There's nothing simpler than sending a transfer! Perform this operation from your web or mobile app.
With Qonto, you can initiate instant SEPA transfers! How? Just follow the steps below👇
👆Good to know: One-time, scheduled and recurring transfers are configured by default as an instant transfer. In case of rejection (limit reached/technical issue) it will automatically be processed as a standard transfer (up to 48 business hours to reach the beneficiary's account).
💻 On your web app:
- Go to the Business account tab in your Qonto space
- Access the Transfers section
- Click on the black icon + Make a transfer in the top right corner of your screen
You will have 2 choices:
1- Upload an invoice
If you have an invoice to pay, you can import it at the beginning of the process.
- Select SEPA transfer via invoice import.
- Import your invoice.
- Qonto automatically retrieves available information, such as the beneficiary, IBAN, amount and reference.
- Check the pre-filled information.
- Modify or complete the fields if necessary.
- Choose the account to debit.
- Set an execution date or recurrence if needed.
- Choose whether you want to notify the beneficiary by email.
- Check the transfer information one last time before validating it.
You will be asked to confirm the operation using your mobile phone.
☝️Good to know: The imported invoice must not exceed 15 MB.
2- I don't have an invoice / Add transfer details
If you don't have an invoice, you can enter the transfer information manually.
- Click on Add transfer details.
- Select SEPA transfer in euros.
- Choose the account to debit.
- Choose a beneficiary or add a new beneficiary.
- The new beneficiary will be automatically saved.
- Most frequently used beneficiaries may appear at the top of the list.
- You can also search for a beneficiary using their IBAN.
- Enter the amount.
- Add a reference if you wish.
- The reference is optional.
- If left blank, it will be automatically completed with "Sent from Qonto".
- You can enter up to 135 characters.
- Set an execution date or recurrence if needed.
- Choose whether you want to notify the beneficiary by email.
- Check the transfer information one last time before validating it.
You will be asked to confirm the operation using your mobile phone.
📲 From Your Mobile App:
- Go to the Transfers section and click on the black + icon located in the top right of your screen
You will have 2 choices:
1- Upload an invoice
If you have an invoice, upload it now!
- The system will retrieve information from the invoice whenever possible (beneficiary/IBAN, amount, reference),
- You can modify any field (the account to debit, schedule a recurrence, send a notification to the beneficiary, add accounting details).
Here's how to proceed :
- Click on Add an invoice.
- Take a photo of the invoice or import it from your mobile.
- Qonto automatically retrieves available information, such as the beneficiary, IBAN, amount and reference.
- Check the pre-filled information.
- Modify or complete the fields if necessary.
- Choose the account to debit.
- Set an execution date or recurrence if needed.
- Choose whether you want to notify the beneficiary by email.
- Check the transfer information one last time before validating it.
You will be asked to confirm the operation using your mobile phone.
☝️Good to know: The imported invoice must not exceed 15 MB.
2- I don't have an invoice / Add transfer details
If you don't have an invoice, follow these steps:
- Click on Add transfer details.
- Select SEPA transfer in euros.
- Choose the account to debit.
- Choose a beneficiary or add a new beneficiary.
- The new beneficiary will be automatically saved.
- Most frequently used beneficiaries may appear at the top of the list.
- You can also search for a beneficiary using their IBAN.
- Enter the amount.
- Add a reference if you wish.
- The reference is optional.
- If left blank, it will be automatically completed with "Sent from Qonto".
- You can enter up to 135 characters.
- Set an execution date or recurrence if needed.
- Choose whether you want to notify the beneficiary by email.
- Check the transfer information one last time before validating it.
You will be asked to confirm the operation using their mobile phone.
☝️ Good to know: the transfer is configured by default as an instant transfer but you can also choose to uncheck this setting and make a standard transfer (received within 48 business hours).
To save time, you can set your VAT rate and the associated label for each beneficiary by clicking on Accounting management, then Suppliers. Once done, you no longer need to think about it! You will find the dedicated fields already filled with the information when you create a new transfer while making it.
Add an attachment or accounting information
Attachments and accounting information are no longer added during transfer creation.
Once the transfer is executed, you can add them from the transaction:
- Go to Transfers or History.
- Open the relevant transaction.
- Add your attachments, VAT rate, labels or accounting notes.
Managers can make transfers if their permissions allow, within limits defined by the Admin or Account owner.
Download a transfer confirmation
You can download a transfer confirmation immediately after sending the transfer.
This confirmation is available for instant and standard transfers.
You can access it:
- from the Transfers tab;
- or via the Share button on mobile.
This confirmation can be used as proof of sending to a supplier or partner, even if the transfer has not yet been received by the beneficiary.
Useful information
Managers can make transfers if their permissions allow, within limits defined by the Admin or Account owner.
Transfers between Qonto accounts are not deducted from your plan and are instantly credited to the beneficiary.
If you are eligible, you can finance your suppliers' invoices and activate the Pay later option. Your supplier will be paid, but your account balance will not be immediately impacted. You will then repay in three monthly installments debited from your account.
If your transfer exceeds €100,000 or if your beneficiary is not reachable via instant SEPA transfer, the transfer will be automatically made as a standard transfer.
If you make a transfer to a closed account, contact the beneficiary so that their bank confirms the return of funds to your Qonto account. The funds should be automatically returned.
💡 If you have configured strong authentication on your account, you will receive a confirmation request on the associated phone.
☝️ Tips
To save time on your SEPA transfers, add qonto.new to your browser's search bar. You will be directly redirected to the transfer management page.
You can also go through the Supplier invoicing tab to make your transfers and avoid entering all your partner's information.
🔁 You can repeat certain transfers already made without having to re-enter them.
To do this:
- select the transfer to repeat in the Transactions section;
- click on Repeat transfer in the right panel;
- modify the information if necessary;
- validate the transfer.
⏱ With the new iOS widget:
For those who want to go even faster, discover our new Qonto iOS mobile widget.
💡 A widget is a small module that you can add to your phone's home screen, allowing you to control your applications or access information more quickly.
How to add the widget to your home screen?
- From your iPhone's home screen, long press on any app, then click Edit home screen;
- Click on the + button that appears in the top left corner, the widget menu will then appear;