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:

1. Go to Business account > Transactions, then click on Account details

2. Click on Account details

3. 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?

List of accepted currencies ✅ (incoming SWIFT transfers)

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.