administration of cooperatives in the 2018 Budget Law (Law 27 December 2017, no. 205, Article 1 paragraph 936), the presence of at least 3 directors is required. ​",https://help.qonto.com/en/articles/5814389-what-documents-do-i-need-to-open-a-qonto-account-for-my-cooperative-based-in-italy Where can I find the information of my Italian company on the ordinary chamber of commerce certificate?,"During the registration process, we ask you to have at hand the Registration document of your Company ( Visura Camerale ) in order to be able to provide all the information requested by Qonto. Below you will find a a glossary to understand which information we need and where to find the data that will be requested to complete the registration. Company name ( Ragione Sociale ): The name of the company as per the Commercial Register (e.g., xxx SRL); Legal form: This field specifies the company's legal form ( i.e., Sole proprietorship, SAS, SRL, SRLS, SPA ); Legal registration date ( data d'iscrizione ): The exact date when the company has been registered within the chamber of commerce; Your company's registration number : this is the REA number that can be found right below the PEC address in the Registration document of your company. 👉 If you are a free-lancer, you will need to provide us with your TAX code; EU VAT number ( Partita Iva comunitaria ): The VAT number that allows for intra-community commercial operations with countries belonging to the European Community.",https://help.qonto.com/en/articles/5671352-where-can-i-find-the-information-of-my-italian-company-on-the-ordinary-chamber-of-commerce-certificate What is considered as a valid proof of address for companies?,"When you make your capital deposit with Qonto, we ask you to justify the address of your company's future headquarters. Find below the list of necessary documents according to your situation! What is your situation? Your company is hosted by one of the associates, we need 👥 : A proof of address in your name or in the name of one of the associates, at the address of the future office. Your company is not hosted by one of the associates, but : By a third-party person 🧍‍♂️, we need an attestation of domiciliation ( model attached ) signed by and on behalf of your host and a proof of address . ​ ​ By a domiciliation agency, a business incubator, a coworking space, a school or a public institution 🏢 , we need a certificate or domiciliation contract issued and signed by this host organization (or its representative) and less than 3 months old. ​ ​ By a company 🏭, we need an attestation of domiciliation ( model attached ) in the name of the company, plus a proof of address in the name of the host company or a Kbis less than 3 months old for this address. ​ ​ In a Commercial Premises 🏪 , we need a signed commercial lease contract or a property title less than 3 month old or a proof of address . ⚠️ Important: Your documents must be perfectly readable, in PDF, JPEG or PNG format and in color! You can take your proof in photo with your smartphone. Download - Template - Letter of Authority from the Property Owner",https://help.qonto.com/en/articles/4359538-what-is-considered-as-a-valid-proof-of-address-for-companies What is considered as a valid proof of address for natural persons?,"When you do an account opening at Qonto, you may be asked to provide us with a recent proof of address . Find below the list of documents accepted by our services: An invoice from an internet or telephone provider , issued less than 3 months ago. An invoice from an energy supplier (electricity, water, gas), issued less than 3 months ago. A certificate of contract holder from your energy supplier, generally available on the customer area (provided by EDF for example ), issued less than 3 months ago. A payment schedule from an energy supplier (electricity, water, gas), issued less than 6 months ago. A rent receipt , issued less than 3 months ago . A rental lease , signed less than 3 months ago . An invoice or certificate of home insurance , issued less than 3 months ago. A home insurance contract signed less than a year ago or a due notice dated less than a year ago. An invoice or contract for the collection of garbage , issued less than a year ago. A tax notice or a notice of non-taxation: The last valid income tax notice (less than 1 year old) or the Housing Tax (less than 1 year old) or Property Tax (less than 1 year old). A notarial deed of less than one year . 👆 Good to know: it is necessary that the document you send includes the postal address of your place of consumption. We take into account the place of consumption and not the address of the mailbox. If you do not have a proof of address at your first and last name, you can provide us : A certificate of accommodation dated and signed by the hosting provider. A color copy of your hosting provider's identity document. ( What kind of identity documents are accepted by Qonto? ) A proof of residence on behalf of your hosting provider (see the list of accepted documents above). ⚠️ Important: In order to validate your file quickly, your proof of address must: Be in color Be perfectly readable and crisp (it must not be blurred or stained, no shadow or flash must hinder the document) Be complete (truncated documents will be refused) Indicate a consumption address identical to the one you entered when registering Be part of the list indicated at the beginning of the page Coming from a member country of the European Union or the EFTA area. Be preferably in PDF format (downloaded directly from your customer area)",https://help.qonto.com/en/articles/4359536-what-is-considered-as-a-valid-proof-of-address-for-natural-persons What documents do I need to open a Qonto for my association based in Italy?,"How can I open a Qonto for my association based in Italy? If you want to open an account for your association, follow these steps and get the following documentation ready at hand: 1 - Personal Identity Documents How to provide the requested documents? Follow the instructions in this article! For President, Vice-President, Secretary, Treasurer (if any): A valid identity document - you can find the complete list of accepted documents here. 👉 Only the President or a natural person expressly delegated by him can open a Qonto account in the name of the company (otherwise, we invite you to click here to download the general power). 👉 According to our internal policies, Qonto reserves the right to accept an association only when its executive board is expressly made of a minimum of 3 members. Thus, we need to be able to identify the following roles of the executive board in the documents requested for your Association: President; Vice - President; Secretary; Treasurer (if present, it may cover one of the above mentioned roles, as per national directives). 2 - Association’s documents: If your association is registered to the Chamber of Commerce: Visura camerale (Company Registration Certificate) not older than three months. Otherwise, prepare the following documentation: Bylaws of the association, signed and stamped by the Agenzia delle Entrate*; Certificate of incorporation, signed and stamped by the Agenzia delle Entrate*; Certificate of allocation of the fiscal code signed and stamped by the Agenzia delle Entrate**. If the roles of the members of your executive board are not specified inside the above mentioned documents: Updated meeting minutes, dated and signed by the participants at the meeting (or at least President and Secretary) Additionally, if your association is affiliated to one of the national registries: Extract (or receipt) of registration in the category register (national register, regional register, Onlus register, certificate of registration with CONI). *Alternatively, we can also accept the copy of its electronic receipt. ** We can also accept its electronic copy, containing the Association’s information and fiscal code/VAT. 👉 If you are registering the local/provincial/regional seat of an association, remember to send us the bylaw, or minutes of incorporation of your seat and not the ones of the general seat. NB: The associations that can currently open a Qonto account are: Associations of social promotion (APS); Voluntary organizations (ODV); Associations carrying out an activity of general interest under the ETS reform. ⚠️ At the moment, associations between professionals, committees, NGOs (Non-Governmental Organization - In English NGO) and public administrations or with public participation, as well as entities managed, coordinated or controlled by these entities cannot open a Qonto account with us yet.",https://help.qonto.com/en/articles/5775002-what-documents-do-i-need-to-open-a-qonto-for-my-association-based-in-italy "My company is registered, which documents do I need to open an account?","For regulatory reasons, we need to verify some of your information before validating the opening of your future Qonto account: 1 - Your ID You can take a photo or drop off a copy of one of your valid ID documents (see here ). an identity card (front and back) a European passport (both pages) a French residence permit (front and back) All information must be clearly visible. We advise you to pay attention to the quality of the photo and the copy if you want to validate your account as soon as possible. 2 - And your ultimate beneficiaries' owners (UBO) ones An ultimate beneficiary is a natural person who owns, directly or indirectly, more than 25% of the capital or voting rights of the company. If your company is a SAS ('Société par Actions Simplifiée'), SASU ('Société par Actions Simplifiée Unipersonnelle'), SARL ('Société à Responsabilité Limitée'), EURL ('Entreprise Unipersonnelle à Responsabilité Limitée') or an SCI ('Société Civile Immobilière'), you need to provide a copy of a valid ID for each ultimate beneficiary owner. 3 - Your company's registration documents You can take a photo or submit a copy of one of your registration documents. Kbis dated less than 3 months (for your registered company) INPI's Document de synthèse définitive or INPI's extrait d'immatriculation dated less than 3 months (for your registered company) INSEE's situation notice dated less than 3 months (for your individual company) Your company information must be up-to-date in the legal databases.",https://help.qonto.com/en/articles/4359535-my-company-is-registered-which-documents-do-i-need-to-open-an-account How to take a good picture of your identity card / passport / residence permit?,"In order for the photo of your identity document to be valid to complete your registration, we invite you to take two photos of your document directly with your smartphone: A photo of the front A photo of the back A photo of both passport pages ❗️We do not accept screenshots Make sure that all the information in your identity document is clearly readable for our agents in charge of verifying your identity. Most photos are not accepted due to poor image quality. If this is the case, you will have to upload your document again, thus extending the processing times for your registration. Find how to take good-quality photos ✅ Make sure that your identity document is not damaged and that all information is readable (if the document is cut, worn, or if parts are damaged) use another document Sit in a bright place and place the document on a table with no other objects around When taking the photo with your smartphone, focus on the entire document as its 4 corners must be visible After taking the two pictures, front and back, check that all the information is easily readable before the upload to avoid repeating this step Here are the common mistakes you should not make ❌ The photo is blurry ❌ The photo is cropped ❌ Light reflections make the information unreadable ❌ The photo is too dark ❌ The ID is crooked ❌ 💡 Additional tips: Clean the lens of your cell phone Hold your phone securely without moving Frame well the 4 corners of the document After taking the photo, make sure the information is legible. If you are not sure about the quality, please take a new one before sending ​",https://help.qonto.com/en/articles/5756606-how-to-take-a-good-picture-of-your-identity-card-passport-residence-permit "I want to open a Qonto account for my association, how do I do it?","Qonto accept the on-boarding of your association 🙂 Here is the list of accepted associations in detail: ✅ Declared association ✅ Declared association (economic integration companies) ✅ Association declared to be of public utility ✅ Association of lawyers with individual professional responsibility ✅ Intermediary association However, we reject the associations below: ❌ Local law association ❌ Undeclared association ❌ Authorized union association ❌ Free Trade Union Association ⛔️ We do not accept association without SIREN / SIRET number. In order to allow you to open an account as smoothly and quickly as possible, with a minimum of exchanges with the customer service, we invite you to prepare your registration by having in your possession: The status of your association up to date The publication of the creation of the association in the Official Journal The General Assembly report (in case of changes within the association: e.g. change in board members) The identity document of each member of the board of the association ( among the identity documents that we accept ) These documents will be requested by e-mail shortly after your registration and the signature of the contract. The deposit of these documents in the associated form will allow you to open an account as soon as possible 😇 Do you meet all these requirements? Join Qonto for a privileged experience and support, and take advantage of 1 month offered without commitment.",https://help.qonto.com/en/articles/5341439-i-want-to-open-a-qonto-account-for-my-association-how-do-i-do-it Can I create multiple accounts for my company / association?,"🇫🇷 This English FAQ is addressed to French companies, if your company is German, Italian or Spanish, change the language of this FAQ to see the correct documentation. One account per organization At Qonto, each company or association can only have one account. We base ourselves on the SIREN number (9 digits), and not on the SIRET number (14 digits). Thus, there cannot be several accounts for the same SIREN number, ie for the same organization. What is the difference between SIREN and SIRET? The SIREN number (Company Directory Identification System) consists of 9 digits and identifies the company as an entity. It is a unique code that will remain the same throughout the life of the company. The SIRET number (System of Identification of the Directory of Establishments) is composed of 14 digits and allows each establishment of the company to be identified. Each SIRET is thus linked to a specific address. Creation of duplicate accounts However, thanks to the multiple accounts feature , you can quite easily have, on the same account, several sub-accounts with dedicated IBANs, as well as account statements and means of payment specific to each of these sub-accounts. ​ ​",https://help.qonto.com/en/articles/5713597-can-i-create-multiple-accounts-for-my-company-association Sole proprietor (Einzelunternehmer) & Freelancers (Freiberufler),"What documents does Qonto require when registering as a sole trader or freelancer? Qonto offers business accounts for companies registered in the German Commercial Register, as well as for sole traders and freelancers. Sole proprietorships are companies, that are founded by a single person who have registered their activities with the Trade Licence (Gewerbeschein). The sole proprietor owns their business 100% and can make decisions without having to consult a co-owner or a co-managing director beforehand. Freelancers are entrepreneurs with particular professional activities or particular academic backgrounds (e.g. lawyers), who render their services independently and who have declared their activity to the tax office (Finanzamt). 📃 What documents does Qonto ask for? A valid proof of identity The documents accepted as proof of identity can be found under the following link . Legal Documents After registering or re-registering the company, you shall receive a legal document. Find a sample document below: Sole Traders Trade Licence (Gewerbeschein) Trade licence must be signed and stamped (except if it is explicitly mentioned that it’s valid without signature and stamp). Freelancers Tax Letter (Brief vom Finanzamt) The tax letter must explicitly mention your tax number and activity. During the registration process, you’ll need to upload the legal document and the proof of address, if necessary (see step 3). Since this information is legally required, if we don’t receive the document and the tax number , after the 30-day period, your account will be suspended for the 30-day closing period. Note that this closing process takes another 30 days. During this closing period, you won’t be able to take any actions, but you’ll only have the view access. Nonetheless, you will still have the option to upload the missing information. If not, we will unfortunately need to close your account permanently. If you don’t have a trade license (GewA1 or GewA2), contact your local trade office (Gewerbeamt) or tax office for a tax letter (Finanzamt) to request a new copy. An official proof of address (optional) If the address on the legal document is no longer current, upload a current proof of address (no older than three months). That could be an electricity bill or your tax assessment notice. If not available, take another document from an official source that proves your new address. ⚠️ I mportant : Ensure that all documents are uploaded in sufficient quality (resolution, legibility, completeness). We recommend that you take photos with a smartphone camera, bearing the following in mind: ✅ DOs ❌ DONTs High quality/resolution Blurred/pixelated Indirect and sufficient room lighting Light reflections (e.g. from scanner or flash) All edges and corners visible Missing pages Fully visible and legible information Screenshots or photos of secondary screens",https://help.qonto.com/en/articles/6456683-sole-proprietor-einzelunternehmer-freelancers-freiberufler "My company is not declared as active yet, may I still open a Qonto account? (Infocamere 🇮🇹)","Normally, inactive companies do not have the opportunity to continuously benefit from Qonto's services. For this reason, we have structured a specific procedure to ensure the opening of a business account even for companies in this situation. 😉 To verify if your company is correctly registered as "" active ,"" check the ""activity status"" on your Visura Camerale . Here's an example of active and inactive companies for comparison:  Starting from 04/07/2022, we have implemented the process for inactive companies, and you will have 180 days, instead of 90, to activate your company at the Chamber of Commerce. You will receive an email with all the necessary information to do so correctly. If your Qonto confirmation occurred before 03/07/2022, you will have 90 days to activate your company at the Chamber of Commerce. However, if your Qonto confirmation occurred on or after 04/07/2022, you will have 180 days to activate your company at the Chamber of Commerce. How do I activate my company? Activating your company is very simple, and it is a procedure that you can carry out directly online through the ComUnica service on InfoCamere or Registro Imprese! We recommend, in any case, that you complete the process by consulting your accountant or trusted intermediary to receive specialized support. My company is now active, what is the next step? Once your company is active, we ask you to send us, via email to [email protected] or through chat directly from your Qonto interface, within the limit of 90 days (for registrations before 03/07/2022) or 180 days (for registrations after 04/07/2022) from the opening of your account, one of the following documents: Ordinary Chamber of Commerce extract ( Visura camerale ordinaria) not older than three months, where the business activity status is indicated as active . Receipt of acceptance of the single communication attached to the outcome of the protocol evasion ( Ricevuta di accettazione di comunicazione unica unita all'esito evasione protocollo); Single communication for the establishment of the company ( comunicazione unica per la nascita d'impresa) where in the section regarding the communication's subject, the ""Start of activity for a company already registered in the Business Register"" must be checked ✅. At the bottom of the page, you can find facsimiles of the aforementioned documents. Note: In the absence of an official document, your account will be automatically closed. One of our agents will contact you to request an alternative IBAN in the name of your company to transfer any funds from the account. Note: You can open your Qonto account only once if your company is inactive. ​ Fac simile of the Receipt of acceptance of the single communication attached to the outcome of the protocol evasione ( Ricevuta di accettazione di comunicazione unica unita all'esito evasione protocollo) Fac simile of the Single communicationm for the establishment of the company ( Facsimile comunicazione unica per la nascita d'impresa)",https://help.qonto.com/en/articles/4947103-my-company-is-not-declared-as-active-yet-may-i-still-open-a-qonto-account-infocamere How does the account opening for a GbR at Qonto work?,"Qonto also offers business accounts for the legal form of Gesellschaft bürgerlichen Rechts (GbR) in Germany. General requirements Qonto accepts an account opening only for GbRs in Germany, which are founded for business purposes and whose partners are exclusively natural persons. The GbR must be registered with the Trade Licensing Office and have a tax number. 👆Please note that the account opening procedure differs depending on whether the partners of the GbR have agreed on joint representation or single representation. Opening an account for a GbR with joint management What information & documents are needed? You need the business registration for the company, the company data with tax number and the data of the partners. All partners need a valid proof of identity from an EU country, an EFTA country (Norway, Lichtenstein, Iceland, Switzerland) or a machine-readable valid German residence permit. All partners of the GbR have to legitimize themselves via video identification with IDnow. For more information on the proofs of identity accepted by Qonto, please click here: What kind of identity documents are accepted by Qonto? 👆 Joint representation means that all partners of the GbR can take actions for the company only with joint consent. This is the case if there is either no partnership agreement or joint representation has been agreed in the partnership agreement in the section ""Management and representation"". ​ How does the account opening work? Click here to start the account opening process for a GbR with Qonto. Enter GbR as the legal form Confirm your e-mail address for registration Enter the details of the company Upload the business registration for the company Select joint representation as the form of representation for the company After successful identification with IDnow, enter details of the partners. Select the price plan and digitally confirm the contract with Qonto (Olinda SAS). After that all partners of the GBR will receive a link to the video identification with IDnow. This is available in English and German. You will now receive your welcome email, you can already log in to your account and communicate your new IBAN to your business partners. Our team will check your data and documents and confirm the final account activation Here you can find the sample of a business registration Done! 🚀 Your account opening is now complete and your Qonto account is fully operational. 👆 As a first step, we recommend that you order Qonto cards and add more users to the account. Account opening for a GbR with single management What information & documents are needed? You need the business registration for the company, the company data with tax number, your partnership agreement (GbR contract) and the data of the partners. The person opening the account as account holder:in needs a valid proof of identity from an EU country, an EFTA country (Norway, Lichtenstein, Iceland, Switzerland) or a machine-readable valid German residence permit. The person opening the account as account holder:in must legitimize himself/herself by video identification with IDnow. For more information on the proofs of identity accepted by Qonto , please click here: What kind of identity documents are accepted by Qonto? 👆 Single representation means that all partners of the GbR can take actions for the company individually without the consent of the other partners. This is the case if individual representation has been agreed in the partnership agreement in the section ""Management and representation"". How does the account opening work? Click here to start the account opening process for a GbR with Qonto. Enter GbR as the legal form Confirm your e-mail address for registration Enter the details of the company and the partners of the partnership under civil law (GbR) Upload the business registration for the company Select single representation as the form of representation for the company Upload the partnership agreement of the GbR After that, the partner who opens the account will receive a link to the video identification with IDnow. After successful identification with IDnow, select the price plan and digitally confirm the contract with Qonto (Olinda SAS). You will now receive your welcome e-mail, you can already log in to your account and communicate your new IBAN to your business partners. Our team will check your data and documents and confirm the final account activation. Here you can find the sample of a business registration Here you can find the sample of a partnership agreement (GbR contract) Done! 🚀 Your account opening is now complete and your Qonto account is fully operational. 👆 As a first step, we recommend adding the other GbR partners as users to the account and ordering the first Qonto card. ⚠️Important: Please make sure that all documents are uploaded in sufficient quality (resolution, readability, completeness). We recommend that you take photos with a smartphone camera, keeping the following in mind: ✅ DOs ❌ DONTs High quality/resolution Blurry/pixelated Indirect and sufficient room lightingndirekte und ausreichende Zimmerbeleuchtung Light reflections (e.g. from scanner or flash light) All edges and corners visible Missing pages Fully recognizable and readable information Screenshots or photos from secondary screens",https://help.qonto.com/en/articles/6485195-how-does-the-account-opening-for-a-gbr-at-qonto-work What documents do I need to open a Qonto account for my Foundation with registered office in Italy?,"If you wish to open a Qonto account for your Foundation , you will need to have the following documentation at hand: 1. Identity documents For the Founder and the ultimate beneficial owners, when identified or easily identifiable, we will need: A valid identification document chosen from the list provided here . 💡How to provide a valid digital photo of your ID? Follow the instructions in this article . 👉 Please keep in mind that only the Founder or a person delegated by them can open a Qonto account on behalf of the Foundation (if you need a delegation template, you can download it from here ). 2. Documents regarding the Foundation Regarding the Foundation, you will need to provide us with: The proof of regisreation to the RUNTS ( Registro Unico Nazionale del Terzo Settore); 👉 We inform you that, from a legal stand point it's is essential for a Foundation to be registered in the RUNTS . If your Foundation is not enrolled, we won't be able to move forward with the account opening. Moreover, we will also need the following documents: The deed of corporation ; The statute ; The VAT number and tax code certificate ; The declaration of beneficial owners (you can use the template here ). ​",https://help.qonto.com/en/articles/6933217-what-documents-do-i-need-to-open-a-qonto-account-for-my-foundation-with-registered-office-in-italy Why do I have to register my company with Orias or Regafi?,"As you know, our activity is regulated and subject to compliance with the Monetary and Financial Code, and as a new financial institution we do not yet accept all legal forms or all activities. Qonto checks every activity of companies trying to open an account in accordance with this article . If the activity of your company and / or your APE code are present in the list below, you must register your activity with Orias or Regafi : Insurance (insurance broker, general agent or insurance representative) Loans (Intermediary in Banking Operations and IOBSP Payment Services such as mortgage brokers and brokers in banking operations) Financial investments (wealth management advisor or CIF, crypto-active) Crowdfunding 👉 Indicative list of APE codes: 6419Z; 6430Z; 6491Z; 6492Z; 6499Z; 6511Z; 6512Z; 6520Z; 6530Z; 6611Z; 6612Z; 6619B; 6622Z; 6629Z; 6619B; 6629Z. 💡 You will only be able to use your company's Qonto account within the framework of a corporate activity, for example for the payment of salaries, the payment of invoices, etc. However, you cannot use your Qonto account to collect funds on behalf of third parties, a situation for which Qonto will close your account with 30 days' notice. Why register my company ? Banking and insurance activities may either give rise to an authorization or approval from the ACPR (to appear on the Regafi) or require registration with Orias to obtain their unique Orias number specific to each company. ❗️If we find that a Qonto account is being used for activities that should appear on the ORIAS and / or REGAFI website, we may make the decision to close the account with 30 days notice. What if my APE code is 6630Z? Customers registered under this APE code are management companies. As such, Qonto may open a payment account for your corporate expenses (eg: invoices, salaries, etc.) subject to management company approval from AMF Geco (Autorité des marchés financiers). ""The AMF is an independent public authority whose mission is to ensure the protection of savings invested in financial products, investor information and the proper functioning of the markets."" Source What is Orias (Organization for the register of insurance intermediaries)? ""The Orias is a register of insurance intermediaries, created in France in 2007 to identify general agents, insurance and reinsurance brokers, insurance agents or agents of insurance intermediaries. The register of intermediaries in insurance counts the natural or legal persons authorized to carry out the activity of insurance intermediation in France. ORIAS ensures that all financial intermediaries are registered and meet specific compliance criteria. Registration is mandatory and carefully studied, which helps prevent fraud to policyholders. Once registered via the official website of the organization, the single register can be consulted by all policyholders, borrowers and savers."" Source What is the Regafi (Register of financial agents)? "" The register of financial agents (Regafi) lists the companies, French or foreign, which have obtained from the Prudential Control and Resolution Authority (ACPR) an authorization to exercise activities in France. It also lists the establishment agents French payment agency, operating both in France and in another State party to the Agreement on the European Economic Area. "" Source",https://help.qonto.com/en/articles/5771754-why-do-i-have-to-register-my-company-with-orias-or-regafi Can I open a Qonto account when my main business is in crypto-assets?,"If your main activity involves crypto-assets, and in particular if its corporate purpose is: Keeping or accessing crypto-assets; The purchase/sale of crypto-assets for legal tender; The exchange of crypto-assets for other crypto-assets; Operating a crypto-asset trading platform. Then you can open an account with Qonto for your corporate expenses (e.g. salary payments, bill payments, etc.)! ⚠️ On the other hand, you cannot use your Qonto account to collect funds on behalf of third parties for activities related to your clients buying/selling crypto-assets, and/or operating a platform. For the actors concerned, you must be registered or licensed to carry out your activities under local law (e.g. registration of PSAN with the AMF). Finally, two important clarifications: Clients whose main activity is to provide investment advice on crypto-assets or blockchain can also open an account with Qonto provided they are registered with the ORIAS. Not all activities related to digital assets are allowed (mining, NFT, metaverse, blockchain...). Qonto will proceed to a case-by-case analysis. An additional analysis will be conducted by our compliance team, resulting in an extended delay (over 24h) for the processing of these registrations.",https://help.qonto.com/en/articles/6302347-can-i-open-a-qonto-account-when-my-main-business-is-in-crypto-assets What are the eligibility criteria for the loan offers with Iwoca?,"For quick and easy financing, you can now get loans with Qonto and Iwoca! To find out more about the offer, please read as well our article on this topic. Do you want to take advantage of the benefits? The first step is to check whether your company and your project meet the eligibility criteria of the partnership. As a rule, Iwoca has the following requirements At least 3 months of operational activity; over €22,000 annual turnover; company registered in Germany. What documents do you need? Depending on the loan amount, Iwoca usually requires the bank statements of the last 90 days in PDF format, the BWA and SuSa of the last two financial years and the current BWA and SuSa. For loans up to €10,000, the bank statements are sufficient. Is Schufa information obtained? Yes, Iwoca usesthis information to speed up their analysis. Your creditworthiness is included in Iwocas credit analysis, but it is only decisive if there are hard negatives. Warning: Do not take any loans that you cannot repay.",https://help.qonto.com/en/articles/5355572-what-are-the-eligibility-criteria-for-the-loan-offers-with-iwoca "My account is not validated and my access is restricted, what should I do?","🇫🇷 This English FAQ is addressed to French companies, if your company is German, Italian or Spanish, change the language of this FAQ to see the correct documentation. You have just finalized your registration, you have your IBAN but your account is restricted. Once your registration is finalized, you will automatically receive the IBAN attached to your account, but this does not mean that your account is operational. 💡 Indeed, as long as your account is not activated you will not be able to make outgoing transfers but you will only be able to receive incoming transfers. This is why, you can send the IBAN directly to your customers. Why is my account restricted? If the functionality of your account is restricted, there may be several reasons that will have been communicated to you by email. We therefore invite you, first of all, to check your mailbox. We need a new photo of your ID/ Passport . The photo is of poor quality (pixelated, blurry, truncated document, in black and white). The identity document has expired. We are missing the front or back of your French identity card/residence permit or both pages of your passport. We are missing the identity document of one of the beneficial owners of your company. 💡 How to take a good photo of your French identity card / passport / residence permit? it's here . You must redo the identification video. In order to confirm your identity, an email may be sent to you so that you can redo the identification video made during your registration. It's very simple and it will only take you a few minutes! Just follow the instructions that you will see appear on the screen. It is important to be alone on the video. We need to verify your identity again with a Selfie. We need a final verification of your identity to protect your account from possible identity theft by sending a Selfie . 💡 For your selfie to be admissible, it is very important to follow the instructions given in the email. If all items do not appear in the photo, we will not be able to activate your account and its functionality will remain blocked. Share your geolocation. Don't forget to share your geolocation during registration. We need a delegation of power. You are the account holder but you are not the corporate officer of the company, so you will have to send us a delegation of power from the corporate officer to you as well as his identity document. We need an INSEE situation notice or a KBIS dating from less than 3 months. You are self-employed and your INSEE information is private. For us to be able to verify and validate your company's information, you must send us an INSEE situation notice dated less than 3 months. You are not self-employed and we need to verify information concerning your company, you will have to send us a KBIS or INPI's Document de synthèse définitive or INPI's Extrait d'immatriculation dating from less than 3 months. We need details about your business activity. If the activity of your company corresponds to one of the following APE codes: 6419Z; 6430Z; 6491Z; 6492Z; 6499Z; 6511Z; 6512Z; 6520Z; 6530Z; 6611Z; 6612Z; 6619B; 6622Z; 6629Z; 6619B; 6629Z; 6630Z we will need further details from you. ​ Why do I have to register my company with Orias or Regafi? Once all the documents have been received, we will activate your account as soon as possible and you will be able to take advantage of all its features. 🎉",https://help.qonto.com/en/articles/5954025-my-account-is-not-validated-and-my-access-is-restricted-what-should-i-do Who can open a Qonto account on behalf of my company?,"You can open a Qonto account if: You are the legal representative of the company; You are the chairman of an association or a cooperative; If you have a power of attorney and proof of identity of a legal representative. 👉🏻 A legal representative is an individual or entity that has the authority to act on behalf of the corporation in legal and business matters. In both cases, go to https://welcome.qonto.com/ ! If you are a legal representative, follow the classic account opening process by clicking on one of the names displayed. If you are a legal representative but don’t appear on the list, click on “Fill in your information”. On the other hand, if you’re not a legal representative, you will need a power of attorney and an ID of the legal representative to open an account. Please note that we will ask you this information while opening the account. Below you will find the templates of the Power of attorney to fill: General Power ❗️You will only be able to use your company's Qonto account for corporate activity, for example for the payment of salaries, the payment of invoices, etc. On the other hand, you cannot use your Qonto account to collect funds on behalf of third parties, a situation for which Qonto will close your account with 30 days' notice.",https://help.qonto.com/en/articles/4359530-who-can-open-a-qonto-account-on-behalf-of-my-company "I have an existing company, what are the steps to follow when registering?","Do you want to create a Qonto account for your already existing business? Here are, in detail, the different steps you will need to perform: In order to save time, you can now prepare the following documents: 📄 The name or SIRET number (for France) / Registration number (for Italy, Germany or Spain) of your company 👥 Your identity document (ID card, passport, residence permit) We recommend that you register using a smartphone or a computer with a camera. 💡 Google Chrome browser is 100% compatible with Qonto Here we go ⬇️ ​ First, go to the Qonto website and click on the button ""open an account"" at the top right of your screen ❗️You will only be able to use your company's Qonto account for a corporate activity, for example for the payment of salaries, the payment of invoices, etc. On the other hand, you cannot use your Qonto account to collect funds on behalf of third parties, a situation for which Qonto will close your account with 30 days' notice. 1st step: Select the French flag, so that, your file will be handled by the referring team. 💡 If your company is registered in Italy, Spain or Germany select the correct flag. 2nd step: Select the box ""You have a company or an association"" to continue your registration. ​ If you do not have a company or association but you wish to create one, then select the ""You wish to create a company"" box. 3rd step: Choose the form of your company ""Independent"" or "" TPE, SME, startup or association"" 4 and 5 steps: You have selected ""Independent"" ✅ or ""TPE, SME, startup or association"" ✅ Write the email address that you will use as your identifier when you log in to access your Qonto interface. Go to your mailbox to retrieve the confirmation code, then, enter it in the appropriate zone. ❗️The confirmation code is only valid for 30 minutes. Find your company by entering the company name / SIREN / SIRET number or registration number (Italy, Spain or Germany) and click on the ""search"" button. You will then need to confirm your business information. 💡 If you cannot find your company, you can select the option ""You cannot find your company? Add it manually"" In this case, you will have to download a Certificate of Company registration dated less than 3 months . Let us know who you are. If you are the company's corporate officer, select your name and confirm your information. ❗️ If you are not the company's corporate officer , it will be necessary to download a delegation of power from the corporate officer to you, by selecting the option: ""You are not an executive, but you have a proxy from one of them? Click here "" Enter your phone number Tips: for the document to be admissible, we invite you to: Do not use the flash so that there are no light reflections The 4 corners of the document must be clearly visible as well as all the information 💡 You can read this article for more information on how to take a good picture of your ID card Record the identification video. 💡 For this to be admissible, please turn your head by following the indications. It is also important that you are alone in the video. Perform your location check 🇫🇷 For French entities: Perform your qualified electronic signature by reading and accepting the agreements submitted. Enter your personal address Tell us if you are one of the beneficial owners of the company Step 6: Choose the offer that best suits your needs Step 7: Accept the terms and conditions of the contract Step 8: Choose the card that meets your needs and start to use your account! ​ ​ Once you have received your IBAN, you can directly fund your account, with a SEPA Instant or standard transfer , or even by card (on a computer) ! Welcome to Qonto 🎉",https://help.qonto.com/en/articles/5713925-i-have-an-existing-company-what-are-the-steps-to-follow-when-registering What activities are prohibited at Qonto?,"Companies primarily engaged in the following industries ( not limited ) are not allowed to open a Qonto account: Accessibility diagnosis (Ad'Ap) Activities related to the sale of products based on cannabis or its derivatives (leaves, flowers, resin, CBD, HHC) with a THC content of more than 0.3% for the companies in France and 0.2% for the companies in Germany, Italy and Spain or not indicated. Activities related to the mining industry Activities related to Energy Efficiency Certificates (CEE) or issuing carbon credits Any illegal activity Auction houses, artwork Selling Cartomancy, fortune-telling, clairvoyance, astrology, tarology Casinos and gambling and any participation to online raffle draws Factoring, Debt collection activities Financial/fiscal agent activity if not registered with a regulator Holding a marketplace Hunting, trapping and related service activities Insurance brokerage activity if not registered with an administration Management of funds, portfolio, and collective investments if not registered with a regulatory authority. Military activities, including the sale of weapons, military vehicles, and their copies Mining, staking, creation and/or marketing of NFTs, blockchain development, development of wallets (hot & cold wallets), decentralised exchange, PSAN activity without registration. Money transfer platforms, remittance services, P2P ( ""peer-to-peer"" or ""person-to-person "" ) payment services Online and in-store sales of industrial or cosmetic chemicals. Online and in-store sale, import, and export of protein powders and food supplements that don't comply with European regulations and anti-doping recommendations Online and in-store sale of medicines, including their import-export Online file sharing Sale of mobile SIM cards and top-up cards Sex (pornography, sex toys, escorting, prostitution) Sale of goods/services that may harm, or damage the image, honor, or reputation of others Striptease clubs, nightclubs Tobacco or smoking products (e-liquids) Trading/brokerage platform or any activity related to currencies, precious metals, gemstones, other products, securities Unlicensed payment services (crowdfunding, crowdlending, marketplace) 💡 In some cases, additional information may be requested. Our teams will contact you to review your activity.",https://help.qonto.com/en/articles/4929901-what-activities-are-prohibited-at-qonto Can any organization open a Qonto account?,"The Qonto current account is currently available to French , Italian , Spanish and German companies formed with the following legal entities : 🇫🇷 SA ('Société Anonyme') SAS ('Société par Actions Simplifiée') SASU ('Société par Actions Simplifiée Unipersonnelle') SARL ('Société à Responsabilité Limitée') SC & SCI ('Société civile') EURL ('Entreprise Unipersonnelle à Responsabilité Limitée') EIRL (Entreprise Individuelle à Responsabilité Limitée) EI (Entreprise Individuelle) Affaire Personnelle Profession Libérale (Independent occupations) Micro-Entreprise (Sole Traders or Micro-Company) Declared association ('Association Enregistrée') Holding (an organization who owns control of a small group of other companies) - see below 🇮🇹 S.s. (Società Semplice) S.a.s. (Società in Accomandita Semplice) S.n.c. (Società in Nome Collettivo) S.r.l. (Società a responsabilità limitata) S.r.l.s. (Società semplificata a responsabilità limitata) S.p.A. (Società per Azioni) S.a.p.a. (Società in Accomandita per Azioni) Impresa Individuale (a K-bis is needed) Libero Professionista and Lavoratore Autonomo Studio associato e società di professionisti Cooperativa Associazione 🇪🇸 Empresario Individual (Autónomo) / Autónomo Societario Emprendedor de Responsabilidad Limitada Entidades permanentes no residentes en España (NIF W) Sociedad Anónima Sociedad Anónima Laboral Sociedad de Responsabilidad Limitada Sociedad de Responsabilidad Limitada Laboral Sociedad Limitada Nueva Empresa Sociedad Limitada de Formación Sucesiva Sociedad Colectiva Sociedad Comanditaria por Acciones Sociedad Comanditaria Simple Sociedad Profesional 🇩🇪 Sole traders (e.K./e.Kfm/e.Kfr) Freelancers (e)GbR GmbH GmbH i.G . gGmbH gGmbH i.G. UG UG i.G. gUG gUG i.G. AG AG & Co KG GmbH & Co. KG UG & Co. KG oHG GmbH & Co. oHG AG & Co oHG KG KGaA Companies that are not yet registered (available in France and Germany only): If your company is not registered yet, please note that you can open a Qonto account and proceed with your initial capital deposit with us (except for SCI). As a reminder, sole traders, as well as micro-enterprises , are not required to go through a deposit capital process, since these organizations are already registered in their own name. Foreign companies: Foreign companies which are registered in France, Italy, Spain or Germany are allowed to open a Qonto account if the headquarter is based in one of those four countries. Holding companies: Existing French holding companies, both active or passive, are fully allowed to open a Qonto account 100% online, in a few minutes. Prohibited activities on Qonto: Companies primarily engaged in the following industries are not allowed to open a Qonto account : Accessibility diagnosis (Ad'Ap) Activities related to the sale of products based on cannabis or its derivatives (leaves, flowers, resin, CBD, HHC) with a THC content of more than 0.3% for the companies in France and 0.2% for the companies in Germany, Italy and Spain or not indicated. Activities related to the mining industry Activities related to Energy Efficiency Certificates (CEE) Any illegal activity Auction houses, artwork Selling Cartomancy, fortune-telling, clairvoyance, astrology, tarology Casinos and gambling Factoring, Debt collection activities Financial/fiscal agent activity if not registered with a regulator Holding a marketplace Insurance brokerage activity if not registered with an administration Management of funds, portfolio, and collective investments if not registered with a regulatory authority. Military activities, including the sale of weapons, military vehicles, and their copies Mining, staking, creation and/or commercialization of NFTs, blockchain development, development of wallets (hot & cold wallets), decentralized exchange, PSAN activity without registration. Money transfer platform, remittance service, P2P ( ""peer-to-peer"" payment service) Online and in-store sales of industrial or cosmetic chemicals. Online and in-store sales of protein powders, dietary supplements, and medicines Online file sharing Sale of mobile SIM cards and top-up cards Sex (pornography, sex toys, escorting, prostitution) Sale of goods/services that may harm, or damage the image, honor, or reputation of others Tobacco or smoking products (including THC, CBD, and eCig) Trading/brokerage platform or any activity related to currencies, precious metals, gemstones, other products, securities Unlicensed payment services (crowdfunding, crowdlending, marketplace)",https://help.qonto.com/en/articles/4359533-can-any-organization-open-a-qonto-account How does Qonto x Zapier work?,"Zapier is an automation tool online that allows you to connect your Qonto account with your favorite apps: Gmail, Mailchimp, Airtable, your financial tools and much more. Qonto has developed an integration with Zapier to automate your business processes in a simple and accessible way. How to set up the integration of Zapier with Qonto ? You can connect your Qonto account with Zapier in just a few clicks: Go to your Zapier account Look for your favorite app, Qonto Enter your Qonto credentials and select the name of your organization Finally, allow Zapier to access your account by clicking on Allow access ☝️ Good to know: We may need some time to set up the update for this new connection. With the 2.0 version of the app, you can import transactions attachments 2.0 in beta directly from the marketplace Qonto connect. How to initiate a transfer with Zapier? With Zapier, you can also initiate transfers, to an external account, but also between your Qonto current accounts. To protect your account, we have added the strong customer authentication system, which is the same as on your Qonto app. This system generates a push notification on your mobile to validate your transfer. To avoid validating your transfers manually every time, we recommend you to trust your beneficiaries beforehand. To do so, please visit this page and follow the steps. You can also do this from the API . Ready ! You can automate your transfers on Zapier. 🎉 For further information about Zapier, visit their help center !",https://help.qonto.com/en/articles/4616236-how-does-qonto-x-zapier-work How does pagoPA work on Qonto?,"With Qonto you can make your pagoPA payments simply, quickly and securely. The payment made with pagoPA on Qonto has a release effect for the user , both of the payment made and of the underlying debt position. When a payment is made with pagoPA, the system verifies the actual existence of the debt , updates the amount (in the case of arrears, for example, and finally communicates the payment to the Public administration. For this reason, pagoPA payments processed via Qonto are 100% valid. PagoPA costs per plan: Basic: €1 for each payment Smart and above: 10 operations included per month and then €1 for each additional payment This debit method is valid from 09/01/2023. How do I process a pagoPA payment from the App? To process a pagoPA payment, go to the Business Account section and select pagoPA from the drop-down menu, click on Make a new payment , enter the notice number and the tax code of the creditor body that you find in the payment notice and let yourself be guided by the procedure. ​ ☝🏻Good to know: in order to help you fill in the required details, we have inserted an example of pagoPA payment advice that you can check while filling in the form, to make the payment process even easier! Can I pay pagoPA using my Qonto debit card? Yes. You can use your Qonto cards to pay on any other pagoPA-enabled channel, but keep in mind that now you can pay PagoPA on Qonto, directly debiting your account. If I make an incorrect payment, can I cancel the payment? pagoPA does not allow incorrect payments because it checks the existence of the debt position and its consistency at the time of payment. If for any reason the user needs to cancel a payment paid with pagoPA, he can request a refund from the Ente Creditore (the creditor), which can be made via pagoPA (reversal of the operation) within the same day. If the request is made later, the Creditor can provide for the reimbursement with other instruments. Can I pay with pagoPA on my Qonto mobile app? Certainly! You can find all the information on this feature by visiting the dedicated article How does pagoPA work on the Qonto mobile app? Why can't I find the postal bulletin in the payment slip that I received? Not all PA institutions can receive payments by postal order, as not all have a postal current account, nor are they obliged to have one. What happens if I pay the same tax twice? Double payment with pagoPA is not possible. pagoPA does not allow incorrect payments because it checks the existence of the debt position and its consistency at the time of payment. In the event that a tax has been paid with pagoPA and also outside it (for example through an F24, if the Creditor Body permits it), the citizen must request reimbursement from the Creditor. The reimbursement can be made by pagoPA (reversal of the operation) within the same day of the payment made using pagoPA. If the request is made later, the Creditor will have to provide for the reimbursement with other instruments. How do I report an incorrect payment? PagoPA does not allow incorrect payments because it checks the existence of the debt position and its consistency at the time of payment. In the event that a tax has been paid with pagoPA and also outside it (for example through an F24, if the Creditor Body allows it), the citizen can report it to the Creditor Body with the tools made available. The reimbursement can be made by pagoPA (reversal of the operation) within the same day of the payment made using pagoPA. If the request is made later, the Creditor will have to provide for the reimbursement with other instruments. Can I pay the wrong amount? PagoPA does not allow incorrect payments because it checks the existence of the debt position and its consistency at the time of payment.",https://help.qonto.com/en/articles/6984861-how-does-pagopa-work-on-qonto I received an email informing me that the use of the Qonto account is subject to particular conditions: what does this mean?,"For certain activities, the use of the Qonto account is allowed only if specific conditions are met , such as: Registration with certain professional registers, control registers of various Ministries and the Bank of Italy, obtaining specific licences, and, above all, that the Qonto account is not used to process transactions on behalf of third parties. Businesses that are required to comply with these conditions must include the following activities in their business purpose: Monetary intermediation; Financial services activities (excluding pension funds); Credit activities; Real estate brokerage activities; Foreign exchange brokerage activities; Insurance; Pension funds; Auxiliary activities of financial services (management of financial markets, financial consultancy); Activities of insurance agents and brokers; Fund management activities. If your business includes these activities: You will be able to receive transfers for the work activity you carry out: these funds can be used for normal administrative transactions (e.g., payment of salaries, payment of suppliers, payment of utilities and/or living expenses). However, you will not be able to reinvest these funds on behalf of third parties or use them for all those activities not authorized by our Payment Institution. 💡 For example: if you are a financial consultant, you can invoice for your consultancy services, but you cannot reinvest these funds on behalf of third parties.",https://help.qonto.com/en/articles/6951144-i-received-an-email-informing-me-that-the-use-of-the-qonto-account-is-subject-to-particular-conditions-what-does-this-mean How does Qonto x Make (ex-Integromat) work?,"With more than 500 connected apps, Make is an advanced online automation tool. Scenarios are unlimited, so you can go even further. Qonto has developed an integration with Make to automate your financial processes. How to set up the integration of Make with Qonto ? You can connect your Qonto account with Make in just a few clicks: Go to your Make account Look for your favorite app, Qonto Enter your Qonto credentials and select the name of your organization Finally, allow Integromat to access your account by clicking on Allow access ☝️ Good to know: We may need some time to set up the update for this new connection. How to initiate a transfer with Make ? With Make, you can also initiate transfers, to an external account, but also between your Qonto current accounts. To protect your account, we have added the strong customer authentication system, which is the same as on your Qonto app. To avoid validating your transfers manually every time, you can trust your beneficiaries beforehand : Please, visit this page and follow the steps. You can also do this steps from the API . Ready ! You can then automate your transfers on Make. 🎉 For further information about Make, visit their Help center !",https://help.qonto.com/en/articles/4616257-how-does-qonto-x-make-ex-integromat-work My company has a legal entity as a shareholder. Who are the beneficial owners?,"It's possible that a legal entity owns shares in your company. This FAQ explains how to identify and declare your beneficial owners when they include one or more legal entities. As a reminder: Who is considered a beneficial owner in a limited company ( società di capitali )? In limited companies ( società di capitali ), the term ‘beneficial owner’ refers to an individual person who owns more than 25% of the capital. Alternatively, it may refer to any individual person who possesses enough votes to influence a shareholder meeting, or who has administrative or management powers. Who is considered a beneficial owner in a partnership ( società di persone )? In partnerships ( società di persone ), the term ‘beneficial owner’ refers to any company shareholder, regardless of their type of shares and their percentage of capital participation. Who is considered a beneficial owner in a co-operative company ( società cooperativa )? In co-operative companies ( società cooperativa ), the term ‘beneficial owners’ refer to its President and Vice President. During the company registration phase, you must declare who the beneficial owners of your company are. There are two types of ownership: Direct ownership We consider beneficial owners with direct ownership to be the internal beneficial owners of the company. Normally, they are shareholders in the company. Indirect ownership We consider beneficial owners with indirect ownership to be those individual persons who are beneficial owners of the company through a legal entity that holds company shares. How to declare my beneficial owners if my company is owned by a legal entity? If your company’s shares are owned by a legal entity (or multiple legal entities), you must declare all the beneficial owners (i.e. the individual persons) of all the legal entity(ies). You must specify that those individuals are beneficial owners of your company with indirect ownership. It could also be the case that there’s another legal entity (or entities) that holds shares in the legal entity that owns shares in your company: in this specific case, you must name all individual persons who serve as beneficial owners of all the entity(ies) in the ownership chain . These individuals will be classified as beneficial owners of your company with indirect ownership . On the other hand, if there are beneficial owners directly within your company, you must declare them as beneficial owners with direct ownership.",https://help.qonto.com/en/articles/8272068-my-company-has-a-legal-entity-as-a-shareholder-who-are-the-beneficial-owners List of the documents required to open a Qonto account,"Below you will find a table summarising the documents required to open an account with us, who are the beneficial owners and who we need to register based on the different legal forms: Legal form: Documents needed: We need the documents of: SRL, SRLS, SPA, SAPA ( corporation = società di capitali ) No company-related documents are required. *️⃣ The legal representative; Who owns more than 25% of the shares; SAS, SS, SNC ( partnership = società di persone ) No company-related documents are required. *️⃣ The legal representative; All the shareholders present in the Visura Camerale (regardless of the % of the share owned); Associations Visura Camerale dated no more than 3 months OR Association's Statute signed and stamped by the Revenue Agency; Constitutional Deed ( Atto Costitutivo) signed and stamped by the Revenue Agency. Certificate of Fiscal code assignment signed and stamp by the Revenye Agency; Minutes ( Verbale ) if the roles aren't specified A minimum of 3 members to be registered: President (usually corresponding to the Legal Representative); Vice President; Secretary . (If present, we should also register in the account the Treasurer) ​ Cooperative Visura Camerale dated no more than 3 months A minimum of 3 members have to be present in the Visura. We need the documents of: President ; Vice President ( only if this role is present in the Visura). Foundations Registration to the RUNTS; The constitutional deed (atto costitutivo) ; The Foundation Bylaw ( statuto ); The Certificate of Fiscal code assignment and Fiscal Code The list of beneficial owners (you can find the form to fill here ). Founders (while still alive); Beneficiaries (when identified or easily identifiable; Individuals who hold managerial and administrative roles. Impresa o imprenditore individuale No company-related documents are required. *️⃣ Owner of the organisation ( Legal Representative) Freelancer and Self-Employed (sole proprietorship) The Certificate of Fiscal code assignment and Fiscal Code signed and stamped or the digital version; alternatively the declaration of commencement of activity, data change or cessation of activity for VAT purposes. Owner of the business. Physical person Visura camerale accompanied by the official certificate of VAT number assignment. Business owner *️⃣ If your business is not listed among the options during registration, we may request the Chamber of Commerce registration document.",https://help.qonto.com/en/articles/7860161-list-of-the-documents-required-to-open-a-qonto-account Why does Qonto need to identify the beneficial owners of my Italian company?,"Qonto is a payment institution supervised by the Bank of France and operates in Italy through a branch supervised by the Banca d'Italia. In compliance with customer due diligence obligations and the provisions of Italian Legislative Decree No. 90/2017 , Qonto is required to identify the ultimate beneficial owners who directly or indirectly control or own your company. ☝️ If your company is a partnership (Società di persone S.s. - S.a.s. - S.n.c.) The ultimate beneficial owners are all the partners (as owners), regardless of the type of share held (e.g. limited or general partner - socio accomandante o accomandatario) and regardless of the percentage of participation in the capital. The percentage of participation in the capital is in fact only applicable to corporations and not to partnerships company. If your company is a corporation (Società di capitale S.p.a. - S.a.p.a. - S.r.l. - S.r.l.s.) The ultimate beneficial owners are the physical persons who hold more than 25% of the capital of your company. 🔎 If more than 25% of your company's capital is held by a person who is not a physical person, the ultimate beneficial owner will be, going back up the chain of ownership, the physical person or persons who ultimately hold these holdings. In other cases, ultimate beneficial owners are those who exercise control over your company and have a dominant influence, or have powers of administration or management of the company (regardless of the percentage shareholding). In the case that is not possible for us to identify the beneficial owners of your company, unfortunately will not be possible to proceed with the finalization of your registration. In fact, in accordance with anti-money laundering regulations, only after a proper verification of the identity of the beneficial owner will it be possible to proceed with the opening of the account and grant you full access to its functions. 🚀 ⚠️ IT IS IMPERATIVE TO DECLARE A BENEFICIAL OWNER FOR CORPORATIONS. In the event that we could not identify at least one beneficial owner for your company, we will ask you to complete this statement in which you declare the beneficial owner(s) yourself. Declaration of beneficial owners.pdf",https://help.qonto.com/en/articles/5505360-why-does-qonto-need-to-identify-the-beneficial-owners-of-my-italian-company How does the Qonto x Dropbox integration work?,"Qonto offers two different connections with Dropbox. Depending on your needs, you can : Export your receipts from Qonto to Dropbox Import your receipts from Dropbox to Qonto How to set up the integrations ? From the Qonto web-app, go to the Integrations and Partnerships section and click on the Dropbox integration you wish to set up. Simply click Connect in the top right of the page and follow these steps: Select the Dropbox account you want to use Once logged in, authorize Qonto to sync your data with Dropbox by clicking on Continue For Qonto to Dropbox only : select the date and time from which you would like to begin syncing your receipts; you may select an earlier date or today’s date click the “✓” button Finally, click Finish… and you’re done 🎉 ☝️ Good to know : You can connect several Qonto accounts to the same Dropbox account. 1- Qonto →Dropbox This integration is available for every Qonto client, no matter the plan you have (Connect). All account owners and administrators can set up this integration with Dropbox. When you add your receipts to Qonto, they are automatically stored and filed by date on your Dropbox account, so you always have a backup. No more forgetting to export your receipts: your receipts are synced with Dropbox daily Easier access to all your documents: your receipts are automatically imported and filed by date in a specified folder, for all your current accounts Secure file sharing: provide flexible access to specific files and folders, according to your needs To take full advantage of this integration, make sure your storage capacity in Dropbox is sufficient for exporting your receipts. To verify your storage capacity, read this page . How to use the folder created in my Cloud Storage solution? A Qonto Connect folder will be created and divided into sub-folders by current account and by time period. You can also access this folder from the “Helpful links” section created on the Connect page of Dropbox. When are my receipts exported into Dropbox ? The receipts already associated with your Qonto account will be exported immediately once the integration has been configured; any new receipts uploaded to Qonto will be exported automatically once a day at 11:30 pm. If you open a new current account in Qonto after configuring the integration, a new folder will automatically be created in your storage space. What happens if I delete a file or folder in my Dropbox account? If you delete a file, it will be imported back into your Dropbox account automatically. If you delete a folder, however, the receipts it contains will be deleted from your Dropbox account: Any new receipts that you upload to Qonto for the specific period or current account will be exported as usual. To retrieve the files deleted from your Dropbox account, you will need to reconfigure the integration. 2- Dropbox → Qonto This integration is available from the Smart plan and above ( Connect Plus). All account owners and administrators can set up this integration with Dropbox. Your supplier's invoices from a dedicated Dropbox file will be matched and attached automatically to your transaction in your Qonto app. Keep an eye on supplier invoices to be paid: View pending invoices in a flash. Prepare for upcoming deadlines and schedule your payments. Let your accountant take it from there: Once paid, your supplier invoices are matched with the right transactions. Everything’s ready for your accountant to review. To know more about the Supplier’s invoice feature, please read this article . How to use the folder created in my Cloud Storage solution? A Qonto Connect -Import folder will be created and divided into four sub-folders: A Dropzone folder into which you can drag and drop new receipts for your expenses. A Processing folder to which receipts are stored, awaiting to be matched to a Qonto transaction. A Matched folder where you will find receipts matched with a Qonto transaction. An Unsupported folder into which files larger than 15MB are placed, as well as files not in a JPEG, PNG, and PDF format. Every three hours , files in the Dropzone and Processing folders will be synchronized with your Qonto transactions. Which files can be processed by the integration? For your supplier invoices to be matched with the right Qonto transactions: place them in the Dropzone folder. Your files must fit the following size and format criteria: The size needs to be less than 15MB. The format needs to be either JPEG, PNG, or PDF. Only those receipts or invoices corresponding to purchases will be processed. Invoices issued by you will never be paired with a transaction and will remain stored in the processing folder. ☝️ Good to know : It’s not possible to match several supplier invoices to a single transaction using the Dropbox → Qonto integration. If several supplier invoices are uploaded for the same transaction, only one will be matched. Any additional attachments will remain stored in the processing folder. Several supplier invoices can be included in the same file, as long as the size of the file is below 15MB. What happens if I delete a file or folder in my Dropbox account? If you delete a file in one of the folders created by the integration, or one of the folders, the integration won’t be able to work properly. You will need to uninstall and reinstall the integration to keep on using it. To uninstall the integration, simply click Connected in the top right of the Connect Dropbox page in the web application and follow these simple steps: Click on Disconnect Dropbox → Qonto Click again on Disconnect Dropbox → Qonto ☝️ Good to know : This action won’t affect supplier invoices already matched with your Qonto transactions. How much of my Qonto account data will Dropbox have access to? We will not share any of your data with Dropbox without your express consent, which you may revoke at any time with a few clicks to stop sharing your data. Without your express consent, we are unable to ensure the proper function of the integration.",https://help.qonto.com/en/articles/6389643-how-does-the-qonto-x-dropbox-integration-work How does the Cegid Loop integration work?,"With receipts and invoices automatically exported into Cegid Loop, closing your clients’ books has never been faster. What does integrating with Cegid Loop offer? Automatically transfer receipts, both paid and unpaid invoices from Qonto to Cegid Loop daily at 8 PM UTC: Each day , your client’s Qonto account is scanned for new receipts and invoices. These attachments seamlessly appear in the Robot Comptable document deposit section within your Cegid Loop account. Cegid Loop conveniently pre-populates your customer’s accounting journals with the necessary details. Who is eligible for this integration? The integration process can be initiated by all account holders, admins, and those in reporting roles . However, completion of the setup requires certified public accountants who have access to essential integration details (Cegid Loop API key, API secret). 👉 Important to know: This feature is only available for customers with a French IBAN for our Smart , Premium, Essential, Business and Enterprise packages. Click here to learn how your customer can upgrade to a higher plan. Setting up the Cegid Loop integration: First, ensure you have access to your customer’s Qonto account. If access is not yet granted, learn how to obtain it here . ​ From the Qonto web app, click on Integrations and Partnerships on the bottom left then Integrations . Search for Cegid Loop, select it, and then click ""Connect"" on the top right. Follow these steps for setup: Retrieve your API Key and API secret from CegidLife : If you're an admin, log into CegidLife, access your profile (icon on the top right), select ""Clé API"", and generate a new API key named, for instance, ""Qonto"". Remember, this information cannot be retrieved again , so save it carefully. Install the Qonto app within Loop Hub : Click the ➕ icon in Loop Hub, filling in the details as follows: Type: Partenaire Application: Qonto API Key: [Previously fetched API key] Choose either all client files or specific folders requiring the Qonto app. Create a new authentication , naming it “[Client name] x Qonto”, and input the API key and secret from Cegid Loop. Select the Cegid Loop client file for synchronization. If the file isn’t found, check whether you’ve added the Qonto app to this client file or if the API key was correctly entered. After clicking ""Create"" and then ""Finish"" , your integration is set. A file will be sent to your Cegid Loop account to confirm the integration's success, which might take a few minutes to appear. Troubleshooting: Not seeing Qonto files in Cegid Loop? If a file doesn’t appear within 24 hours, you'll need to reconnect the integration. Simply disconnect and then reconnect to Cegid Loop via the Qonto web app. 💡 Good to know: Only files in JPEG, PNG and PDF format will be exported to Cegid Loop. What about deleting files in Qonto or Cegid Loop? New attachments are synced with Cegid Loop at 8 PM UTC daily. After synchronization, deleting attachments in Qonto won’t affect those already in Cegid Loop.",https://help.qonto.com/en/articles/6952146-how-does-the-cegid-loop-integration-work How does the Stripe x Qonto integration work?,"Stripe ’s software and APIs allow businesses to accept payments and manage their businesses online. Stripe then pays out revenues directly into their customers bank accounts, including Qonto! Together with Stripe, we have built an integration between our solutions that helps save you a lot of time! How to set up the integration of Stripe with Qonto ? You can connect your Qonto account with Stripe it in just a few clicks: Log into your Stripe account and enter your Qonto IBAN, as shown in the screenshot below. Now, all you need to do is determine how often you want to receive your transfers/payments to your Qonto account! From your Qonto account : Go to the Integrations and Partnerships section, in your Qonto app interface on the bottom left, then Integrations section Click on Stripe , then on Connect Select your company in the dropdown Click on Accept Once redirected to Stripe, select the right Qonto account Click on Connect You are done, ready for effortless bookkeeping! ☝️ Good to know : It may take 24 to 72 hours for the document to be attached to the correct transaction. For now, it is only possible to connect one Stripe account to one Qonto account. Who can benefit from this integration? This feature is available for our Smart , Premium , Essential , Business and Enterprise packages. What action or automation can I do with this integration ? When Stripe sends a payout to a Qonto user, Qonto identifies the details of the payout, matches them with corresponding receipts (and invoices in case you use Stripe Invoicing or a similar solution) and correctly stores everything in the Qonto app. It is free, and helps you stay compliant as each transaction has to be justified! Qonto identifies orders within the Stripe payout Qonto fetches each receipt or invoice, for each order Qonto matches the right document with the right transaction Qonto displays the link to each document next to its transaction in the app in the History section This means that each document is automatically attached to the corresponding transaction in your Qonto app, without you having to do anything! This concerns transactions that were processed after the connection. For further information about Stripe, check out their Help Center .",https://help.qonto.com/en/articles/5339199-how-does-the-stripe-x-qonto-integration-work How to connect Quipu to my Qonto account?,"Quipu is the invoicing and accounting tool for SMEs and freelancers, which simplifies and automates your financial and accounting management. Connect Qonto with Quipu to manage your invoices and cash flow more easily. Automate your bank transactions, income and expenses, thanks to the integration of Qonto and Quipu. How to connect Quipu to Qonto? Log in to your Quipu account; Click on the Banks section; Select the + Add bank account button; Click on the Connect my bank button; At the bottom, you will find the Show all available banks button. Click on; Search for Qonto and select; Here you will be prompted for Qonto login credentials. - Go to your Qonto account and click on Settings icon - Then select API Key - Copy the login credentials (Sign-in and Secret Key) - Paste the login credentials (Sign-in and Secret Key) you have previously copied into Qonto. Done! Account connected.",https://help.qonto.com/en/articles/5759599-how-to-connect-quipu-to-my-qonto-account How does PayFit x Qonto work?,"Qonto and PayFit have developed a simple, fast, and secure connection to ease the salary payment of your employees. From the same platform, you can pay up to 400 salaries in one click. How to set up the integration of PayFit with Qonto? First, you need to connect your Qonto account to your PayFit account. From the Bank Transfer section of PayFit app, click on Connect to my Bank , enter your Qonto credentials and follow the steps. To know more about the account setup into the PayFit app, take a look at the PayFit dedicated article . How can I pay my employees? Qonto x PayFit allows you to pay your employees with your Qonto current account directly from PayFit. Go to the Bank transfer section of PayFit app Click on Pay salaries Validate the amount Enter your Qonto password, go through the security process and that's it! Who can benefit from this integration? Users with a Smart , Premium, Essential, Business or Enterprise plan can benefit from this integration and pay their employees' salaries from PayFit in a single click. ☝️ Good to know: You need to be Admin of both Qonto and PayFit accounts to authorize the payment. For further information about PayFit, visit their help center !",https://help.qonto.com/en/articles/4772309-how-does-payfit-x-qonto-work How does Qonto x Notion work?,"Notion is a productivity and collaboration tool that allows note-taking, data storage, document organization, and task automation. By connecting your Qonto account to Notion, you can create advanced financial dashboards and access your transaction information directly in Notion. How to set up the integration of Notion with Qonto ? Open your Qonto app on your computer and navigate to the Integrations and Partnerships section. Click on the Notion card . Use your Notion credentials to connect Notion with your Qonto account. Select the Notion page where Qonto will build your transaction database. How to use the integration ? Once the “Qonto Transactions” database is created in Notion, all your transactions will be synchronized every three hours. Here are some examples of what you can do with the integration: Easily analyze your transactions or share transaction details with your teammates. Enrich your database with additional elements to enhance your financial dashboards. Set up calculations, such as VAT calculation, to simplify your financial tasks. Create alerts or tracking mechanisms for specific transactions. ☝️ Good to know : Attachments and pending transactions cannot be retrieved in Notion. How to fix a transactions' synchronizing issue ? If your transactions are not synchronizing correctly on Notion, you can try disconnect and reconnect the integration. However, by doing so, you may temporarily lose access to your transactions. To resolve this, follow these options: Option 1: a. Disconnect the Notion integration b. From your Qonto app, go to Integrations and Partnerships , and set up a new Notion authentication connected to a new Notion page. Option 2: If you want to keep the same Notion page: a. Duplicate the current page where you want the transactions to appear. b. Delete the old page. c. Disconnect the integration. d. Reconnect with a new Notion authentication from Integrations and Partnerships and grant access to the newly generated page. By following these steps, you can successfully integrate Qonto with Notion and leverage the power of financial dashboards and transaction management. For further information about Notion, visit their Guides and Help Center !",https://help.qonto.com/en/articles/5954017-how-does-qonto-x-notion-work How does Qonto x Slack work?,"Slack brings communication and collaboration together in one place to improve productivity. Our team has developed a simple and secure connection to help you manage your finances directly from your Slack workspace. How to set up the integration of Slack with Qonto ? It's very easy to connect Slack to your Qonto account: Go to Integrations and Partnerships section from your Qonto app on the bottom left, then click on Integrations . Click on the Slack card to access the details, then on Connect , on the top-right corner Use your Slack credentials to connect with your Qonto account. Ready ! Slack is now connected to your Qonto account! 🎉 From the Settings section, you can choose the canal on which you want to get your notifications and create your balance and transactions alerts ☝️ Good to know: If you want to disconnect Slack from your Qonto account, it's also very easy! Click on the Connected button, in the top-right corner, and then on Disconnect Slack . Finally, confirm your choice. Who can benefit from this connection? Everyone! You just need to have a Qonto account and Slack. Besides, you can invite your team members (for example, those in charge of your finances) to join you on the Slack channel you chose, even if they don't have access to Qonto. This way, anyone can keep an eye on your finances, independently and in real-time. How can I manage my alerts? You can edit your alerts at any time, directly from your slack workspace. All you have to do is click on the top-right icon of your notification, and then on Manage my alerts . You can also edit the Slack channel you picked by simply clicking on Edit Slack channel in the Settings section. If you want to delete one of your alerts, go to the Settings section, under Balance and transactions alerts , select the alert you want to delete and click on Delete alert . For further information about Slack, visit their Help Center !",https://help.qonto.com/en/articles/4460189-how-does-qonto-x-slack-work How to connect AGICAP to Qonto ?,"AGICAP is a cashflow management tool. You can connect your Qonto account to AGICAP, in order to automate and improve the reliability of your cashflow management: Follow in real-time your incoming and outgoing payments from your Qonto account directly from your AGICAP app. Define your own categories and let AGICAP's AI categorize automatically all your transactions. Verify in real-time and on the same platform how your company is performing versus your cashflow forecasts. ☝️ Good to know: You cannot retrieve your transactions' attachments with the integration. How to set up the connection ? Open your AGICAP app and visit the Bank tab. Then click on Manage my banks then, Connect a bank . Fill in your Qonto credentials. Ready…the integration is now setup! 🎉 For further information about AGICAP, visit their resources page !",https://help.qonto.com/en/articles/5607041-how-to-connect-agicap-to-qonto How does Qonto x Google Sheets work?,"Google Sheets is an online spreadsheet app that lets you create and format spreadsheets. Qonto has developed an integration with Google Sheets to automatically send your transactions to your Google Sheets spreadsheet. How to set up the integration of Google Sheets with Qonto ? Simply go to the Integrations and Partnerships section in your Qonto app, click on the Google Drive integration and follow these simple steps: Select the Google account you wish to use to sync your transactions Once logged in, authorize Qonto to sync your data in Google Sheets by clicking Continue Select the date from which you would like to begin syncing your transactions; you may select an earlier date or today’s date Click Finish , your integration is ready! 🎉 A Qonto Connect spreadsheet will be created in your root folder, with a tab synchronizing your transactions. You can also access this spreadsheet from “Useful links” in the top right of your screen. ☝️ Good to know : The transactions already associated with your Qonto account will be synchronized immediately once the integration has been configured; any new transaction on your account will be synchronized the next day by 5AM. What happens if I edit the tab containing the transactions? Editing the tab Sync. Transactions - Do not edit will break the connection. If you want to modify some of your transaction information, you should create another tab in the spreadsheet and link it to the protected tab. Need help in using this integration? We’ll guide you step by step to leverage the export of your transactions into Google Sheets thanks to this dedicated article . How much of my Qonto account data will Google Sheets have access to? We will not share any of your data with Google Sheets without your express consent, which you may revoke at any time with a few clicks to stop sharing your data. For further information about Google Sheets, visit their Help center !",https://help.qonto.com/en/articles/6095025-how-does-qonto-x-google-sheets-work How can I mark a payee as trustworthy?,"With Qonto, you can not only easily transfer money through the app or your computer but also automate your payments using No-Code platforms like Zapier and Make, or directly through our API. This saves you valuable time and allows you to e fficiently manage payment processes for suppliers and employees or seamlessly organize cash flows between your accounts. Why adding trusted beneficiaries is important To ensure the security of your automatic transfers, we have introduced a strong authentication system that requires confirmation of each transfer via push notification on your smartphone. To bypass this step and save time , we recommend marking your regular payees as trusted. How to add trusted beneficiaries Open Qonto on your computer and navigate to Business Account → Transfers. When creating a transfer, you will find the option to manage your recipients in the menu. For existing recipients: Hover over the recipient, click on the three dots, and select ""Mark as Trusted"" . Confirm this step on your smartphone. For new recipients: Add the recipient and follow the process described above. Once you have set up your trusted recipients , you can plan and execute automatic transfers without interruption via Zapier, Make, and our API. 👉 Good to know: Recipients can also be marked as trusted via the Qonto API.",https://help.qonto.com/en/articles/5842209-how-can-i-mark-a-payee-as-trustworthy How does OneDrive connect to Qonto?,"Simplify Your Receipt Management with Qonto and OneDrive: Automatically import and archive your receipts in your personal OneDrive, where they are always ready to share. Here's how it works: Automatic Storage: Add receipts to Qonto and they will be directly secured in your OneDrive, sorted by date. Daily synchronization saves you from manual exporting. Easy Access: Your documents are stored in a special folder per business account and period, providing you with an organized overview. Secure Sharing: You decide who gets access to your files and folders. Setup in a Few Steps: In the ""Integrations and Partners"" section of your Qonto App, select OneDrive and click on ""Connect"" . Authenticate your personal OneDrive account and allow Qonto to synchronize. Determine from when your receipts should be synchronized. With a click on ""Finish"" , the setup is complete. 🎉 👉 Important to Know: This integration is intended for personal Microsoft 365 accounts. Such accounts can be identified by the endings @outlook.com/de or @hotmail.com/de. ​ Using the Integration Who? Account holders, administrators, and accountants with a Qonto and OneDrive account. When? Existing receipts are exported immediately ; new receipts daily at 11:30 PM. Storage Space: Ensure you have enough available space in your OneDrive. Data Privacy: Your data is only transmitted with your explicit consent , which can be revoked at any time. ☝ Good to Know: To optimally use the integration, make sure you have enough OneDrive* storage space for the exported receipts. You can visit this page to check your remaining storage space. If Files or Folders Are Deleted Deleted files are automatically re-imported into OneDrive. Deleting a folder removes the associated receipts. To restore deleted files, the integration must be reconfigured .",https://help.qonto.com/en/articles/6127209-how-does-onedrive-connect-to-qonto How do I connect Indy to Qonto?,"You can link your Qonto account to Indy directly to automate your accounting by exporting your receipts and transactions. How does the integration work? With the Qonto x Indy integration, your business receipts, expenses and attachments are added to your accounting and categorized automatically into their corresponding ledger accounts. Indy then pre-fills your VAT declarations and your balance sheet, which you can upload directly from the app. Your receipts are also retrieved and paired with their transactions so that your accounts are in order in the event of an audit. How to set up the integration? Open your Indy app Select Qonto from the list of available financial institutions to sync your account. On the login page, enter the same login information you use to login to the Qonto website or app. Agree to sync your transactions between Qonto and Indy... et voilà 🎉 Who can use the integration? All account owners, administrators and accountants can configure the Indy integration. All you need is a Qonto account and Indy. What data will be shared with Indy from my Qonto account? ☝️ Indy’s access is limited to your transactions only. We will not share your banking username or password. In addition, the platform is unable to charge any payments. We will not share any data with Indy without first obtaining your express authorization, which you may withdraw at any moment with a few clicks.",https://help.qonto.com/en/articles/6139108-how-do-i-connect-indy-to-qonto How does the Qonto x Google Drive integration work?,"Qonto offers two different connections with Google Drive. Depending on your needs, you can : Export your receipts from Qonto to Google Drive Import your receipts from Google Drive to Qonto How to set up the integrations ? From the Qonto web-app, go to the Integrations and Partnerships section and click on the Google Drive integration you wish to set up. Simply click Connect in the top right of the page and follow these steps: Select the Google Drive account you want to use Once logged in, authorize Qonto to sync your data with Google Drive by clicking on Continue For Qonto to Google Drive only : select the date and time from which you would like to begin syncing your receipts; you may select an earlier date or today’s date click the “✓” button Finally, click Finish… and you’re done 🎉 ☝️ Good to know : You can connect several Qonto accounts to the same Google Drive account. 1- Qonto →Google Drive This integration is available for every Qonto client, no matter the plan you have . All account owners, administrators, and accountants can set up this integration with Google Drive. When you add your receipts to Qonto, they are automatically stored and filed by date on your Google Drive account, so you always have a backup. No more forgetting to export your receipts: your receipts are synced with Google Drive daily Easier access to all your documents: your receipts are automatically imported and filed by date in a specified folder, for all your current accounts Secure file sharing: provide flexible access to specific files and folders, according to your needs To take full advantage of this integration, make sure your storage capacity in Google Drive is sufficient for exporting your receipts. To verify your storage capacity, read this page . How to use the folder created in my Google Drive? A Qonto Connect folder will be created and divided into sub-folders by current account and by time period. You can also access this folder from the “Helpful links” section created on the Google Drive page from you Qonto app. When are my receipts exported into Google Drive ? The receipts already associated with your Qonto account will be exported immediately once the integration has been configured; any new receipts uploaded to Qonto will be exported automatically once a day at 11:30 pm. If you open a new current account in Qonto after configuring the integration, a new folder will automatically be created in your storage space. What happens if I delete a file or folder in my Google Drive account? If you delete a file, it will be imported back into your Google Drive account automatically. If you delete a folder, however, the receipts it contains will be deleted from your Google Drive account: Any new receipts that you upload to Qonto for the specific period or current account will be exported as usual. To retrieve the files deleted from your Google Drive account, you will need to reconfigure the integration. 2- Google Drive → Qonto All account owners, administrators, and accountants can set up this integration with Google Drive. Your supplier's invoices from a dedicated Google Drive file will be matched and attached automatically to your transaction in your Qonto app. Keep an eye on supplier invoices to be paid: View pending invoices in a flash. Prepare for upcoming deadlines and schedule your payments. Let your accountant take it from there: Once paid, your supplier invoices are matched with the right transactions. Everything’s ready for your accountant to review. To know more about the Supplier’s invoice feature, please read this article . How to use the folder created in my Google Drive ? A Qonto Connect-Import folder will be created and divided into four sub-folders: A Dropzone folder into which you can drag and drop new receipts for your expenses. A Processing folder to which receipts are stored, awaiting to be matched to a Qonto transaction. A Matched folder where you will find receipts matched with a Qonto transaction. An Unsupported folder into which files larger than 15MB are placed, as well as files not in a JPEG, PNG, and PDF format. Every three hours , files in the Dropzone and Processing folders will be synchronized with your Qonto transactions. Which files can be processed by the integration? For your supplier invoices to be matched with the right Qonto transactions: place them in the Dropzone folder. Your files must fit the following size and format criteria: The size needs to be less than 15MB. The format needs to be either JPEG, PNG, or PDF. Only those receipts or invoices corresponding to purchases will be processed. Invoices issued by you will never be paired with a transaction and will remain stored in the processing folder. ☝️ Good to know : It’s not possible to match several supplier invoices to a single transaction using the Google Drive → Qonto integration. If many supplier invoices are uploaded for the same transaction, only one will be matched. Any additional attachments will remain stored in the processing folder. Several supplier invoices can be included in the same file, as long as the size of the file is below 15MB. What happens if I delete a file or folder in my Google Drive account? If you delete a file in one of the folders created by the integration, or one of the folders, the integration won’t be able to work properly. You will need to uninstall and reinstall the integration to keep on using it. To uninstall the integration, simply click Connected in the top right of the Google Drive page in the web application and follow these simple steps: Click on Disconnect Google Drive → Qonto Click again on Disconnect Google Drive → Qonto ☝️ Good to know : This action won’t affect supplier invoices already matched with your Qonto transactions. How much of my Qonto account data will Google Drive have access to? We will not share any of your data with Google Drive without your express consent, which you may revoke at any time with a few clicks to stop sharing your data. Without your express consent, we are unable to ensure the proper function of the integration.",https://help.qonto.com/en/articles/6066281-how-does-the-qonto-x-google-drive-integration-work How does the Xero integration work?,"Save yourself precious time by simplifying your bookkeeping: with Qonto, import all your transactions into Xero automatically. When you have new transactions in Qonto, they will be synced automatically into Xero at 11pm each night: No more tedious manual exports: your transactions are synched automatically with Xero daily. Ready to be used: your Qonto transactions are ready to be reconciled and analyzed to help you track your company expenses. ☝️ Keep in mind that attachments are not synced with this integration. If you need them in Xero, you will need to import them manually. How to set up the integration From the Qonto web app, go to the Settings icon on the bottom left of the page. Click on Integrations and Partnerships > Integrations , then search for Xero in the list of integrations. Once you are on the Xero page, simply click “Connect” in the top right of the web application screen and follow these steps: Click New authentication Enter an Authentication name of your choice; the name will be suggested to you if you decide to reconnect Xero to your Qonto account Click Create Authenticate with your Xero account information Once logged into Xero, select the Xero organization to sync with and authorize Qonto to sync your data in Xero If you have multiple organizations in Xero, in the dropdown, select the Xero organization you would like to sync with Finally, click Finish ... and you’re done. 🎉 Your integration is now ready. Your Qonto accounts will be created automatically in Xero within a few minutes. Your transactions will be synced in those newly created bank accounts. Any account you created manually in Xero will remain untouched by this integration. ☝️ Good to know: If you see Connected in the top right of the Connect Xero page, it means that a user’s Xero account is already synced. To change the Xero account linked to your Qonto account and connect your Xero account, just click on Connected and on Disconnect Xero. Then, set up the integration again by following the steps above. Please note that the synchronization of the previously connected Xero account will be stopped. Who can use the integration? All account holders, administrators and accountants can set up this integration with Xero. All you need is a Qonto and Xero account. When are my transactions imported into Xero? Any new transaction associated with your Qonto bank accounts will be synced automatically once a day at 11pm CET. If you open a new current account in Qonto after configuring the integration, it will be created automatically in Xero. What happens if I delete a transaction or a bank account in Xero? If you delete a Qonto transaction in Xero, this transaction won’t be synced again. If you delete a Qonto bank account in Xero, unless you deactivate this account in Qonto, we will create this account again in Xero. As long as the account is still active in Qonto, it may continue to receive transactions that need to be synced into Xero.",https://help.qonto.com/en/articles/6772764-how-does-the-xero-integration-work How to connect Dext to Qonto?,"🇫🇷 This article only applies to companies registered in France Dext has developed a connection with Qonto to ease the processing of transaction receipts. Attach your receipts to your Qonto transactions and they will be automatically imported to Dext. How does it work? Connect to your Qonto account Go to the Integrations and Partnerships on the bottom left section of your Qonto app interface, then Integrations . At the bottom of the page, in To Go Further , click on the link Build your own integration with our API . Generate a secret key in the API key section by clicking on Generate . This allows you to connect your Qonto account. Copy these two elements. ☝️Good to know: If you're an Accountant and cannot see the secret key of your client, please contact the Qonto account Admin to generate the secret key. Connect to Dext Go to your Dext account. In the navigation bar on the left, within the Connections menu, click on Costs . Select Qonto on the newly opened page. Paste the Qonto login and secret key and choose how many months of Qonto receipts you want to import to Dext. Click on Connect Qonto to finalize the connection. How to retrieve Qonto receipts on Dext? Attach your receipts to your Qonto transactions. To find out how to upload a receipt on Qonto, please visit 👉 our FAQ . Your Qonto receipts will be automatically added to Dext in the Inbox of the Costs section. ✌️Good to know: In case the receipts imported from Qonto to Dext have already been added, the duplicate receipts will be automatically merged into Archive or Inbox on Dext. Qonto is also connected to many other tools, to bring you the flexibility you need and allow you to go further in your finance management. Get the list of tools and discover how to connect them to your Qonto account in this article .",https://help.qonto.com/en/articles/4689893-how-to-connect-dext-to-qonto How can I use the integration between Qonto and Comptalib?,"Comptalib is an accounting tool for businesses and their professional accountants. Take advantage of the integration between Qonto and Comptalib on the Connect platform, and synchronize your Qonto transaction information with Comptalib automatically and securely. This will help you save time you would otherwise spend sending your information to your accountant through a manual export. How does the integration work? To take advantage of the integration, you will need a Comptalib account. If you haven’t already got one, enjoy one month free on a subscription to Comptalib by clicking 👉 this link . Start by retrieving your Qonto API login information: from your web app, click on Integrations and Partnerships on the bottom left, than API key . Copy and paste your login information Log in to your Comptalib application then go to the Settings tab Select the Banks tab, then click on the Qonto logo Paste your Qonto API login information and submit the form Your Qonto account is now synched, and your Qonto transaction information will be transferred to Comptalib automatically.",https://help.qonto.com/en/articles/5390833-how-can-i-use-the-integration-between-qonto-and-comptalib How does the connection between JePilote and Qonto work?,"JePilote is an invoicing and accounting tool for companies and their accountants. You can take advantage of the integration between JePilote and Qonto from the Connect platform to automatically and securely synchronize your Qonto transaction information with JePilote. This way you save time, as you do not need to forward your information to your accountant from a manual export. How does the integration work? To take advantage of the integration, you must have a JePilote Business or Pro account. If so, go to the JePilote web application. From the Banking module, click on the View account statements button. Then click on the plus button, then on Add a new synchronization . All you have to do is select Qonto from the proposed banks and enter your usual Qonto credentials. Once the integration is set up, the information of your transactions in Qonto will automatically go back to JePilote. ☝️ Good to know : The connection between JePilote and Qonto is made through the Budget Insight aggregator, which allows you to send your Qonto information in a fully secure way: The connection is protected by your Qonto credentials The data is encrypted, which means that no one can access your codes and data The connection is compliant with the European Payment Directive PSD2, for optimal protection",https://help.qonto.com/en/articles/5221435-how-does-the-connection-between-jepilote-and-qonto-work How do I use the Qonto x Evoliz integration?,"🇫🇷 This article only applies to companies registered in France. Evoliz is an accounting and invoicing tool for businesses and their professional accountants. Take advantage of the integration between Qonto and Evoliz on the Connect platform, and synchronize your Qonto transaction information automatically and securely. This will help you save time, as you would otherwise spend sending your information to your accountant through a manual export. How does the integration work? To take advantage of the integration, you will need an Evoliz account. If you already have an account, go to their web application. To connect your account statement: Open your Evoliz app and click on Données bancaires > Relevés bancaires in the left menu. Click on Nouveau relevé bancaire and select Qonto. You only have to add your Qonto login and password. To connect your supplier transfers: the integration is available through Libeo or Bridge by Bankin. With Bridge, all you have to do is fill in your Qonto credentials in Evoliz. With Libea, simply paste your API key in Evoliz. ☝️ Keep in mind : The connection between Evoliz and Qonto is made possible thanks to the Libeo or Bridge aggregators, completely secure solutions to send your Qonto information: The connection is protected by your Qonto login information Data are encrypted, which means no one can access your codes and data The connection complies with the EU directive on PSD2 payments, for optimum protection.",https://help.qonto.com/en/articles/5607031-how-do-i-use-the-qonto-x-evoliz-integration How to use the integration between Sellsy and Qonto?,"Find Sellsy on the Connect platform. Sellsy is a comprehensive CRM, invoicing, and accounting tool that helps you manage your clients and prospects, invoice faster, and take control of your accounting. By connecting Sellsy to Qonto, your transaction information is automatically uploaded to Sellsy's accounting interface to save you time on your accounting. Connecting Sellsy to Qonto is very simple and will only take a few minutes: Go to your Sellsy app, then to the Bank menu. Open List of banks . Click on Add a bank account and then choose the synchronized mode. You will then be redirected to a secure page to add a bank. Select Qonto and enter the requested information. Finally, select your account or accounts to add and click on Done . Your transaction information then automatically uploads to Sellsy.",https://help.qonto.com/en/articles/5294257-how-to-use-the-integration-between-sellsy-and-qonto How can I use the integration between Qonto and Tiime?,"Tiime is a French accounting tool for businesses and their professional accountants. Take advantage of the integration between Qonto and Tiime on the Connect platform, and synch your Qonto transaction information and attachments with Tiime automatically and securely. How does the integration work? To take advantage of the integration, you will need a Tiime account. From your Tiime web app, visit the Add a bank account tab, then click on Link an account . Select Qonto and simply fill in your Qonto login and password. Your Qonto account is now synched, and your Qonto transaction information and attachments will be transferred to Tiime automatically.",https://help.qonto.com/en/articles/5698645-how-can-i-use-the-integration-between-qonto-and-tiime How does the integration between Sibill and Qonto work?,"Sibill is the digital cash register solution for small businesses. Get an aggregate view – and always automatically updated – of your current and future cash flows. Sibill also gives you the opportunity to analyse how prospective income and expenses impact your liquidity. How does the integration work? The integration allows you to manage aggregate liquidity together with future cash flows. In fact, Sibill not only allows you to analyse aggregate current finances but also future ones, based on the history of your transactions but also on scheduled invoices. How can I integrate Sibill? Connecting your Qonto account to Sibill is really simple, all you need is just a few clicks! 🖱 To get started, click here and create an account. Then connect your Qonto account with 1 single login. Done! ✅ ☝️ Alternately: Access the Connect section of your Qonto app; Click on Sibill Select your enterprise; Click on Accept; Once directed to Sibill, select your Qonto account; Click on Connect. Done! ✅ Who can take benefit from this integration? This feature is available for all the packages offered by Qonto, you just need to create a single account on Sibill to link all your accounts.",https://help.qonto.com/en/articles/6389149-how-does-the-integration-between-sibill-and-qonto-work How can I use the integration between Qonto and Macompta.fr,"Macompta.fr is an accounting tool for businesses and their professional accountants. Take advantage of the integration between Qonto and Macompta.fr on the Connect platform, and synchronize your Qonto transaction information with Macompta.fr automatically and securely. This will help you save time that you would otherwise spend sending your information to your accountant through a manual export. How does the integration work? To take advantage of the integration, you will need a Macompta.fr account. Start by opening their web application. From the Input menu, click on the Bank tab. Then click Import bank statement , then on Automatic import . Select the Banks tab, then click on the Qonto logo When the menu opens, enter your Qonto login information. Your Qonto account is now synched, and your Qonto transaction information will be transferred to Macompta.fr automatically. ☝️ Keep in mind : The connection between Macompta.fr and Qonto is made possible thanks to Budget Insight, a completely secure solution to send your Qonto information: The connection is protected by your Qonto login information Data are encrypted, which means no one can access your codes and data The connection complies with the EU directive on PSD2 payments, for optimum protection.",https://help.qonto.com/en/articles/5390848-how-can-i-use-the-integration-between-qonto-and-macompta-fr How does the connection between lexoffice and Qonto work?,"Our team has developed a simple and secure connection with lexoffice to simplify bank account reconciliation in your favourite bookkeeping tool. How does it work? The Qonto x lexoffice integration simplifies the reconciliation of your transactions by automatically syncing all your Qonto accounts. Retrieve your transactions and all your receipts in just a few clicks. Accounts, transactions, and attachments available in your Qonto account will automatically sync and added to lexoffice every day at 4:30 am (Paris time). ✌️ Good to know: The integration is fully secure, and we won't share any information to our partner without your explicit consent, which you can revoke at any time. Who can benefit from this connection? Any person with an owner/admin/bookkeeper access to a Qonto account can set up this integration. The only prerequisite is to have a Qonto and a lexoffice account. How to set up the connection? Retrieve your Qonto accounts in a few minutes! Go to the Connect section in Qonto and click on the lexoffice card Click on Connect at the top right of the page Set your authentication name Authenticate with your lexoffice account information Enable Qonto to sync your data by clicking on Accept (Optional) Import your history by selecting the date you want to start syncing your transactions from. 💡 Make sure you validate your selection by clicking on the check mark ☑️ on the right of the date, and only then click on the Finish button. Your integration is now ready! Your Qonto accounts will be automatically created in a few minutes, with no further action required on your side. ✌️ Good to know: If you want to disconnect lexoffice from your Qonto account, it's also very easy! Click on the Connected button, in the top-right corner, and then on Disconnect . Finally, confirm your choice. How to match my Qonto and lexoffice accounts? All your Qonto accounts are automatically imported when you set up the integration. In order to not disrupt your current accounts in lexoffice, by connecting your qonto account, a new account is created with Qonto as a bank name. ℹ️ If you modify the account name / number in lexoffice, the modified account will not be recognized any more and a new account will be created. Why are my attachments not synced? When connecting your Qonto Bank account to lexoffice, future attachments will automatically be forwarded to your account. However, no automated matching will take place . You will have the possibility to link attachments to the appropriate transaction directly in your account. Why can I not see my past attachments? Please note that attachments can only be synced from the moment of the effective connection between the Qonto and lexoffice account. No backfill of attachments will be possible. What if my account history is not imported? If your transaction history is not imported from the selected date, you have to disconnect lexoffice from your Qonto account and set up the integration again by following the steps detailed below: Disconnect it from your Qonto account by clicking on the Connected button in the top-right corner of the lexoffice page, then on Disconnect and confirm your choice. Click on Connect again and follow the steps 3 to 4, detailed in the How to set up the connection? Section of this FAQ. 💡 During step 6, once you have set the start date for importing transactions, make sure you validate your selection by clicking on the check mark ☑️ on the right of the date and only then click on the ' Finish ' button.",https://help.qonto.com/en/articles/5966354-how-does-the-connection-between-lexoffice-and-qonto-work How does the connection between Zoho Books and Qonto work?,"Our team has developed a simple and secure connection with to simplify bank account reconciliation in your favorite bookkeeping tool. How does it work? The Qonto x Zoho Books integration simplifies the reconciliation of your transactions by automatically syncing all your Qonto accounts. Retrieve your transactions and all your receipts in just a few clicks, and define your own categorization rules for even more efficiency. Accounts, transactions, and attachments available in your Qonto account will automatically be synced and added to Zoho Books every day at 8:30 pm. ✌️ Good to know: The integration is fully secure, and we won't share any information to our partner without your explicit consent, which you can revoke at any time. Who can benefit from this connection? Any admin or owner of a Qonto account can set up this integration. The only prerequisite is to have a Qonto and a Zoho Books account. How to set up the connection? Retrieve your Qonto accounts in Zoho Books in a few minutes! Go to Settings > Integrations and partnership in your Qonto web app and search for Zoho Books card Select the Zoho Books card and then click Connect at the top right of page Set your authentication name Authenticate with your account information Enable Qonto to sync your data to Zoho Books by clicking on Accept (Optional) Import your history by selecting the date you want to start syncing your transactions from. 💡 Make sure you validate your selection by clicking on the check mark ☑️ on the right of the date, and only then click on the Finish button. Your integration is now ready! Your Qonto accounts will be automatically created in a few minutes, or matched to existing Zoho Books accounts (active or inactive), with no further action required on your side. ✌️ Good to know: If you want to disconnect from the integration, it's also very easy! Click on the Connected button, in the top-right corner, and then on Disconnect Zoho Books . Finally, confirm your choice. How to match my Qonto and Zoho Books accounts? All your Qonto accounts are automatically imported when you set up the integration. If a match is found, your Qonto and Zoho Books accounts will be automatically configured and associated, with no action required on your side. For a Qonto account to be matched , the bank name must be Qonto and the last 4 digits of the Zoho Books account number must match the last 4 digits of your Qonto account IBAN. If no match is found, a new account will be created in Zoho Books with Qonto as a bank name and with an account number corresponding to the Qonto account IBAN. ℹ️ If you modify the account name / number in Zoho Books , the modified account will not be recognized any more and a new account will be created. Why are my attachments not synced? You must categorize the transactions that have been synced in Zoho Books in order to retrieve your receipts from Qonto. Once you have applied a category to your transactions, the attachments will automatically be added during the next sync (8:30 pm every day). What if my account history is not imported? If your transaction history is not imported from the selected date, you have to disconnect Zoho Books from your Qonto account and set up the integration again by following the steps detailed below: Disconnect Zoho Books from your Qonto account by clicking on the Connected button in the top-right corner of the page, then on Disconnect and confirm your choice. Click on Connect again and follow the steps 3 to 4, detailed in the How to set up the connection? Section of this FAQ. 💡 During step 6, once you have set the start date for importing transactions, make sure you validate your selection by clicking on the check mark ☑️ on the right of the date and only then click on the ' Finish ' button.",https://help.qonto.com/en/articles/5639579-how-does-the-connection-between-zoho-books-and-qonto-work How to setup Qonto & DATEV with RZ-Bankinfo?,"Synchronize your transactions between Qonto and DATEV Unternehmen Online or DATEV Kanzlei Rechnungswesen using our DATEV RZ-Bankinfo integration. Activate automatic transaction retrieval by DATEV now and generate automatic booking suggestions. Save time and energy! DATEV RZ-Bankinfo is a service that enables the automatic retrieval and processing of bank data within the DATEV accounting software. Setting up a connection ensures seamless integration and automates the import of transaction data for efficient financial management. ☝️ IMPORTANT! Please set up RZ-Bankinfo in your DATEV application first and only AFTER THAT connect it via Qonto . Only then can we guarantee a trouble-free connection between Qonto and DATEV RZ-Bankinfo. ☝️ The DATEV integrations are only available to customers with a German IBAN at Qonto. To synchronize your attachments between Qonto and DATEV Unternehmen Online (DUO), you need to set up the DATEV Belegbilderservice integration. You can learn how to set up the DATEV Belegbilderservice integration in this article. ​ You can also synchronize your transactions with DATEV Unternehmen Online (DUO) using FinAPI (PIN/TAN procedure). Find out how it works here. What are the prerequisites for setting up RZ-Bankinfo with DATEV for your Qonto account? You or your tax advisor use a fully configured DATEV accounting software (DATEV Unternehmen Online, DATEV Kanzlei Rechnungswesen). You have DATEV Zahlungsverkehr installed on the computer from which data is to be transmitted, and the Zahlungsverkehr-Online operation has been started. You have access to the DATEV data center (DATEV SmartCard / DATEV mIDentity). Who can use this DATEV integration? All account holders, administrators, and accountants can set up the DATEV integrations with Qonto. This DATEV integration is available for our Smart, Premium, Essential, Business, and Enterprise packages. Click here to find out how to change your current plan. How do I set up Qonto with DATEV and RZ-Bankinfo? STEP 1 - Set up bank connection ​The bank connection is usually created when setting up a new client database in DATEV Unternehmen online. Alternatively, you can set it up later via Stammdaten -> Unternehmensangaben -> Registerkarte Bank . You can find instructions on how to create a new bank connection in this DATEV guide . ​ STEP 2 - Send your data to the DATEV data center Now you need to set up your master data and send it to the DATEV data center. Usually this set-up is carried out via your tax advisor and is possible via the DATEV applications Kanzlei-Rechnungswesen, DATEV Mittelstand Faktura mit Rechnungswesen or DATEV Zahlungsverkehr. ​ A detailed DATEV guide for this step can be found here under Step 2.1. For further questions, please consult your tax advisor for setup. ​ STEP 3 - Fill and Save the declaration of participation Upon successful transmission of the data to the DATEV data center, DATEV automatically generates and displays a declaration of participation. ​ Enter the account holder according to the account information, print the document using a DATEV accounting tool, and save it locally. You do not need to submit the Declaration of Participation to Qonto. ​ STEP 4 - Set up automatic transaction retrieval You and your tax advisor now habe the option to retrieve the transaction data directly in the DATEV accounting program via RZ-Bankinfo. Setup for your tax advisor in DATEV Mittelstand Faktura, Kanzlei-Rechnungswesen, or DATEV Zahlungsverkehr Go to Stammdaten , select the desired bank connection, and click on the Eigenschaften -> Konto button. Now choose the DFÜ path RZ-Bankinfo as the source for the account transactions. Under Eigenschaften -> Abholtermin , you can now select the desired retrieval frequency for the account statements and confirm with OK . Setup transaction retrieval in DATEV Unternehmen Online Go to Anwendungen -> Bank , click on Bankverbindungen , and select the set up bank connection with Qonto.​ Click on the Umsatzabholung tab and activate the "" „Kontoumsätze abholen und im Archiv speichern“ checkbox. ​ Select DATEV data center (DATEV RZ-Bankinfo) as the retrieval method via the DFÜ-Weg and click on übernehmen . ​ STEP 5 - Activate DATEV RZ-Bankinfo in the Qonto WebApp Navigate to Integrations and Partners > Integrations in the Qonto WebApp and click on DATEV integration for RZ-Bankinfo .​ Click on the application's tile, then click on connect . ​ Now confirm that you have already fully set up DATEV-RZ-Bankinfo in DATEV and accept the setup of Qonto and RZ-Bankinfo. ​ 🚀You have now successfully connected Qonto and DATEV RZ-Bankinfo! You can find further information in these DATEV guides: ​ ​Setting up RZ-Bankinfo in DATEV ​ ​DATEV Bank online Automated transaction collection ​ DATEV Zahlungsverkehr - Automated transaction collection Can I link several bank accounts with DATEV RZ-Bankinfo? Yes, DATEV RZ-Bankinfo supports connections to multiple bank accounts. During the setup process, you can add and configure connections for each bank account to be integrated. Do you have questions about linking your account to DATEV or synchronising your account transactions? DATEV Unternehmen online offers technical support and provides you with further information in the DATEV help portal.",https://help.qonto.com/en/articles/8791570-how-to-setup-qonto-datev-with-rz-bankinfo How to synchronize attachments with the DATEV Belegbilderservice and Qonto?,"Easily prepare your accounting in Qonto. Your receipts and invoices are automatically synchronized with DATEV, saving you time & energy. No more switching between Qonto, DATEV Unternehmen Online (DUO), and your tax advisor. ❗Important to know: The DATEV integrations are only available for customers with a German IBAN at Qonto. ​ To synchronize your transactions between Qonto and DATEV Unternehmen Online (DUO) as well, you need to set up the DATEV interface for transactions. ​ You can learn how to set up the DATEV interface for transactions with finAPI (PIN/TAN) in this article . Learn how to set up the DATEV transaction interface with RZ-Bankinfo in this article . What are the prerequisites for connecting your Qonto account to the DATEV Belegbilderservice? You or your tax advisor have fully set up DUO for your company. An inventory (""Bestand"") for DATEV documents online (standard or extended processing form) is available There are at least standard rights for DATEV Belege online on the access medium (client or tax firm) For your login in DUO, you have a SmartLogin, SmartCard, or mIdentity. Further information can also be found in the DATEV instructions for the DATEV Belegbilderservice. Who can use this DATEV integration? All account owners, administrators, and accountants can set up the DATEV integrations with Qonto. This DATEV integration is available for our Smart, Premium, Essential, Business, and Enterprise packages. Click here to learn how you can change your current tariff. How do I set up the DATEV interface for attachments? Go to the Integrations and Partners > Integrations section at the bottom left of the Qonto Web-App and click on DATEV Belegbilderservice. Just click on the application tile and connect. Then please follow these steps: Define your Authentication name Authenticate with your DATEV login details Enable Qonto to synchronize your attachments with DATEV by clicking ""I agree."" Import your history by selecting the date from which you want to synchronize your attachments. Ensure you confirm your selection by clicking the checkmark ☑️ next to the date and then click the Finish button. Your integration is now complete!🎉 Your Qonto attachments will automatically be synchronized and added to DATEV Unternehmen Online (DUO) daily at 07:00 AM (GMT+1). How do I disconnect the DATEV Belegbilderservice? Click on the Connected button in the top right corner of your screen. Then click on Disconnect the DATEV Belegbilderservice. Finally, confirm your selection. What happens if my attachments are not correctly imported into DATEV Unternehmen Online (DUO)? If your attachment history from the selected date is not imported, you need to disconnect the DATEV Belegbilderservice from your Qonto account and set it up again by following the steps described above. Will my attachments and transactions automatically match in DATEV? There is no automatic matching in DATEV Unternehmen Online (DUO). Your tax advisor has the option to link attachments directly in the DATEV Unternehmen Online account to the corresponding transaction. What files can be processed with the DATEV Belegbilderservice? For your attachments to be synchronized with DATEV Unternehmen Online (DUO), your files must meet the following size and format criteria: We recommend that the size of each attachment does not exceed 500 KB; the maximum supported size is 20 MB. The format must be either JPEG, PNG, or PDF. Once you synchronize your documents with the DATEV Belegbilderservice, they will be converted into PDF files. 👉 Good to know: A low file size directly contributes to keeping your ongoing costs with DATEV Unternehmen Online (DUO) as low as possible. The maximum file size in a synchronization process must not exceed 20 MB. How much access do DATEV and Riecken Webservice & Application GmbH have to my Qonto account data? We do not share any of your data with Riecken Webservice & Application GmbH or DATEV without your explicit consent, which you can revoke at any time with a few clicks to stop sharing your data. Riecken Webservice & Application GmbH is an official DATEV Marketplace member and a Qonto partner we rely on to ensure the smooth functioning of the integration. 🤝 Need support? You have questions about linking your account with DATEV or synchronizing your account transactions? DATEV Unternehmen online offers technical support and provides further information in the DATEV Help Portal . ​ If you have questions or need help, the Qonto Service Team is happy to assist you at any time via chat in your Qonto App. ​ Find more help articles on the topic of partners and integrations here .",https://help.qonto.com/en/articles/6579225-how-to-synchronize-attachments-with-the-datev-belegbilderservice-and-qonto Which options do I have with Qonto and DATEV?,"By integrating Qonto with DATEV, you can simplify your accounting while saving time and energy. Our integrations allow you to automatically synchronise transactions, receipts and invoices between Qonto and DATEV, eliminating time-consuming manual tasks. ​ ​ The seamless connection between Qonto and DATEV allows you to streamline your accounting and focus on growing your business. Qonto currently offers three different interfaces for DATEV, available for customers with a German IBAN at Qonto. ​ ​ DATEV Belegbilderservice ​ DATEV-Schnittstelle with RZ-Bankinfo ​ DATEV-Schnittstelle with FinAPI (PIN/TAN) What advantages do the DATEV integrations with Qonto offer me? DATEV Belegbilderservice Automatic synchronization of receipts and invoices between Qonto and DATEV Unternehmen Online (DUO). Time savings through automatic synchronization, no manual transfer of receipts required. Prerequisites: Complete setup of DUO for the company including DATEV Belege Online, access medium for the login (SmartLogin, SmartCard or mIdentity). DATEV interface with RZ-Bankinfo Automatic retrieval and processing of bank data within the DATEV accounting software. Seamless integration to automate the import of transaction data for efficient financial management. Automatic creation of booking suggestions in the DATEV accounting software. Important: RZ-Bankinfo must be set up in the DATEV application before the connection is established via Qonto. Prerequisites: Complete setup of DATEV accounting software, access to the DATEV data center (SmartLogin, SmartCard, or mIdentity). DATEV interface with FinAPI (PIN/TAN) Convenient and easy synchronization of transactions between DATEV Unternehmen Online (DUO) and the Qonto account via the FinAPI interfaces. Prerequisites: Complete setup of DUO for the company, access medium for the login (SmartLogin, SmartCard or mIdentity). Who can use the DATEV integrations with Qonto? All account holders, administrators and accountants can set up the DATEV integrations with Qonto. Please note that the DATEV receipt image service and the DATEV interface with RZ-Bankinfo is only available for our Smart, Premium, Essential, Business and Enterprise packages . Click here to find out how to change your current tariff Further information on setting up DATEV and Qonto can be found here: ​ ​ How do I synchronise attachments with the DATEV Belegbilderservice and Qonto? ​ How do I synchronise my transactions between DATEV DUO and Qonto with FinAPI (PIN/TAN)? ​ How do I set up Qonto & DATEV with RZ-Bankinfo?",https://help.qonto.com/en/articles/8791518-which-options-do-i-have-with-qonto-and-datev How do I synchronize my transactions between DATEV DUO and Qonto with FinAPI (PIN/TAN)?,"Synchronize your transactions between DATEV Unternehmen Online and your Qonto account conveniently and easily with our DATEV integrations. In this article you will learn how to connect DATEV Unternehmen Online with Qonto and synchronize your transactions with the PIN/TAN procedure via FinAPI. ☝️ The DATEV integrations are only available for customers with a German IBAN at Qonto. ​ To synchronize your attachments between Qonto and DATEV Unternehmen Online (DUO), you will have to set up the DATEV Belegbilderservice integration. To set up the DATEV Belegbilderservice integration, please consult this dedicated article. Which requirements are necessary to Connect your Qonto account to DATEV Unternehmen Online (DUO)? You or your tax advisor have fully set up DUO for your business. You have a SmartLogin, SmartCard or mIdentity for your login to DUO. Who can use this DATEV integration? All account holders, administrators and accountants can set up the DATEV integrations with Qonto. This DATEV integration is available in all price plans. How do I set up Qonto with DATEV DUO and FinAPI (PIN/TAN)? 1. Add your Qonto business account to DUO Log in to DUO at duo.datev.de . In the area Anwendungen , go to Stammdaten . Now click on Unternehmensangaben on the menu bar on the left. In the next window, go to the Bank tab. Now click on Bankkonten and + Bankkonto hinzufügen . If you have several Qonto accounts (sub-accounts), please add them individually. Enter your Qonto account details and click Hinzufügen . Select Einstellungen Zahlungsverkehr below. By clicking on Neu / Hinzufügen , you create an HBCI access for the previously created account connection. A window now informs you about the third-party provider finAPI, which provides the banking interface. Now click on Weiter . Now select the interface Access to Account (XS2A) . 2. Establish an interface connection with Qonto In the next window, enter your Qonto IBAN in both the field Anmeldedaten and the field Kontoreferenzen . Then click Bankdaten abrufen . 3. Synchronize Qonto transactions Go to the Stammdaten application and click Unternehmensangaben in the Stammdaten Online section. Select the desired account. In the field Einstellungen , go to the Umsatzabholung section and click Übernehmen . Under the application Bank , go to Startseite Bank . Now start the synchronization. In the field Bankkonto , click on the Update button (two green arrows). Now your data will be transferred to DUO. Select Kontoumsätze prüfen to check the “Auftraggeber-Bankverbindung” and the “Benutzer” again. Finally, click on Kontoumsätze holen . Your transaction data has been successfully synchronized and you can now view it in your DATEV application. Do you have questions about linking your account with DATEV or synchronizing your account transactions? DATEV Unternehmen online offers technical support and provides you with further information in the DATEV Help Portal .",https://help.qonto.com/en/articles/5190859-how-do-i-synchronize-my-transactions-between-datev-duo-and-qonto-with-finapi-pin-tan How does the integration between TeamSystem and Qonto work?,"Thanks to the integration between TeamSystem and Qonto, you can finally optimize the management of receipts and payments by connecting your company accounts to your management systems. By connecting your Qonto account to your accounting software, you can: – Consult the balance and movements of your accounts, automatically updated every day; – Check your financial situation from a single point and save time and resources; – Search, filter, sort and export the aggregated movement lists of your accounts; – Easily reconcile bank movements with invoices receivable and payable and reduce the possibility of errors. In conclusion, make your treasury and account reconciliation processes more effective in an automated manner, reducing the risk of errors and the need for cross-checks and revisions. The TeamSystem group is a leader in Italy in the development and marketing of management software for small companies, micro-businesses and professionals. How do you access the feature? To connect your Qonto accounts to TeamSystem you need to have integrated the module to your management or accounting software. Then simply click on 'Add another account' to add your IBANs. Once connected, you can manage collections and payments directly from the interface: importing transactions from the period of interest and initiating invoice payments, partial or total, directly from the document. If you require assistance, you can refer to the assistance you already benefit from with your management software. In addition, here you will find frequently asked questions about the TeamSystem Pay module.",https://help.qonto.com/en/articles/6921679-how-does-the-integration-between-teamsystem-and-qonto-work How do I use the Sage x Qonto integration?,"Sage is an accounting tool for businesses and their professional accountants. Take advantage of the integration between Qonto and Sage 50c and Sage Business Cloud Accounting on the Connect platform, and synchronize your Qonto transaction information with Sage automatically and securely. To configure a connection between Qonto and Sage 100, Sage 1000 or Sage X3, please refer to the article How do I connect Qonto to my accounting or treasury tool via EBICS? How does the integration work? To take advantage of the integration, you will need a Sage account. If you already have an account, go to the Sage web application. For Sage 50c users: Log in to your account and open the Folder menu, then click Connected services . If you are a Sage Business Cloud Accounting user: Log in to your account and click Cash Flow , then click Connect Bank at the bottom right of the bank account you would like to connect. In the Bankin’ sidebar on the page displayed, click on Learn more . On the page introducing the service, click on the Connect button. Then select Qonto . Enter the username and password for your bank, and add your account. You will then be able to set up a bank feed and bank reconciliation. ☝️ Keep in mind : The connection between Sage and Qonto is made possible thanks to the Bankin’ aggregator, a completely secure solution to send your Qonto information: The connection is protected by your Qonto login information Data are encrypted, which means no one can access your codes and data The connection complies with the EU directive on PSD2 payments, for optimum protection.",https://help.qonto.com/en/articles/5390852-how-do-i-use-the-sage-x-qonto-integration How do I connect Fizen to Qonto?,"You can link your Qonto account directly to Fizen to automate your accounting. How does the integration work? With the Qonto x Fizen integration, the transactions and receipts available in your Qonto account are duplicated in your account. No more entering the same information twice; it is synched automatically every day. How to set up the integration? Open your Fizen app In your account settings, open the Bank accounts sections, select Add an account and select Qonto as the source You will then be redirected to a Qonto login page to grant Fizen access to information from your bank accounts Once the authentication process is completed, all of your Qonto bank accounts will be generated in your Fizen account Who can use the integration? All account owners, administrators, and accountants can configure the Fizen integration. All you need is a Qonto and Fizen accounts. What data will be shared with Fizen from my Qonto account? ☝️ Fizen has access only to your transactions and receipts. We will not share your banking username or password. In addition, the platform is unable to charge any payments. We will not share any data without first obtaining your express authorization, which you may withdraw at any moment with a few clicks.",https://help.qonto.com/en/articles/6176623-how-do-i-connect-fizen-to-qonto Where can I find my API login and secret key?,"Many third-party applications require your login and your secret key to allow the share of information between your Qonto account and external tools like accounting softwares. You can therefore offer read-only access to this software to automate the transfer of information. You can also initiate actions on your account through API, but no worries, strong authentication protects these sensitive actions. 🔐 Keep in mind that your login and your secret key are not the same as your email and password. How does it work? You have a Smart, Premium, Essential, Business, or Enterprise plan? Good news, your login and secret key are automatically generated. To get them: Go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > API key You have a Basic plan? To get your login and secret key: Go to your Qonto web app, and click on the Settings icon on the bottom left of the page Click on Integrations and Partnerships > API key You will see the name of your organization followed by a number (it's your login name) Then, click on Generate to see your secret key. 💡If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone. ☝️ Good to know: The Regenerate button will allow you to renew this key later. This will revoke access to your account for all integrations that used your previous secret key. ⚠️ You want to disable your accountant’s access? You can check this article for more information. You will also need to regenerate your login and secret key so that the accountant will no longer have access to your account information. You can find the full list of apps that connect with Qonto, as well as the credentials to use for each by following this link .",https://help.qonto.com/en/articles/4359624-where-can-i-find-my-api-login-and-secret-key How does Qonto verify applications in the Integrations and Partnerships section?,"Discover how Qonto makes the world of integrations and partners safe and reliable: Your Security is Our Priority At Qonto, we take the quality and security of the integrations and partner services in your app very seriously. For this reason, all tools and services undergo a thorough verification process. Our Criteria – Your Trust All integrations and partners must meet the following criteria: Secure Connection: Every application is secured with a strong login and password, which occurs via our API or a partner, to keep your data protected. Targeted Access: The tools only have access to the information they need – your financial data remains private and secure. Double Protection: For sensitive actions, such as transfer requests, double authentication is required (SCA). In practice, SCA means linking a smartphone to your account. Every sensitive operation you or your teams perform must be validated by approving a notification in the Qonto app. Control in Your Hands: You have full control and can revoke access to your Qonto account at any time via the Partners & Integrations menu item or the third-party tool. ☝ Good to know: Every tool and service offered to you under Partners and Integrations has been personally tested by us at Qonto to guarantee a smooth and secure experience. 👉 Need Support? If questions arise or you need help, a support team is ready for each app to assist you. On each of the cards in the Partners & Integrations menu, you will find the necessary information to make direct contact.",https://help.qonto.com/en/articles/4470305-how-does-qonto-verify-applications-in-the-integrations-and-partnerships-section How do I set up the jedeclare.com integration?,"Work more efficiently with your accountant thanks to jedeclare.com - the reporting and banking platform serving over 3 million companies via 20,000 accounting firms. Qonto is connected to jedeclare.com via a communication protocol called “EBICS”, which enables the encrypted and protected transfer of financial data. This ensures that our customers’ financial data remains confidential and secure at all times. Who can generate and sign a mandate on Qonto? A mandate is a legal document. It grants a company's consent to share its account statements with its accounting firm through the jedeclare platform. All Account Holder , Admin , and Reporting roles can generate and sign a jedeclare mandate on Qonto. How do I generate and sign a jedeclare.com mandate on Qonto? From your computer, follow these simple steps: On the Qonto web app, go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > Integrations Use the search bar to find the integration, and click on jedeclare . Then, click Connect in the top right of the page. Click on Next to continue the integration setup. Provide the following information about the certified public accountant: First name Last name Email address (this address doesn’t need to be linked to the certified public accountant’s jedeclare account) Company name (of the certified public accountant) Finally, click on Finish to send the signed mandate to your certified public accountant. Your accountant will gain limited access to your account, if they don’t already have it. To know more about accountant access, check out this dedicated article . ☝️ It’s also possible to install the integration in the Connect section by clicking on any other accounting tool supported by jedeclare. Supported tools include Cegid Expert, Cegid Quadra, ACD, Fulll, Myunisoft, Agiris, Sage Generation Expert and 10+ others. How can the certified public accountant finish setting up the jedeclare.com integration? To finish installing the jedeclare integration, your certified public accountant needs to follow these steps: Go to the email address used to generate and sign the mandate and click on the email sent by “ [email protected] ”. Click on Access documents to be redirected to the Yousign app. Click on Start , scroll down the page, and click on Sign at the bottom right of the screen. If using a mobile device, swipe right or press Enter for a few seconds to sign the document. The final step is to upload the mandate, signed by both the certified public accountant and the Qonto customer, into jedeclare to start retrieving account statements. If you any questions about uploading the signed mandate into jedeclare, you can learn more by reading this dedicated article . 👆 Account statements from the day the mandate was generated on Qonto will be available 24 hours after it is uploaded to jedeclare. How do I install the jedeclare.com integration with a basic plan? ☝️ This feature is available for our Smart , Premium, Essential, Business and Enterprise plans. The jedeclare integration is only available for Smart and above price plans. To install it, you’ll need to upgrade your plan if you’re currently on a Basic plan: On the Qonto web app, go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > Integrations Use the search bar to find the integration, and click on jedeclare. Then, click Connect in the top right of the page. Click on Upgrade plan at the top right of your screen. Choose the plan that best suits your needs, and then click Choose . To confirm your choice, click Confirm . What happens if the mandate was generated on Qonto more than 6 months ago? If the mandate wasn’t uploaded into jedeclare within six months of its generation on Qonto, you’ll need to set up the integration again. On the Qonto web app, go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > Integrations Use the search bar to find the integration, and click on jedeclare. From there, click on Disconnect at the top right of the page, and click again on Connect . Next, follow the steps explained in the section above “How do I generate and sign a mandate from Qonto?”. Can the certified public accountant generate the mandate directly on jedeclare.com ? Certified public accountants can generate a mandate directly on jedeclare, like they would with any other banking partner, or e-sign the mandate with jesignexpert.com , for example. Any questions? You’ll find the answers in this dedicated article . This feature is available for our Smart , Premium, Essential, Business and Enterprise plans. Once the mandate is uploaded to jedeclare, the associated Qonto account will need to be upgraded to Smart. Once this plan change is effective, the connection with jedeclare will be initiated and the certified public accountant will be invited to an Accountant role. 👆If the organization remains on a Basic plan, the connection won’t be initiated. If a webscraping connection with jedeclare was already active, it will be maintained. How can I contact jedeclare.com ’s customer support? jedeclare.com’ s customer support is available Monday to Friday, from 8:00 to 20:00 (CET), via: Phone: 08 90 71 06 13 (€0.15 per minute) Email: [email protected]",https://help.qonto.com/en/articles/7187451-how-do-i-set-up-the-jedeclare-com-integration What is the Integrations and Partnerships section?,"Discover the Integrations and Partners Area The Integrations and Partners area is available at the bottom left in the settings of your Qonto Web App. In this area, you will find carefully selected partner offers and application integrations by Qonto for you. Our goal is to automate time-consuming tasks and processes , allowing you to focus on what is truly important to you: the growth of your business. A Variety of Applications at Your Disposal Within this area, a world of possibilities opens up to optimize your finances and cash flow management, thereby saving valuable time in your daily routine. Forward-Looking Integrations : Discover modern solutions like the integration with Slack, specially developed for you by the Qonto team. Accounting Tools and More: Find selected accounting tools and other useful applications that seamlessly connect with Qonto to facilitate your financial management. Value-Added Financial Services: Benefit from exclusive partner offers that Qonto has compiled in cooperation with providers of financial services, accounting services, and payment terminals for you. Immerse yourself in the world of Qonto's integrations and partners and discover how you can run your business more efficiently . Would you like to suggest other partners? We are always listening to our customers and ready to respond to your needs. Let us know what other tools you would like to find among our partners by writing to [email protected] . ☝ Good to know: Qonto conducts comprehensive security and quality checks for all integrations and services. Learn more in this article . The Integrations and Partners area is available to all Qonto customers.",https://help.qonto.com/en/articles/4470323-what-is-the-integrations-and-partnerships-section What apps can I connect to my Qonto account?,"Thanks to this link , you can find the list of applications you can connect to Qonto, the integration installation mode, as well as more information about the data you can synchronize. 👆 Good to know: The installation mode, as well as the data that you can synchronize, is specific to each integration. How do you connect an app with Qonto? Check this page to find out the connection type for each app and get more information. Then, refer to the information to connect your tool to Qonto. Connecting to your app from the Qonto web app : Go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > Integrations Search for the integration you want to install and select it. Then, click Connect in the top right of the page Finally, follow the instructions to finish installing the integration. Connecting directly to the app with your Qonto login details: The integration is done directly from the app that you want to connect to Qonto: you will need your Qonto login details to install the integration. Connecting to Qonto with your Qonto API key: From the Qonto Web app : Go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > API key Then enter that API key directly from the app you want to connect to Qonto 👆 Keep in mind: For more information on your API key, please read this dedicated article . What do I do if an integration isn’t available? You can suggest a new integration to us directly, from the Qonto web app:You can suggest a new integration to us directly, from the Qonto web app: Go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > Integrations Scroll down the page, click on the box “ Can't find an integration for your favorite tool?” to suggest a new integration You can also use Zapier and Make (previously Integromat), to automate certain manual tasks, or connect your Qonto account to even more tools. Have you developed a new integration? Please go ahead and email us at [email protected] , so that we can share it. For request related to the creation of an account or your existing account, please reach out to [email protected] .",https://help.qonto.com/en/articles/4359616-what-apps-can-i-connect-to-my-qonto-account How to match your invoices with incoming payments?,"With Qonto, you can easily track the status of your customer invoices and match them with their corresponding transaction when you mark them as paid. This process allows keeping your books accurate and save time on your accounting. You can match customer invoices and transactions automatically or manually . Read on to learn how to use each of these methods. How can I automatically match invoices and incoming transactions? Qonto can mark as paid and automatically match your invoice with an incoming transaction, if the corresponding bank transfer has at least one of the two following information in the reference field: Reference number : it can easily be found at the bottom of the invoice itself Invoice number : displayed at the top of your invoice. We recommend you to tell to your clients to include them in the bank transfers. 💡 If you choose option 2: your invoices need to follow a certain pattern detailed in this article . Please note that an invoice can be automatically matched only if it is fully paid . In case of multiple payments, you have to manually match and mark them as paid. See below how to manually match multiple payments. ​ ☝️ Important in case of multiple accounts : For the payment to be reconciled with the invoice, your customer should make the transfer to the IBAN indicated on the invoice. How can I manually match my invoices with the incoming transactions? You can also manually mark invoices as paid and match them with an incoming transaction. This is helpful if your client pays the invoice in multiple installments or if you are not paid by bank transfer. 💡 Manual matching is available via both web and mobile app. From the Invoices section, go to Client Invoices and click on the invoice you want to associate with an incoming transaction. You will be displayed the invoice and from the side panel click on Mark as paid . Now it’s time to match the invoice with the transaction by: Select the matching transaction from the recommended ones If you don’t see your payments, type the client name, the reference, or the amount in the search bar If the customer paid you outside Qonto, you can click on “Were you paid outside Qonto?” and then enter the transaction’s date. What can I do if I have multiple payments to match with the same invoice? An invoice could be paid with more than one transaction. If this is your case, you can match different transactions with the same invoice. Select the invoice, click the + button and follow the above instructions. What can I do if I want to delete the payment matched? In case you want to delete a payment previously associated (automatically or manually) with one of your invoices, you can easily do it by clicking the X button next to the matched transaction . If all the matched transactions are deleted, the invoice status will change back to To be paid .",https://help.qonto.com/en/articles/6679000-how-to-match-your-invoices-with-incoming-payments What additional information should my customer invoice include?,"Depending on your location and legal form, it may be necessary for your customer invoices to contain certain additional information, in addition to the fields that you must fill in when creating a customer invoice . This additional information can be related to your business, the product, or service that you provided, your customer, and/or the payment conditions. 👉 Good to know: This article applies to companies registered in France. 🇫🇷 You can easily add additional information to your invoice by using the text box labeled Footer (optional) at the bottom of the Create an invoice panel. The information that you enter here will appear at the bottom of your invoice, and we’ll automatically save it so that you can easily reuse it on your next invoice if needed. Let’s dive in: Mandatory fields VAT identification number or Numéro de TVA intracommunautaire: only for invoices where the total amount (excluding VAT) is equal or superior to €150. NAF code: Attributed by the INSEE and consisting of 4 digits and 1 letter (which you can find in your Kbis or on the ISEE’s website ) Penalty conditions: There are two types of penalty conditions to include Late payment fees: You can choose between the ECB master rate + 10%, 3 times the legal interest rate, or agree on a different rate with your client. Lump sum of €40: This penalty applies to every invoice that is paid after its due date and cannot be modified. Optional fields In addition to the mandatory fields above, you may need to include other fields, as detailed below: 🛍️ Details about your product or service Delivery date of product or service: when it’s different from the Due date . **** Purchase order number: only if you communicated one to your client beforehand. 👤 Your Qonto customer details Billing address: when it’s different from your Legal address . VAT identification number: only if the total amount of your invoice (excluding VAT) is greater than or equal to €150. Reference to VAT exemption: include if your business is exempted from VAT. ➡️ If you’re exempted from VAT as a small entrepreneur (Franchise de base) , you must include the following mention: ""TVA non-applicable, art. 293 B du Code général des impôts."" ➡️ If you’re exempted from VAT on intra-community supply of goods, you must include the following mention: ""TVA non-applicable, art. 262 ter 1 du Code général des impôts."" Other exemption schemes may apply and require a specific mention. Depending on your legal form: Share capital: if you’re an incorporated business. RCS number and town of incorporation: if you’re an incorporated business or commerçant. Repertoire des métiers ID number: if you have an artisan activity. 🤝 Final customer details (information about the client that you’re issuing the invoice to) VAT identification number or Numéro de TVA intracommunautaire : include if your customer is subject to VAT, and only for invoices where the total amount (excluding VAT) is equal or superior to €150. Billing address and Delivery address: include if they differ from your customers’ Legal address. 🎉 All good? Take a one final look, click on Create an invoice to issue it, and send it to your client by email or with a public link.",https://help.qonto.com/en/articles/6211274-what-additional-information-should-my-customer-invoice-include How to create a customer invoice?,"You can easily create and manage customer invoices directly on your Qonto account to streamline your payment process. This feature is available for Smart, Premium, Essential, Business, and Enterprise plans, and can be accessed by Owners and Admins. ☝️ Good to know: The default format for invoices generated via the Qonto invoicing tool has been updated to Factur-X , for French businesses. Qonto is actively engaged in the process of adapting our current invoicing solution to ensure compliance with the upcoming electronic invoicing reform in France. Creating your Invoice To create a new invoice on Qonto, follow these steps: 🖥️ From your computer, go to Invoices > Client invoices , in the left-men 📲 From your mobile app, go to Menu > Client invoices . Click on Create an invoice at the top right side of your screen. Alternatively, you can duplicate an existing invoice by selecting it from your invoice list and clicking on the duplicate icon (available only via the web app). When creating an invoice, fill in the required fields as indicated: Issue date, Performance date (optional), due date, and purchase order (optional). Products and services: Add items corresponding to the products or services being invoiced, including a title, description details (optional), quantity, unit price, and VAT rate. On the web, you can search through your previous Products and services. Item details : Add items corresponding to the products or services being invoiced, including a title, description (optional), quantity, unit price, VAT rate, and discount (optional). Account information : Specify the account where you want to receive payment. Optional: you can add a header to your invoice. Important : If you have multiple accounts, ensure that the customer makes the transfer to the IBAN indicated on the invoice for proper reconciliation. Adding client's information: To include client information in your invoice, follow these steps: a. Create a new client: Click on Add a new client or the "" + "" button if it's your first time creating an invoice on Qonto. Select whether the client is a company or an individual, and fill in their details. You can also set the language for the customer's invoice if they don't speak the language of your company's country (choose between English, French, Spanish, Italian, and German). Choose a different currency you would like to issue the customer’s quote and invoices, if not in Euro. Once verified, click on Confirm Save (for phone users). The client's information will be saved for future use, eliminating the need to reenter the details. b. Select an existing client: Click on the client you wish to invoice (open the dropdown menu first via the web app). Set up automatic invoice numbering: Review the suggested invoice number or insert a new one via Settings . Once confirmed, Qonto will automatically generate unique and sequential invoice numbers for future invoices. Customizing Invoices (available only via the web app): You can customize your invoices to reflect your brand by following these steps: Add your logo: Upload a JPEG or PNG file (maximum size of 5MB) via the ""Settings"" tab at the top of the screen. Set issuer email address: Specify the email address you want to display on your invoice. Set a VAT number for your invoices. Note : Customization changes will only apply to future invoices and can be modified at any time. Previous invoices will not be updated with new logo or email changes. Sharing your Invoice You can share your invoice with recipients in two ways: 1. Send it by email: Fill in the recipient's email address (multiple addresses can be added, separated by a comma) and customize the subject line and message. Optionally, add yourself in the copy of the email for tracking purposes. Click on Send to send the invoice. ​ ☝️ Important detail: the email address where you receive the copy of this email cannot be changed. 2. Share a payment link: If you prefer using your own inbox or another channel, copy the custom payment URL available in the Share by payment link tab and paste it where needed. You can also resend an invoice at any time. From the Invoicing menu, select the invoice and resend it to your client Cancelling Your Invoice Did you make a mistake and want to annul your invoice? You can refer to this article .",https://help.qonto.com/en/articles/6240362-how-to-create-a-customer-invoice I would like to centralize my invoicing on Qonto but am currently using another tool. What should I do?,"Have you been handling your invoicing needs on separate tools (like Word, Excel, or standalone solutions) up until now and are ready to centralize things directly on your Qonto account? From creating custom professional invoices, to automated tracking, to faster payments thanks to instant SEPA transfers, managing your invoicing on Qonto will save you precious time on admin work and help you run your business with more peace of mind . Switching over from your previous invoicing tool to Qonto is easy. Keep these points in mind and you’ll be good to go: Store your previous invoices: If you use a standalone tool, download all of your invoices and store them safely to make sure they’re accessible if necessary. You can store your invoices locally, on the cloud, or both. Be consistent with your numbering sequence: When creating your first invoice on Qonto, make sure that it follows your numbering sequence; for example, if the last invoice that you issued on your previous tool was number 65 , your first invoice on Qonto should be number 66 . 💡 You can input a unique number for every invoice in the field Invoice number . For more on how to create invoices, read our dedicated article . Don’t forget about pending invoices: To avoid losing sight of incoming payments, make note of any invoices created on your previous tool that are still pending, and remind your clients of their due dates if necessary. 💡 Moving forward, you’ll be able to easily track every invoice that you issue on Qonto, directly on your account. When your client makes a payment and the reference in the transfer matches the unique reference on the invoice, it's status will automatically change from To be paid to Paid . You can learn more about how tracking works on our dedicated article .",https://help.qonto.com/en/articles/6259886-i-would-like-to-centralize-my-invoicing-on-qonto-but-am-currently-using-another-tool-what-should-i-do How to track your customer invoices?,"You can create customer invoices directly on your interface (via your Qonto web app or phone) in just a few clicks to help you get paid faster and easier by your clients. You can easily have visibility over your customer invoices payment status’ from the main invoicing page. Tracking your customer invoices’ payment status will help you to have better control over your cash flow and keep an eye on when invoices are due. So that you can send reminders to your clients if necessary at the right time. How to track my customer invoices? From the Invoices screen, find the list of all invoices that are paid, to be paid, or canceled. Each line corresponds to one invoice and displays its issue date, due date, status, and amount. Click on an invoice to see more details, download it, or share it again with your client. To simplify tracking even further, you can sort invoices by due date. How to cancel a customer invoice? Canceling an invoice may be necessary in some cases – for example, if it contains a mistake. To cancel an invoice, click on it and then, on the red Cancel invoice button. Once it’s canceled, you’ll still be able to download it from the Canceled tab at the top of the main screen. 💻 Canceling and downloading invoices is only available via the web app. How to verify my customer invoices’ payment status? ☝️ Important in case of multiple accounts : For the payment to be reconciled with the invoice, your customer should make the transfer to the IBAN indicated on the invoice. You have two options: Automatic tracking: Qonto can detect when an invoice has been paid if the corresponding payment has the same reference number. In that case, its status will automatically change from To be paid to Paid . Manual tracking: You can also manually change the status of your invoice by clicking on an invoice and then, on the button Mark as paid . When you mark the invoice as paid, you have the possibility to match a transaction to it (click here to learn how). To change the invoice status from Paid to To be paid , you can click on the button Mark as To be paid which will unmatch any transactions on the invoice. Alternatively, if you unmatch all transactions on the invoice first, the invoice status will automatically change to To be paid . 💻 The manual tracking is available via the web app and mobile.",https://help.qonto.com/en/articles/6240898-how-to-track-your-customer-invoices How to create and share draft invoices,"When you create an invoice on Qonto, you can easily save it as a draft for later use. Drafts can be shared with clients in the form of a pro forma invoice so they have all the details before the final version is issued. The invoicing tool is available starting from the Smart plan ( learn how to upgrade your plan here ) and for the Owner and Admin roles. The Basic plan allows you to create up to two invoices for free to explore the functionality. How to create and save a draft 💻 From a computer, log in to your Qonto account and go to the Invoices tab. Click on Create an invoice and start filling in the information. Once you are ready, click on Save as a draft. To perform this action, you need to: Select an existing client or add a new one Enter an invoice number (only if manual numbering is enabled) Enter an issue date and due date Add the title and the invoice amount 📱 From the Qonto mobile app, go to Menu > Client invoices. Next, select the plus sign at the top right, and choose an existing client or add a new one. You only need to fill in the details (including the same mandatory fields as on the web app) and select Save as a draft. How to manage your drafts Your saved drafts can be found in the Drafts section of the Invoices tab. If you wish to continue working on one of them, select it, then click Edit the draft . You can also permanently delete it by selecting Delete the draft . Once your draft is ready, you can convert it into an invoice! Select it from the list and ensure that all the mandatory fields are correctly filled. At the bottom of the screen, select Create an invoice (or through the mobile app: Finalize the draft > Create the invoice) and confirm that your invoice is ready to be issued. You can then send it to your client via email or by sharing the link with them. ☝️ Good to know: If automatic invoice numbering is configured, your draft automatically takes the next available number as soon as it's converted into an invoice. Remember to delete or archive your draft if you don't intend to convert it into an invoice to ensure the continuity of accounting numbering! With manual numbering , you must confirm that your draft has a valid and sequential number before converting it. Click here to enable automatic invoice numbering. How to share a draft You can also send a draft invoice to your client. This provisional version, also known as a pro forma invoice , can be useful if you want to share a proposal or confirm specific details before issuing the final invoice. It's not mandatory, doesn't require any action from your client, and has no accounting impact. 💻 To do this, click Send the draft at the bottom of the computer screen, then enter your client's email address, customize your message, and click Send the email. If you prefer to share it via another channel, click the Copy the document link button and copy the link to your clipboard. 📲 From the mobile app, select the three small dots (at the top right), then Send the draft. Then, choose the channel through which you want to send it and customize your message.",https://help.qonto.com/en/articles/6531001-how-to-create-and-share-draft-invoices What additional information should my customer quote include?,"Depending on your location and legal form, it may be necessary for your customer quotes to contain certain additional information, in addition to the fields that you must fill in when creating a customer quote . This additional information can be related to your business, the product, or service that you provided, your customer, and/or the payment conditions. To see country-specific requirements, you can check these pages for France 🇫🇷 and Italy 🇮🇹 Mandatory fields The content of the quote may differ according to the specificity of the service envisaged. But as a minimum, it must mention: the date of the quote the name and address of the company the name of the client the start date and duration of the service, if applicable a detailed breakdown of each service and product, in quantity and unit price The cost of labour, if applicable (hour * hourly rate) travel expenses, if any the total amount to be paid excluding tax and including all taxes Indication of the delivery date of the service or goods Validity duration of the quote Some professionals must indicate their professional liability insurance You can easily add additional information to your quote by using the text box labeled Additional notes at the bottom of the “ Create a quote” page. The information that you enter here will appear at the bottom of your quote, and we’ll automatically save it so that you can easily reuse it on your next quote if needed. 🎉 All good? Take one final look, click on Save quote to create it, and send it to your client by email.",https://help.qonto.com/en/articles/7958908-what-additional-information-should-my-customer-quote-include How to manage your customer quotes?,"Once your quotes have been created on the Qonto interface, you can find them in your main quotes page. From this page you can manage and track all your quotes, for better control and visibility over your negotiations. Each line corresponds to one quote and displays its issue date, expiry date, status, and amount. Quotes display 3 different statuses, visible on your quotes’ list: Pending approval : Default status for quotes that have just been created and for which the status has not been changed. Approved : Quote marked as approved on Qonto Canceled : Quote marked as canceled on Qonto Click on a quote to see more details, manage the status, download it, or share it again with your client. 💻 Managing your quotes is only available via the web app. How to edit a customer quote? Editing a quote may be necessary when negotiating with your clients, for example to modify the terms of the offer. To edit a quote, you can click on it from your quotes’ list. Click on the Edit quote button to open the editing panel and modify the quote’s information. You can now Save your quote with the new information and share it again with your client. ⚠️ Only quotes that are Pending approval can be edited. Once a quote is transformed into an invoice, it is no longer editable. A quote remains editable until it is transformed into an invoice! If a quote Pending approval expires, you can edit the quote and extend the validity date, in agreement with your counterparty. How to mark a quote as Approved? To change a quote from Pending approval to Approved , you can click on it to open the quote panel. In the panel, click on the Mark as Approved button. ☝️ Important: It is not possible to revert the status of a quote that has been Approved or Canceled . Once approved, the quote assumes the value of a legally-binding contract with your counterparty. Any modification cannot be unilaterally made by the issuer and will need to be agreed upon with your counterparty. How to mark a quote as Canceled? You can also cancel a quote Pending approval . To do so, click on a quote to open the quote panel. In the panel click on Cancel quote . Once the quote has been canceled, you’ll still be able to download it, but you will not be able to share it with your client. How to create an invoice from a quote? To help you get paid faster and more easily, you can create an invoice from a quote that has been Approved. To create an invoice, you can click on an Approved quote from the quotes page. You can then click on Create invoice , and this will automatically create a draft invoice pre-filled with the information in your quote. Once you have confirmed the information in the draft invoice, click Create invoice to finalise the invoice and send it to your customer.",https://help.qonto.com/en/articles/7958897-how-to-manage-your-customer-quotes How can I apply a VAT rate and custom labels to a supplier?,"Do you have a Smart , Premium , Essential, Business or Enterprise package? You can add the VAT rate and custom labels to your supplier when adding a new beneficiary. You can also add this information on existing beneficiaries, or modify it, from the Suppliers tab of the Purchases section of your application. This tab lets you add this information more efficiently to improve your financial reporting. Adding this information to your supplier saves you time by allowing you not to add it at every transaction. You can therefore improve your financial management by categorizing your payment, and prepare your accounting work. How does it work? When issuing a transfer to a new beneficiary, you will be asked to add a VAT rate and a customized label to be applied. Need to change this information? The Suppliers section shows you the list of all your transfer beneficiaries. For every supplier, get: the number of transactions made, the VAT rate applied to these transactions, custom labels that you can assign. Do you wonder who are the beneficiaries to which you did not add this information? Use the section filters to retrieve them. How to add a VAT rate to a supplier? To make it easier to add VAT rates to your expenses, you can add VAT rates directly to a given supplier. Click on the row of the supplier to which you want to add a VAT rate. Select the VAT rate to apply. Click on the Edit button to apply your changes. Once a VAT rate is applied to a supplier, all the future transfers sent to this supplier will automatically be tagged with the VAT rate. If you need, you can still adjust it at the transaction level. ✌️ Note: If you made a mistake while entering the rate or decide not to apply a VAT rate, select the option Do not apply an automatic VAT to this provider . How to add a custom label to a supplier? Similar to VAT rates, you can assign custom labels directly to a supplier. Click on the supplier row. In the side panel, you will have two possibilities: If you haven't defined any custom label yet, you can visit the custom labels menu and define your labels, thanks to our tutorial 👉 right here . If you have defined at least one label, you can apply up to three labels to your supplier. You can still edit lists and labels by clicking on Modify in the three dots menu. Click on the Edit button to apply your changes. Access more information on custom labels in 👉 this article .",https://help.qonto.com/en/articles/4713395-how-can-i-apply-a-vat-rate-and-custom-labels-to-a-supplier How to create a customer quote?,"To help you negotiate with your clients and promote your services and products more easily, you can create customer quotes directly on your Qonto account. Unlimited quoting is available for: Smart, Premium, Essential, Business, and Enterprise plans (to find out how to change your current plan, click here ) For Owners and Admins To access quoting, log into your Qonto account from a desktop device and click on Invoicing > Quotes in the navigation bar. 💻 Creating quotes is only available via the web app. Create a new quote From the Quotes section, click on Create a Quote at the top right side of your screen. 1. Adding client information Adding client information to your quote is easy: simply create a new client or select an existing one on your Qonto account. Create a new client ​ If you’re creating a quote on Qonto for the first time, click on Add a new client or on the + button. - Select if your client is a company or an individual and fill in their details - You have the possibility to set the language in which the customer’s quote will be issued (English, French, Spanish, Italian, or German). - You can select a different currency to issue the customer’s quote and invoices, if not in Euro. - Once you’ve checked the information you have filled in is correct, click Confirm to save your client . Your client will now be saved, and you won’t need to re-enter their details next time. NB: To comply with rules around invoice language to French clients, we recommend choosing French when creating a client registered in France. Select an existing client ​ Click on the client that you wish to quote. 2. Creating the quote It’s now time to create your quote. Fill in the necessary fields as indicated on the screen: Issue date and Expiry date Quote number Item: You can add different items that correspond to the products and services that you’re quoting your client for. Every item should contain a title, description (optional), quantity, unit price, VAT rate, and discount (optional). If you wish to add additional information, you may use the field labeled Additional notes . This can be useful if you wish to add information such as payment conditions, sector-specific laws, any deposit requirements, or additional details about the product or service you are quoting for . The additional notes will be reusable for all your subsequent quotes so that you don’t need to fill in the information each time you create a new document. 3. Customising your quotes You can customise your quotes by adding your logo (if you have one), choosing an issuer email address, and numbering settings for your documents . You can click on the Settings button at the top of the screen to customize all these aspects. From here, you can: add your logo in JPEG or PNG (file size shouldn’t exceed 5MB maximum) add the email address that you would like to display in your quote. select the numbering method for your quotes. See this article for more details on how to manage your document numbering. ☝️ Important: Please note that these changes will apply to all future documents , and can be modified again at any time from the Settings page. No changes will apply to documents that have already been issued. Sharing your quote You can share your quotes via email. Select the quote you wish to share, click on Send quote and fill in your recipient’s email address. You can add multiple addresses (separated by a comma) and set a custom subject line and message. To facilitate tracking, you can add yourself in copy of the email by ticking the checkbox at the bottom of the page. When you’re done, click on Send . 👉Do you want to edit a quote? Or mark a quote as approved or canceled? You can refer to this article .",https://help.qonto.com/en/articles/7958842-how-to-create-a-customer-quote How to set up your documents' numbering?,"💻 Managing your documents’ numbering is only available via the web app. Set up automatic numbering From the Invoices or Quotes section, click on Settings at the top of your screen. You will be displayed a Settings page to automatically set up the document's numbering. If you are creating your first document, or you are switching to Qonto from another provider, you will simply have to enable the automatic numbering toggle and insert your desired numbering pattern for invoices and quotes. We will then automatically generate all your next document numbers. In case you are already using Qonto to issue your invoices, we will automatically detect your last invoice number or quote number, and generate the next number in the sequence. Click Save changes and your set-up is completed. We will now generate unique and sequential numbering for your invoices, quotes, and credit notes so that you will not have to worry about this anymore. ⚠️ For compliance purposes, we recommend you number your invoices sequentially and chronologically. You should not have duplicates or skips in your numbering sequence. Selecting automatic numbering can help you comply with regulations and create professional documents. Manual document numbering In case you need to insert a specific invoice or quote numbers or the automation does not fit your needs, you can select the manual numbering at any time: Click on the Settings page and disable the automatic numbering toggle Click on Save changes and your set-up is completed. You can now customize your document numbers according to your needs. If you want to revert to the automatic numbering, you can easily do it from the Settings section. 💡 Matching your invoices to incoming payments If you want to match your invoices with incoming payments using invoice numbers, your invoice number must follow a certain pattern: Prefixes recognized Complete invoice patterns recognized FA PREFIX-yyyy-number FAC PREFIX-(yyyy)-number FACT PREFIXyyyynumber Facture PREFIX(yyyy)number RE PREFIXyyyy-number INV PREFIX-number Invoice PREFIX-yyyy-mm-number QON PREFIX(yyyy)mm-number QTO yearnumber FQ year-number N yyyy-mm-number year/number yyyymm/number",https://help.qonto.com/en/articles/6616235-how-to-set-up-your-documents-numbering How to fill or attach missing VAT to a transaction?,"Companies with a Smart, Premium, Essential, Business or Enterprise plan can benefit from our automatic VAT detection . The transaction amount and the VAT rate applied are automatically detected thanks to our algorithm, and you just have to confirm. You can also add your payment receipts and VAT rates to the transactions, directly from your app. 💡 Note: If several VAT rates are applied to one transaction, you can click on “add VAT” and add up to 8 VAT rates on one transaction. What can I do in case of a missing VAT? In case a VAT rate is missing for a transaction, you have two options to complete the information: you can fill in the missing information at the transaction level or at the supplier level. Check out 👉 this article to add the VAT at the supplier level. How to add the VAT rate at the transaction level? You can add or modify a VAT rate to each transaction. Click on Filters Select VAT as value, choose “is any of” and “missing” as criteria Select a transaction and enter VAT data on the right side section of your interface. Collect the VAT to prepare your accounting Considering the entire team's workload, automated VAT detection and entry is a major time-saver for your company. ☝️ Note: If several VAT rates are applied to one transaction, you can find them in the Others section while filtering your transactions. 💡 Tip : You can automate the setting of your VAT rate by attaching a single rate per supplier, within the Suppliers tab of the Purchases section. Learn how with 👉 this article !",https://help.qonto.com/en/articles/4359609-how-to-fill-or-attach-missing-vat-to-a-transaction How does automatic VAT detection work?,"To facilitate and secure VAT data entry, companies with a Smart, Premium, Essential, Business or Enterprise plan can benefit from our automatic VAT detection. 💡 Automatic VAT detection also works on your receipts sent using our forwarding email address feature! The automatic VAT detection, how does it work? Scan the transaction receipt with your smartphone after your payment, or attach the corresponding file (JPEG or PDF) from your computer. ​ Our algorithm detects the transaction amount, and the VAT rates applied. Next thing you know, the information will pre-fill within the interface. To avoid errors, all VAT data pre-filled by the algorithm must always be confirmed by the user. Although an error in the automated VAT detection is unlikely to occur, this confirming step allows you to avoid any accounting errors related to a false VAT detection. VAT data won’t be extracted into the CSV or into your accounting tools connected by API if users haven’t confirmed the rate and the amount. 👆 Good to know: If the VAT is missing in one of your transactions, have a look here , we explain to you how to fill in a missing VAT. Once the VAT is confirmed or entered manually, users can modify it anytime in case of error and select the right VAT rates corresponding to the transaction.",https://help.qonto.com/en/articles/4359612-how-does-automatic-vat-detection-work How does Qonto subscription VAT work?,"Is your company registered in France? This is an indirect tax that companies collect on behalf of the State. That 20 % added to your Qonto subscription cost is deductible from the VAT that you collect (too) on behalf of the State as part of your activity. Our advice is the following: keep your Qonto invoices in a safe place! They will be useful for this precious equation: VAT collected - deductible VAT = VAT to pay Is your company registered in Italy, Spain, or Germany? Companies that are not registered in France are exempt from French VAT. We need to know your intra-community VAT number. Please contact us , so we can help you. Of course, this isn't tax advice (there are other experts for that), we're just sharing a good practice that could save you a few euros. Small streams make big rivers.",https://help.qonto.com/en/articles/4359670-how-does-qonto-subscription-vat-work How can I safely delegate the management of Supplier invoices to my team?,"When the Supplier invoices permission is enabled, the Manager can assist with the collection, review, and payment of supplier invoices (either directly or by requesting a payment). ☝️ The Manager role is only available on the Business and Enterprise plans. What can a Manager with Supplier invoices permission do On desktop and mobile Upload invoices with Drive, drag-and-drop, or bulk upload View, download, and delete the invoices of the whole company Edit the invoice information scanned by Qonto (e.g., IBAN, Supplier name) and add missing details to prepare the payment On desktop only Pay by transfer all the invoices or up to their monthly or per-transfer limits (which are set beforehand) Mark invoices as paid and match them with an existing transaction Request payment for invoices in euro directly in the Supplier invoices section, in case: the Manager doesn’t have transfer permission the amount of the invoice exceeds the Manager’s monthly or per-transfer limit The request will be sent for approval to the Owner, Admin, or another Manager who will be able to review it both from the Supplier invoices section and the Requests section. 💡To discover more about Supplier invoices and their request flow click here . How do I allow Manager roles to access Supplier invoices? Invite a new Manager To add a new Manager and give them Supplier Invoices permissions: From the navigation bar on the bottom left, click on Team expenses > Team members User Management > User access Hit the Invite a team member button Select Manager Select the whole company as the scope of their permission. Indeed, only Managers with company-level scope permission will be able to access the Supplier invoices section Choose their expense permissions Enable the “ Upload and set up supplier invoices” permission to let them collect and edit supplier invoices, and request their payments Enable “ Make and approve transfers, and reimburse expense reports” to let them pay supplier invoices directly. Note that if you set transfer limits, above such limits transfers will require Admin, Account holder or Manager approval Activate Supplier invoices for an existing Manager with the whole company scope permissions From the navigation bar on the bottom left, click on Team expenses > Team members User Management > User access Select the manager you’d like to apply this permission to In Expense permissions hit the pencil icon on the right-hand side Enable the “ Upload and set up supplier invoices” permission to let them collect and edit supplier invoices, and request their payments Enable “ Make and approve transfers, and reimburse expense reports” to let them pay supplier invoices directly. Note that if you set transfer limits, above such limits transfers will require Admin, Account holder or Manager approval Hit confirm to apply these permissions Activate Supplier invoices for an existing Manager with Team scope permissions From the navigation bar on the bottom left, click on Team expenses > Team members User Management > User access Select the manager you’d like to apply this permission to In Scope , if Team is listed, hit the pencil icon on the right-hand side to change the Manager’s scope to The whole company . In Expense permissions hit the pencil icon on the right-hand side Enable “ Upload and set up supplier invoices” permission to let them collect and edit supplier invoices, and request their payments Enable “ Make and approve transfers, and reimburse expense reports” to let them pay supplier invoices directly. Note that if you set transfer limits, above such limits transfers will require Admin, Account holder, or Manager approval Hit confirm to apply these permissions How do I revoke the Supplier invoices access from a Manager? From the navigation bar on the bottom left, click on Team expenses > Team members User Management > User access Select the manager whose permissions you’d like to change In Expense permissions hit the pencil icon on the right-hand side Disable “ Upload and set up supplier invoices” permission to remove access to the Supplier invoices section Hit confirm to apply these changes",https://help.qonto.com/en/articles/7206539-how-can-i-safely-delegate-the-management-of-supplier-invoices-to-my-team How to use the custom exports?,"This feature is only available to our Smart , Premium , Essential, Business, and Enterprise customers. Custom exports allow you to customize your export with the data that fits your business needs. You can also save this custom export as a template for future exports, saving you critical time. All of your custom export templates will be available when selecting “Export Transactions” in the History section. How do you create a custom export template? To create a custom export template, go to the Transactions section of the Qonto app on Desktop. From there, click on Export Transactions and then on Create export template . Here, you will be able to name your template, select the format you prefer (Excel or CSV), and choose the columns you need to display. 💡 Tips: For the CSV format, you can also choose between a semicolon and a comma separator. 👉 For more information about what do the fields of the ‘full Export (CSV format)’ mean, click here . Don’t forget to click on Create template to save your custom template. Your template will appear on your export page, under Export type. Don’t forget: Your export template will be available to all members within your organization. How do you customize your template? In Columns, choose the data you want to have in your export template. By default, 3 columns are proposed: settlement date (UTC), Counterparty name and Total amount (incl. VAT). In addition to these, you can select from an extensive list of other columns to apply. Save time by searching for the columns you really need. Rearrange your columns by using the drag-and-drop option. If you don’t need a column, simply remove it by clicking on the trash icon. 👉 Good to know: Some columns are unavailable for Managers with limited permissions because they display information to which they do not have access. Contact your Admin or Owner to update your permissions, if needed. As a final step, you will have the option to include in your template the declined, canceled, and reverted transactions. By default only executed and processing transactions will be included in your template. How do you use a custom export template? Filter in Transactions the transactions you want to export. Discover how to do so in 👉 this article . Click on Export transactions and then choose the custom export template you want to use. Discover how to do so in 👉 this article . How do I edit or delete a custom export template? On the export page, click on the pencil that appears in the top right-hand corner of the export template that you want to edit. To delete a template, simply click on the trash icon. 👉 Good to know: The export types proposed by default can’t be modified or deleted.",https://help.qonto.com/en/articles/8002095-how-to-use-the-custom-exports How to create a credit note on Qonto?,"A credit note is a document from a seller to a buyer that reduces the owed amount for a product or service. It can be for full or partial amounts, and multiple credit notes can relate to a single invoice. Reasons to issue a credit note include product returns or incorrect invoice info. 💡 By law, invoices can't be modified or deleted once issued. A credit note is crucial to cancel an invoice partially or fully, allowing a new, accurate one. How can I create a credit note? If your invoice is unpaid: Go to the Invoicing section, in Qonto, on a desktop. Pick the invoice, click on Cancel with credit note . Enter the required details: Credit note number: if you've set up automatic invoice numbering , your credit notes also get automatic numbering. For manual invoice numbers, assign credit note numbers manually. ​ 💡 If you're using manual numbering and have issued credit notes elsewhere before, make sure Qonto's credit notes are numbered sequentially. For instance, if your last note elsewhere was CN-1, your first Qonto note should be CN-2. Customize credit note numbers in Settings by using manual invoice numbering when creating an invoice. Issue date Additional details (optional) Note that for credit notes issued from unpaid invoices, the Items section stays unchanged and can't be edited. It is not possible to cancel partially an unpaid invoice. If your invoice is already paid: Pick the invoice and click on Create credit note . Enter the required details: Credit note number (manual/auto) Issue date Items: List items for cancellation. Adjust quantity, price, VAT for partial credit notes . Additional details (optional) When ready, click on Create credit note . After creation, credit notes can't be canceled. You can share it via email or link. 💡 If you make a credit note with a lower amount by mistake, create a second one. A full credit note cancels an invoice's status, whether it was paid or unpaid. Paid invoices with a partial credit note, rest as Paid . Invoices with credit notes appear with a small credit note icon. To see, open the invoice and click on Credit note in the Related document(s) section. Can I create debit notes on Qonto? You can only make credit notes on Qonto right now. If you billed less than what's owed, create a new invoice for the remaining amount. You can also add a short explanation in the optional Terms, conditions, and legal notices' field on the invoice if needed.",https://help.qonto.com/en/articles/6788202-how-to-create-a-credit-note-on-qonto What is the Accounting hub and how does it work?,"Keep all your company’s bookkeeping in one place, request any missing supporting documents in a few clicks and retrieve your Qonto data on your preferred accounting tool. Access all your organizations from the Accounting hub : either type the name of the organization you’re looking for into the search bar, or click directly on it in the sidebar menu. On the selected organization’s page, you can complete all the required actions to complete your bookkeeping. Who can access the Accounting hub? All users with at least one Accountant role have access to the Accounting hub . This means that all roles can potentially access it. However, the information displayed differs according to your role: Admin , Owner and Accountant roles have full access. Manager and Employee roles have limited access. If you have a Manager or Employee role and would like full access, ask the account’s Owner or Admin to upgrade your role. 👆If your Qonto accounts are split between different email addresses, you may want to consider grouping your various accesses under the same email address. How do I access the Accounting hub? After logging in, you’ll arrive directly in the Accounting hub . If you click on a given company and then wish to return to the Accounting hub , use the drop-down menu in the top left of your screen. 👆 The Accounting hub is only available on desktop devices. How do I analyze transactions at a glance? When you select a company, you have access to each of the 10 custom views that can be set up on the Transactions page. Click on the custom view you want to see and you’ll be redirected to the Transactions page. You can also go directly go to the Transactions tab by clicking on “ Show all” . Check out this dedicated article to learn more about custom views . 👆 Pro tip: Request all missing attachments in one go Set up a custom view of transactions with missing attachments on the Transactions page of the company Select all transactions by checking the box in the top left corner of the transaction table. Click on "" Request receipts"" on the right-hand side of your screen, and then "" Apply"" - Qonto will do the rest. How do I retrieve account statements autonomously? Access a specific companies’s account statements for all its current and closed accounts. You can download the latest account statement directly just by clicking on it. If you want to see more account statements, click on “ Show all .” ​ ​ How to export transactions or supporting documents? Click on “ Propel your productivity” to install an integration with your preferred software (Cegid Expert, ACD, Fulll and 10+ other platforms). Check out our dedicated article to learn more about installing each integration. Only for the 🇫🇷 Market: users with more than 3 Accountant roles will see a jedeclare card from the Accounting hub . This card will disappear as soon as the EBICS connection with jedeclare is set up. 👆 Pro tip: set up an EBICS connection between jedeclare and Qonto within 24 hours from the Accounting hub section, or from the Integration section. Check out our dedicated article to discover more. Can I revoke my access to a Qonto account? It’s not possible for a user with an Accountant role to independently revoke their access to an account. To have your access revoked, you’ll need to contact the account’s Owner or Admin . This policy ensures an organization’s financial information remains secure and confidential.",https://help.qonto.com/en/articles/7142084-what-is-the-accounting-hub-and-how-does-it-work "I have a circularization letter request, can I send it to Qonto?","If your auditor sends you a circularization letter to be completed by your bank, simply send it to us in PDF format. We will then complete it for you. 😊 To do so, contact us via chat by logging in to your Qonto account and clicking on the bubble in the bottom left corner. 💬",https://help.qonto.com/en/articles/5028389-i-have-a-circularization-letter-request-can-i-send-it-to-qonto How to automate the transfer of your digital receipts and invoices to Qonto?,"Take a few minutes to set up the automation and save hours by automatically attaching your regular payments with the right receipt to your Qonto account. This magic trick facilitates our feature that lets you automatically pair your receipts received by email to the right transactions when you transfer them to your dedicated Qonto address . It works for the majority of email accounts. Let’s take the example of Gmail: the idea is to make sure that when you receive a recurring email (that you receive every month, quarter, year, etc.) containing an invoice or receipt, Gmail forwards it directly to your dedicated Qonto address. ☝️This magic trick also works for receipts as well as paid / unpaid supplier invoices. Firstly, save your dedicated Qonto address as a forwarding address in Gmail so that it can then be used as a forwarding address. In the “Forwarding and POP/IMAP” section of your Gmail settings, click on the grey rectangle “Add a forwarding address” and enter your dedicated Qonto address ( find it here ). Click “Next”, then “Proceed”. A confirmation code has been sent to verify permission. Click “OK”, then find the code in your current email inbox, opening it in a new tab or new window to avoid having to restart the process. The code is made up of 9 digits and you just need to copy it. Back in your original window, paste the code in the dedicated text field and click “Verify” Perfect, your Qonto address is now recognized by Gmail. Now it’s time to create our filter! In the “Filters and Blocked Addresses” section of your Gmail settings (just before “Forwarding and POP/IMAP”), click “Create a new filter” Enter the email address that the service you pay for regularly uses to send you digital invoices, like for software for example. Tick the “Has attachment” box, as the emails we need have the receipt or invoice attached that we want to send Next click “Create filter”, and then “Add forwarding address”. Here, select your dedicated Qonto address. Then click one last time on “Create filter” and you’re done! All that’s left to do is check, via the email confirmation we’ll then send you, that each paired attachment is correct. You can repeat these steps for any service provider that regularly sends you receipts. 💡 Good to know: Find any receipt or invoice that wasn’t automatically match in the Supplier Invoices section.",https://help.qonto.com/en/articles/5753467-how-to-automate-the-transfer-of-your-digital-receipts-and-invoices-to-qonto How does the forwarding email address work?,"For optimized management of digital receipts and invoices, these can be forwarded to us directly by email, to a dedicated Qonto address. We pair them with their corresponding transactions automatically in your application, so you no longer need to add them to Qonto manually. ☝️ This feature is available for our Smart , Premium, Essential, Business and Enterprise packages, and for outgoing payments only. What about paper receipts? If they have been uploaded to your Qonto application after December 2020, they can be stored and certified with the same legal value as your digitised receipts. Read this article to learn more. How does it work? When a supplier emails you an invoice or receipt, you can forward it directly to your company’s unique Qonto email address. You can find this address on your Qonto web application, under Settings > Tools customization > Receipt forward. Be sure to send these documents from the email address you use in Qonto, as an external address will not be recognized. 💡 You can also whitelist another email address if you prefer to forward your receipts from your company’s billing address, for example. To do so, simply go to your Qonto web application. Our algorithm detects this information automatically and pairs the receipt with its corresponding transaction. It then magically appears in your Qonto application! As an added bonus, the VAT is detected and applied to the transaction in Qonto automatically 😉 For receipts contained in the email body instead of an attachment (an Uber receipt, for instance), we convert it to a PDF and associate it with the transaction. 3 possible scenarios Once we’ve received your receipt by email, there are 3 possible scenarios: In the majority of cases, we're confident that the receipt will be paired with its corresponding transaction. We'll send you a confirmation email with a link to your Qonto web app, so you can make changes if necessary. If we have doubts about the matching of a receipt, we'll send you suggestions for potential transactions. All you have to do is click the link provided to select the correct transaction. The suggested receipts are also displayed from the transaction on Qonto. If we're unable to find a transaction for the receipt, we'll let you know by email. In this case, you can either: retrieve the receipt and match it to the right transaction from the Supplier invoice section download the receipt and attach it manually from the Transactions section 💡 Good to know: If an invoice is forwarded before the transaction is completed, you can still forward us the document. We will pair it with the transaction automatically once it has been completed.",https://help.qonto.com/en/articles/5045700-how-does-the-forwarding-email-address-work What do the fields of the 'full Export (CSV format)' mean?,"Your extended CSV is pretty extensive. Here are the fields you'll find inside, and how they can be useful to you at the time of export. Field name What data does this field contain? Status The status of your transaction. It can include the values processing or settled . Transaction ID The unique reference of your transaction. Operation date (UTC) The date and time at which the payment took place , according to the UTC timezone. Operation date (local) The date and time at which the payment took place , according to your user's timezone , defined in your settings. Settlement date (UTC) The date at which the transaction impacted your account's settled balance, according to the UTC timezone. This field is empty for processing transactions. Settlement date (local) The date at which the transaction impacted your account's settled balance, according to your user's timezone, defined in your settings. This field is empty for processing transactions. Counterparty name The name of the counterpart. For a card payment, it is the merchant's name. Payment method The payment method used to perform the transaction. It can be a card , transfer , subscription_fees , direct_debit or check. Initiator The initiator of the transaction. That's the cardholder of the card used for the payment, or the person who initiated or requested the transfer. This is empty for incoming transfers and direct debits. Category The category assigned to the transaction. Reference The reference of an outgoing or incoming transfer. This field is empty for other transaction methods. Note The internal note attached to the transaction. Total amount (incl. VAT) The amount of the transaction. Currency The currency of the amount. Qonto only offers EUR payment accounts, so this value is always EUR. Total amount (incl. VAT) (local) The amount of the transaction in the original currency the payment was made. For a payment in EUR the value is the same as amount . Currency (local) The original currency in which the payment was made. (e.g: USD) Total VAT amount The amount of VAT , in EUR Attachment The names of the files attached to the transaction, so you can easily find them in your attachments export. Custom_label_1 The name of this field varies depending on the custom label you defined. It is empty unless you specified a label on that transaction. Custom_label_2 Same thing as custom_label_1 Custom_label_3 Same thing as custom_label_2",https://help.qonto.com/en/articles/4359527-what-do-the-fields-of-the-full-export-csv-format-mean How to manually upload a receipt or an invoice on a Qonto transaction?,"With Qonto, you can provide supporting documents for your accounting by manually attaching invoices and receipts to your transactions, directly from your Transactions section of your Qonto apps. 💡 If you want to import several invoices at the same time or import an outstanding supplier invoice, you can also use the Supplier Invoices section of your Qonto app from your computer, forward your invoice(s) to Qonto by email or also connect your favorite cloud storage solution - Google Drive or Dropbox . Since December 2020, Qonto keeps and certifies your uploaded receipts with probative value. What does it mean? In detail, it means that your paper and digital receipts have exactly the same legal value. Take a look at this article to know more about it. How does it work? Upload a receipt or an invoice directly from a transaction. 📲 From your mobile app : Go to the Transactions section, Click on the transaction of your choice and have a look at the Receipts section on your right Upload your file in the small box under Attachments / Receipts and voilà ! Or, you can upload your receipt/invoice directly from the home page by clicking on the shortcut Scan receipt. We will automatically attach it to the corresponding transaction. ☝️ Good to know : if you have a Solo Smart or any superior plan, you can retrieve your uploaded receipts/invoices in the Supplier invoices section (not available for Solo Basic plan). 🖥️ From your computer : Go to the Business account > Transaction section Click on the transaction of your choice and take a look at the Receipts section on your right Upload or drag your file in the small box under Attachments / Receipts and voilà ! 💡 You can add up to 5 receipts per transaction. If you need to add more receipts, we advise you to merge your receipts into one unique document and add it to the transaction. ☝️ Good to know: You are an Admin of your Qonto account? Keep in mind that you can ask your team members to upload a receipt by simply clicking on Request receipts , on the transaction of your choice. What can I do if a transaction doesn’t need a receipt nor invoice, or if I lost the receipt ? Don't worry! To be sure this receipt won't be requested anymore, you can report it as not required or lost. To do so, follow these few steps from your computer : Go to the Business account > Transactions Click on the transaction of your choice Go to the Attachments/Receipts section Click on the icon “…” displayed on the top right Click on Attachment not required or Receipt lost 💡 Good to know: If several transactions do not require receipts or if the receipts are lost, simply select the relevant transactions and choose Not required or Required but lost in the Attachments/Receipts column. How to delete a receipt or an invoice ? You've already attached a receipt to your transaction but want to delete it? It's easy! Just click on the icon at the right of your file, and confirm your choice by clicking on Delete .",https://help.qonto.com/en/articles/4359639-how-to-manually-upload-a-receipt-or-an-invoice-on-a-qonto-transaction How to review my transactions for accounting?,"Whether you are independent or in a company, the transactions review process ensures that everything is correctly prepared for accounting. Several parameters need to be considered: Receipts are attached to correct transactions VAT amount is captured Right categories and labels are applied At Qonto, we ease your bookkeeping preparation so that you can concentrate on what matters for your business. Step 1 - Filter your transactions Go to the Transactions section of your Business account. Filter more precisely by creating custom views, adding multiple criteria , clicking on Filters . You will be able to set up filters once and have access to it each time you connect to Qonto. ☝️ You can access several types of transactions using the ""or"" condition. All relevant transactions will be displayed at once! For example: Filter ""transactions of more than 50euros"" OR ""the ones updated last week AND the ones from the marketing category"". Step 2 - Verify your transactions When you click on a transaction, a side panel appears. You have access to a full screen verification module by clicking on the receipt attached to the transaction. You don't approve the transaction: If there's any other missing info (VAT, labels), you can add them or contact the person to add them. You approve the transaction: Click on Mark as verified at the end of the side panel. Your transaction is ready for accounting! ☝️ To save time, you can use the default view ""To verify"" and select multiple transactions at once, and apply Mark as verified on the whole selection (only available on the web app). Note that this new feature is available from the Smart plan and above. How to access all the mark as verified transactions? In the Transactions section, filter: Verification and is done . You'll get the full list of verified transactions. ​ 💡 Filters are accessible for all ! However, bookkeeping functionalities (Request attachment, Mark as verified) are only accessible from the Smart Plan. You can upgrade to an advanced plan by going in the Settings to the Billing and invoices section 💡 Did you know you can give viewing access to your accountant directly? This will ease your interactions! 👉 How can I give access to my accountant? 💡 All team members, on Essential , Business and Entreprise plans, will be reminded to upload their receipts in case they have transactions without receipts .",https://help.qonto.com/en/articles/5480988-how-to-review-my-transactions-for-accounting How do you manage your receipts over time in your Qonto account?,"With Qonto, you have the ability to attach a receipt to each of your transactions, directly from your web or mobile app. As of December 2020, receipts deposited on your Qonto app are stored and certified as evidence from the Smart plan. What does this mean? Quite simply, your paper receipts and digitalized receipts have the exact same legal value. You are therefore free of paper receipts, while remaining in compliance with the law and the administrations concerned. Take a look at this article to learn more. As an added bonus, to make entering VAT information easier and more secure, businesses with a Smart, Premium, Essential, Business or Enterprise plan can enjoy automatic VAT detection when adding their receipts to the Qonto account. The Qonto algorithm detects the amount and rate of VAT applied on the receipts and pre-enters the information in the interface. We explain everything here . How to associate a receipt to my transactions? To deposit a customer or supplier invoice on your Qonto application, you have two options: From the mobile application , take a picture of your receipt, select the corresponding transaction in the History tab and click on Add under the heading Receipts. From your computer , in the navigation menu, click on Business account and select the Transactions section. Choose the transaction in question, then look at the Receipts section on the right. In the little box under Receipts , drop your file and you're done! If you are an Owner or Administrator and have a Smart, Premium, Essential, Business or Enterprise plan, you can also add your supplier invoices: From your computer , via your Supplier Invoices space by importing all the invoices of your choice, paid or to be paid, using the Add an invoice button From your mailbox, by transferring directly your supplier invoices to your Qonto e-mail address unique to your company From your online storage space, automatically importing all your invoices by connecting your account to Google Drive or Dropbox . The Account holder and team members are reminded every week to upload their receipts if they have some transactions without attachments . (available only for Team plans , more details here ) 👆 All invoices already paid and imported via any of these three methods are automatically associated with the correct transactions in your Transaction section.",https://help.qonto.com/en/articles/5440818-how-do-you-manage-your-receipts-over-time-in-your-qonto-account How can I export my transactions?,"If you have an Admin, Manager, or Accountant role, the Transaction section in your Business account allows you to export your transactions (or those of your team if you are a Manager). In the Transaction section you can easily filter transactions by date, payment method, member, amount, custom label, and more. When exporting your transactions, you can choose to download: Some transactions by using filters, custom views or the search functionality All transactions Their dedicated attachments 👆 Good to know: These actions are not available for users with Employee role. If you have a Manager role with the scope Team, you can export transactions for your team only. The matching you have done in Qonto will be reflected in the “ Attachments ” column where you will see the name of the document(s) that has been matched to each transaction. Exporting your data This feature is available to all plans. To finalize your export , just select a file format corresponding to your needs. The following types of formats are available: Full data (Excel or CSV): includes all information related to your transactions. This will only export executed and processing transactions. Simple data (Excel or CSV): includes only 3 columns: settlement date, counterparty name and amount. This will only export executed transactions. This is the closest format to your bank statements. OFX: this format is used by accounting tools such as Quadratus, Isacompta, Xero or Cador. This will only export executed transactions. Keep in mind that you will need to set up Qonto as a bank account within those tools prior to importing the OFX file, or the import could fail. QIF: this format is used by accounting tools such as Xero, Cegid or Sage. This will only export executed transactions. MT940 (for German organizations): this format is used to transmit account statement data. This will only export executed transactions. TeamSystem (for Italian organizations): this format is also used to transmit account statement data. This will only export executed and reverted transactions. Also, there is no time limit on how far you can go back in your transaction history when exporting your transactions from your Qonto account. Please note that you can download exports up to 10,000 transactions at a time. 💡 Instead of manually exporting and importing your transaction data, you can try one of our app integrations, which will keep your information synced between Qonto and your preferred third-party tool. The list of available integrations can be found here . Related articles: How to import CSV file into QuickBooks How to import QIF file into Xero How to import CSV file into Sage How to import CSV file into Excel 💡 For users on our Smart plan and above, Qonto offers the possibility to create custom export templates. For more details about this feature, don’t hesitate to consult this FAQ .",https://help.qonto.com/en/articles/4359644-how-can-i-export-my-transactions How to filter my transactions?,"In the Business Account section , you'll find that you can easily filter transactions by date, payment method, member, amount, analytic labels, and more. It is also possible on mobile to filter by ""My transactions”, “Missing receipts” or “Method” (cards, transfers, direct debits, checks). You can add as many criteria as you like, using the ""and"" / ""or"" conditions. E.g.: transactions over €50 ""or"" updated last week. You can also create, update or delete custom views that exactly fit your business needs. Indeed, by clicking on ""Add a custom view"" from the view list, you will be able to define the name & query of the new view. This new view can be edited at any time. Once the update is done, you just have to click on ""Save and apply"". You also have the possibility to filter your transactions by using the search bar at the top of the page. Once you're satisfied with your filter selection, you can export up to 10 000 transactions to another software. 💡The filters, the custom views and the search bar you set at this stage will impact your final export. Here are a couple of examples of how you can use filters: Export transactions of a certain period: If you'd like to export your transactions from last month: You can filter by date and set the values From: to the first day of the month and To: to the last day. Use the Status: Executed, to exclude all pending, declined, canceled and reverted transactions. Make sure you apply the filters to the export settings. See all your income or expenses: To do so, you can filter through amount: To see income sources only: input ""0"" in MIN. AMOUNT. So that only >0 transactions will be displayed in the results. To see spendings only: input ""0"" in MAX. AMOUNT to display <0 transactions in the results. You can then automatically remind employees who have not submitted their receipts by clicking on Request a receipt . Prepare your accounting You can speed up your bookkeeping by attaching your receipts to your payments. To quickly identify the transactions with a missing attachment, you need to use the ""Missing receipt(s)"" filter. ☝️ Good to know: You can then automatically remind employees who have not submitted their receipts by clicking on Request a receipt . You can also use our default view entitled ""To verify"" in order to verify that you have the right document, VAT rate, label for all transactions up-front and limit the number of future interactions with your accountant. This view is available from the Smart plan and above ☝️ Good to know: From the Smart plan, the VAT rate is automatically detected when you add a receipt.",https://help.qonto.com/en/articles/4359613-how-to-filter-my-transactions How to automate the processing of my receipts with Qonto?,"Automatically associate all your invoices and receipts to the right transactions in Qonto and save valuable time on your bookkeeping. 👉 Customer invoices can only be manually associated to your transactions from your Business account > Transactions . How does the automatic processing of receipts work? Qonto can process any supplier invoice or receipt imported from your Supplier Invoices section, transferred from your email box or imported from your online storage space, Google Drive or Dropbox . When imported, invoices are automatically scanned by Qonto. Optical Character Recognition (OCR) extracts all the important information contained in your document, and our algorithm analyzes this information to associate the invoice with one of your outgoing payments. 💡 We even automatically extract the VAT for you! How to import a supplier invoice or a receipt in Qonto? Import all your receipts, regardless of their origin: From your computer, use your Supplier Invoices section to download multiple invoices at once, either paid or unpaid. Forward your invoices received by email to your forwarding email address . You can even automate the transfer of your digital receipts from Gmail to Qonto. Connect your cloud storage solution directly to your Qonto account, in order to automatically import all your invoices and receipts from your Google Drive or Dropbox folder. 👉 These features are only available for Smart and higher plans. Invoices and receipts added manually to a transaction from the Business account section will not appear in your Supplier invoices section. What if my receipt was not automatically matched to the right transaction? If no corresponding transaction can be found, you can attach the invoices to the right transactions manually: From your computer, click on the Invoices menu and then access your Supplier invoices section. In the Imported tab, visualize all the invoices that could not be automatically attached to a transaction, sorted by due date. Click on the invoice you wish to link to an existing transaction, and then on the Mark as paid button. Select the transaction you wish to associate your receipt with, or click on Continue without transaction if you don't wish to associate it with any. 💡 Good to know: Unpaid invoices also appear on the Imported tab of your Supplier Invoices section, to help you streamline the management and payment of your upcoming payments. (Read more) If your invoice or receipt is neither accessible from the Imported tab nor the Processing tab of your Supplier Invoices section, please verify that your document does not exceed 15 MB and that all the important information on your invoice is legible (e.g. VAT number, amount, etc.). You can then try to re-import the invoice or download it directly in your Business account >Transactions by clicking on the corresponding transaction.",https://help.qonto.com/en/articles/6511315-how-to-automate-the-processing-of-my-receipts-with-qonto How can I use the transactions exported from Qonto in Google Sheets?,"Information about your transactions is uploaded to Google Sheets automatically, so you can complete more detailed analyses of your past transactions and manage your finances as you see fit. Need help using the Google Sheets file that contains your exported Qonto transactions? This article provides you with a step-by-step guide. How do I use the data exported to Google Sheets? To use your exported Qonto transactions in Google Sheets, you will need to change the date of your transactions, as this is still unavailable in Google Sheets. Keep in mind that the Sync. Transactions - Do not edit tab cannot be modified directly to protect against any accidental changes. If you modify this tab, the connection will be suspended, and your transactions will no longer be imported automatically. Step 1: Duplicate your transactions in another editable spreadsheet Log in to your Google Drive account and open the Google Sheets file created when the integration was installed. To quickly locate the file, enter type:spreadsheet ""Qonto Connect -” in your Google Drive search bar. Create a new spreadsheet by clicking on + at the bottom left of your screen, then click on the A1 cell and enter =(importrange Add the URL of your spreadsheets in quotation marks, for example: “ https://docs.google.com/spreadsheets/d/1MJud6TQOxS5VlRe0BlXKHm5QIeLVivSDv9Ukc/edit?usp=sharing” In the same formula, add a comma, and copy-paste ""'Sync. transactions - Do not edit'!A:AZ” , then click Enter . Your imported Qonto transactions have now been duplicated in another spreadsheet. ⚠️ Keep in mind: Avoid editing columns in which data are imported via the =importrange feature, as this will cause the synching of your Qonto transactions to stop. Read this article for more information about the =importrange feature. Step 2: Change the date of your transactions automatically In the spreadsheet you have just created, click on the first empty cell at the right of your screen in line 1, and enter the formula =ARRAYFORMULA(split(F2:F,"" "")) in which the F column corresponds to the settlement_date_local column. Click on the first empty cell at the right of your screen in line 1 and enter =ARRAYFORMULA(REPLACEB(AI2:AI,3,1,""/"")) , then replace AI2 and AI with the coordinates of the cell you have used to populate the previous formula ( AI2 and AI in the example below). Click on the first empty cell at the right of your screen in line 1 and enter =ARRAYFORMULA(REPLACEB(AJ2:AJ,6,1,""/"")) , then replace AJ2 and AJ with the coordinates of the cell you have used to populate the previous formula ( AK2 and AK in the example below). Finally, click on the first empty cell at the right of your screen in line 1 and enter =ARRAYFORMULA(RIGHT(AK2:AK, LEN(AK2:AK)-3)) , then replace AK2 and AK with the coordinates of the cell you have used to populate the previous formula ( AL2 and AL in the example below). You may now use the data from this sheet to create all the graphs and dashboards you need to manage your business. 👉 Keep in mind: To create personalized filters in your Qonto dashboard, we recommend leaving several empty columns between the first empty cell at the right of your screen and the operations from step 2.",https://help.qonto.com/en/articles/6389768-how-can-i-use-the-transactions-exported-from-qonto-in-google-sheets How to use the analytics labels?,"Analytics labels help you categorize your transactions for better financial understanding. You can create and assign these labels to your transactions. They'll appear on your dashboard and in your export files, simplifying your financial management. 👆 Note: This feature is only available to our Smart , Premium , Essential, Business and Enterprise customers. How to configure your list of labels? To create, modify, or delete label lists on the web interface, visit the Settings section, and select Analytics labels . You can name and define up to 10 lists , each containing an unlimited number of labels. For instance, create a ""Transport"" category with labels like ""Train,"" ""Plane,"" and ""Taxi,"" or an ""Online Marketing"" category with labels such as ""Facebook Ads"" or ""Linkedin Ads."" How to add labels to your transactions? You can add manually a custom label to a transaction by going to the Business account tab on your interface. Click on a transaction, go on bookkeepings details, and then select a pre-defined label in the Labels section. You can add labels via your mobile or web Qonto app. How to add labels to your suppliers? Save time by adding custom labels directly to your suppliers, in addition to transactions. Learn how in 👉 this article . How to use labels in my dashboard? Optimize cash inflow and outflow management by using custom labels to compare transaction categories on your dashboard. For more details, check out 👉 this article .",https://help.qonto.com/en/articles/4359614-how-to-use-the-analytics-labels How does the Supplier invoices section work?,"With the Supplier Invoices section, you can manage your supplier invoices conveniently from a single tab, the Inbox : Collect your invoices Attach your receipts and paid invoices to the transactions (Learn more) . Easily prioritize overdue invoices, review details, and make payments in just a few clicks. Once an invoice is matched or its payment is created, Qonto removes it from your Inbox, leaving only the invoices that require your attention! This feature is accessible from the mobile and web app to: Account holders and admins of Smart and higher plans. Managers with Whole Company scope and the Upload and set up supplier invoices permission. They can also make direct payments to suppliers (within transfer limits) if they have the Make and approve transfers permission. Accountants with view-only mode. 💡 Note: The Supplier Invoices section is not for processing customer invoices . How does it work? To access to the Supplier invoices section: Go to the Invoices section : From the web app, select the Invoices icon on the navigation menu From the mobile app, click Plus in the lower right corner Select the Supplier invoice section On the top of your screen, you can get insights on the total amount of: Invoices in your inbox Invoices in pending Invoices for which there is a scheduled payment Invoices paid in the last 30 days. Collect invoices: Collect all your invoices, either paid or unpaid, in your Inbox : Using the Upload invoices button of your Supplier Invoices section, or directly dragging and dropping your documents at the center of the Imported tab, in the web app. From your email box, using your forwarding email address . From Google Drive or Dropbox . 💡 Note: Invoices and receipts added manually to transactions from your History will not appear in your Supplier invoices section. Pay or match invoices: Already paid invoices: Qonto automatically matches receipts and paid invoices to the right transaction and moves the invoice from the Imported to the Completed tab of the Supplier Invoices section. If we could not match the invoice to the relevant transaction, go to your Inbox and click on ""...” then on Mark as paid to manually attach the invoice to the relevant transaction. You can also decide not to match the invoice with a transaction, if you don't wish to associate the invoice with any. Unpaid invoices: For invoices in your Imported tab, click on [ ... ] to : Edit the payment details. Pay either with a classic SEPA transfer, a scheduled SEPA transfer, an instant transfer , or a SWIFT . Once the transfer is created, Qonto moves the invoice to Completed in the case of an instant transfer or in the Processing tab for the other type of transfers. For the latter, the invoice will be moved to Completed once the transfer is executed. Qonto automatically attaches the invoice to the corresponding transaction in your Business Account > Transactions section. You will also be able to download your proof of transfer once it has been executed. Your Supplier i nvoices area does not allow you to make bulk transfers , to pay by card, or to set up your SEPA direct debits . Check out 👉 this article to learn how Managers can use the Supplier invoices feature. C ancel or reschedule payment: To cancel a scheduled transfer through the Supplier Invoices section: Check the transfer status to ensure it hasn't been executed yet. (Learn more about transfer execution dates here ) . On the Web app, go to the Business account section on the navigation menu, then navigate to Transactions or Transfers . From the mobile app, go to the History or Transfers section. Select the transfer you want, and click Cancel transfer at the bottom left. If you initiated the transfer from the Supplier Invoices section and it's been cancelled , declined , or returned , the invoice will return to your Inbox . D elete an invoice: To delete an invoice, click the three dots "" ... "" on the invoice or select the invoice and click the trash can icon 🗑️ in the top right corner. Avoiding Duplicates: To prevent paying the same supplier invoice twice, a notification will appear during the import of your invoice if our system suspects a duplicate. In this case, you can click on Review Invoices on the notification. A screen will then display the imported invoice along with potential duplicates. You can then decide whether you want to keep or delete it.",https://help.qonto.com/en/articles/6511268-how-does-the-supplier-invoices-section-work "As a Manager, how can I manage Supplier Invoices on Qonto?","Admins and Account holders can give access to the Supplier Invoices section to Managers with the whole company scope. If you’ve been granted permission to access the Supplier Invoices section, connect to your app and go to Invoices > Supplier invoices . 💡 More details on the Supplier invoices section: here . What can I do with the Supplier Invoices section? 📲/💻 Both web and mobile app: Upload invoices with Drive, drag-and-drop or bulk upload View, download, and delete the invoices for the whole company Edit the invoices' information scanned by Qonto or add missing details (Supplier’s details, invoice number, due date, payment amount, and description) to prepare the payment 💻 Web app only: Mark invoices as paid and match them with an existing transaction Pay by transfer all the invoices or up to your monthly or per-transfer limits (which are set beforehand) Request payment for invoices in euro from the Supplier invoices section in case: you don’t have transfer permission the amount of the invoice exceeds your monthly or per-transfer limit The request will be sent for approval to the Admin, Account holder or another Manager (if the amount does not exceed the transfer limit defined) with an email and notification. How can I pay a supplier invoice if I don’t have transfer permission or if I have reached my transfer limit? For invoices in euro: From the Imported tab in the Supplier invoice section , open an invoice by clicking on it Fill in the mandatory fields (Supplier name, due date and amount) Click on Request transfer You will be redirected to the transfer request. The account Owner, Admin, or another Manager (if the amount does not exceed the transfer limit defined) can: Approve the transfer , which will be executed the next morning (you will be notified by email) Reject the transfer , and the invoice will move back to Inbox, along with an explanation of the rejection, so you can make the necessary changes and submit the request again In case of change of plan or error, you can also cancel a transfer request (until your request is approved or rejected by an Admin, Account Holder or another Manager). For invoices in currencies other than euro: Requesting a non-euro transfer for an invoice is not possible at the moment. To pay such invoices, you’ll need to reach out to an Admin, Account Holder or another Manager with transfer permission. 💡 Note that you will also be able to see and reject a transfer request from the Requests section. I’m a Manager, but I can’t see the Supplier invoices section. Why? It’s likely because your scope permission on Qonto is set on Team and not Whole company . Only Managers with whole company permission can see the Supplier invoices section. You can ask your account Owner or Admin to update your permissions.",https://help.qonto.com/en/articles/7299131-as-a-manager-how-can-i-manage-supplier-invoices-on-qonto How to detect and respond to fraud attempts?,"Phishing, spoofing, fake bank advisor, fake courier – discover these various types of fraud in this article and the precautions to take to protect yourself. ​ Firstly, whether through email, SMS, or phone, Qonto will never request your confidential information such as: Your password, Your login credentials, Your payment card number. We will never ask you to make a transfer to secure your funds . If a third party asks you to approve a transfer through Strong Authentication to cancel a fraudulent operation, it is a scam: this method aims only to approve outgoing transactions . Similarly, we will never ask you to hand over your payment card to a third party, such as a courier, to 'secure' your Qonto account. ​ Qonto will contact you exclusively through the email address you use to log in to your account, never on your personal email address. If in doubt, prefer using the in-app chat from the Qonto application . ​ ​ Can a fraudster call me with a phone number identical to Qonto's? Yes, it's possible. A fraudster can modify their phone ID to make it appear as Qonto on the victim's phone during the call. This is known as spoofing . It's not an intrusion into your phone line but rather an impersonation of a phone number. The same applies to emails. What is this method? Spoofing is a fraudulent technique where a fraudster alters their identifiers to pose as a legitimate institution. It is used in attempts of social engineering fraud , especially in cases of fake bank advisor scams . In the case of Qonto, the fraudster poses as one of our agents to a client. By displaying our phone number during the call, the fraudster increases the chances of gaining the victim's trust and persuading them to perform a fraudulent operation, allowing the fraudster to extract money or take control of the Qonto account. ​ How to verify if the person on the phone is a genuine Qonto advisor? No Qonto employee will ask you for confidential information or to perform operations. If this happens or if in doubt, hang up and contact us directly through the chat from your account. ​ The fake bank advisor scam is a form of social engineering . This method involves manipulating a client to gain their trust, obtain confidential information, or induce them to carry out fraudulent operations. ​ In the case of Qonto, the fraudster contacts the client, usually by phone, pretending to be a Qonto agent. They then attempt to extract money or take control of the target's account. ​ This method relies on three pillars: Impersonating the identity of a legitimate institution Creating a sense of urgency Establishing a trusting relationship with the victim What are these three pillars in detail? Impersonating the identity of a legitimate institution The fraudster presents themselves as an employee of Qonto . Their speech is polished and professional . They borrow from the vocabulary of real bank advisors and mimic seemingly legitimate protocols. They may also modify their phone ID to make 'Qonto' appear on the victim's phone during the call (spoofing). It's not an intrusion into your phone line but an impersonation of the phone number. The same applies to emails. Creating a sense of urgency The fraudster immediately seeks to establish a sense of urgency with the victim to minimize questions about their legitimacy. They may claim to have identified fraudulent transactions on your account and ask you to perform certain operations to ""secure"" your account . They emphasize the need to act quickly , even if it involves bypassing basic security rules. They may also ask you to keep it quiet and not disclose your interactions with them . Gaining your trust The fraudster desperately seeks to gain the victim's trust to get them to perform the desired actions. To do this, they rely on information that you consider confidential and unique. In reality, most of this information is easily accessible : Your personal information (name, first name, and phone number) can be collected on social networks. The first six digits of your bank card are common to all cards. You may have shared your IBAN with a service provider, and it could have been subject to a data leak. It's highly likely to find certain very popular merchants such as Amazon, Fnac, or eBay among the latest transactions you made. 💡 It's also possible that the fraudster initially obtained your sensitive information through phishing . ​ What are the typical requests of fraudsters in this case? With Strong Authentication now mandatory for Qonto accounts , the fake bank advisor needs the client to perform or approve certain operations themselves. The fraudster may ask you to: Change your password, either using a temporary password they provided or by asking you to share the new password with them. Change the phone number linked to your account. Authorize new connections to your account through Strong Authentication. Add a new member or administrator to your account. Approve new beneficiaries, card transactions, and/or transfers through strong authentication. This list is not exhaustive. ​ By performing these actions and approving them through Strong Authentication, you involuntarily participate in the fraud, allowing the fraudster to empty your account or take control of it. 💡 Recently, the fake bank advisor scam is often accompanied by a fake courier scam . After warning the client of a supposed fraud attempt on their account, the fraudster informs the victim that a courier will be dispatched to retrieve the payment card to replace it and secure the account. ​ Qonto will never ask you to hand over your payment card to a third party . This email seems to come from Qonto, how can I ensure its authenticity? Phishing , or spoofing, involves sending deceptive emails in which the fraudster poses as Qonto. In other cases, they use SMS, and this is referred to as smishing . ​ The fraudster aims to obtain personal information about the victim, either to impersonate them or to encourage them to take specific actions, such as sharing passwords or making fraudulent payments. What is this method? A common example is sending a message containing a link to malicious software designed to collect sensitive data once installed on the victim's device. The fraudster can also encourage the victim to access their bank account or make an online transaction by mimicking a trusted site . The link actually redirects to a fraudulent site that collects personal information (such as bank account number, credit card details, security codes, etc.) and allows the fraudster to use them to steal money. Subsequently, the obtained data can be used in social engineering fraud activities , reinforcing the credibility of the attack to take control of the victim's account or persuade them to validate banking operations. How to guard against it? Here are some best practices to follow to protect your Qonto account from phishing: Direct Access to Your Account Save the site "" app.qonto.com "" in your bookmarks. We encourage you to use this shortcut to access the Qonto application. This avoids clicking on any potential links included in a fraudulent email. Download the official Qonto application available on mobile from the app store. Password Manager Use this tool to store your Qonto password. The password manager detects phishing sites and will only suggest autofilling your credentials on the genuine Qonto site. Suspicious Link in an Email If a link invites you to view a transaction or perform a sensitive operation, for example, do not click on it. Instead, log in to your Qonto application independently on your computer or phone. This allows you to have better control over the authentication process. In case of doubt, use the chat from your Qonto account to secure exchanges. Pre-Recorded Banking Information Avoid saving your credentials and payment information online. If you choose to do so, only save them on trustworthy and secure sites (look for the padlock symbol on the left of the URL, connection in https ). What to do if someone has used my identity to open a Qonto account? We implement stringent checks during the creation of a new Qonto account, in compliance with current legislation. However, if you suspect that someone has opened a Qonto account using your identity or that of your company, follow these steps: Promptly file a complaint with the relevant authorities so that you can provide us with the official report during our communication; Prepare a copy of your identification document and a Kbis (French business registration document) dated within the last 3 months for your company; Transmit these documents to us by email or through the chat so that we can take appropriate measures.",https://help.qonto.com/en/articles/8750410-how-to-detect-and-respond-to-fraud-attempts What to do if I'm not receiving SMS messages?,"In certain situations, it may happen that you don't receive the necessary SMS to validate sensitive operations from your phone. What alternative do I have to SMS? ☝️ Good to know: If you have not received the SMS, we will send it to you automatically on the mobile app WhatsApp, if it is active on your phone, for the following cases: Setup of 2-step verification Activation of Strong Customer Authentication Confirmation and update of your phone number Confirmation of some card transactions on internet You don’t have Whatsapp on your phone yet? We advise you to download it and then retry. I have successfully installed WhatsApp, but I still don't receive the SMS. Then, if you still don't receive an SMS, here are some tips on how to deal with the situation: Make sure you have an adequate telephone network If you have a dual SIM phone, remove the SIM not associated with the Qonto's account If the roaming* is on, turn the roaming off and try again Check if the hour and the date of the phone is set in automatic mode Re-start the phone again If you are abroad, send an email/message to your phone number operator and verify that the SMS are on and without the limits * Roaming allows you to make phone calls or access the internet from abroad using a different operator than your own. If you have followed these steps and the problem persists, contact our support by email or from the chat on your Qonto interface.",https://help.qonto.com/en/articles/4855678-what-to-do-if-i-m-not-receiving-sms-messages "What can I do if my paired phone is lost, stolen or if I can't use it?","If you have activated the Strong Customer Authentication (SCA) , you have paired your phone to login or to initiate a transaction or a sensitive action. If your paired phone is unavailable, don't worry: contact us through the chat on your Qonto app . We will take care of unpairing your phone. Please note that only one phone can be paired per profile. ✌️ Good to know: If after unpairing your phone, you do not re-paired a new one, your online card payments will automatically be declined. It is therefore necessary to pair a new phone in order to validate your operations. How to pair a new phone? Pairing a new phone is very simple and requires you to perform only two steps: a phone check and an identity check . It will only take you a few minutes. Start by opening your Qonto app on your new phone and enter your credentials On the screen that pops up, click on Change paired device Start the recovery process by e-mail. We'll first send you an e-mail, that you'll need to open with your new phone. From this e-mail, click on Verify my phone Back on your Qonto app, you'll only need to check your identity . To do so, we'll ask you to take a picture of your face. Adjust your face with the frame and click to take the picture. ✌️ Good to know: To have your picture validated, please keep a straight face and make sure your eyes are visible if you wear glasses. Once the verifications are successful, your new phone is paired, and you can connect to your app as usual.",https://help.qonto.com/en/articles/5030826-what-can-i-do-if-my-paired-phone-is-lost-stolen-or-if-i-can-t-use-it What is Two-Factor Authentication (2FA)?,"The Two-factor authentication (2FA), sometimes referred to as Two-step verification, involves the transmission of a temporary verification code via SMS. The received code must then be entered in addition to the password to confirm the user's identity. 💡 Two-Factor Authentication is a prerequisite for setting up Strong Customer Authentication (SCA) , now mandatory for the use of your Qonto account. How to set up Two-Factor Authentication? From your computer, log in to your Qonto account, go to Settings > Personal Settings section. Click on the Security tab In the Two-Factor Authentication section, click Configure to start Provide or confirm your mobile phone number In the next step, enter the 6-digit verification code received via SMS . Note: this code is only valid for 1 minute. If you fail to enter it in time, make a new request. ✅ From this moment on, Two-Factor Authentication is successfully configured on your account. I've lost my phone or no longer have access to my number, What should I do? Refer to our dedicated article on How can I update my phone number? or contact our support through the chat on your dashboard or via the Qonto application.",https://help.qonto.com/en/articles/4359650-what-is-two-factor-authentication-2fa What is Strong Customer Authentication (SCA)?,"At Qonto, guaranteeing the security of your accounts is our priority. ​ Therefore, it is mandatory to activate strong authentication ( SCA - Strong Customer Authentication ), according to the provisions of the second European Payment Services Directive (PSD2) entered into force in September 2019. How does Strong Customer Authentication work? SCA ( Strong Customer Authentication ) involves the use of two authentication factors from three possible categories: Information known only to the user (such as a password) A device or object they own (such as a smartphone or card) A characteristic of its own (such as a fingerprint or facial scan) ⚠️ Important: SCA notifications are only intended to validate transactions. You cannot “cancel” a transaction via SCA. If someone asks you to “cancel” a transaction by validating a notification on your phone associated with your Qonto account, you're probably the target of a fraud attempt. Qonto will never ask you to validate or “cancel” fraudulent transactions to third-party accounts, change your password with a temporary password, add a device and/or new members/administrators. Strong authentication aims to prevent fraud, to protect your Qonto account when performing most sensitive actions . For example, adding new beneficiaries, members or administrators, pairing new devices, or validating transfers, are actions subject to strong authentication. In practical terms, SCA involves associating a smartphone with your account. Every sensitive operation you or your teams carry out must be validated by approving a notification in the Qonto app . With just one click, you can confirm the legitimacy of the transaction and guarantee the security of your account. 💡 Good to know: strong authentication lets you associate a single device per profile and is available on phones using iOS, Android or HarmonyOs (Huawei/Honor). 👉 Read our article How to pair my phone with my Qonto account? Strong Customer Authentication and fraud Strong authentication ensures that you are the person to validate all sensitive transactions on your account. On the other hand, remain vigilant: never approve a transaction for which you are not the originator . Fraudsters could trick you into validating fraudulent transactions, such as money transfers. If they try to take control of your Qonto account, they could get you to approve a new administrator, change your password, and/or authorize a new device. It is imperative to carefully check each operation to approve only legitimate ones, thus avoiding any fraud or unauthorized access. 👉 Read our articles on the most common fraud techniques and best practices to protect yourself against scams: How to detect and respond to fraud attempts? What are the 10 habits to enhance the security of my Qonto account? Why strong authentication rather than another two-step validation system? Previously, Qonto offered two-factor authentication (2FA - Two-Factor Authentification) . This was a two-step validation, for which the Qonto user received a code by SMS to be entered to validate the operation. Two-factor authentication today does not offer an adequate level of protection, as it has significant security flaws (see box) , so it has been replaced by SCA. ⚠️ To get around the two-step validation, fraudsters can impersonate their victim to his or her telephone operator in order to retrieve the line's SIM card. This technique, known as SIM swapping , enables them to receive all the security codes linked to their victim's account directly on their own phone.",https://help.qonto.com/en/articles/4674606-what-is-strong-customer-authentication-sca How to pair my phone with my Qonto account?,"At Qonto, we are using a Strong Customer Authentication (SCA) system for an even more secure account. That's why you need to pair your phone with your Qonto account. It will allow you to confirm both your actions and your identity in just a click. Using the SCA is mandatory since the application of the Payment Services Directive (PSD2). How to pair my phone? ☝️ Good to know: the phone you use for this action has to be yours, and only one phone can be paired per profile. Go to your Qonto mobile app and log in Click on Pair this phone Enter your confirmation code sent by SMS Finally, if it's not done yet, turn your notifications on by clicking on Open settings Your phone is now paired with your Qonto account! The SCA is available for phones using iOS, Android or HarmonyOS (Huawei/Honor). You can do this action anytime. Log in to your mobile app, go to More > Settings & Tools > Security, and follow the steps above. I can't pair my phone If you face any issues while pairing your phone with your Qonto app, check that: The confirmation code we sent you by SMS is correct or hasn't expired (don't worry, you will be able to request a new one) You have a good network Your Qonto app is updated with the last version If you believe the security of your account is compromised, or you need further assistance pairing your device, contact us . I don't have a smartphone to associate It is mandatory to associate a phone with your account. As a financial institution, we are subject to European security standards, and associating your device helps meet the required security needs. You can associate your personal device. The process is 100% secure, and the Qonto app does not collect any of your personal data~~.~~ A smartphone is a tool that is becoming necessary for many daily uses. Therefore, getting one now would not only ensure the secure maintenance of your Qonto account but also help you anticipate future needs. How to change the associated phone with my Qonto account? I have transferred data from my old phone to my new phone, what to do? To pair your new phone to your account, we invite you to do the following actions: Download the Qonto app on your new phone and enter your credentials On the screen that pops up, click on Pair this device Your new phone is paired I didn’t transfer data from my old phone to my new phone or the first method didn’t work, what to do? To pair your new phone to your account, we invite you to do the following actions: Start by opening your Qonto app on your new phone and enter your credentials On the screen that pops up, click on Change paired device We'll first e-mail you, that you'll need to open with your new phone. From this e-mail, click on Verify my phone Back on your Qonto app, you'll only need to check your identity . To do so, we'll ask you to take a picture of your face. To have your picture validated, please keep a straight face and make sure your eyes are visible if you wear glasses. Adjust your face with the frame and click to take the picture. Once the verifications are successful, your new phone is paired. ☝️ Good to know: it is possible to log in to your account from a phone which is not the paired phone. After entering your credentials, a confirmation request will be sent to the paired phone to authenticate the login attempt. You will then have the option to mark the phone as a trusted device for 90 days. If your paired phone is lost, stolen, or unusable, you can simply pair a new phone in its place by following the steps above. If you believe your account is compromised, contact us directly via chat or email.",https://help.qonto.com/en/articles/4674610-how-to-pair-my-phone-with-my-qonto-account What is 3D-Secure (3DS)?,"3D-Secure (3DS) aims to protect your online transactions by preventing fraud attempts while ensuring the legitimacy of customers to merchants. 💡 Following the implementation of the provisions of the second European Payment Services Directive (PSD2), online transactions must now be secured through strong customer authentication (SCA). To meet this requirement, the 3DS protocol has been enhanced, and a version 2 compliant with these standards has been introduced. As part of our partnership with Mastercard, Qonto card payments benefit from this higher level of protection. How does 3DS work? With this system, the cardholder must prove his identity to validate each transaction, either through strong customer authentication (SCA ) or two-factor authentication (2FA) . If the merchant uses the latest version 3DSv2 , and strong customer authentication (SCA) is enabled for your Qonto account, you will need to confirm the operation through the Qonto notification received on the associated phone. This is the most secure and recommended method. If the merchant uses the old version of 3DS and/or you have only two-factor authentication (2FA) enabled on your Qonto account, 2FA will be applied. You will receive a unique code via SMS to the phone number associated with the Qonto account. The code must be entered on the payment page. This authentication is mandatory, even when multiple payments are made close together in time. ☝️ Good to know: Recurring subscriptions are approved via 3DS during the first transaction . However, subsequent automatic transactions do not need to be validated again. ​ ​ Example 👉 You subscribe to a monthly subscription with an online media outlet. The first payment, corresponding to the registration of the card on the site, will be subject to 3DS. In the following months, the amount of your subscription will be automatically debited from the card by the merchant without requiring validation. ​ 3D Secure does not apply to in-store card payments or to validate automatic withdrawals ​ Merchants offering 3DS display a Verified by Visa or MasterCard SecureCode logo on their website",https://help.qonto.com/en/articles/4359674-what-is-3d-secure-3ds How can I change my Qonto account password?,"I have access to my account and I want to change my password: 🖥️ From a computer: Go to Settings in the bottom left corner and click on Personal settings . Click on Security , and then click on Change Password to reset your password. Finally, enter your current password to create a new one. 📲 From the mobile app: Go to Menu > settings symbol “⚙️” > Security Select Change password. Enter your current password and define a new one. ☝️ Good to know: If you're signed in using Google / Apple and do not have a password on your account, there’s no further need to set up a password, as Google and Apple are secure. You’ll notice that the Change Password button is disabled. I have forgotten my password and can no longer access my account: 🖥️ From a computer Go to the login page, then click on Forgot Password Enter your email address Open the email sent to your email address and click on Change your password Enter your new password If you have set up Strong Customer Authentication , click on the notification sent to your paired phone to confirm your identity If you have not yet set up strong authentication, enter the confirmation code you received on your phone number Your password is changed 📲 From the mobile app Go to the login screen, then click on Forgot Enter your email address Open the email sent to your email address and click on Reset your password Enter your new password If you have set up Strong Customer Authentication and the password change is done from your paired phone, your password is changed If you have set up strong authentication and the password is changed from a phone other than the paired phone, click on the notification sent to the associated phone to confirm the change If you have not yet set up strong authentication, enter the confirmation code you received on your phone number Safety tips To improve your account’s security, we recommend : Signing in using Google / Apple (Sign in with Apple is available only on iOS 13 or later). Changing your password often. Opt for a strong and unique password for each of your online accounts. Avoid using birthdates, your pet's name, or simple number sequences like ""12345..."" or ""0000..."". ⚠️ Important: Never, never give your password (to Qonto, or to anyone). It’s personal and helps you protect your account. If you think you are being defrauded, change your password right away and check this article to know what to do.",https://help.qonto.com/en/articles/4359654-how-can-i-change-my-qonto-account-password How is the access to my account secured?,"Account access securing is an essential matter for us, and implies the use of different methods. ​ 🔐 Secured login password To log in to your account and carry out non-critical operations, you must use a password of at least 9 characters . Opt for a strong and unique password for each of your online accounts. Avoid birthdates, your pet's name, or simple number sequences like ""12345..."" or ""0000..."". 💡 Tip: use_A_long_sentence1. Also remember to change your password regularly. ​ 👉 See the dedicated article: How can I change my password? ​ 📲 Strong Customer Authentication (for your sensitive operations) In compliance with the second Payment Services Directive (PSD2) , Strong Customer Authentication (SCA) is often required when using your Qonto account. Strong Customer Authentication secures the most sensitive transactions carried out on your Qonto account, whether by you or by members of your team. It relies on the validation of a notification on the phone associated with the account, guaranteeing the origin and legitimacy of the transaction. It's important to note that only one phone can be associated per profile . ​ 👉 See the dedicated article : What is Strong Customer Authentication (SCA)? ⚠️ Important: to continue using your Qonto account normally, you must opt for Strong Customer Authentication. If you have not yet done so, please follow these steps to set it up. ​ 💬 The 2-step verification (SMS) The 2-Step verification , also known as 2-factor authentication (2FA) , is a step prior to activating Strong Customer Authentication on your Qonto account. It relies on sending validation codes by SMS. It is not enough on its own to properly protect your account. ⚠️ To get around the two-factors authentication, fraudsters can impersonate their victim to their phone operator, in order to retrieve the line's SIM card. This technique, known as SIM swapping , enables them to receive all the security codes linked to their victim's account directly on their own phone. This is why we apply Strong Customer Authentication (SCA) for all sensitive account actions, and not 2FA. 👉 For more information : What is Two-Factor Authentication (2FA)? ​ 💳 3D-Secure (for your online transactions) 3D Secure is a security protocol for online card transactions that adds an authentication step for the cardholder, reducing the risk of fraud. Following the second European Payment Services Directive (PSD2), online transactions must now be secured by strong authentication (SCA). Therefore, the 3DS protocol has been enhanced, and a version 2 compliant with these requirements has been introduced. Qonto payment cards benefit from this system thanks to our partnership with Mastercard. ​ 👉 See our dedicated article: What is 3D-Secure (3DS) ? For any question on the securing of the access to your account, we invite you to consult the different articles listed above, or to contact us directly by chat from your Qonto app !",https://help.qonto.com/en/articles/5827400-how-is-the-access-to-my-account-secured What is my phone number used for?,"Your phone number is required in two cases : It allows us to contact you quickly if we notice suspicious activity on your account. It enables you to use the 3-D Secure authentication , which secures online purchases. For these reasons, it is very important that you make sure that your contact details are always up to date in your user profile ( see how to update your information ).",https://help.qonto.com/en/articles/4359664-what-is-my-phone-number-used-for How can I update my personal and business information?,"For legal and security reasons, it is important to always keep your personal and professional information up to date. 👆 Good to know: You can update all this information only via computer. Follow the steps down below depending on your specific case: 👤 Updating personal information Log in to your web app 🖥️ and go to Settings (in the bottom left corner) > Organization details > Company profile . Click the Pencil button on your personal profile to update your information as shown in the following image: Remember to add a document justifying the modification of the information in the Submit an up-to-date proof of identity section. 💡 As a reminder, here are the identity documents accepted by Qonto . Click on Save . 🏢 Updating my business information ❗️ This update is only possible for companies. In order to change the address of your association, please contact Support at [email protected] to submit a modification request. You will need to add in the File an up-to-date registration document section a document justifying the modification of the information with a KBIS, INSEE's ""Avis de situation"", INPI's Document de synthèse définitive, or INPI's extrait d'immatriculation dating from less than 3 months. You can independently upload an image for your company logo or update your billing email address if you wish. Click on Save. 👥 Update of company leaders and shareholders. If you are the corporate officer and legal representative of the company but it is not indicated, please correct the information: ❗️This is just an information update, but you won't be able to make a management change here. Select ""yes"": Submit an up-to-date registration document Fill in your tax information Save Confirm that your business information is up-to-date ✅ Our teams will then check and validate the new information. ❗️ Only the account holder and members with an administrator role have the possibility to modify their information. If you do not have this role, we invite you to contact us. Do not hesitate to consult the following articles if you wish to change your telephone number or your email address: 👉 How can I modify my phone number? 👉 How can I update my email address?",https://help.qonto.com/en/articles/4359660-how-can-i-update-my-personal-and-business-information How can I update my email address?,"You can change your email address at any time by accessing your Qonto application from your desktop or your mobile. Do have access to your Qonto interface? 💻 From a computer Go to Settings in the bottom left corner and click on Personal settings > Personal profile. Click on the Change button - bellow to your current email address Then, you'll enter your new email address Confirm it by entering the 6-digit verification code you received by email. If you have set up Strong Customer Authentication , confirm your identity on your paired device If you haven't set up Strong Customer Authentication yet, enter the confirmation code you received on your phone number Your email address is changed! 📱From the mobile application Go to Menu > settings symbol “⚙️” > select your profile Click on the pencil-shaped emoticon on the right Then, you'll enter your new email address Confirm it by entering the 6-digit verification code you received by email. If you have set up Strong Customer Authentication , confirm your identity on your paired device If you haven't set up Strong Customer Authentication yet, enter the confirmation code you received on your phone number Your email address is changed! Do you have a password set up yet? If you don’t have a password set up yet (you signed up with Google / Apple) , you will be required to set up one when you change your email. In addition to following the steps above 👆: After you enter your 6-digit verification code, you will be signed out of your account. You will receive another email with instructions to set up your password Click on the link in your email to set up your password You don't have access to your Qonto app or an error message is displayed? To proceed with this modification, we need to verify your identity. We just want to ensure that no one is trying to impersonate you.🕵️‍♂️ Please send us the following elements by chat: A selfie , having in your hand your ID document close to your face, and a blank sheet of paper with the current date and the word QONTO handwritten. The following information: Company's name SIREN Last name Name New email address",https://help.qonto.com/en/articles/4637264-how-can-i-update-my-email-address How can I visualize my teams on Qonto?,"👆 Teams visualization is only available from Essential, Business and Enterprise plans. Allocating the right teams to your members can drastically simplify the monitoring and analysis of your company spending in real time. It also enables you to delegate pre-defined financial and administrative tasks to your team leaders thanks to the Manager role. Team set up Visualize the history of transactions performed by all the members of a selected team, and track their use of cards in a few clicks. Edit your teams to accurately mirror your organizational structure on Qonto Invite members and assign them a role as well as a team Alternatively, let your team leaders built their own teams! Add a member with the Manager role to an empty team and let her/him invite and manage the team. 💡 As a reminder, adding a member with a Manager role enables you to delegate a pre-defined set of actions and permissions to a member for a selected team. Filters by team As an admin or an owner, you can easily view the members, transactions, and cards of the team of your choice. To do this, go to User management > Teams management . Click on the wallet icon (first one) on the bottom left corner of a card to filter your History and access all the transactions of members in the selected team Click on the card icon (second one) to visualize all the Cards assigned the members of the selected team 👆 Good to know: Filters can also be accessed directly from the User management , Transactions and Cards sections. Roles and permissions All teams can be accessed and edited by both owners and admins of organizations with a Team plan . A member with a Manager role can also visualize the members, transactions and cards of the team she/he has been assigned to. 👆 Good to know: Only one member with a Manager role can be added in each Team.",https://help.qonto.com/en/articles/5713440-how-can-i-visualize-my-teams-on-qonto How can I create and edit a team on Qonto?,"Teams editing is only available for Essential, Business and Enterprise plans . Solo Smart and Premium can assign one of Qonto's 8 preset teams to their member(s). To create or edit a team, log in to your web app, go to User management, in the bottom left corner and click on Team management . 👆 Good to know: On mobile, Teams can be accessed, but not edited. Create a team Click on + Create team in the top right corner of the screen Enter your team name and validate your entry by clicking on Create new team Add existing members to the team or invite new members on Qonto from the User access tab. You can alternatively add a member with the Manager role to a team and let her/him built the team! Adding a member with a Manager role enables you to delegate pre-defined actions and permissions to a unique member and for a selected team. Feel free to review this page to better understand the difference between the Employee and Manager role. 👆 Good to know: You can create up to 100 teams on Qonto and add one manager per team. Rename a team Click on three dots "" ... "" in the top right corner of the card of the team you want to edit Click on Rename team Enter and confirm your new team name by clicking on Rename The change will immediately be reflected on existing members of the edited team. Delete a team Ensure the Team you want to delete has no Team Member Click on three dots "" ... "" in the top right corner of the card of the team you want to edit Click on Delete team Confirm by clicking on Delete 👆 Good to know: In order to delete a team, all team members must be assigned to another team beforehand from the User access tab.",https://help.qonto.com/en/articles/5685161-how-can-i-create-and-edit-a-team-on-qonto How can I update my phone number?,"You can change your phone number at any time by accessing your Qonto application from your desktop or from your mobile application . To confirm this update, we need to verify your identity. We just want to ensure that no one is trying to impersonate you. I have access to my account and I want to change my phone number, what should I do? From a computer Log in to your Qonto account from a computer Go to Settings in the bottom left corner and click on Personal settings > Personal profile. Click on the Change button - bellow your previous the phone number Enter your new phone number Enter the confirmation code sent on the new phone number If you have configured the Strong Customer Authentication , you will receive a confirmation request on your associated phone If you have not yet configured the Strong Customer Authentication, you can choose to receive the confirmation code on your previous number or by email. Enter the confirmation code sent to your previous phone number or to your email Your phone number is changed! From the mobile application Log in to your Qonto account from your mobile application Go to Menu > settings symbol “⚙️” > select your profile Click on the pencil to the right of the phone number Enter your new phone number Enter the confirmation code sent on the new phone number If you have configured the Strong Customer Authentication , you will receive a confirmation request on your associated phone If you have not yet configured the Strong Customer Authentication, enter the confirmation code sent to your previous phone number Your phone number is changed! You can’t modify your phone number or an error message is displayed? To proceed with this modification, we need to verify your identity to ensure the security of your account. Please send us the following elements by chat: A selfie , having in your hand your ID document close to your face, and a blank sheet of paper with the current date and the word QONTO handwritten. The following information: Company's name SIREN Last name Name New phone number 💡 Why is it important to keep your phone number updated? There are three use cases for which your phone number is required: It allows us to quickly get in touch with you if we suspect fraudulent use of your account It will be asked in order to set up the 2FA verification . It makes 3-D Secure protocol possible (i.e. the sending of a confirmation code for online purchases). For these reasons, it is very important that you make sure that your contact details are always up-to-date in your user profile.",https://help.qonto.com/en/articles/4359655-how-can-i-update-my-phone-number Which role should I assign to my employee: Manager or Employee?,"The Employee role is available on Essential, Business and Enterprise plans , while the Manager role is only on the Business and Enterprise team plans . The Employee has a more restricted access than the Manager which comes with a certain level of delegation. The role you will assign to your employee or team lead depends on your organisation's particular needs. We describe below a couple of use cases that will help Admins and the Account Holder decide what's best for their company. I want my team leads to handle the expense management for their own team and I trust them to spend the company money in line with the pre-agreed company policies. - You can assign them the Manager role, it will allow your team leads to independently manage the spending for their team. I want my manager to be able to import invoices, review them, pay or request payment - You can assign them the role of Manager with the Whole company scope, and activate the permission Upload and set up supplier invoices . If you’d like them to pay all invoices or some invoices within payment limits, you will need to enable “Make and approve transfers, and reimburse expense reports”. Note that if they do not have transfers permissions or they have reached their transfers limits, they will be able to make a transfer requests in the Supplier Invoice section. I need my team lead to be able to create cards for their team. - You will need the Manager role, as users with the Employee role can't create cards. One thing to keep in mind is that the Manager is in liberty of creating any cards and setting the limits on its own for their team. All of which information is available for the Admins and the Account Holder to see under the Cards tab on the Qonto account and they can freeze cards easily if ever needed. I want to approve all outgoing transfers. - We suggest the Employee role in this case, as the user with the Manager role has the independence to make transfers without having you first approve it, within his monthly limit / per transfer limit, which you have previously set. As an employee, making a transfer request does not need the user to submit proof of identification. As an admin or Account Holder, you will still able to check all transactions that the Manager does under the History tab on the Qonto account. We also suggest that you could have clear guidelines in place on how Managers and their team can spend the company money.",https://help.qonto.com/en/articles/5568681-which-role-should-i-assign-to-my-employee-manager-or-employee What permissions does the Manager role have?,"The Manager role is available for Business and Enterprise plans . The role of the manager is customizable: Admins or Account Holder define permissions for each manager individually, on a team level or on the whole company level. What is the scope of permissions for a Manager? Depending on how much they want to delegate, the Admin or the Account Holder defines the scope of permissions for each manager: on the whole company level or on a team level The manager will be able to see transactions, manage payments, invite Employees, and access balances depending on the scope level. 💡 You need to create a team before assigning a Manager to a team. What permissions can be delegated to a Manager? A set of permissions is defined for each manager access, during the invitation process , by the Admin or the Account holder and can be edited at any moment, with immediate effect. Those permissions will apply within the scope level selected. They are defined around: Expense management: manage card, entering and approving transfers within the limits set beforehand , manage direct debits, and checks Team management: invite and revoke employees Financial monitoring: see account balance, IBAN, transaction history, and export statements (‘whole company’ scope) Bookkeeping (collect and request receipts, verify transactions, manage suppliers, associate supplier invoices with transactions and pay them or prepare payments, manage custom label) 💡 Managers can have access to all company accounts, or no account. They cannot have access to only certain accounts. What permissions can’t be delegated to a Manager? ❌ Invite all types of team members: Admins, Managers, and Accountants ❌ Change roles status for themselves and other users ❌ Edit subscription ❌ Set up and manage multi-accounts ❌ Set up and manage third-party tools via Connect integrations 💡 Admins can do these actions. How to check the permissions of a Manager? It is possible to view the scope and permissions of a manager directly from their member profile. From a computer: Go to User management, Click on User access, Select the profile of the Manager you wish to view. From the mobile app: Go to Menu > settings symbol “⚙️” > User management Click on the ""plus"" symbol at the top right of the screen.",https://help.qonto.com/en/articles/6295470-what-permissions-does-the-manager-role-have How can I sign in with Google / Apple?,"Why should I sign in with Google/ Apple? ""Signing in with Google/Apple"" makes it easy to access your Qonto account without the need to remember passwords. It's also safer than using a password. Click to learn more about the security standards provided by Google and Apple . What are the Sign in options available? You can log in to your Qonto account via the following methods: Email and password Sign in with Google Sign in with Apple We highly recommend using "" Sign in with Google "" or "" Sign in with Apple "" while opening an account or accessing an existing one. "" Sign in with Google"" is available on all device, and "" Sign in with Apple "" is available from iOS 13. If you used Apple's ""Hide My Email"" feature when you opened your Qonto account, you must continue to use it when signing in. Just use the same forwarded email address provided by Apple. 💡 In the future, if you want to revoke Qonto's access to your Apple email, remember to first change the email address associated with your Qonto account. Where can I sign in with Google or/and Apple? This feature is available both for: Account opening: 2. Qonto app login: If you opened your account before the Google /Apple sign-In options were available and now want to use them: You can log in using any authentication method, as long as you use the same email address associated with your Qonto account. For example: if you used [email protected] to sign up and set a password, you can still log in via Google using the same address. If you initially set up your account by signing in with Google/Apple and now want to create a password: You can set up a password by clicking on Forgot Password on the login page. You will receive an email to reset your password. 💡 Make sure you use the password that you set up for your Qonto account and not the password that you use to sign in to your Google / Apple account. In case it does not work, please reset your password by clicking on the Forgot Password link .",https://help.qonto.com/en/articles/6680638-how-can-i-sign-in-with-google-apple What are the different roles available?,"Each member's access is defined by a role . A role sets the limits of possible actions on a Qonto account. There are five types of roles: The Account Holder can access all sections and perform any action: invite or disable access of any members. The Admin role is granted the same rights as the Account Holder. However, unlike the Account Holder, an Admin is not allowed to request the account closure. The Manager role ( for Business and Enterprise plans ) is customizable so that they can only see and do what the Admin or the Owner have decided. They can have access to expense and supplier invoices management, team management, financial monitoring, and bookkeeping. However, they can't set up or manage accounts, change role status, or edit subscriptions. ​ ​ Their scope of permissions will apply either on a Team level or at the Whole company level. 👉 You will find the details of their permissions here . The Employee role limits access to its own transactions. They can own a card and make payments with it if one is assigned to them. With Business and Enterprise plans, they are also able to make transfer requests. The Accountant role ( from Smart plan ) has been designed to suit the needs of your external accountant, finance advisor, manager, or CPA. With Business and Enterprise plans, they are also able to make transfer requests. 💡 You can compare the permissions allowed for each role in the table below: We recommend assigning a role that fits each team member's needs to make the most out of Qonto and achieve maximum collective efficiency. For more details, check this article 👉 How to invite a new team member",https://help.qonto.com/en/articles/4359659-what-are-the-different-roles-available How to change the account holder to another person?,"An account holder can be changed at any time for various reasons (change of corporate officer, account opening by a third party, etc…). 👉 For German IBAN, the process is a bit different. Please check out the DE version of this article. I am no longer the corporate officer of the company, what should I do? If you have an Essential, Business or Enterprise plan: You can first invite the new corporate officer of the company to join the account as an Admin . Once this is done, we invite you to contact our support team via chat or email, with the following elements: The company’s KBIS, dated less than 3 months ago and mentioning the name of the new corporate officer. Alternatively, you may also provide the minutes of a general meeting and the publication in the official journal, specifically for an association. ​ A selfie while holding your ID document close to your face, including a blank sheet of paper with the current date and the word “Qonto” , written by hand. If you have a Basic, Smart, or Premium plan: We invite you to contact our support team via chat or email and provide the same elements as requested above (selfie and KBIS), along with the email address, phone number, and name of the new corporate officer of the company. As the new corporate officer of the company, how can I get access to the account? First, you need to contact the former account holder and ask them to send you an invitation to join the account. Once you joined the account as an Admin, you can contact our support team at [email protected] and ask to be given Account Holder access. You'll need to send us a KBIS, dated less than 3 months ago, mentioning that you are the new corporate officer and a selfie as per the conditions mentioned earlier in this article. 💡 You no longer have contact with the corporate officer, or you are in conflict with them? No worries, we can still proceed with the change of Account holder. To do so, please contact our support via chat or email with your selfie and the KBIS up-to-date.",https://help.qonto.com/en/articles/6221199-how-to-change-the-account-holder-to-another-person How to invite and manage team members within my Qonto account?,"Once your Qonto account is up and running, you can invite additional team members on Qonto and give them specific rights and permissions corresponding to their roles in the company and assign them to a team. How to invite a new member to my Qonto account? You can invite a new team member by following the few steps below. From your web app: at the bottom left, click on User management > User access > Invite a team member. From your mobile app: go to Menu > settings symbol “⚙️” > User management , and click on the ""plus"" symbol at the top right of the screen. Define a role for this member . To learn the details about each role, refer to What are the different roles available? ​ Assign your new member to a team . If you have an Essential, Business or Enterprise plan, you can rename these teams, and create up to 100 teams attached to your company ( more information ). ​ ​ Finally, review and confirm the information . Once you have confirmed, an invitation email to join the account will be sent immediately to the email address you provided for your new member. 💡 When you invite a new team member with an Admin or a Manager role, he will be requested to register his personal information (birthdate, identity document, live identification through a selfie or video, and address). This set of security measures is required by law before a user can receive a payment card and manage his/her expenses. 💡 You can invite a user to Qonto again if he missed your first invitation email. To do so, you will find a "" Re-send invitation "" button on his user profile in your "" Team "" section. How to disable or reactivate a member's access? You might want to disable a member's access to your Qonto account when this person leaves your company, for example. From your web app, go to User management > User / Accountant access. From your mobile app, go to More at the bottom right > Team Members. ​ Select the user's profile and use the Disable access button. 💡 If the disabled access was an additional member charged 5€ VAT excluded/month, you will be refunded automatically, prorated for the current month. To reactivate the access , go back to the User / Accountant access section and select the user profile: you will be able to select the Enable access again button. How to invite my Accountant to Qonto? To invite your accountant, go to the Accountant access section. By giving your accounting department access to Qonto, you make it easier for your accountant to complete value-added tasks for your business: Check on the balance and export transactions with unlimited history Collect and request all the spending receipts Verify, comment, and sort out the transactions with labels, VAT rates, etc. Request a transfer ( for Business and Enterprise plan ) Since accountants have read-only access and cannot use payment cards, they are not required to complete the identity check. However, the procedure to invite them remains the same as any other role. 💡 Accountant access is available with every plan except Solo - Basic . How to invite my Employee to Qonto? Employee roles are not required to complete the identity checks by providing their identity document, they will still be able to make transfer and card requests. However, they will be requested to register an identity document only when requesting a virtual card or getting a physical card. They can submit their document, at any time, through the app via their personal profile. 💡 If they are invited to change their role to Admin or Manager, they will need to verify their identity too.",https://help.qonto.com/en/articles/4359656-how-to-invite-and-manage-team-members-within-my-qonto-account Which role should I assign to a trusted employee: Manager or Admin?,"The Admin role is available on Essential, Business, and Enterprise plans . The Manager role is only on the Business and Enterprise plans . The Manager role is a more restricted role than the Admin role. The Manager role can be assigned to team leads or office managers depending on your organization's particular needs. Admins and the Account Holder decide individually what permissions each Manager has access to, for their team or the whole company. The following use cases can help company Admins and the Account Holder decide what the best set up is for their company. I want my Office manager or my financial assistant to manage my company spending without having the right to invite new Admins - For this use case, create a Manager and choose the whole company permission scope. You can give the permission to Managers to transfer money internally and externally and have access to the company’s accounts balances. However, Managers are not allowed to invite new Admin on Qonto. I want my team lead to manage their team spending and invite new members to their team - For this use case, create a Manager and give permissions to one team scope only. Managers can manage their teams’ spending with autonomy: can transfer money, manage cards (create/delete), and card requests (approve/reject). And they have access to the financial information of their team accounts (transaction history of their team members). I want my employee to manage internal and external transfers, without having the right to approve card requests - For this use case, create a custom Manager role, since the Admin roles can approve all cards request. With the customization of the Manager role, you restrict the permission of Managers to approve card requests. I want my employee to invite new Admins - For this use case, create an Admin role, since only Admins are permitted to invite new Admins, and change roles of employees. I want my manager to be able to import invoices, review them, pay or request payment - You can assign them the role of Manager with the Whole company scope, and activate the permission Upload and set up supplier invoices . If you’d like them to pay all invoices or some invoices within payment limits, you will need to enable “Make and approve transfers, and reimburse expense reports”. Note that if they do not have transfers permissions or they have reached their transfers limits, they will be able to make a transfer requests in the Supplier Invoice section. Enable to let them pay supplier invoices directly. Note that if you set transfer limits, above such limits transfers will require Admin, Account holder or Manager approval. The Manager can assist with the collection, review, and payment of supplier invoices (either directly or by requesting a payment).",https://help.qonto.com/en/articles/6324307-which-role-should-i-assign-to-a-trusted-employee-manager-or-admin How do I confirm my device with email?,"At Qonto, guaranteeing the security of your accounts is our priority. We use device confirmation , a security feature that requires devices ( mobile and computer ) to be authorized before accessing your account. This process should only need to be completed once for each device. ​ This is in complement of strong authentication ( SCA - Strong Customer Authentication ) required on your account. ​ ​ How to confirm the new device? To confirm your device after the log-in to the Qonto app, here are the conditions: Ensure the log-in is triggered by you and not anybody else trying to access your account. Qonto would never ask you to approve the log-in request. Accessing the email only from the device trying to log-in The link in the email will expire after 15 minutes If you do not recognize the device mentioned in the email, please contact our support immediately. Do not forward this email or share the link button with anyone , including people pretending to be Qonto. This is strictly confidential. ​ I have received a notification but I cannot find the email In that case, please follow the steps below 👇 Check your Spam or Trash folders Ensure emails from Qonto are not flagged as spams by verifying them Check the Social or Promotional tabs on Gmail if this is the web mail interface you use ​ ​ I have received an email but the link doesn’t work If this doesn’t work, this could be because of : An expired link: Initiate a new log-in attempt to restart the process A wrong device link: open the link on the same device, where you initially requested to log-in (link would not work on the paired device). If you are using a computer at the time, please open the link on the same browser as you attempted to log-in, avoid using private browsing modes. A redirection : If you still are redirected to the wrong device or expired links, contact the support via chat. ​ ​ I have received an email but the button doesn’t work Please try opening the email on a different email app or directly from the email provider, if this does not work, please contact us.",https://help.qonto.com/en/articles/8925590-how-do-i-confirm-my-device-with-email How do I create a company with Qonto?,"To create a company with us you can register here . To create your Sociedad de Responsabilidad Limitada SL/ SRL you should select option ""You are going to create a limited company"". In the next step, you will create your credentials with the email address and your phone number you will use for your company account. Make sure you have access to this email address as you will receive communications from us and Finutive during the process. The next step will be to fill in the details of your future company. Don't worry, if there are any changes in the future, we will take care of updating the necessary information. We will ask you for information about the financial data of your business. Don't worry, this is for information purposes only. Then you will need to fill in your personal information. Please note that we will send your card to this address, so it should be as accurate as possible. Once you have registered your phone number we will ask you to accept the terms and conditions of our privacy policy as we will share your data with Finutive. When you continue with the process you will be asked to complete an identity verification. *FAQ Fourthline / customer tips Choose the best type of subscription for your new company In this step you must choose the plan that best suits your business needs. Once you have chosen your plan we will proceed to payment. If in the future you decide to change the type of subscription you will be able to do so from the client interface. You will receive the invoice by email once the payment has been processed. The Finutive team will contact you to start the process of creating your company. For more details you can go to the article * What is included in the Qonto x Finutive company creation pack? *. ​ If you have any questions do not hesitate to contact us by email: [email protected]",https://help.qonto.com/en/articles/9127754-how-do-i-create-a-company-with-qonto What is included in the Company Creation Pack? Qonto x Finutive,"To create a company with Qonto we have partnered with Finutive. They offer a personalized and remote service so that you can create your company in the most efficient and fast way. You will be assigned a personal advisor who will assist and advise you during the whole process of creating and incorporating your company. You will also be able to call him/her to solve doubts, as well as to organize videoconferences to share your concerns or documents. The process is online to facilitate all the management of information and documentation, which allows us to be more efficient. What are the stages of the company creation process with Finutive? We introduce you to your advisor and give you access to the platform to complete our form.You will have to provide us with the data and identity documents of your partners. We ask for the company name. It is important to have several options, that is why we recommend providing 5 possible names for your future company in order of preference. With the completed information from our form we generate the file that we will send to the notary. We will confirm the necessary data and information with you before completing the file that will be sent to the notary. The signature with the notary takes place. Notary sends the information to the administrations: Tax Agency (AEAT), Social Security (TGSS) and Provincial Mercantile Registry (where the deeds of incorporation are registered). We will obtain the Model 036 of company or the DUE/ Circe The deeds are registered in the Mercantil Registry. The company appears as Vigente in the Mercantil Registry and Qonto team will acquire the Nota Informativa Mercantil All the company information is updated by the Qonto team. If you have any questions during the registration process you can contact your Finutive advisor or send and email to [email protected]",https://help.qonto.com/en/articles/9127814-what-is-included-in-the-company-creation-pack-qonto-x-finutive Can I create my company in Spain with Qonto?,"To create a company with us you can register here . To create your Sociedad de Responsabilidad Limitada SL/ SRL you should select option ""You are going to create a limited company"". In the next step, you will create your credentials with the email address and your phone number you will use for your company account. Make sure you have access to this email address as you will receive communications from us and Finutive during the process. The next step will be to fill in the details of your future company. Don't worry, if there are any changes in the future, we will take care of updating the necessary information. We will ask you for information about the financial data of your business. Don't worry, this is for information purposes only. Then you will need to fill in your personal information. Please note that we will send your card to this address, so it should be as accurate as possible. Once you have registered your phone number we will ask you to accept the terms and conditions of our privacy policy as we will share your data with Finutive. When you continue with the process you will be asked to complete an identity verification. *FAQ Fourthline / customer tips Choose the best type of subscription for your new company In this step you must choose the plan that best suits your business needs. Once you have chosen your plan we will proceed to payment. If in the future you decide to change the type of subscription you will be able to do so from the client interface. You will receive the invoice by email once the payment has been processed. The Finutive team will contact you to start the process of creating your company. For more details you can go to the article * What is included in the Qonto x Finutive company creation pack? *. ​ If you have any questions do not hesitate to contact us by email: [email protected]",https://help.qonto.com/en/articles/7938349-can-i-create-my-company-in-spain-with-qonto How can I set up my company with LexDo.it?,"To create your company, we recommend using the services of LexDo.it! 🤩 Thanks to the partnership with Qonto, you can indeed create your SRL (Private Limited Company) or innovative startup 100% online , in a simple and fast way, saving time without unnecessary bureaucracy. To do this, you just need to access the platform provided by LexDo.it and follow the steps indicated here: Create the statute and the deed of incorporation of your company in a few minutes starting from this link ; Benefit from the review of the documents submitted by a professional; Set up an appointment with the notary for the signing of the deed, you can do it both online and in the office closest to your area; Your company is officially established! ✅ Using the services of LexDo.it, you will save over €2,000 in the first year compared to average prices! You can customize the statute and the deed of incorporation of your SRL 100% online and benefit from complete legal support included for the entire year. Furthermore, thanks to our agreement, you can benefit from one month of free rate and a discount of €34 for the following month on your Qonto plan 🤩 For any further information regarding the company formation procedure with LexDo.it and the associated rates, do not hesitate to consult this page or to contact their team of expert lawyers! 😉",https://help.qonto.com/en/articles/5603972-how-can-i-set-up-my-company-with-lexdo-it How can I open my VAT number with LexDo.it?,"Opening a VAT number is a mandatory step for any freelancer, consultant, or professional who decides to start their own business and can represent some difficulties. Thanks to the services offered by LexDo.it and Qonto, this step becomes much simpler and faster! 🚀 In fact, you will be able to open your VAT number comfortably from your home in just 24 hours, directly from your smartphone or computer, and benefit from the personalized support of a professional. How? Access the dedicated page on LexDo.it and follow the detailed guide of all the costs for opening the VAT number; Benefit from the assistance of an accountant to choose the regime that best suits your needs; Your VAT number is active! ✅ You won't have to worry about anything else! The LexDo.it team will take care of verifying your eligibility for the flat-rate regime with reduced taxation of 5% for the first 5 years and will carry out all the subsequent procedures, based on your specific case. 📃 The opening of the VAT number is 100% online, with continuous support from expert professionals who will help you make the best choices according to your activity! Opening the VAT number with LexDo.it allows you to save over €400 in the first year and to benefit from a year of legal consulting included in the price! Moreover, thanks to the partnership with Qonto, you can benefit from one month of free rate and a discount of €34 for the following month on your Qonto plan! 🤩 For any further information regarding the VAT number activation procedure with LexDo.it and the associated rates or the 5% flat-rate regime, do not hesitate to consult this page or to contact their team of legal experts! 😉",https://help.qonto.com/en/articles/5603977-how-can-i-open-my-vat-number-with-lexdo-it What legal consultancy services does LexDo.it provide?,"Just like Qonto, LexDo.it also places a high value on the development of Italian SMEs and aims to simplify as much as possible the bureaucracy that professionals, at the beginning of their activity, may encounter along their way. To put this purpose into practice, LexDo.it has developed a complete legal services platform, constantly updated and available 24 hours a day, 7 days a week , allowing SMEs and professionals t o request over 200 types of contracts and legal documents in just 6 minutes! 🚀 You will simply need to connect to the LexDo.it website , select from the list of available documents what you need, and answer a few guided questions that will allow their team of expert lawyers to prepare your customized contract! 😊 Finally, you will be able to download the version of the contract specially prepared for you by LexDo.it, including personalized clauses for the specific situation, comfortably from your own home. 💻 Here are some examples of available contracts: Creation and modification of one's brand trademark; Website privacy policy and cookie policy; Advertising contract; Partnership contract; Customized employment contract for employees, etc... For any difficulties, doubts, or requests, you can rely on the support of expert lawyers, who will not fail to provide you with telephone consultancy to solve even complex problems within a maximum of 48 hours. Rates and special offer dedicated to Qonto clients LexDo.it offers three different types of annual subscriptions: Personal , at a cost of €99/year excluding VAT, with 3 contracts and a consultation with an expert lawyer included in the price; Business , at a cost of €299/year excluding VAT, with the possibility to create unlimited contracts and 5 consultations with an expert lawyer included in the price; Superior , at a cost of €799/year excluding VAT, with unlimited contracts and consultations and a dedicated lawyer for annual legal checkups. Moreover, if you are a Qonto client, you can benefit from a €10 discount on the annual plan you choose, by entering the promotional code available from the Connect section of your Qonto app! 🤩 For any further information related to the rates applied by LexDo.it, we recommend consulting their dedicated page .",https://help.qonto.com/en/articles/5603986-what-legal-consultancy-services-does-lexdo-it-provide What is LexDo.it and how does the partnership with Qonto work?,"As a 100% digital payment institution, Qonto has always been committed to streamline and simplify the financial management of Italian SMEs. It is with this goal in mind that the partnership with LexDo.it was born: to minimize the impact of bureaucracy on business operations, giving them back the time to focus on their activities and increase their business! 🤩 What is LexDo.it concretely doing? LexDo.it is the first 100% online legal service , created with the aim of simplify and make legal assistance accessible to everyone, thanks to continuous updates and the use of innovative technologies. 🚀 Through its platform, specifically designed to allow companies, professionals, and even private individuals to easily navigate through forms and timelines, LexDo.it offers a complete legal service, capable of guiding users step by step who need consultancy. With over 200 types of legal documents available in less than 6 minutes, the support of a network of sector professionals, and extremely competitive costs compared to traditional consultancy, LexDo.it presents itself as a quick, simple alternative in line with the needs of an increasingly digital world, fully reflecting Qonto's philosophy. The synergy between Qonto and LexDo.it The agreement between Qonto and LexDo.it covers all the administrative and legal needs that every SME may face in its journey of birth, growth, and evolution, thus allowing to offer a complete professional consultancy in a simple and effective manner. Specifically, thanks to our partnership, you can benefit from a wide range of services: - The establishment of your SRL or innovative startup in just 72 hours , comfortably online up to the signing of the notary deed; - The 100% digital opening of your VAT number, for freelancers and independent professionals; - The availability of all the necessary legal support for your business at advantageous conditions. Eliminate time losses by simplifying bureaucratic complexity and choose LexDo.it for all your legal requirements! 😉 👇 Find below some useful material: Create my SRL or innovative startup Open my VAT number Request my personalized legal contract",https://help.qonto.com/en/articles/5603966-what-is-lexdo-it-and-how-does-the-partnership-with-qonto-work "How can I transfer the user role ""Account owner"" to another person?","The user role ""Account owner"" is the most powerful role in the account at Qonto and can only be assigned to one person at a time. It is equivalent to the role of a main administrator for the account. What are the conditions for changing the user role ""Account owner""? The ""Account owner"" user role must be transferred if the legal representative within the company has changed, but can also be transferred if you want to assign a different legal representative as the main administrator in the account. Only individuals with the following identification document can be assigned the role ""Account owner"": -a valid identity card or passport from the European Union, Switzerland, Liechtenstein, Norway, or Iceland -a valid machine-readable residence permit (plastic card) from Germany For security reasons, the ""Account owner"" user role change can only be carried out by our service. Specific documents are required for each legal form to verify the eligibility of the new legal representative. ⚠️ Sole Proprietors & Freelancers For sole proprietors and freelancers, transferring the user role ""Account owner"" is not applicable, as the management and company ownership are intrinsically linked to the individual of the business. Who can become the account owner and what documents are required for my legal form? Corporations and Partnerships Who can become the account owner? Current corporate officer or authorised officer Which documents are accepted? Updated commercial register extract or, Notarized document or, Court judgment GbR (Civil Law Partnership) Who can become the account owner? Current partner Which documents are accepted? Trade license of the new partner or, Current partnership agreement or, Court judgment I am no longer the legal representative of the company or there are additional legal representatives, how can I assign a new person as the ""account owner""? Contact us via chat or email at [email protected] , providing the full name and email of the new account owner, as well as the name of the company, and send us the updated company documents. The individual will then be invited by us as the new legal representative of the company for the user role ""account owner"". The individual must accept the invitation sent to them via email and verify their identity via a video identification with IDnow. If the verification is successful, they will be assigned as the new main administrator of the account with the role of ""account owner"". Done! 😊 How can I designate myself as the new legal representative with the role of ""account owner""? Contact us via chat or email at [email protected] , providing your full name as well as the name of the company, and send us the updated company documents. You will then be invited by us as the new legal representative of the company for the user role ""account owner"". You must accept the invitation sent to you via email and verify your identity via a video identification with IDnow. If your verification is successful, you will be assigned as the new main administrator of the account with the role of ""account owner"". Done! 😊",https://help.qonto.com/en/articles/9117699-how-can-i-transfer-the-user-role-account-owner-to-another-person I received an email informing me that my account will be closed in one week. Why?,"If you have recently established your company and opened a Qonto account, we need to have a copy of your Chamber of Commerce Extract in order to update the company information based on what is recorded in the Chamber of Commerce. From the date of account validation, as communicated in the emails you have received, you have 30 days to provide us with a copy of the Chamber of Commerce Extract . If you haven't had the opportunity to send it to us yet, you can do so immediately by email, forwarding it to the address [email protected] . Where can I find the Chamber of Commerce Extract for my company? If you haven't received any communications from the Chamber of Commerce in your province, we invite you to contact your accountant; they will be able to provide you with more information and details about it.",https://help.qonto.com/en/articles/8484773-i-received-an-email-informing-me-that-my-account-will-be-closed-in-one-week-why I need a certified email (PEC) and digital signature for my new company. Qonto Starter Pack,"With the Qonto Starter Pack, you get the essential digital tools to start your business quickly and easily. The complete package includes Qonto's business account with integrated electronic invoicing, certified email (PEC), and a digital signature from InfoCert , the largest European Certification Authority. By requesting the Starter Pack, you can choose the complete package or only some of the available tools: 2 months of Qonto business account for free , 100% online, intuitive, and transparent, simplifying the financial and accounting management of your clients. You can open the account even before receiving the Chamber of Commerce Extract, as soon as you have the notarized articles of incorporation; A remote digital signature provided by InfoCert, valid for 3 years. The digital signature holds the same legal value as a handwritten signature and is mandatory for online company formation ; A PEC (certified email) provided by InfoCert , a registered PEC manager in the Public List of Accredited Managers, with one year of usage included, allowing you to send certified emails with legal value equivalent to a return receipt requested letter. How can I take advantage of the Qonto Starter Pack? Request our Starter Pack by filling out the form at this link , and you will be contacted by a Qonto consultant who will guide you step by step through all the necessary steps to start your business, up to the opening of the account.",https://help.qonto.com/en/articles/6789622-i-need-a-certified-email-pec-and-digital-signature-for-my-new-company-qonto-starter-pack I have the documents signed by the notary. How can I proceed with the opening of the business account for my company?,"After finalizing the signing of the articles of incorporation and the company bylaws with the notary, you only need to send us a signed and stamped copy of these documents to our email address, [email protected] . Our team will perform a review of the documentation, and you will receive a response within the next 48 hours. What verifications does Qonto perform and why? Has the notary not yet provided you with a copy of the deed of incorporation? In the event that the notary needs to submit the original copy of the deed of incorporation to the Chamber of Commerce to finalize the creation of your company, we can also accept a notarized certification signed and stamped by the notary , clearly indicating: Date of the company's establishment; Name of the newly established company; Company address; The entire purpose of the company; Name, surname, and codice fiscale of all partners (for individuals); If the partner is a legal entity: Name, REA (Repertorio Economico Amministrativo), and codice fiscale; Percentage breakdown of corporate shares; Method of payment of the share capital; Name, surname, and codice fiscale of the administrator. 👉 By following this link , you can see an example of an accepted notarial certificate. Are there any other partners in your company besides you? If there are other partners in your company besides you, please make sure to attach a photograph of the identity documents of the beneficial owners of your company to your email. Why does Qonto need to identify the beneficial owners of my company? 💡 Ensure that the photographs of your partners' documents meet our security criteria: How to take a good photo of your ID card and driver's license",https://help.qonto.com/en/articles/8484764-i-have-the-documents-signed-by-the-notary-how-can-i-proceed-with-the-opening-of-the-business-account-for-my-company I’ve already deposited the share capital and I’m waiting the Visura Camerale: Can I open an account for my future company?,"With Qonto, you can open a business account for your company even before getting the proof of registration ( visura camerale ). If you’ve already completed the procedures for the creation of your SRL or SRLS with your notary, you just need to send us a copy of the act of incorporation (atto costitutivo) and the bylaws of the company to request the opening of your business account. Within 48 hours, we’ll verify the documents of your company being created. After that, you’ll be able to access your business account, which will become operational immediately. At this point, you’ll have 30 days to send us your proof of registration (visura camerale) . Can I transfer the share capital to the Qonto account I just opened? After sending us the act of incorporation ( atto costitutivo ) and the bylaws of your company, your business account will be enabled to receive money, and you can transfer the share capital into it. Please note that: 🟢 If you’ve deposited the share capital via transfer to the notary's account, you can request a transfer directly to your new Qonto IBAN. 🟠 If you’ve opted for the capital deposit via cash, you can use the services of our partner Mooney to transfer the cash amount to your business account. 🔴 If you’ve chosen to deposit the share capital via cashier's check, you cannot transfer the capital directly to your new account. Currently, it’s not possible to deposit checks into a Qonto account . How to send a copy of the act of incorporation for the account opening? To start the registration procedure on Qonto and request the opening of a business account for a company being created, follow this link . Enter the details of your new company, choose your future Qonto plan, and select the share capital deposit method you’ve chosen. One of our consultants will soon contact you to guide you through the next steps for the account opening.",https://help.qonto.com/en/articles/8856350-i-ve-already-deposited-the-share-capital-and-i-m-waiting-the-visura-camerale-can-i-open-an-account-for-my-future-company "I want to deposit the share capital of my new company with Qonto, what do I need to do?","If the incorporation meeting with the notary will take place in person, and you’ve decided to deposit the share capital of your company being created via transfer to Qonto , you’ll have – as future company director – a temporary account in your name at your disposal, dedicated to the share capital deposit of all shareholders . The temporary account will be available as soon as you complete your Qonto registration and your identity is verified. We will send the account details and instructions for making the deposit via email. Once the capital deposit is completed, you’ll receive the deposit statement , which you can use to schedule an appointment with your notary and complete the bureaucratic procedures to finalize your company creation. 💡 The deposit statement is a fundamental document to certify that the share capital has been effectively deposited and to finalize your company creation. This document, along with the receipts issued by the issuing bank for the individual transfers made by the company's shareholders, is necessary for signing the act of incorporation ( atto costitutivo ) with the notary. I have the documents signed by the notary, how can I proceed with the opening of my company's business account? Once the signing of the act of incorporation ( atto costitutivo ) and the bylaws of your company at the notary is completed, you just need to email us a signed and stamped copy of these documents to [email protected] . Our team will verify your documents, and will get back to you within the next 48 hours. Why does Qonto perform a regulatory check? ☝️ After verifying your company documents, we’ll release the entire amount of your share capital directly to your business account , which will become operational immediately. Are there other shareholders in your company besides yourself? Along with the act of incorporation and the bylaws, make sure to attach to your email a photo of the identity documents of your company’s beneficial owners. Why does Qonto need to identify the ultimate beneficial owners of my company? 💡 Ensure that the photos comply with our security criteria: How to take a good picture of your identity card / passport / residence permit?",https://help.qonto.com/en/articles/8484740-i-want-to-deposit-the-share-capital-of-my-new-company-with-qonto-what-do-i-need-to-do Can I open a Qonto account for my company being created?,"If you’re creating a new Società a Responsabilità Limitata (S.R.L.) or a Società a Responsabilità Limitata Semplificata (S.R.L.S.) , you can start the opening of a Qonto account dedicated to the share capital deposit and for your future company. This can be done even before receiving the proof of registration ( visura camerale ) at the Chamber of Commerce. How can I open a corporate account without the Visura Camerale? As a future company director, you can start the account opening procedure by following this link , providing the name and legal form of the company being created. 💡 Before starting the registration procedure, ensure that your business activity aligns with the activities accepted by Qonto . Ensure that you’ve already determined how to deposit the share capital. Options include: via transfer directly to Qonto before the meeting with the notary via cash, cashier's check, or transfer to the notary's account You can select the capital deposit method in the company creation dashboard from your computer. When will my business account be active? To finalize the opening of the account for your company , submit a copy of the act of incorporation ( atto costitutivo ) and bylaws signed and stamped by the notary, along with the identity documents of all the company beneficial owners . Once your documentation is verified, your Qonto account will become operational, and the share capital will be available in your account. 💡 Remember to send us the Visura Camerale of your newly created company within 30 days to avoid limitations on foreign currency transfers (SWIFT transfers). With the submission of the Visura Camerale, you can continue to use your Qonto account without any restrictions, including foreign currency transfers. How can I request legal assistance for my company creation? Through the existing partnership between Qonto and LexDo.it , Qonto customers can access legal support for the online establishment of their company , streamlining the procedure and saving time and money. For more information on the Lexdo.it service in partnership with Qonto, click here .",https://help.qonto.com/en/articles/8484687-can-i-open-a-qonto-account-for-my-company-being-created What's to consider if one or more shareholders are legal entities (companies)?,"If one of the shareholders involved in the formation of the company is a legal entity (company), its registered office must be located in one of the following countries: 🇩🇪 Germany 🇫🇷 France 🇮🇹 Italy 🇪🇸 Spain 🇱🇺Luxembourg 🇧🇪 Belgium ​ 🇳🇱 Netherlands ​ 🇬🇧 United Kingdom The legal representative of the shareholder company is responsible for the payment of the share capital and must be invited to the business account as a shareholder for this purpose. You can upload the extract from the commercial register of the shareholder company/legal entity together with the incorporation documents during the registration. ​ Important : Qonto does not accept shareholder companies that are still in the incorporation phase as shareholders, unless the companies concerned have already opened an account with Qonto. The legal representative is always indicated on the extract from the commercial register of the legal entity of the shareholder. Any legal form and activity of the legal entity is permitted with the exception of associations . Depending on the country of the company's registered office, the legal representative identifies himself in the respective extract from the commercial register as follows: ​ Land Legal representative 🇩🇪 Germany Einzelvertretungsberechtigter Geschäftsführer (Any of them if more than one exists) Geschäftsführer (any one if there are several and the company is jointly represented) 🇫🇷 France Directeur Général Président (in case that there is no Directeur Général ) 🇮🇹 Italy Amministratore Unico Legale Rappresentante ( Amministratore Unico exists) 🇪🇸 Spain Administrador Único Administrador Solidario (any of them, in case if several exist and if no Administrador Único exists) 🇱🇺 Luxembourg Administrateur (Any of them if more than one exists) 🇧🇪 Belgium Legal representative/administrator ​ Administrateur Bestuurder Director (Any of them if more than one exists) 🇳🇱 Netherlands Legal representative/administrator ​Administrateur Director (Any of them if more than one exists) 🇬🇧 United Kingdom Corporate Officer (Any of them if more than one exists) 💡Other Frequently asked questions Can any organization open a Qonto account? My company is registered, which documents do I need to open an account? What are the requirements for opening an account with Qonto for German companies in foundation? How does the account opening for German companies in formation work with Qonto?",https://help.qonto.com/en/articles/6215432-what-s-to-consider-if-one-or-more-shareholders-are-legal-entities-companies What's to consider if a shareholder is a minor?,"If one of the shareholders involved in the company formation is a minor, a capital contribution is only possible with the restrictions mentioned below: The shareholder is only invited to the business account in order to pay her/his part of the share capital, but she/he will not have access to the account. ​ There is a family court authorisation stating that the legal representative(s) authorise the minor to act as shareholder. ​ A function as future managing director of the company being formed is excluded until the minor reaches the age of majority, even if a family court authorisation exists in this respect.",https://help.qonto.com/en/articles/6215594-what-s-to-consider-if-a-shareholder-is-a-minor How to set up the shareholder structure of your business?,"When registering with Qonto, it is required that you specify all shareholders of your company. Qonto accepts both natural persons and companies (legal entities) as shareholders; in case a company holds shares in your company, this company must have its registered office in Germany, France, Spain, Italy, Luxembourg, Belgium or Netherlands and must not be an association or public corporation. Main menu After signing the contract, you will be redirected to a new window with 4 steps for the further registration process for your company in formation. The first step relates to the shareholder structure, where you can choose what type of shareholders are involved in the capital contribution - natural/physical or legal persons . ​After you have clicked on ""Add shareholder"", a new window will open in which you can add new shareholders and specify the amount of the capital contribution for each of them. Registration of a natural person as a shareholder If you select the natural person, you will be asked to specify the amount of the capital contribution for this shareholder: After confirming with ""Save"", you will be forwarded to the next step, in which the data fields for this person must be filled in and the valid ID document/proof of identity must be attached: After you have confirmed with ""Save"", you will return to the first window of the list of shareholders. You will receive confirmation (green) that your shareholder structure has been updated. Registration of a legal entity as a shareholder If you add a legal entity (company) as a shareholder, you must first specify the name of the company, the registration number and the amount of the contribution (capital contribution); After you have confirmed with ""Save"", you will be asked to specify the legal representative (a natural person) for this legal entity, with two options available: Select option 1 (marked in the image above) if you are not only the legal representative of the company in formation, but also of the shareholder company. As your data has already been saved during registration, selecting this option will automatically define the shareholder structure and you will be informed of this by a green pop-up window in the bottom right-hand corner: Select option 2 (marked in the image above) in the event that you are not the legal representative of the shareholder company and you wish to specify a third person. Then enter the personal data of the third person and upload the identification document of the alternative managing director of the shareholder company. After you have confirmed with ""Save"", you will return to the first window of the list of shareholders. You will receive confirmation (green) that your shareholder structure has been updated. Once you have entered all the shareholders of your company , confirm this in the overview Done! 🚀 You will now be taken to t he next step in the main menu, which will guide you through setting up your company ( paying in the share capital ).",https://help.qonto.com/en/articles/8497192-how-to-set-up-the-shareholder-structure-of-your-business Which commercial register document does Qonto require for german companies in formation?,"🚀 Now live - account opening with commercial register application! With the new account opening for founders, you can already fully use and activate your account at Qonto immediately with the notarised commercial register application to avoid unnecessary waiting time! ➡️ Click here to open an account for founders 👆 What should I pay attention to when applying to the commercial register? Qonto will send you the proof of your bank account with the share capital. If you indicate this during registration, we will automatically send a copy of the document to your notary. Once your notary has completed the commercial register application for you, have your notary give you a certified copy of the document. The document must be signed by the notary and have a stamp or seal. Now upload the commercial register application in the Qonto app and we can activate your account immediately! Only outgoing SWIFT payments are only possible after complete registration in the commercial register. We check for you in the background for 70 days whether your company has been fully registered and do the work for you. ❓ What information must the commercial register application contain? Company name, registered office Object of the company (business activity) Details of the persons authorised to represent the company (managing directors, authorised signatories) Representation regulations of the company Reference to the underlying articles of association with list of shareholders Details of the competent commercial register Signature of the managing director(s) Signature and stamp/seal of the notary public Example of an application to the commercial register Click here for more articles for founders and Qonto.",https://help.qonto.com/en/articles/4359583-which-commercial-register-document-does-qonto-require-for-german-companies-in-formation What should be considered in the case when a shareholder is a non-EU/EFTA national?,"If one of the shareholders involved in the company creation process is a person who is not in possession of a proof of identity (ID card, Passport) issued in a country of the EU or EFTA, a capital contribution is possible with the restrictions mentioned below: The shareholder is only invited to the business account for the payment of her/his capital deposit, but is not given access to the account. ​ The shareholder's proof of identity provided (ID card, passport) is not from one of the following countries: Afghanistan Syrian Arab Republic Bahamas Botswana Cayman Islands Democratic People's Republic of Korea (North Korea) Eritrea Ghana Iraq Islamic Republic of Iran Yemen Virgin Islands, British Virgin Islands, U.S. Cambodia Cuba Libya Macau Mongolia Myanmar Nauru Nicaragua Pakistan Palestine, State Palau Panama Russia Zimbabwe Somalia St. Kitts and Nevis Sudan South Sudan Trinidad and Tobago Uganda Vanuatu Central African Republic",https://help.qonto.com/en/articles/6236081-what-should-be-considered-in-the-case-when-a-shareholder-is-a-non-eu-efta-national Which are the general requirements for a capital deposit at Qonto?,"In order to support company founders in Germany in the best possible way, Qonto allows you to open a business account to deposit the share capital. In order to start registering your company in formation on Qonto, you first only need the signed and stamped notarial formation documents or the certificate of formation. The capital contribution is currently offered for the following legal forms: (g)GmbH i. Gr. | (non-profit) Gesellschaft mit beschränkter Haftung in Gründung (limited liability company) (g)UG i. Gr. | (non-profit) entrepreneurial company in formation To enable the capital contribution, the following basic conditions must be met: The account holder is in possession of a valid European proof of identity/passport (or a work permit for Germany). [What proof of identity does Qonto accept for your registration?] The activity/activity of the prospective company is accepted by Qonto , i.e. is not listed in the list of activities prohibited on Qonto. [Which activities are prohibited on Qonto?] The respective share of the capital contribution must be transferred from an account held in the name of the respective shareholder. The amount of the capital contribution must be fixed and the shares must be transferred by the respective shareholders exactly as provided by the constitutional documents. The payment of each shareholder's share of the capital must be made in full and immediately (unfortunately, partial payments are not possible). The contribution of each shareholder must be at least 1€ per shareholder. Non-monetary contributions (e.g. real estate, motor vehicles, etc.) are not accepted. All shareholders mentioned in the incorporation documents must be indicated during registration and will consequently be invited to the account for verification purposes. ⚠️ Important: For each shareholder, a double-sided colour copy of their proof of identity must be uploaded during registration. ​ ⚠️ Important: Before the official activation and before the full range of functions becomes available, your account can only be used for the deposit of the share capital. All other incoming payments will be automatically returned to the sender during this time. In addition to the above conditions, further conditions may be required if at least one of the shareholders involved in the formation of the company belongs to one of the following groups of persons: Legal entities/companies | What must be observed in the case of legal persons as shareholders? ​ Minors | What must be observed in the case of shareholders who are minors? ​ Persons without proof of identity from EU/EFTA countries | What must be observed in the case of shareholders originating from outside the EU/EFTA? If one of the above situations applies in your case, we recommend that you read the respective linked help article. If more than one of the above situations applies and you are still unsure whether it is possible to form a company via Qonto in your individual case, we recommend that you first read the following article: Who can participate in the share capital when founding a company through Qonto?",https://help.qonto.com/en/articles/6859142-which-are-the-general-requirements-for-a-capital-deposit-at-qonto What is to be considered regarding the shareholder structure and the capital deposit?,"During the registration it is possible to add natural person and legal entities as shareholders. There are some details that has to be considered in this process. ​ Due to regulatory requirements to minimise risk, Qonto can only accept certain shareholders when setting up a company. Minors, legal entities and persons outside EU/EFTA countries may only be accepted with restrictions. ​ In these following links, we can find the important guidelines regarding the mentioned exceptions: Minors | What must be observed in the case of shareholders who are minors? Legal entities/companies | What must be observed in the case of legal persons as shareholders? Persons without proof of identity from EU/EFTA countries | What must be observed in the case of shareholders originating from outside the EU/EFTA? When it is about the paying of the capital deposit, we have to emphasise that the emitter-name and the amount have to be the same as it is stated in the contract. ​ In case of any discrepancies the transaction will be send back to the emitter IBAN and the client will be informed about the details through an E-mail. ​ ⚠️ In case where the shareholder is a legal entity, the emitter-name should of course be the name of that company who is taking over the part of the capital deposit - that means not the name of the natural person which is representing this legal entity. ​ When all the data is correct (emitter-name and the amount) the capital deposit will be validated - which means that the client is receiving the new generated bank statement as a proof for the notary. ​ ​",https://help.qonto.com/en/articles/6376949-what-is-to-be-considered-regarding-the-shareholder-structure-and-the-capital-deposit How does the account opening for German companies in formation work with Qonto?,"You are welcome to register with Qonto and open an account even if your company is still in the start-up phase. ​ For the german market we currently offer foundation accounts exclusively for the legal forms of Gesellschaft mit beschränkter Haftung (GmbH) and Unternehmergesellschaft (UG) as well as their special non-profit forms gGmbH in Gründung and gUG in Gründung. ​ We accompany you from the registration with Qonto, through the deposit of your share capital to the final opening of the account. Registration takes place in four simple steps. ​ ​ ➡️ Click here to open an account for founders ⚙️ Step 1 - Registration One of the owners of your company starts the registration process here. Enter your company details and provide information on the beneficial owners and legal representatives. Upload the foundation documents directly during registration. The foundation documents must be signed and notarised with a stamp or seal. The list of shareholders must be signed by all shareholders. The person submitting the account application confirms his/her identity via video call with IDnow. He/she must be in possession of a valid European identity document or a work permit for Germany. If the person submitting the account application is not a legal representative of the company, a power of attorney must be filled out and signed when opening the account. ​ You can find out more about opening an account with a power of attorney here: ​ Who can open a Qonto account on behalf of my company? ⚙️ Step 2 - Deposit of the share capital All owners who have shares in the company are now added to the account by us and deposit their share capital into a separate account at Qonto. Once the full share capital has been correctly deposited, it will be transferred to a final IBAN. ⚙️ Step 3 - Trade register application You will now automatically receive proof of the final bank account with the share capital for submission to the notary. Your advantage - when registering, you can directly enter the notary's e-mail so that he or she receives a copy. ⚙️ Step 4 - Activating your account at Qonto now even easier & faster! After you have completed the commercial register application with the notary, upload the notarised commercial register application to your account. 🚀 Done! We will activate your account immediately after verification. You avoid unnecessary waiting time until the commercial register entry. ​ ​ 👉Important notes Please note that outgoing SWIFT payments are only possible after complete registration in the commercial register. Qonto will check for you in the background for 70 days whether your company has been fully registered. ​ If your company has not been registered within 90 days after activation, we unfortunately have to deactivate your account again for regulatory reasons. Click here for more articles for founders at Qonto.",https://help.qonto.com/en/articles/8009635-how-does-the-account-opening-for-german-companies-in-formation-work-with-qonto What are the frequently asked questions about capital increase?,"👉 Your questions about the modalities of the operation: Why can't funds of the increase be transferred directly to my Qonto account? Qonto is not accredited by the “ACPR” to provide a deposit certificate, therefore we will not be able to provide you this document if the subscriptions have been transferred directly into your Qonto account. In order to obtain a deposit certificate, the capital increase procedure set up by Qonto and our notaries partners must be followed. Are ""open"" funds raising accepted at Qonto ? In order to send you the IBAN of the deposit account, we first need to collect some documents, including a list of participants mentioning the amount contributed by each one. You must therefore be in possession of the requested documents before you can obtain the IBAN of the deposit account. This allows us to ensure an optimal follow-up of your application and to keep you informed if a subscriber transfers a different amount than the one announced at the beginning of the process. Can I carry out a capital increase in several installments ? Only a part of the investors are ready to transfer funds, but you want to receive the capital as soon as possible? You have the possibility of carrying out a capital increase in several installments. Each installment will allow you to obtain a deposit certificate which will mention the contributions already made. The funds of each installment can be released on the company's Qonto account, even if you have not yet obtained your updated proof of registration (synthèse INPI définitive, extrait Kbis or extrait INPI) at the Guichet unique. Once all the contributions have been made, you can present the several deposit certificates you have received to the Guichet unique in order to update the share capital of your company. ⚠ Each new installment needs to be registered as a new request for increase via our form and will be charged. What is a share premium? Should it be included in the amount of the subscription? The share premium is used to give old shares a higher value than their nominal value during a capital increase. It allows this difference to be taken into account and thus brings the value of the share into line with the current situation in the company. It is to be included in the total amount of the increase . The amount of the subscription to be transferred into the deposit account must therefore correspond to the amount of the increase + the amount of the issue premiums. How long does the procedure take ? The duration of the procedure mainly depends on your responsiveness and the one of your investors. If the participants are responsive, the procedure can be very fast. Our team commits to the following timeframes: Analysis of documents and response within 6 business hours after receiving your email; Transmission of the digital funds deposit certificate within 48 business hours after complete fund reception and, if necessary, the decision minutes for the increase; Return of funds to the Qonto current account within 48 business hours after validation of the requested proof. 👉 Your questions regarding contributions Can I deposit the subscription amount for one of my associates? No, the funds must strictly come from a personal account in the name of the individual participating in the increase. If you make the payment for one of your associates, you will be considered the participant in the capital increase, and your associate will not be mentioned on the deposit certificate. Can I make the deposit from my Qonto account? If you wish to use your company's funds to increase its capital, this corresponds to a capital increase by reserve incorporation. 💡 This type of increase does not require a funds deposit certificate and is not within Qonto's purview. We suggest you consult your accountant or legal advisor for this type of increase. Qonto is only able to assist with capital increases through cash contributions, which means funds must come from a personal account in the name of the individual subscriber or from a professional account in the name of the company for a corporate subscriber . Can the subscription payment be made from a joint account? Yes, this is entirely possible. You will simply need to provide us with the joint account agreement, which will be included in our email containing the escrow account IBAN. I cannot exceed a certain limit for my transfers. Is it possible to make multiple payments into the deposit account? You can indeed make the subscription payment in multiple installments. It is important that each transfer made contains the reference that will have been communicated to you by email beforehand. Without this reference, your transfer may be rejected due to lack of identification. Can contributions be made via SWIFT transfer? It is possible to make a SWIFT transfer for the capital increase. However, the subscriber must choose the ""OUR"" option. This option assigns all fees to the sender and ensures that we receive the intended amount. ⚠️ The amount received in the deposit account must correspond to the exact subscription amount of the participant in the capital increase. Therefore, it is essential to be very careful when converting currencies. ​",https://help.qonto.com/en/articles/6127132-what-are-the-frequently-asked-questions-about-capital-increase What are the requirements for opening an account with Qonto for German companies in foundation?,"The following requirements must be met to open an account with Qonto for your start-up company. Accepted legal form Account opening is currently supported for the following legal forms in formation: Gesellschaft mit beschränkter Haftung (GmbH i.G.) gemeinnützige Gesellschaft mit beschränkter Haftung (gGmbH i.G.) Unternehmergesellschaft (UG i.G.) gemeinnützige Unternehmergesellschaft (gUG i.G.) Registered office The registered office of the company must be in Germany. If one of the partners is a legal entity - a company - it must have its registered office in one of the following countries: Germany, France, Spain, Italy, Luxembourg or Belgium. Activity The activity of the company must comply with Qonto's guidelines and must not be one of the illicit activities. The list of activities that are not allowed at Qonto can be found here . Shareholder structure & shareholders When the company is established, the shareholder structure may consist of natural persons and legal entities. Both subjects can participate in the capital contribution, which is determined by the contract and list of shareholders. The following requirements apply to the shareholders of the company: Natural persons According to the German Civil Code (BGB), every person is a natural person with legal personality. They require valid proof of identity in the case of emancipated minor shareholders, a court judgment signed by a judge is required for non-emancipated minors, at least one parent must also be a shareholder and a certificate signed by the parents with custody must be provided Legal persons A legal person is an association of persons or a fund which is itself the bearer of rights and obligations and has its own legal capacity. A distinction is made between partnerships (OHG, KG), corporations (AG, GmbH, UG) and public corporations. Qonto does not accept public corporations as shareholders. If one of the shareholders is a legal entity, it must have its registered office in one of the following countries: Germany, France, Spain, Italy, Luxembourg or Belgium. Share capital The paid-up share capital, the shareholders and the distribution must correspond to the information in the notarial formation documents (the issuer name and the amount). The share capital must be at least EUR 1.00 in the case of an entrepreneurial company. The share capital must be at least EUR 25,000.00 for a limited liability company. It is possible to start with a share capital of at least EUR 12,500.00, which is topped up. ​ Do you meet all the necessary requirements? Let's go! Click on this link to start your account opening at Qonto! 🚀 We look forward to welcoming you as a customer! ​ 💡Other frequently asked questions Who can open a business account with Qonto? What documents do I need to open an account?",https://help.qonto.com/en/articles/8428498-what-are-the-requirements-for-opening-an-account-with-qonto-for-german-companies-in-foundation What are the sources of funds rejected by Qonto for capital increases?,"At Qonto, we are committed to supporting our clients in their financial steps while adhering to the strictest security and compliance standards. ​ Conditions for acceptance of funds for capital increase When a company considers increasing its capital, it is crucial to ensure that the injected funds meet our acceptability criteria. We take these measures to ensure compliance with current regulations and maintain the security of our financial ecosystem. ​ Limitations on the origin of funds If a contributor to the capital increase plans to make a contribution from a bank account whose ISO 3 code appears on our exclusion list, we will unfortunately not be able to accept this contribution. ​ 💡 Alternative Solution: We recommend that the concerned subscribers consider transferring funds from an alternative bank account, in the name of the entity participating in the capital increase, which is not subject to these restrictions. ​ List of rejected sources of funds CONTINENTS COUNTRIES ISO CODE 3 Africa Botswana, Burundi, Congo, Eritrea, Libya, Uganda, Central African Republic, Somalia, Sudan, South Sudan, Chad, Zimbabwe BWA, BDI, COD, ERI, LBY, UGA, CAF, SOM, SDN, SSD, TCD, ZWE Asia Afghanistan, Azerbaijan, Korea, Iran, Iraq, Kyrgyzstan, Macao, Mongolia, Myanmar, Pakistan, Palestine, Philippines, Syria, Yemen AFG, AZE, PRK, IRN, IRQ, KGZ, MAC, MNG, MMR, PAK, PSE, PHL, SYR, YEM Europe Belarus, Russia BLR, RUS North America Anguilla, Bahamas, Cuba, Cayman Islands, British Virgin Islands, United States Virgin Islands, Nicaragua, Panama, Saint Kitts and Nevis, Trinidad and Tobago AIA, BHS, CUB, CYM, VGB, VIR, NIC, PAN, KNA, TTO South America Venezuela VEN Oceania Nauru, Vanuatu NRU, VUT Why are some sources of funds refused? The decision to refuse funds from certain countries or entities is not taken lightly. It is based on regulatory compliance considerations, anti-money laundering and counter-terrorism financing efforts. By adhering to these principles, Qonto ensures a secure environment for all its clients' financial transactions.",https://help.qonto.com/en/articles/6127168-what-are-the-sources-of-funds-rejected-by-qonto-for-capital-increases How to do a capital increase at Qonto ?,"Prepare your capital increase with Qonto When considering a fundraising round (Series A, B, C, etc.) or a capitalization operation for your company, Qonto is by your side to streamline this process. We guide you through obtaining your funds deposit certificate within just 48 business hours after fund transfer, thanks to our fast and efficient service 🚀. Procedure for opening an escrow account Our team takes care of opening an escrow account with a partner notary. This account is intended to receive various subscriptions before issuing the certificate and transferring the funds to your Qonto current account. ​ ⚠️ Important : Funds intended for the capital increase must not be deposited directly into your Qonto account. What are the conditions for a capital increase? To benefit from our support, your company must meet the following conditions: Be registered in France and have an active Qonto account; ​ Carry out a capital increase through a cash contribution with full release of shares*; ​ Each amount transferred to the escrow account must comply with the sources of funds accepted by Qonto. ⚠️ Qonto reserves the right to refuse any transfer from individual accounts such as Lydia, Sumup, or Nickel. * Note : Capital increases through reserve incorporation (use of company's own funds), debt offsetting (contribution of debt in exchange for shares or equity), in-kind contribution (contribution of assets in exchange for shares), as well as contributions via BSA and BSA AIR are not supported by Qonto . How to submit a capital increase request? Your request must be completed through our online form, which is the first step of the process. You can fill out your request by clicking the button below: Make a request If your request is accepted, you will receive an email listing all the necessary documents for opening the escrow account. 💡 For more information on the next steps in the process, visit our page: The different steps of the capital increase . What are the fees associated with the service? Fees vary depending on the total amount of the increase, the number of participants, and the source of funds :  ​ Classic projects : capital increase below 1.2 million euros for a maximum of 15 shareholders, with funds exclusively from French bank accounts => €150 excl. VAT . ​ International projects : capital increase below 1.2 million euros for a maximum of 15 shareholders, with funds from international bank accounts => €250 excl. VAT . ​ Expert projects : capital increase between 1.2 and 5 million euros and/or for 15 to 30 shareholders, with funds from French or international bank accounts => €300 excl. VAT . 💡 These fees will be deducted directly from your Qonto current account when requesting the funds return. ​ What do these fees cover? Qonto's capital increase service includes the opening of the escrow account, fund deposition, obtaining a deposit certificate, and capital return. You benefit from the assistance of a dedicated advisor throughout the process. ​ ⚠️ Note: We do not provide support for legal formalities, which remain your responsibility. We recommend contacting your legal advisor for more information on administrative procedures and associated fees. How to contact our team? For any questions regarding the capital increase, our team is available via email at [email protected] , from 9:00 am to 6:00 pm, Monday to Friday. ​ We kindly ask you to use this address only for matters concerning the capital increase.",https://help.qonto.com/en/articles/4359542-how-to-do-a-capital-increase-at-qonto What are the different steps of capital increase at Qonto ?,"Qonto guides you step by step in obtaining a funds deposit certificate as part of a capital increase through a cash contribution. Step 1: Submit your capital increase request To initiate your capital increase request, start by clicking the button below: ​ Submit my request ☝️ Before submitting your request , make sure you meet all the required conditions to be eligible for this service. ​ Step 2: Receive the list of required documents Once your request is accepted, you will receive an email within minutes containing a complete list of documents required for opening the escrow account. ​ 💡 Tip : Don't forget to check your spam folder in case our email ends up there. ​ Step 3: Provide the requested documents Send us all the requested documents in response to our email. ​ 💡 Note : A dedicated advisor will be assigned to you upon receipt of your documents. They will guide you through to the return of funds to your company's Qonto account. ​ Step 4: Receive the escrow account IBAN Your advisor will analyze your documents within 6 business hours upon receiving your email. If your file is complete, you will receive the escrow account details along with instructions for fund transfer 🚀. ​ 💡 Good to know : Participants in the capital increase can make their contribution via instant transfer. ​ Step 5: Track the progress of fund reception We will inform you of fund arrivals via email or through a tracking file, depending on the number of participants in the increase. ​ ⚠️ Important : We do not have direct visibility on the escrow account, which may result in delays in updating the tracking file. ​ Step 6: Receive your deposit certificate The deposit certificate will be sent to you by email within 48 business hours after complete fund reception and, if necessary, the decision minutes for the increase. ​ Step 7: Provide proof of fund release Submit proof of capital increase completion: a sworn statement or an observation minutes, depending on the operation's modalities. ​ 💡 For your information : The sworn statement to be completed will be sent to you with the deposit certificate, while the observation minutes will be required for capital increases equal to or exceeding €50,000, involving more than 15 participants, or with subscriptions paid from foreign bank accounts. ​ Step 8: Receive your funds Your funds will be released to your Qonto current account within 72 business hours after validation of the requested proof. ​ Step 9: Complete legal formalities The capital increase must be registered with "" guichet des formalités des entreprises"" , including the deposit certificate provided by Qonto. ​ 💡 Please note : Qonto's capital increase service does not cover legal procedures, which remain your responsibility. 👉 Do you need more information ? All the answers to your questions about the capital increase are here !",https://help.qonto.com/en/articles/6127094-what-are-the-different-steps-of-capital-increase-at-qonto Which proof of incorporation are accepted by Qonto?,"Congratulations, you have deposited your share capital on Qonto and finalized the application for registering of your company on the Guichet unique . All you have to do now is provide us with your proof of incorporation. Which proof of incorporation are accepted on Qonto? To facilitate the opening of your account, Qonto now accepts three documents proving the incorporation of your company: The definitive Guichet Unique synthesis (or definitive INPI synthesis) You can get it for free from the Guichet unique. The document must indicate ""Formalité validée"" to be accepted. ​ ❌ Don't mix it up with the ""Synthèse de dépôt"" which is a recap of your ongoing registration deposit, not a proof of incorporation. ​ The definitive Kbis extract Document provided by the Registry of the Commercial Court on which you depend. You will receive it as soon as the incorporation is completed in digital format and by post a few days later. The digital document is also available on Infogreffe (paying service) and Monidenum (free service for company owners) platforms. ​ ❌ Don't mix it up with the temporary Kbis which does not contain your company incorportion number (RCS). ​ The INPI extract Accessible free of charge for all companies from the platforms pappers.fr , data.inpi or the annuaire des entreprises . ☝️ The following documents will not allow the opening of your account: An Avis de situation au répertoire SIRENE (Avis INSEE) A Synthèse de dépôt INPI (this is a simple summary of your current procedure) A Synthèse des bénéficiaires effectifs - Version définitive - Formalité validée (this document only list ultimate beneficial owners) A provisional Kbis (whose registration number is ""en cours d’attribution"") An extract from Chambre des Métiers et de l’Artisanat An URSAFF registration certificate A document from the Public Finances or memento fiscal How to send us your proof of incorporation? Send us your document by uploading it on your Qonto interface. ☝️ If you want to request a change on the deposit certificate, don't upload it or bylaws instead of the proof of incorporation. Use this form . What are the next steps? Once your SIREN number is recognized by legal databases, your account will be validated and activated! 💡 Remember to download your final RIB and share it. The request to release your capital will be sent to the notary at the same time. The funds will be credited to your Qonto account within 72 business hours. Discover the features of your account and order your Qonto card now.",https://help.qonto.com/en/articles/7003907-which-proof-of-incorporation-are-accepted-by-qonto What is an ultimate beneficial owner ?,"Before we can successfully take care of your capital deposit and help you develop your company, we need to know you a little better! Therefore, we need you to register all the ultimate beneficial owners of your business. Don’t panic! Although this term may seem daunting, it’s really quite simple. First things first, a definition. A beneficial owner is a natural person who: Either owns more than 25% of the capital or voting rights Or has controlling power over the company 💡 For each ultimate beneficial owner, we need their date/place of birth and a copy of their ID. To sum up, we need their: First name Surname Date of birth City of birth Country of birth Zip code of birth Country of residence Nationality If you’re reading this, that means you’re a natural person. From now on, corporate entities can also deposit capital with Qonto! To find out more about corporate entities , keep reading . To learn how 100% online capital deposits work, click here .",https://help.qonto.com/en/articles/5231579-what-is-an-ultimate-beneficial-owner What are the required documents to do a capital increase with Qonto?,"Once your capital increase request is submitted through our online form , you will receive an email notification detailing all the necessary documents to obtain the escrow account details. ​ This account is essential for the subscription deposits during the capital increase. ​ ⚠️ Please note : This procedure applies to capital increases of less than 5 million euros. For amounts higher than this, we invite you to contact us directly at [email protected] . ​ To optimize your time, we advise you to gather the following documents before submitting your request: ​ Documents related to the company undergoing the increase: The signed current articles of association of the company, indicating the share capital before the increase, as shown on the registration certificate; ​ A recent registration certificate (less than 3 months old), such as a final INPI summary, an extract from the Commercial Court Registry (Kbis), or an INPI extract; ​ The complete list of participants in the capital increase, including name, surname, or company name, as well as the exact subscription amount for each participant; ​ The minutes of the decision to increase capital (required if the increase exceeds €50,000 and/or involves more than 15 participants and/or involves international funds). Documents for individual participants: A valid copy of their ID (front and back of ID card or passport). Documents for French corporate participants: A recent registration certificate (less than 3 months old), such as a final INPI summary, an extract from the Commercial Court Registry (Kbis), or an INPI extract. 💡 If the participant is an investment fund, please provide the AMF (French Financial Markets Authority) extract of the fund and its regulations. Documents for foreign corporate participants: A registration certificate of the company, in original version and translated into English. 💡 Here are examples of registration certificates accepted by Qonto, categorized by country: Countries Proof of registration equivalent Argentina 🇦🇷 Request the company’s identity document to the company Registry of Argentina Austria 🇦🇹 Request the Vereinsregisterauszug extract Australia 🇦🇺 Request the certified document of ASIC “ Australian Securities and Investments Commission “ containing ABN “ Australian Business Number“ or ACN “ Australian Company Number ” Belgium 🇧🇪 Request the BCE “ Banque-Carrefour des Entreprises ” extract Brasil 🇧🇷 Request the company’s identity document to CNPJ : “ Cadastro Nacional da Pessoa Jurídica “ Croatia 🇭🇷 Request the company’s identity document to the Croatian company Registry Czechia 🇨🇿 Request the company’s identity document to the “ MPSV : Ministerstvo Práce a Sociálních Vìcí ” Danmark 🇩🇰 Request the “ Erhvervsstyrelsen “ extract Estonia 🇪🇪 Request the company’s identity document to the Estonian company Registry Finland 🇫🇮 Request the company’s identity document to the Finnish company Registry Germany 🇩🇪 Request the ” Eintragungsnachweis ( des Handelsregisters )“ extract Greece 🇬🇷 Request the company’s identity document to “ GEMI : Geniko Emboriko Mitroo-G.Ε.ΜH “ Hungary 🇭🇺 Request the company’s identity document to the Hungarian company Registry Iceland 🇮🇸 Request the company’s identity document to the company Registry of Iceland India 🇮🇳 Request the “ Certificate of Incorporation of India ” Ireland 🇮🇪 Request the “ Certificate of incorporation ” Italy 🇮🇹 Request the “ Certificato di iscrizione nella sezione ordinaria ” Japan 🇯🇵 Request the “ Certificate of Incorporation of Japan ” Luxembourg 🇱🇺 Request the “ Extract from the Luxembourg Trade and Companies Register ” Netherlands 🇳🇱 Request the “ Verklaring omtrent de hoedanigheid van belastingplichtige ” Norway 🇳🇴 Request the company’s identity document to “ Brønnøysundregistrene “ Northern Ireland 🇬🇧 Request the company’s identity document to “ CRO (Companies Registration Office) ” Poland 🇵🇱 Request the company’s identity document to “ KRAJOWY REJESTR SADOWY ” Portugal 🇵🇹 Request the “ Certidão do Registo Comercial ” Romania 🇷🇴 Request the “ Certificat de Inregistrare “ Slovakia 🇸🇰 Request the company’s identity document to the Slovakian company Registry Slovenia 🇸🇮 Request the company’s identity document to the Slovenian company Registry Spain 🇪🇸 Request the “ Escrituras de constitución ” Sweden 🇸🇪 Request the company’s identity document to the “ RegistreringsBevis ” Switzerland 🇨🇭 Request the Certificate of incorporation or “ HANDELSREGISTERAMT “ United Kingdom 🇬🇧 Request the “ Certificate of incorporation ” USA 🇺🇸 Request the “ Certificate of Good Standing ” Reunion Island, French southern territories, Guadeloupe, Martinique, New-Caledonia 🇫🇷 Request the proof of registration (synthèse INPI définitive, extrait Kbis or extrait INPI) This comprehensive list will assist you in preparing all the required documents accurately, thereby facilitating the capital increase process and enabling faster processing of your request with Qonto.",https://help.qonto.com/en/articles/8911836-what-are-the-required-documents-to-do-a-capital-increase-with-qonto How to register your business with the Guichet Unique?,"Once you have obtained your certificate of deposit through Qonto, you can begin your registration on the Guichet unique website . Step 1: Your registration The first step is to create your account on the portal . After creating your login and password, simply log in and click on "" Deposer une formalité d’entreprise "". Then you access your dashboard with different options for filing business formalities. Simply select the one that suits your needs. To register your company, you must press the button on the left ""Créer une entreprise"": Step 2: Information about your future business Once you have chosen the section that applies to you, you will be redirected to an application form to be completed online. You must then choose the form under which your activity will be carried out: individual entrepreneur (natural person) ; legal entity (companies, groups or associations); joint operation (several individuals or legal entities are associated). Depending on your choice, you will be asked questions (about the legal form of your company, about your activity, etc.). The answers will determine to which competent authority your file will be sent. Once this step is completed, you begin the registration process by following the steps below: Identity of the business : you are asked to complete the company name, the corporate purpose and the address of your company; Legal publications : this is where you should fill in the information about your company's legal notice Composition : you must provide the complete list of the company's shareholders (legal person(s) and/or physical person(s) if necessary); Establishments : you must provide the details of your company's address (trade name, sign, number of employees, etc.); Ultimate beneficiaries : you will to explain the identity of the true owners of the company Tax options : you are asked to indicate the information concerning the company's profit tax system, as well as the VAT system. Make sure you fill in all the required fields and provide all the documents requested. Step 3: Supporting documents to be provided In the Attachments section, you must submit : the identity documents of each partner ; the power of attorney given to the proxy (if the registration is made by a third party); the proof of address of your company; the deposit certificate (with Qonto, you can deposit your capital in a single transfer and receive your certificate of deposit in digital form within 12 business hours); a copy of your bylaws; and any other documents needed for your registration (e.g., the report of the contribution auditor). 👉 In case of a contribution in kind, you will be asked to bring the documentation related to the valuation. For more information on contributions in kind, follow this link . Finally, the Summary section allows you to check your file one last time before submitting it for registration. ☝️ Your file must be imperatively complete to avoid rejection. 📌 Just after you submitted the request to Guichet Unique , you will obtain a synthesis of deposit. This document is just a recap of the case and not a proof of incorporation. Read about it: Which proof of incorporation are accepted by Qonto?",https://help.qonto.com/en/articles/6881736-how-to-register-your-business-with-the-guichet-unique How to re-issue the deposit certificate ?,"The re-issue of a deposit certificate occurs when a change is made to the company's information during the creation process. How do I request a certificate amendment? You can fill in your request directly by clicking on the button below : Change information on your deposit certificate Our dedicated team will analyze your request and get back to you within a few minutes to take the next steps. You can request the following changes to your certificate: Change the surname/first name of one of the shareholders you can contact us directly via the form . Change your address and legal form We need your updated bylaws Change your company name We need your updated bylaws and a declaration of honor for the change of name (available at the bottom of this page) Change your capital amount We need your updated bylaws, your personal IBAN (if it is a capital decrease) and/or an additional transfer to the deposit account (if it is a capital increase). ⚠️ Deposit accounts are closed at this stage. **It is therefore important to initiate the change request before making the complementary transfer, **otherwise we will not be able to receive the transfer. Replace an expired certificate Nothing needed, you can contact us directly via the form . Please note: Any changes to the list of subscribers after the funds have been received will result in the closure of your account. We will reimburse you for the costs incurred and assist you with your new registration. These procedures involve the re-issuing of your certificate by the notary. An additional time is necessary to make the changes: you will receive your new certificate reissue within a few days. 🕚 🚨 Be sure to communicate the final information: the notary will only be able to reissue your certificate of deposit twice. What happens after I submit my amendment request? Once you have submitted your amendment request, you will receive a new deposit request to sign from a computer. 💡 Please disregard the ""File your share capital"" page, go directly to the next step. After your signature, 2 versions of your modified certificate will be available: Digital deposit certificate : the notary will send it to you by email within 48 working hours. This version allows you to register online on the Guichet unique . Original deposit certificate : This will be sent to you by post, within 7 working days at your home address. Declaration of honor for the change of company name ( remember to select the notary listed on your certificate ): Attachment icon Carnot Associés - Attestation transfert changement dénomination.pdf Attachment icon Quentin Fourez - Attestation transfert changement dénomination .pdf Attachment icon Vincennes MB Notaires - Attestation transfert changement dénomination.pdf",https://help.qonto.com/en/articles/7947087-how-to-re-issue-the-deposit-certificate What is a deposit certificate?,"What kind of document is a deposit certificate? The deposit certificate is a document that certifies the cash contributions deposited when a company is incorporated. With Qonto you can get your certificate of deposit : In digital format 💻 within 12 business hours ( downloadable from your Qonto interface ) In paper format ✉️ within 5 working days to the personal address of the account owner This document is necessary for the registration of your company on the Guichet unique website . What information is mentioned on the deposit certificate? The certificate of deposit of funds, in order to be valid, must contain the following mandatory information: The name of the company The legal form of the company The address of the registered office of the company The identity and distributions of the cash contributors The validity period of the certificate (6 months from the date of signature by the notary) ⚠️ The signature date of the bylaws must be after the signature date of the certificate. Why the deposit certificate is not certifying my full capital amount? The deposit certificate only mentions the cash contributions made by each partner at the time of incorporation. ​ In-kind contributors (property, premises, etc.) are mentioned in the bylaws. 💡 The certificate of deposit of funds should not be confused with the list of subscribers. What is the list of subscribers? The list of subscribers is a mandatory document for the registration of an SAS/SASU. It is not required for SARL/EURL. It lists the shareholders who make contributions to the capital, the nature of the contributions (in cash or in kind), the amounts of these contributions, and the number of shares received in return. This document is not provided by Qonto. It is a document related to your articles of association and is typically provided by the drafter of the articles. ​ You will find an example template attached to this article ⚠️ Be careful! A deposit certificate is not the same as a bank guarantee certificate. Qonto does not issue a bank certificate, as Qonto is not a bank but a payment institution, and the certificate is/will be signed by a partner notary. Attachment icon Liste des souscripteurs.pdf",https://help.qonto.com/en/articles/7947024-what-is-a-deposit-certificate How to do a capital deposit with a variable capital ?,"📌 *Before registering, please read our conditions of eligibility for the capital deposit service .* Variable capital is the opposite of the fixed capital found in most company creations with Qonto. It allows the share capital to be increased or decreased without having to amend the bylaws, which can be particularly useful during the life of a company. It is therefore possible to start the company's activity with less capital and gradually increase it. ℹ️ Please note that variable capital and partial release are not compatible. Variable capital in short For example, let's take the case of a capital increase in a SARL with variable capital, whose subscribed capital is 5,000 euros. The minimum capital is 500 euros and the maximum capital is 10,000 euros. If the SARL decides to increase its share capital to 8,000 euros, no fees or formalities are required. However, if the SARL decides to increase its share capital to 12,000 euros, it will be necessary to file a capital increase request . How to proceed? The company's bylaws must include a clause allowing the company's capital to vary. This allows the capital to vary flexibly within set limits. Three parts should be mentioned: - Subscribed/initial capital : corresponds to the amount deposited by the shareholder(s). - The ""minimum"" share capital or floor : corresponds to the amount below which associates may not go (⚠ it may not be less than 10% of the subscribed/initial share capital). - The ""maximum"" share capital or ceiling : corresponds to the maximum amount. In the case of contributions in excess of €100,000, additional documents may be requested by our team. 💡 Good to know It may be worthwhile to opt for an SAS with variable capital when starting up a business. For more information, see our blog article .",https://help.qonto.com/en/articles/8632184-how-to-do-a-capital-deposit-with-a-variable-capital How to proceed to capital deposit in France with in-kind contributions?,"📌 Before signing up, please review our eligibility requirements for the capital deposit service In the context of company creation , it's possible to build the share capital through various types of contributions . With in-kind contributions , the partner can provide a wide range of tangible or intangible assets , such as real estate, equipment, shares, patents, etc. A business goodwill is also considered an in-kind contribution. 💡 Even if your situation might be approved by the French administration for your incorporation, Qonto has some acceptance conditions. What are Qonto's conditions regarding in-kind contributions? Qonto accepts in-kind contributions only for the following legal forms: SARL, EURL, SAS, and SASU . Qonto accepts in-kind contributions only if they complement a cash contribution. The list of tangible or intangible assets must be explicit in your bylaws! Qonto accepts contributions that have been certified by a contributions referee . Qonto can accept contributions that haven't been externally certified, only if: → The individual value of each asset doesn't exceed 30 000 euros . → The total value of in-kind contributions doesn't exceed half of the share capital . → Supporting documents are provided. 💡 In the case of in-kind contributions, the supporting documents will be requested outside the registration process, during the analysis of your application by Qonto. What documents are requested? For contributions not certified by a report from an external contribution's appraiser, you can provide, for example: For a vehicle: the vehicle registration under your name and/or a transfer certificate and/or an invoice if available. For equipment (furniture, IT equipment, industrial machines, tools) : an invoice under your name or the company's name. Shares of a company: the company's bylaws (if the company is less than a year old) or the latest balance sheet or tax return. For a business goodwill: a transfer certificate or a business goodwill attestation. For a commercial space: a notarized purchase deed. For a trade name or a trademark: a proof from the INPI ( French National Institute of Industrial Property). ☝️ The verification of those documents is to confirm the ownership and estimate the current value of the asset indicated in your bylaws. Therefore, it's crucial for the documents to be consistent. ✌️ Certain types of contributions, like intangibles assets, might require a deeper analysis. We may contact you for more information.",https://help.qonto.com/en/articles/7188272-how-to-proceed-to-capital-deposit-in-france-with-in-kind-contributions How to proceed to a partial release of your capital ?,"How does partial release work? When depositing capital, Qonto offers you the choice of depositing all or part of your capital. ℹ️ Please note that partial release and variable capital are not compatible. Here are the steps you need to take: Prepare your bylaws, clearly indicating the amount you wish to liberate at the subscription of the capital deposit (as well as the breakdown of capital by associates). Once you have obtained your deposit certificate, you can proceed to register your company via the guichet unique . Once your company has been registered, you have 5 years to deposit the remainder of your capital in your company’s account. More information about the 5 years delay In the case of a partial release, the maximum legal period for proceeding to your full release is 5 years from the anniversary date of your capital deposit (registration). 💡 You have the option of liberating the capital in several parts within this 5-year period. There is no limit to the number of times and parts you can proceed to deposit. We also invite you to find out about the conditions for qualifying for the reduced rate of corporation tax . See the following link for more information: b) al.2 of article 219 du code général des impôts The amount of the partial release varies depending on the legal form of the company: SARL, EURL The associates are obliged to deposit at least a minimum of 20% of the total amount of cash contributions at subscription. SA, SAS, SASU The partners have to deposit at least 50% of the total amount of cash contributions at subscription. SNC There is no minimum amount to be paid up at the at subscription. The customer is free to choose the amount. SCI, SELARL, SELAS Partial payment is not possible for these legal forms ❌ ⚠ The initial amount deposited and its distribution amongst the associates must be specified in your bylaws . Example of breakdown: If your company has 2 partners 👥, share capital of 1000 EUR, 50% deposited, i.e. 500 EUR (SAS) on formation. You will need to indicate the breakdown in partially released capital (EUR per associate): Partner 1 👨 → to deposit 340 EUR (out of 500 EUR). Partner 2 🧔‍♀️ → to deposit 160 EUR (out of 500 EUR). Conditions for releasing the remainder of your capital with Qonto The issue of a deposit certificate is reserved for customers creating a company with Qonto. If you did not make your initial capital deposit with our services, don't worry, you can still release the remainder of your capital with Qonto. However, you will not receive a certificate of deposit for this transaction. All you have to do is transfer the funds to your Qonto account with a clear label. Your account statement will then serve as proof of your release. 💡 The capital increase offered at Qonto is not available to partially released customers until the capital has been fully released .",https://help.qonto.com/en/articles/7990551-how-to-proceed-to-a-partial-release-of-your-capital What types of contributions are accepted for french capital deposit?,"What are contributions to the share capital of a company? 🤔 Contributions refer to the resources that the partners of a company decide to bring during its creation or during a subsequent capital increase. In return, each partner receives shares/stocks proportionately to the value of their contribution. 💡 Certain legal forms do not require share capital and therefore do not necessitate capital deposit. This is the case for sole entrepreneurs and independent professional practices, for instance. These contributions can take different forms: Cash Contributions: This involves the contribution of liquid money. Shareholders contribute financially by depositing a sum of money into the company's capital. In-Kind Contributions: These contributions consist of providing tangible or intangible assets, such as real estate, equipment, vehicles, shares, patents, etc. A business's goodwill is also considered a non-cash contribution. Contributions of Expertise: In some cases, shareholders can contribute their skills, expertise, or know-how to the company. And at Qonto? In the context of a capital deposit at Qonto, we can handle company creation projects with cash contributions alone or with a combination of cash and in-kind contributions. ✌️ 💶 Cash Contributions: Qonto accepts cash contributions, whether in the context of partial or total capital release during incorporation. Deposit can only be made through bank transfers. For more information, here's our dedicated article on cash contributions deposit . 🏭 In-Kind Contributions: Qonto accepts in-kind contributions for SARL, EURL, SAS, and SASU entities, only if they complement a cash contribution. We support all contributions that have been evaluated by a contribution appraiser . For contributions that have not undergone external evaluation of their value, we can accept them under the following conditions: → The individual value of each asset does not exceed 30,000 euros. → The total value of in-kind contributions does not exceed half of the share capital. → Each is accompanied by a supporting document. For more information, here's our dedicated article on in-kind contributions . 💡 Contributions of expertise can be accepted if they do not constitute a part of your share capital.",https://help.qonto.com/en/articles/4359539-what-types-of-contributions-are-accepted-for-french-capital-deposit What are the rules for the transfer of your cash contributions ?,"Note: this article only applies to French company creation. 🇫🇷 📌 Before you sign up, check out our eligibility requirements for the capital deposit. ℹ️ Each associate receives his deposit IBAN by email. A deposit account, temporary and nominative , is assigned to each associate. The associate in charge of the register can also retrieve the IBANs and track the progress of the payments on the Qonto interface. Below you will find our conditions : The payment of contributions is only possible by bank transfer. SEPA , Instant SEPA and SWIFT transfers are accepted. ✅ However, there is a list of countries from which SWIFT transfers are not accepted. 🔍 A natural person associate (individual) must pay his contribution from his personal account, except for minors. An associate who is a legal entity (company) must pay his contribution from his business account. It is not possible for an associate (individual or legal entity) to have the payment of his contribution made by another person or company. ⚠️ The payment of an associate's contribution can be made in several transfers and from his different accounts. Transfers from a Lydia, Paypal, Xoom, Western Union or other electronic payment service are not accepted ❌ Virement Spécifique Orienté Trésorerie (VSOT) are automatically rejected. ❌ Good to know 💡 Prefer the Instant SEPA Transfer ⚡️ The transmission of classic transfers by banks is not ensured on weekends and holidays. In addition, the reception time of a SEPA transfer is 1 to 2 working days and that of a SWIFT transfer is 5 working days. Only the SEPA Instant network operates 24/7/365 and ensures receipt within minutes! 💜 Don't mix up immediate transfers with instant transfers! Immediate means ""as soon as possible"" as opposed to delayed transfers. Instant means ""sent via the SEPA Instant network"", if the recipient's bank is compatible. Some banks charge a fee for this. If you make your transfer : From a joint account , you will probably be asked for the RIB of the account showing the full name of the partner. You can send it in advance on [email protected] From a PEA / PEA-PME account , you will be asked to provide proof of the subscription request to your bank. You can send them in advance to [email protected] On the deposit account of another partner , Qonto will be able to rectify the situation without asking you for a new payment. If the amount transferred is higher than expected , the excess will be returned to the issuing account. On a closed deposit account , the transfer will be automatically rejected and returned to the sender within 5 business days.",https://help.qonto.com/en/articles/4359532-what-are-the-rules-for-the-transfer-of-your-cash-contributions How to trademark and use my company logo?,"📌 How to check if your logo is already trademarked? When creating your logo, to protect yourself but also to ensure that you do not infringe rights already attributed to a third party, a verification stage is essential . There are three cumulative conditions for protecting a logo under trademark law: the logo must be distinctive , lawful and available to constitute a valid trademark. Distinctive : The logo is often made up of several figurative and/or verbal elements. Not all of them necessarily need to be distinctive when taken in isolation. Lawful : The registered logo must not offend public decency, public order or be composed of a sign whose use is legally prohibited or regulated (this is the case, for example, with flags, coats of arms, state emblems, Olympic emblems, etc.). Available : The logo must not be identical or similar to a sign previously used or registered for identical or similar goods or services: Identical search: this enables the owner of the registration application to find out about trademarks, company names and domain names that are strictly identical to the sign they wish to register. Similarity search: this enables the existence of similarities to be highlighted. Before you start the formalities for registering your logo, you can check its availability using official databases: For France 🇫🇷, you can use the database of the Institut national de la propriété industrielle ( INPI ) For Europe 🇪🇺, you can use the database of the Office of the European Union for Intellectual Property ( EUIPO ) These databases list all trademarks published and/or registered in France and Europe. 📌 How to register your logo? Competent institutions At national level, logo protection under trademark law requires the completion of registration formalities. The procedure can be carried out at several levels: Registration of the trademark property right may be carried out directly with the relevant national institutions . In France, this is the Institut national de la propriété industrielle (INPI) In Germany, this is the Deutsches Patent und Markenamt (DPMA) In Spain, this is the Oficina Espanola de Patentes y Marcas In Italy, this is the Ministero delle Imprese e del Made in Italy In the European territory , you can obtain protection for the whole territory. To do this, you need to apply directly to the European Union Intellectual Property Office (EUIPO). Once obtained, this property right is automatically valid throughout the 27 Member States for a renewable period of 10 years from the date of registration. The registration procedure Once the application has been filed with the relevant institutions, a preliminary examination stage begins: For example, in France, the INPI examines your application and may issue observations or objections. An opposition allows the owner of a prior right to oppose the registration of your trademark if they consider that it infringes their rights. Observation allows you to draw the INPI's attention to the fact that the trademark is not valid, for example, under other regulations, such as those protecting Geographical Indications. Anyone concerned can make observations. If there is no opposition, INPI publishes the registration in the Bulletin Officiel de la Propriété Industrielle (BOPI). You will then receive a certificate stating that your trademark has been registered. Caution: It is advisable to reread the registration certificate and report any errors to INPI as soon as possible. Scope of the trademark rights Trademark protection will be granted for the logo as registered, for the goods and services referred to at the time of registration ("" principle of specialty "") and for the territory or territories in which it was registered ("" principle of territoriality "") . Principle of specialty When filing and examining a trademark, the NICE Classification is useful. You should therefore pay particular attention to it. To help you draw it up, you will find below for each class of the classification an overview of the titles of the goods and services which are related to it ( NICE Classification ). Example: if the Lacoste trademark is used by a third party to market musical instruments. As class 15 relating to musical instruments had not been selected at the time of filing by Lacoste (known for its ready-to-wear clothing), the company would not benefit from protection. There is no likelihood of confusion between the two marks. The use of the mark cannot be contested. Principle of territoriality In principle, the protection is national. This means that a trademark protected by a national institution will only have effect in the territory concerned. Conversely, the protection will have no effect in other territories. Finally, by analogy, registration with the European authorities/international bodies will have effect in their respective jurisdictions. Registering a trademark gives you exclusive rights to distinctive signs - such as names, logos, colors, images, patterns, shapes, packaging or sounds - that characterize your products and differentiate them from other goods or services. In most countries, trademarks are protected for 10 years. The cost of trademark registration formalities There is a cost involved in registering a trademark. At national level, here are useful links: In France → ( INPI ): In Germany → Deutsches Patent und Markenamt (DPMA). In Spain → l ""Oficina Espanola de Patentes y Marcas"" In Italy → Ministero delle Imprese e del Made in Italy And the World Directory for any additional information Supra-national institutions, here are useful links: At the Europe → EUIPO For international trademarks → WIPO 📌 How you can use your logo if you don’t register/trademark it ? The rights acquired under trademark law confer property right to the owner for the products or services he/she has designated. In the absence of such formalities, the logo may also be protected by copyright as soon as it is created, provided it is original. Caution: Being the owner of a trademark confers a definite advantage by virtue of possession of an intellectual property title, easier to oppose to third parties and to invoke before a judge. This right is exercised without prejudice to rights acquired by third parties prior to the filing date or priority date of the trademark. 📌 This FAQ is for information purposes only and does not constitute legal advice. The document contained in this FAQ is intended to provide a general overview of the subject matter and should not be construed as legal advice specific to your situation. It is therefore suggested that you consult a qualified lawyer for advice that addresses your particular circumstances.",https://help.qonto.com/en/articles/8989730-how-to-trademark-and-use-my-company-logo Create an impactful business logo with Qonto AI-powered generator!,"At Qonto, we're always looking for ways to support business creators. That's why we're excited to introduce our new logo creation feature. This tool leverages artificial intelligence to design professional-looking logos tailored to your company's identity. Whether you’re just beginning or seeking to perfect a logo idea, our tool powers you up! 🚀 What is Artificial Intelligence (AI) and how does it work? Artificial Intelligence is a branch of computer science that aims to create software programs capable of intelligent behavior such as solving problems, giving guidance or making something new, like a logo for your company. AI works by analyzing vast amounts of data given by their programmer, recognizing patterns, and making decisions based on this analysis. 🤖 This technology is not brand new, it was used already in a wide range of applications like video games, industrial automations, security systems, healthcare, finance, marketing recommendations, self-driving-cars. The new thing is the great democratization coming from AI programs that use humans words as instructions. ✍️ While mind-blowing, an AI, like any other computer program, is only capable of doing what it is designed and trained for. It just gets better and better at it, learning from feedbacks and/or new data. How to generate an impactful logo? From the moment you wait for the deposit certificate until you access your business account, you will be able to use our creative tool to generate up to 20 logos. Access the tool from the left panel and let your ideas flourish! 🪷 Write as many details as you want about your industry, company activity or brand identity. Request for any symbols, shapes or objects to be included with associated colors if necessary, but focus on only a few elements to avoid overloading. Keep sentences simple, precise and organized for maximum accuracy. ​ The tool is configured to generate a business logo, not masterpiece paintings. Also, please take care to respect OpenAI usage policy . ​ Select the main color theme of your logo or let the AI choose what could suit the best. ​ Select the design style of your logo or let the AI surprise you. You can see as example the Qonto flower. ​ Read and accept the terms and conditions. ​ Click on generate and see from yourself! 🙌 Once you generated a logo that you like, you can set it as Qonto avatar (and Qonto invoicing logo if eligible) . All your previously created logos, up to 20, are stored in the logo creation tool and you can download them for later use. 💡 Still be mindful, with AI using the same details and criteria will never produce the same logo. If you’re interested in one and want to iterate on it with externals tools, better download it. What usage can I legally make of this logo? Now that you have a great company logo, you might wonder what can you legally do with it? How to officially register it? Everything is answered in this extensive article .",https://help.qonto.com/en/articles/8890964-create-an-impactful-business-logo-with-qonto-ai-powered-generator Do You Want to Deposit Your Company's Capital? Qonto Offers a Simplified Solution in Partnership with Your Certified Public Accountant.,"Can you really complete your capital deposit in just one week? Yes, with Qonto. Certified Public Accountants can initiate the capital deposit on behalf of their business-creating clients . 1- Getting Started Your dedicated capital deposit journey can be started by clicking right here . Before you begin, make sure you meet the following conditions: ✅ You are a Certified Public Accountant, accredited by the tax administration (a verification will be carried out to confirm this eligibility). ✅ The legal form of the company is accepted by Qonto (Single shareholder company: SASU, EURL, …). ✅ Your client meets our eligibility conditions . If you're an accountant and not yet a partner, feel free to join our program here . 2- Provide Us with Your and Your Client's Information Accountants, you will need to provide us with the necessary information for your client's registration as well as your professional information. Regarding your certified accounting activity: Your first and last name, Your contact email address, The trade name of your firm, Your SIRET registration number. Regarding your client's company: Information about your client (name, surname, date of birth, domicile, email address), Information about the company (corporate name, legal form, registered office address, capital amount), The draft by-laws . 3 - Account Holder Registration The registration on Qonto must be continued by the account holder and the unique shareholder, who will receive an invitation by email. This redirect to the Qonto site saves you time, as we directly collect the documents and information you have previously provided for your client. 1 - Click on the link received by email to access your registration area. 2 - Confirm your email address with a code. 3 - Follow the steps, fill in your information and choose the plan suited for your Qonto account creation. Once you have signed your contract, we will receive your complete file. It will be checked by our dedicated team within 24 business hours. 4 - Verification of the Registration and Capital Deposit If everything is in order, once the file is validated, you will move on to the capital deposit step. Otherwise, additional information or documents may be requested. 5 - Signing Your Deposit Certificate Once the funds are received, verified, and validated, we will send the account holder a deposit request by email to be signed digitally. The deposit certificate will be issued by our notary within 12 business hours: An original digital version of the Deposit Certificate: which will be sent by email to both the account holder and the accountant within 12 business hours after receiving the deposit request signature. An original paper version of the Deposit Certificate: which will be sent by postal mail to the sole partner's personal address within 7 business days from the reception of your share capital. 💡 Receiving the deposit certificate is necessary before proceeding with the signing of the statutes and the publication of the legal notice. 6 - Registration The crucial step of registration is made easier through the collaboration between Qonto, your accountant, and the registration services, ensuring a quick and efficient process. Upon obtaining your KBIS, the Qonto account holder must submit a valid incorporation proof directly on the Qonto interface (accessible only by the account holder). You can also send it following our exchanges, or by contacting us directly at [email protected] . Upon receipt of this, the official sign of your company's creation, we will finalize the setup of your business account within a maximum of three days. 7 - Account Validation Has your KBIS been validated by our service? You can then fully enjoy Qonto's services for the daily management of your company, with the peace of mind that your creation procedures have been handled efficiently and effortlessly. ☝️ Remember to download your final RIB and share it. Once the request for the release of your share capital is received by the notary, the funds are credited to your Qonto account within 72 business hours. 🎉 Most Common Questions What happens if my accounting activity is not eligible? If your activity is not validated, you can still accompany your client by assisting them in making their capital deposit through our standard process. As a business creator, I want to facilitate my capital deposit with the support of an accountant, how can I find one? We collaborate with numerous accountants who will be delighted to assist you in your business creation process. Find the one that suits you directly on Qonto here . Is it possible to create my company through this process with more than one shareholder? We hope to soon offer the possibility to initiate your capital deposit in collaboration with your accountant for a company with more than one shareholder. However, it is already possible to do so independently with Qonto through our standard process .",https://help.qonto.com/en/articles/9038022-do-you-want-to-deposit-your-company-s-capital-qonto-offers-a-simplified-solution-in-partnership-with-your-certified-public-accountant You want to register and deposit your capital? Qonto offers you an integrated solution with Legalstart.,"You’ve initiated the creation of your company on Legalstart, but you need a deposit certificate of capital to finalize the creation of your company: Legalstart offers you to obtain this document through Qonto. 1- TO GET STARTED You’ll need to meet the following requirements: ✅ The legal form of your company is accepted by Qonto (SAS, SASU, SARL, EURL, SELARL, SNC or SCI). ✅ You meet our eligibility requirements. Legalstart offers you to file your share capital on Qonto. Click on the Go to Qonto button (bottom right) : You’ll be redirected to the Qonto homepage, then click on Start : 2- DATA TRANSFER 1️⃣ For information, by choosing to continue the adventure with Qonto, Legalstart will send us the information necessary for your registration: your email address the company legal name the company legal form the company address your nationality your birth address, city and zip code the capital amount of your company your residence address your phone number your gender For physical shareholders: first name, last name, email, date of birth, residence address country, birth address country For legal shareholders: ultimate beneficiary city of birth, nationality, company name, registration number, share contribution amount, first name of legal representative, last name of legal representative, email address of legal representative. 3- DEPOSIT YOUR CAPITAL ON QONTO ⚠️ The registration on Qonto must be done by the main shareholder of the company. If the registration is started by another person, the main shareholder will receive an email inviting him/her to start the registration. This redirection to the Qonto website will save you time. As we collect the email address you filled out on Legalstart. 💡 If you already have a Qonto account, you'll just need to log in to start your registration. Your email address is pre-filled directly on our site: You can then follow the steps of the capital deposit : 1) The creation of your Qonto account 2) Receive your deposit certificate within 12 business hours (Mon-Fri, 9am-6pm) 3) Sending your certificate to Legalstart to register your company 4) Activate your Qonto account 4- REGISTER YOUR COMPANY ON LEGALSTART Once your deposit certificate is available on your Qonto account, we will send it automatically to Legalstart. Legalstart will then register your company, and you can come back to us once you have obtained your proof of registration (synthèse INPI définitive, extrait Kbis or extrait INPI). 5- AFTER YOUR REGISTRATION After the validation of your registration on the Guichet unique, you will have to import your proof of registration (final INPI summary, Kbis extract or INPI extract) directly on your Qonto interface. ☝️ Carry out this operation from a computer, using the Google Chrome browser. Once your RCS number has been recognized by the legal databases, your account will be validated and activated! 💡 Do not forget to download your final IBAN and share it. Once the request to release your share capital has been received by the notary, the funds will be credited to your Qonto account within 72 business hours. 🎉",https://help.qonto.com/en/articles/6291285-you-want-to-register-and-deposit-your-capital-qonto-offers-you-an-integrated-solution-with-legalstart What type of shareholders does Qonto accept for capital deposit ?,"To make a capital deposit with Qonto, we accept that your file includes natural persons (individuals) and/or legal entities (companies) as partners. 💜 Accepted physical shareholders : Adults Emancipated minors (a letter of emancipation signed by a judge will be requested) Non-emancipated minors , if one of the parents is a shareholder in the company. Both parents will be required to sign an attestation authorising the minor to create a company (or the sole legal guardian + court decision giving parental authority to one parent) . Having an admissible identity document with ongoing validity Accepted legal entity shareholders : Companies registered in France 🇫🇷, Italy 🇮🇹, Spain 🇪🇸, Germany 🇩🇪, Belgium 🇧🇪, Luxembourg 🇱🇺, Netherlands 🇳🇱, United Kingdom 🇬🇧 (and if applicable, managed by companies from these countries). French associations under the 1901 law or similar 🇫🇷 The stacking of companies does not exceed two consecutive parent companies . Additional documents may be requested outside the registration process. Several combinations are currently possible in terms of shareholders: A legal entity as sole shareholder : must be represented by a legal representative of FR nationality Several legal entity shareholders :legal representatives of EU nationality and at least one of FR nationality Combination of physical persons and legal entities (with legal representatives of EU nationality and at least one of FR nationality) ⚠️ The acceptance of a registration is however conditioned. Therefore, before registering, please check out all our eligibility conditions for the capital deposit service . If you meet all the necessary requirements, then you can apply. Then let's get started! Click on this link to start your registration! 🚀",https://help.qonto.com/en/articles/5231600-what-type-of-shareholders-does-qonto-accept-for-capital-deposit What is the difference between a physical person and a legal entity ?,"Physical person A physical person (or legally speaking, a natural person) is any living human being considered as a subject of rights and obligations. A natural person can be recognised by several elements: a family name (or several) a first name (or several) a home address (fixed for at least 6 months per year) a nationality . A natural person has a legal personality, which means that he or she has rights (e.g. voting rights) and duties (e.g. respect for others). In France, to benefit fully and autonomously from their legal personality, a natural person must be of legal age (or emancipated) and not be placed under guardianship or curatorship. Legal entity Legal entity Under French law, a legal entity (or, legally speaking, a legal person) is a group with legal personality. Usually, a legal person consists of a group of natural persons gathered to accomplish something in common. This group may also include individuals and legal entities. It may also consist of only one element. French law distinguishes between: corporate entities in public law: the State, local authorities, public establishments, etc. corporate entities in private law : most commonly private companies, civil companies (SC), economic interest groups and associations. Some corporate entities in private law are entrusted with the operation of services of general economic interest. To recap a legal entity is : A legal person is an entity which, although it’s not a natural person, has rights and responsibilities . The legal person can be directly controlled by naturals persons or by others legals persons , which in turn can always find natural persons. It can be subject to both public and private law . If it meets the required criteria, it can proceed to share capital contribution with Qonto . How to add a legal entity as a shareholder in Qonto Before depositing your share capital with Qonto, you’ll be asked to define your company shareholders and their shareholding type : To file the capital of a company with one or more legal entities as shareholders, you only need to provide : The date/place of birth of the physical representative A copy of the ID of the physical representative of each corporate entity. We’ll take care of finding the proof of registration (synthèse INPI définitive, extrait Kbis or extrait INPI) and bylaws, so you don’t need to worry ! 💡 Additional documents may be requested outside the registration process for legal entities outside-France",https://help.qonto.com/en/articles/5231586-what-is-the-difference-between-a-physical-person-and-a-legal-entity What bylaws should I provide for the capital deposit?,"What are the bylaws? The bylaws contain all the important information about your new company: its corporate name (the name of your company) the legal form the registered office address the amount of share capital the contributions of each partner or shareholder the corporate purpose ( summary of the company's main activities *) the life span of the company 1️⃣ This is a document to provide to the Guichet unique des entreprises when you apply for registration. 💡 To help you, we offer model of bylaws to customize to suit your project. You can also ask your accountant, lawyer or formalist to help you redact the document. 2️⃣ This document will also be requested by Qonto when you register your company, and you'll need to drag and drop it into the "" Deposit your bylaws "" section. ⚠️ Some important information about your status In order to avoid a refusal by the Guichet unique, your status projects: Must not ❌ Must ✅ Be dated before the date you obtain your certificate of deposit Be perfectly legible (Tip: use PDF format) Because Qonto is a payment institution, not a bank (a credit institution), certificates of deposit are issued and signed by notaries. For this reason, we add an appendix at the end of your bylaws. This appendix completes the ""Contributions"" section of your bylaws by mentioning the notary's office that certifies the capital deposit, in order to register with the Guichet unique. The appendix is automatically added to your bylaws once they have been validated by our teams. When your deposit certificate is available, we'll send you the complete version of your bylaws (with appendix). To avoid a refusal when registering with the Guichet unique, it is important to use the version with the appendix of your bylaws. This appendix contains essential information about your capital deposit.",https://help.qonto.com/en/articles/4359543-what-bylaws-should-i-provide-for-the-capital-deposit What are the steps of the capital deposit?,"Qonto, the leading European platform for SME and freelancer finance management, facilitates online company capital deposits. We prioritize transparency, providing clear steps and verifications for your capital deposit compared to traditional players. Upon completion, you'll receive both a digital and paper certificate, streamlining registration at the Guichet unique . Here are the steps: Step 1: Your registration Initiate your capital deposit by completing the online form here . We will need the following documents: Your articles of incorporation or bylaws A proof of identity for each shareholder A proof of address for your company headquarters Choose the pricing adapted to your situation, including the fees linked to the capital deposit and your Qonto subscription (see the pricing here ). ☝️ Ensure alignment with eligibility criteria before initiating your capital deposit registration for a smooth process ⚡️. 📌 When registering on our site, you must indicate only cash subscribers (sum of money). Contributors exclusively in-kind do not need to be filled in. Step 2: Verification of your application As soon as we receive all your information, your application will be checked by our dedicated team within 24 hours . Once your application is accepted, you will proceed to the next step. Step 3: Payment of your share capital A temporary, and nominative, deposit account is allocated to each associate in order he can make the payment of his contribution by wire transfer. ☝️ Each associate receives his deposit IBAN by email. The account owner can also retrieve the IBANs and follow the progress of the payments on the Qonto customer area . 📌 To make this step easier, see our Rules and advices on the payment of contributions . Step 4: Origins of the funds' review If you opt for instant SEPA transfer, we'll immediately receive the transfer(s). ⚡️ Otherwise, it can take up to 48 hours (depending on the bank transfer delays). After receiving the transfer(s), we'll check the origins of the funds, and let you proceed to step 5 . ☝️ Make sure that all the associates do the transfer at a similar date. This will prevent you from delays, waiting for all the funds. Step 5: Your deposit request The funds' origin has been checked and validated! We will send you the deposit request by mail mentioning all your company informations. Sign it online to confirm it! ☝️ An error or oversight can easily occur. Check your company's information in the request document before making the signature. If you notice any inconsistencies, contact us to make the necessary changes. Step 6: Your capital deposit certificate As soon as the deposit request is signed, we will transfer the funds to the notary. He will then sign your deposit certificate once he will receive the funds (within 12 business hours). Two versions are produce: The digital deposit certificate : sent by email by the notary as soon as your funds will be received by him. You can register your company online with this document on Guichet unique website. The original deposit certificate : sent by postal service by the notary within 7 open days after he receives your capital deposit. Step 7: Your company registration With your deposit certificate, you can now send this document to the Guichet unique in order to obtain your proof of registration (synthèse INPI définitive, extrait Kbis or extrait INPI). ☝️ The easiest solution is to start your registration online on the Guichet unique . 💡 If you are assisted by a partner for your registration documents and your procedures for the registration of your company, you just have to complete your application on their website . Once the dossier is completed on their side (don’t forget to include your deposit certificate ), they will take care of your registration through the Guichet unique. 📌 You must sign your bylaws before submitting them to the Guichet unique. Make sure the date you sign the bylaws is after the date on your Deposit certificate. Also, if you include the date you obtained the Deposit certificate in your bylaws, make sure it matches the date on the Deposit certificate. Example: For a certificate signed on 01/01/2022, the bylaws must be signed on 01/01/2022 at the earliest. Step 8: Your proof of registration To finish your capital deposit process, we need your definitive proof of registration (synthèse INPI définitive, extrait Kbis or extrait INPI). ☝️ Careful, temporary documents are not accepted. Take the time to read : Which proof of incorporation are accepted by Qonto? Please upload it directly on your Qonto account . Step 9: Validation of your Qonto account Once the SIREN number is recognized in the legal bases, your account will be validated and activated. ☝️ You can now download your definitive IBAN and share it with your partners. Step 10: Your capital restitution When the restitution request will be received by the notary, the funds will be credited on your Qonto account within 72 business hours . 💡 Qonto does not deliver a certificate for the release of capital. If your accountant asks for this document, you can provide: your account statement, which will serve as proof of your capital release. You will receive your account statement at the end of the month in which you registered, so that you can forward it to your accountant. Step 11: Your Qonto card Discover the features of your account and order your credit card right away. The adventure can now begin 🚀",https://help.qonto.com/en/articles/4359544-what-are-the-steps-of-the-capital-deposit How do I make a claim?," If you're unhappy with your experience at Qonto, you can easily and quickly make a complaint to our teams, regardless of the reason for your dissatisfaction. In this case, here is the procedure to follow: Contact our customer service: First, please contact our support team by chat. Most of the time, a solution is found by our agents. But if you are still not satisfied with the result of your claim, you can file a complaint by mail. File a claim online or by mail: You have two options to send us a complaint: Online: You can send us your complaint at [email protected] . By post: you must send a registered letter with acknowledgment of receipt (or equivalent) to the following address: Qonto, Service Réclamations, 18 Rue de Navarin, 75009 Paris. ​ File a claim if your a german customer (with a DE IBAN) You have two options to send us a complaint: ​ ​ Online: You can send us your complaint at [email protected] By post: Send a registered letter with acknowledgment of receipt to the following address: ​ OLINDA Zweigniederlassung Deutschland Beschwerdemanagement Qonto Warschauer Platz 11-13 10245 Berlin - Deutschland ​ We'll keep you updated within 24 business hours once your claim has been received. Your complaint will then be processed by the appropriate department as soon as possible and, at the latest, within 15 working days, except in exceptional cases which will be notified to you in advance (in these situations, the final answer will be sent to you within a maximum of 35 working days). ☝️ Good to know: as you are acting in a professional capacity, you are not eligible for the mediation procedure.",https://help.qonto.com/en/articles/4359680-how-do-i-make-a-claim "Are the information shared on Intercom, our customer interaction tool, secured?","What is Intercom? Intercom is a tool used by Qonto to communicate with you. Today, all clients can contact us directly through their Qonto web application and ask us any question! 🎉 Our team will take care of you. Is it secured? All tools and services used by Qonto follow a verification process to ensure both quality and security. Intercom complies with strict norms to ensure the confidentiality of your account data. What does it mean concretely? Main measures in place are the following: Intercom uses an authentification and access control system that ensures application integrity and continuously monitor and check confidentiality norms, thanks to alerts Security and integrity norms and processes are regularly controlled and certified by external and qualified third parties (SOC2 audit companies) Therefore, Intercom does not access your banking account data. The only data Intercom has access to are those necessary to provide you with a customized and efficient service (name, surname, email). No more personal and account data are shared with Intercom.",https://help.qonto.com/en/articles/4625331-are-the-information-shared-on-intercom-our-customer-interaction-tool-secured "I need help, how can I contact the customer support ?","The answer is not on the FAQ? Contact us by chat! It’s the most secure and fastest way to get help. Chat with us directly from this article or from your Qonto interface, by clicking on the bubble in the bottom right corner. 💬 We are available every day and will be attending you shortly during our opening hours : 🇫🇷 France : 24/24h 🇮🇹 Italy : 8:00am – 8:00pm 🇩🇪 Germany : 8:00am – 7:00pm 🇪🇸 Spain : From Monday to Friday 9:00am – 7:00pm / Saturday and Sunday 9:00am – 5:00pm ☎️ You can request a phone call, just ask our agents on the chat. ​ ​ ​",https://help.qonto.com/en/articles/4359541-i-need-help-how-can-i-contact-the-customer-support What are the requirements to proceed to the initial capital deposit of a French company with Qonto?,"You want to make your capital deposit with Qonto in order to incorporate your company. We invite you to consult the conditions below to confirm that your project is eligible: Legal Form Capital deposit with Qonto is open to the following legal form : SAS / SASU SARL / EURL SELARL SELAS SCI / SC SNC ℹ️ You want to transform your freelance activity into a company (SASU, SAS, SARL, …) ? Transformation of a freelance activity into a company requires formalities and often a capital deposit. The capital deposit cannot be done directly on your freelance Qonto account. You will need to start a new Qonto registration for company creation. Headquarters Headquarters must be located in France (except Monaco) , Guadeloupe , Guyane, Martinique, Mayotte, La Réunion, Saint-Barthélemy, Saint-Martin ou Saint-Pierre-et-Miquelon. Activity Your company’s activity must not be related to the activity listed in the forbidden activities . Holding companies cases : Holding companies can open a Qonto account in minutes , 100% online. For more information about our conditions, please contact us. Shareholders Physical shareholders (individuals) 👤 : Must provide an acceptable proof of identity with ongoing validity Emancipated minors are accepted upon presentation of an emancipation letter signed by a judge Non-emancipated minors are accepted only if one of the parents is a shareholder and upon presentation of a certificate signed by both parents (or the sole legal guardian + the court decision giving parental authority to one single parent) Corporate shareholders (companies) 🏢 : Companies incorporated in France 🇫🇷, Italy 🇮🇹, Spain 🇪🇸, Germany 🇩🇪, Belgium 🇧🇪, Luxembourg 🇱🇺, Netherlands 🇳🇱, United Kingdom 🇬🇧 (and if applicable, owned by companies in those countries) French law 1901 associations or assimilated 🇫🇷 ℹ️ At least one shareholder (or legal representative of a corporate shareholder) must live in France 📍🇫🇷 Share capital The minimal cash contribution is €1 by cash contributor and the share capital must be fixed o r partially released: Partially released contributions are accepted, under these conditions: SARL, EURL: the associates are obliged to deposit a minimum of 20% of the total amount of funds at the capital deposit stage. SA, SAS, SASU: the associates are obliged to deposit a minimum of 50% of the total amount of funds at the capital deposit stage. SNC: there is no mandatory amount to deposit at the capital deposit stage. The client is free to choose the amount. ⚠️ The amount to be deposited must be specified in the draft bylaws by the client, and the remaining capital must be deposited within 5 years of the anniversary of your registration. New companies with variable capital are accepted, under these conditions: The bylaws need to provide a variability clause defining max/min values Maximum share capital for SCI / SC is €10 000 (no limit for other legal forms) The minimum capital to be deposited for a transport company is 1800 euros ℹ️ Please note that partial release and variable capital are not compatible. In-kind contributions are accepted, under these conditions: Total in-kind contributions does not represent more than half of total share capital Individual value of each in-kind item is under €30 000 Validation by Qonto of invoices and value estimates to date (in case of material items) Frequently asked questions 💡 Who can start opening the Qonto account? *The Registration *** on Qonto must be carried out by an associate (or a legal representative of a corporate shareholder) Which documents should I provide to be the account owner? The account owner is the person doing the registration. It must provide an admissible and valid identity document What means of payment are accepted for registration? It is only possible to pay for Qonto registration fee by credit card Can I deposit my capital by credit card, check or cash? The deposit of contributions can only be made by bank transfer. For more information on the deposit of contributions, click here Would you like to find the invoice for your Capital Deposit payment? We have sent it to you in the mail entitled ""Your Qonto invoice"" on the day of your payment. Do you meet all the necessary conditions? So, let's go ! Click on this link to start your registration! 🚀",https://help.qonto.com/en/articles/4359524-what-are-the-requirements-to-proceed-to-the-initial-capital-deposit-of-a-french-company-with-qonto Is it possible to open a dedicated account on Qonto?,"The dedicated account-which came into force with Law 136 of 2010-is nothing more than a particular current account , opened at a Banking Institution or at the Italian Post Office-restricted to the management of receipts and disbursements to and from the Public Administration, in order to ensure their traceability . The dedicated account is required, by way of example but not limited to, for companies wishing to participate in: Public contracts Major works In addition, the same may also be necessary for enterprises that need to receive funds from: Public Administration (public works, services and supplies) Concessionaires of public funding (including European funding) A dedicated account is for all intents and purposes a special type of current account and, for this reason, cannot be offered by our Institute. Qonto is in fact a Payment Institution and - as such - can only offer ""payment accounts"" but not ""current accounts.""",https://help.qonto.com/en/articles/6448423-is-it-possible-to-open-a-dedicated-account-on-qonto "Disambiguation page: credit institutions and payment institutions, bank accounts and business accounts.","Qonto is a French payment institution, registered in the Registre des agents financiers under license number 16958 and subject to the supervision of the Autorité de Contrôle Prudentiel et de Résolution (ACPR). What is a payment institution in simple terms? A Payment Institution is a financial intermediary other than Credit Institutions. The substantial difference is that Payment Institutions cannot provide credit. Payment Institutions can provide payment services associated with a payment account. Furthermore, Payment Institutions are not allowed to collect deposits from users. The funds received from customers must be deposited with a credit institution, in an account separate from that of the Payment Institution, with the clear indication that they are third party assets. In other words, the sums held in the payment accounts on behalf of each customer cannot be confused with those of the payment institution. What is the difference between a bank account and a payment account? As the word itself indicates, only banks can open bank current accounts. The accounts provided by the Payment Institutions are legally referred to as ""payment accounts"". Unlike bank current accounts, funds set up in a payment account do not accrue interest and are subject to the protection methods described above. In any case, for the use made of it, any reference to a ""bank account"" on our site must be understood in the common sense of the term.",https://help.qonto.com/en/articles/4359545-disambiguation-page-credit-institutions-and-payment-institutions-bank-accounts-and-business-accounts