🔌 Introducing Connect: tools and services connected to your Qonto account

Managing your finances is more than just receiving and sending payments in a current account; that’s why Qonto is launching Connect. ⬇️


A while ago, we reached out to some of you to learn more about how we can help you automate the management of your finances and professional processes.

After a few weeks of hard work, we are very pleased to announce the launch of Connect: a collection of tools and services connected to your Qonto account designed to help you automate your financial management (but mainly to help you focus on what matters: your business).

🙀 Connected tools and partner service offerings

The connected tools and services featured in Connect were carefully selected based on specific criteria: customer experience, transparent offering, and quality service. All of the tools linked to your account have been carefully tested and approved by our teams.

What about security?

The tools that communicate with your Qonto account are authorized to collect only the information needed to automate a particular task, and nothing more. In no way can they access all the data from your current account or, more importantly, your money.

🧐 How does it work?

Go to the Connect section of your Qonto web app. Here, you will see a catalog of connected tools and partner service offerings.

Click on the tool or service that catches your eye 👀! We then provide you with additional information to help you choose which tool or service is right for you.

😿 Still not able to find the app of your dreams?

In the same section, you can tell us everything about your ideal Qonto integration or your favorite tool. That’s right; Connect will be enhanced as time goes on, with new connections and new partner services. So, don’t hold back! We look forward to saving you time.

P.S.: A little bird told me about a new Connect tool coming soon…

Thank you to all the partners and Qonto users who made this project possible. 🥰 Questions or comments? Contact us at [email protected] !

The Qonto team

😇 Ordering a card has never been so easy

Your card has slipped out of your wallet? An urgent purchase to make? Breathe and relax, you can now order new physical or virtual cards in just a few clicks.


Easy as pie

Until now, you had to fill in all the necessary information on a single page (but pretty full) to order your cards.

To save you some (precious) time, Qonto allows you to order a card in just a few steps. Go and see, it's simpler and faster. 😎

Custom cards

Payment limits, ATM withdrawals, contactless payments, online purchases, international payments: simply pick the card that suits you the best.

It only takes a few clicks to adapt the card to your needs (or your team members' needs).

Home (or office) delivery

Based on the card you chose, delivery times vary. Generally, our physical cards will arrive in about 2-5 working days. And for a virtual card… well, it's instantaneous.

Do you have a question or feedback you would like to share? Just send us an email to [email protected]. We look forward to reading you!


The Qonto Team 💜

Spring cleaning: we've made your transfers tidy

With all these scheduled, pending, sent, or canceled transfers, it's hard to find your way around (and many of you have let us know). So we took the Transfers tab of your app, and we tidied it up a bit!


On the left-hand pile, the upcoming transfers

For now on, you'll find all the transfers that will be sent in the next few days right there. 💸

Now that they're all in one place, it's easier to keep an eye on your upcoming expenses and adjust cash flow if necessary.

Also, if you find an error among these transfers, it's still time to modify or cancel most of them.

In the box on the right, the past transfers

This is where we stored all the transfers you no longer need to worry about. 📦

Trust us, we keep everything: canceled transfers, rejected transfers, and even those that have already been executed. It could be useful for your accountant at the end of the month.

Well, here it is. All you have to do is get to know your new Transfers tab! 👩‍💻


The Qonto Team

SWIFT: receive transfers from all over the world (finally) 🌍

You've been more than 1,000 companies asking for SWIFT transfers since January! The truth is, our team was already working on the subject: since this morning, you can (finally) get paid from around the world!

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💸 International transfers, straight to your current account

You don't have to keep an account in a traditional bank to receive international transfers anymore. No need to ask your customers to use an intermediary service (such as Transferwise or Xendpay) either.

Starting today, French and German companies can receive all their client's transfers on their Qonto account:

  • get transfers from +142 countries
  • and in 59 different currencies
  • in case you wonder, we also manage the currency conversion in euro

Just so you know, we have updated your account details with your SWIFT information. If you need them, just hit the download (or copy) button on your (brand new) Account details section!

☝️ Since July 7, 2020, this service is available for our Italian and Spanish customers.

⚖️ No unpleasant surprises

We have become used to traditional banks charging hidden (and often mind-blowing) fees. At Qonto, however, we prefer to provide you with all the details upfront on the cost of receiving a SWIFT transfer:

Receipt fees?

  • If you have a Solo plan, a fee of €5 excluding taxes is charged per transfer.
  • If you have a Standard or Premium plan, this fee is included in your plan.

If most of your clients are based abroad, take a moment to consider which plan is best for your business!

Exchange fees?

You may not be aware, but fees are added to the exchange rate. The bank responsible for converting the funds always applies a relatively small percentage fee.

When converted by the issuing or intermediary bank, the funds arrive at Qonto already converted into euros. Since the conversion has been completed beforehand, we have no control over the fees added to the exchange rate displayed on your screen.

In the event that Qonto manages this task, we have negotiated with our correspondent bank 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.

Fixed fees?

Some issuing or intermediary banks may deduct fixed fees (in addition to the exchange fees) from the transfer amount. You can avoid these fees, however, by asking your clients to choose the OUR option when preparing a transfer. This way, all the fixed fees are charged to the sender.

☝️We recommend that you carefully read this article for all the details and information on the cost of a SWIFT transfer.

Last but not least: if your bank account number starts with the letters TRZO, it means that your account is still hosted on our historical partner's banking platform (Treezor). We, therefore, must first transfer your banking activity onto our new platform.

Don't worry, you don't have to do anything. Gradually, we are offering all our users to migrate their banking activity to their new current account. You just have to wait for our email. 🙂

That's all you have to know! But if some questions remain, feel free to ask us: [email protected] 🙂

The Qonto Team

Introducing the X Card

Since the launch of the Plus card last October, we promised you the arrival of a card that is different from anything you have experienced so far. Meet X - the metal card crafted for your future.


🖤 An iconic card

Each X card weighs 17 grams and is made entirely of stainless steel. Engraved using a unique process, each detail has been carefully designed and considered to make it a truly exceptional card.

💫 Crafted for your future

With this new launch, we’re offering professionals the very first metal card specially designed just for them.

With the X Card, you can now:

  • Benefit from a 0% exchange rate
  • Pay up to €60,000 / 30-day rolling period
  • Withdraw up to €3,000 for free / 30-day rolling period
  • Benefit from Qonto’s most exclusive card insurance
  • Take full advantage of a concierge service available 7 days a week
  • Access airport lounges

Everything is included, with no fees added to the card’s €20 monthly rate.

⚡️ Limited edition

This new card is available in a limited edition of 2000 units for all our users who already have an account on our new banking platform.

Have you heard about our new banking platform? If your IBAN starts with QNTO, you already have access to it and to all our new features (including our new X card 🎉)!

Your IBAN starts with TRZO and you haven’t been invited to access your new account? You’ll receive a message from us in the coming days.

Send us your love and ideas to [email protected] 🥰

The Qonto team

Cash your checks with your smartphone

Unfortunately, you can’t make the days any longer (we’ve tried). Instead, we would like to help you save some valuable time by cashing clients’ checks, wherever you are, directly on your mobile app!


💔 It’s finally here

Nearly a year has passed since check deposit was added to Qonto. Already?! Time flies when you’re in good company. But that’s enough nostalgia for one day. Since its launch on the web application, many of you have been asking when check deposit will be available on the mobile app. Well, consider it done!

You can officially open your day planner to Friday, from 11 am to 12 pm, and scratch “Cash checks on Qonto” from your to-do list. Now, you can cash checks on the go, as they come in each day, directly from your mobile app.

😻 How does it work?

Just do exactly as you would on the web application! The only difference is that the check section on the mobile app is available from the More tab located in the search bar at the bottom of your smartphone screen.

1- Open the check section in the More tab.

2- Click on Deposit a check and follow the instructions.

3- Enter the information on the check: amount, name of the person or company who issued it, date, check number and key.

4- Send it to us by post to the address on your screen. Just to be sure, we recommend getting a tracking number.

5- Wait for a little. Your funds will appear on your account within 24h for checks under €1,000 and 15 days (maximum) for other amounts. It may be a long time to wait, we know, but we need this time to avoid fraudulent checks.

☝️ Remember to ask your clients to make your checks out to the name of your company. Otherwise, we won’t be able to cash them. 😕

😌 An occasional solution

If you’ve used this feature on our website, you’re already aware that we are not fans or avid defenders of this method of payment. We offer this occasional solution, however, in the event that one of your clients has no other option.

Checks are a rather unreliable payment method… That is why we continue to recommend that you opt for transfers, which are fast and secure!

☝️The maximum authorized amounts remain the same: €10,000 over a 30-day period, and a limit of €5,000 per check.

Tell us what you think by sending an email to [email protected] 💌

The Qonto team

😎 Send up to 200 transfers by uploading a simple .CSV file

Are you familiar with bulk transfer? Yes, that Qonto feature that enables you to send up to 200 transfers at once by uploading a simple .XML file… As it turns out, .XML may not be so simple after all. We have been listening to your needs and are now offering another file type for sending bulk transfers: say hello to .CSV!


🙌 Make way for simplicity

For those of you who use bulk transfers already (and there’s a lot of you), the secret is out! Save time, improve consistency, and minimize errors; enjoy a long list of advantages, whether paying your suppliers, your employees, or anyone else for that matter!

The advantage of .XML is that most payroll and accounting software enable you to download files in this format in one click. Simply download the file, and voila! All that is left to do is upload it to Qonto!

But for you DIYers out there, the .XML file requires a bit (or a lot) of training. With the .CSV file, you can accumulate all of your transfers for the week or month (for suppliers or other beneficiaries) in a single file, without having to be an expert in a specific tool (Excel will do the trick). Once the file is ready, simply upload it to Qonto and let it work its magic!

🤓 How does it work?

Go to the Transfers section of your Qonto app:

1 - Click on Create transfer from the Transfers section

2 - Choose the option Bulk transfer in euros

3 - If you do not use payroll or accounting software that generates an .XML file, we recommend the .CSV file format 🎉

4 - Download the template we created for you, and simply fill in the information for each transfer you want to send in one click

5 - Upload the completed .CSV file

6 - Double check the transfer information. (You even have the option to schedule the transfer for a later time if you’d like!)

7 - Confirm the bulk transfer, and you’re done!

Give it a try and let us know what you think about this new feature by sending your comments to [email protected] ! If you have suggestions of other file formats that would make your life easier, we would love to hear them!

Until next time ❤️

The Qonto team

🗣 Request a Direct Debit refund

To give you even more control over your payments, Qonto allows you to request a Direct Debit refund from your application! 🥳

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🤓Did I hear right?

You don’t recognize the amount debited by your creditor? You’ve been debited even if this Direct Debit was suspended? You may not know this, but you’re allowed to request a refund! You have a legal period of 8 weeks to request a refund without having to justify this request.

🧐What types of Direct Debits?

You can request a refund for all your SEPA Core Direct Debits. Very common, they are probably already part of your daily life: electricity, gas, internet subscription… You set it up providing your Qonto IBAN to the creditor.

🤗How does it work?

You realize there’s an error regarding one of your Direct Debits. You can cancel this debit independently by clicking on Request a refund from your transaction details.

👋Good to know

If you’re not able to see the button, that's because your IBAN starts with TRZ. No worries! Simply complete and send us the document that you can download from our FAQ to get a refund.

Qonto is more than ever focused on your autonomy! Feel free to give us your feedback or send a few sweet words at [email protected] - we love it! 💌

Talk to you soon!

🔝 You have the answer before asking the question

If you don’t recognize a transaction and still have questions about it, you have no time to waste. We decided to give you the answer when you need it!

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We realized by looking more closely at your most common questions that very often your problems could have been solved in a few seconds if you had known what to do. That’s why we decided to give you access to the information in your transaction details.

🤓 How does it work?

  • From your application, access to your transaction History and click on the transaction that questions you.
  • Then click on Do you need Help? in the details of your transaction, you will find all the answers to the most common questions.
  • And if you still have any doubts, you can try the FAQ and we are of course available to help you solve more complex situations.

If you think that some answers might have been appropriate here, feel free to let us know by sending us a message at [email protected] !

See you 🥰

The Qonto Team

A mistake on a transfer? Simply cancel it! 🙌

Keep control over your transfers (even after they have been validated). You understood right, the transfer cancellation just came in!

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😍 More autonomy to bring an end to entry errors

Ouch, you realize you’ve made an error after validating a transfer. Keep calm, Qonto allows you to cancel a transfer independently from your interface.

🙋‍♀️ How does it work?

  • You make a small data entry error: IBAN, the amount…
  • You realize this right after the payment validation.
  • You can cancel the payment by clicking on Cancel this transfer in the transaction details. And you're done!

🧐 What kind of transfers can I cancel?

You’re able to cancel interbank transfers. Meaning all transfers to a beneficiary who has a current account at a bank other than Qonto.

Depending on the validation payment hour, you have a longer or a shorter delay to cancel it from your application.

Why? Several times a day, Qonto communicates the details of all transfers to Crédit Mutuel Arkéa (this is where your funds are secured). You are free to cancel the payment by yourself until we communicate the file to Crédit Mutuel Arkéa.

🤗Our advice

Even if providing you with more autonomy means a lot to us, we still advise you to double-check the information entered before validating a transfer.

To send sweet words to our tech and product teams or to ask questions, reach us at ➡️ [email protected] ! They will be happy to read from you. 💌

Talk to you soon!