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:
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Go to the Business Account section
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Go to the Transfers section
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Click on the black + icon in the top right corner of your screen
📲 On your mobile app:
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Go to the Transfers section
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Click on the black + icon in the top right corner of your screen
You can choose between two options:
1- Upload an invoice
If you have an invoice, upload it now!
The system collects information about the invoice whenever possible (beneficiary/IBAN, amount, purpose),
You can change any field, change the account to be charged, plan a repeat, send a notification to the beneficiary, and add accounting details.
2- I don't have an invoice / Add transfer details
If you don't have an invoice, follow these steps:
- Select a recipient or enter the data for a new recipient: full name as stated in the RIB (name/first name/company name), IBAN, VAT rate, category or related designations, etc. We automatically save this beneficiary so that you do not have to create it again.
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Enter the purpose and the amount (you can save up to 135 characters in the reference field)
Scheduling and repetition allow you to set the date the transfer should be made, or set a rule for repetition - Attachment, if you want to attach a document to your transfer, or if the amount exceeds 50,000 Euros
- Notification of the recipient, if you want us to send an email to the recipient with the transfer details
- Accounting details, which allow you to define the recipient's VAT rate, custom labels, if you have them in your price plan, and a note to remember what this transfer is about
- Take one last look at your transfer and make sure all the details are correct! Here your transfer is automatically set to REAL-TIME, but you can of course also choose the option of standard transfer (received within a maximum of 48 business hours).
☝️ 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.
- If your transfer is greater than €50,000 or your beneficiary cannot be reached via instant SEPA transfers, it will be carried out automatically as a standard transfer.
- If you make a transfer to a closed account, you must contact the beneficiary so that their bank can confirm the return of funds to your Qonto account (funds should be automatically returned)
- 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?
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From your iPhone home screen, long press on any application, then click on Edit home screen ;
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Click on the + button in the top left-hand corner, and the widget menu will appear