You can make a EUR transfer through our partner Wise which enables you to process it using the SWIFT network.
You will be able to send EUR to any country from the list below with the SWIFT network.
You can make a SWIFT transfer in EUR with the same level of speed and easiness as with Wise, directly from your Qonto account. You do not need a Wise account.
Please note that the execution of SWIFT transfers in EUR currency is currently only possible via the web app. The extension to the mobile app is planned for early October.
What is the fee?
The fees for SWIFT transfers in EUR applied are of €5/transfer.
👆Good to know: the funds will be sent using the SHA method (other intermediary banks may also charge fees).
What's the receiving time? ⏱
You will be able to submit SWIFT transfers in EUR at anytime.
It is necessary to consider the bank holidays of the banks through which the transfer will pass.
Different time zones can also affect the delay of transmission and reception of the transfer.
👆Good to know:
SWIFT transfers in EUR can be executed 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 in EUR, 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 for most of the currencies.
At this day, your Qonto account does not allow you to transfer currencies to individuals that are not businesses but professional such as contractors/freelancers are allowed.
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.
List of accepted countries ✅
Albania
Algeria
American Samoa
Andorra
Angola
Anguilla
Antigua and Barbuda
Argentina
Armenia
Aruba
Australia
Azerbaijan
Bahamas
Bahrain
Bangladesh
Barbados
Benin
Bermuda
Bhutan
Bolivia
Bosnia and Herzegovina
Botswana
British Virgin Islands
Brunei Darussalam
Burkina Faso
Cambodia
Cape Verde
Cayman Islands
Channel Islands
Chile
China
Christmas Island
Cocos (Keeling) Islands
Cook Islands
Costa Rica
Ivory Coast
Dominica
Dominican Republic
Ecuador
Egypt
El Salvador
Ethiopia
Falkland Islands (Malvinas)
Faroe Islands
Fiji
French Polynesia
Gabon
Gambia
Georgia
Ghana
Greenland
Grenada
Guatemala
Guinea
Guinea-Bissau
Guyana
Haiti
Holy See (Vatican City State)
Honduras
Hong Kong, SAR China (locally, via CHATS system)
India
Indonesia
Israel
Jamaica
Japan
Kazakhstan
Kenya
Kiribati
South Korea
Kosovo
Kuwait
Kyrgyzstan
Lao
Lebanon
Lesotho
Liberia
Macao, SAR China
Macedonia (Republic of North)
Malawi
Malaysia
Maldives
Mali
Marshall Islands
Mauritania
Mauritius
Mexico
Micronesia (Federated States of)
Moldova
Mongolia
Montenegro
Montserrat
Morocco
Mozambique
Namibia
Nauru
Nepal
New Caledonia
New Zealand
Nicaragua
Niger
Niue
Norfolk Island
Oman
Palau
Panama
Papua New Guinea
Paraguay
Peru
Philippines
Qatar
Rwanda
Saint Helena
Saint Kitts and Nevis
Saint Lucia
Saint Vincent and Grenadines
Samoa
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
Serbia
Seychelles
Sierra Leone
Singapore
Solomon Islands
South Africa
Sri Lanka
Suriname
Taiwan (Republic of China)
Tajikistan
Tanzania (United Republic of)
Thailand
Timor-Leste
Tonga
Trinidad and Tobago
Tunisia
Türkiye
Tuvalu
Uganda
Ukraine
United Arab Emirates
United Kingdom
United States of America
Uruguay
Uzbekistan
Vanuatu
Vietnam
Wallis and Futuna Islands
Zambia
How can I initiate a SWIFT transfer in EUR?
💻 On your web app
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Go to the Business Account section
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Click on the Transfers tab and click on Make a transfer
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Select International transfer
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In case you have several accounts, select the one you want to debit
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Select the amount and the currency (EUR)
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Select a beneficiary or enter the information about a new beneficiary. We will save this beneficiary automatically so that you won't have to create it again
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Enter the transfer reference (optional)
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Add an Attachment such as a bank statement or an invoice, so the transfer can be verified (for transfers of more than €30 000)
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Take a last look on the transfer details, and click on Submit
📱 On your mobile app
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Go to the Menu section
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Click on Transfers
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Click on the + symbol on the top right corner
- Click on Add transfer details
You have other options in order to personalise your transfer. Click on the toggles of the following options you want to use:
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Beneficiary notification, in case you want us to send an email to the beneficiary with transfer details
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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
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Click on Continue
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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.
👆Good to know: if you want to find/check a BIC/SWIFT code, you can use our BIC/SWIFT search engine.