The top-up by card feature is available on all plans, for all eligible organizations, even if you've already topped up your account before.
Am I eligible for this feature?
Your account needs to meet all of the following conditions:
You're the account Owner or Admin.
You've completed your identity verification.
You don't have a Penta or Regate partner code on your account (your account is not linked to their partner programs).
Your Qonto account is active and you do not have an active account deactivation request.
Your organization was not created through the capital deposit process.
Your organization's legal form is not an association.
You can top up your Qonto account by card if you are based in one of the following countries:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France¹, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom of Great Britain and Northern Ireland.
¹Metropolitan France
How do I add money by card?
Log in to Qonto.
Go to your Overview page, or the Accounts page if you want to top up an account other than your main one.
Click on Add money in the account's balance widget.
Choose Credit or debit card.
Enter the amount you'd like to add (between €50 and €2,000).
Add the details of your other bank card.
☝️ 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, which usually takes up to 5 to 6 hours from the account opening. You can also use an external card to top-up your account to pay late installments of the Pay Later feature.
Can Qonto use my stored card to pay pending fees?
Yes. Your card details will be stored for future debits.
If you registered a payment method after 13 February 2024, Qonto may use your stored card to add funds to your main account and cover your first outstanding fees.
Example: If you have outstanding fees of €169 and a balance of €130, €39 will be charged to your registered card and added to your account. The full €169 will then be deducted, leaving your account with a balance of €0.
💡 You can delete your payment method by going to Settings > Pricing & Billing > Payment methods. Only the Owner will have access to the payment method and will be able to delete it.