Today, Qonto is the European leader for Finance Management for SME and freelancers that allows you to proceed to the capital deposit of your company online.

As we are always as transparent as possible, in comparison to the traditional players, you will find below the steps and to verifications necessary to do your capital deposit with Qonto.

You will get two versions of your certificate (digital copy and original paper) in order to facilitate your registration at the Registre du Commerce et des Sociétés (RCS).

These are the steps you will follow:

Step 1: Your registration

You begin your capital deposit by filling up the online form here. We will need the following documents:

  • Your articles of incorporation or bylaws (including the following modifications)

  • Your proof of identity in compliance with our rules of eligibility

  • A proof of address for your incorporating company, less than 3 months old

Choose the pricing adapted to your situation, including the fees linked to the capital deposit and your Qonto subscription (see the pricing here).

👩‍✈️ Your bylaws include several associates? We need their supporting documents to validate your application and go to step 2.

☝️ Make sure that you fit all the eligibility criteria before starting your registration for the capital deposit. This will allow you to finalize your register lightning fast ⚡️.

Step 2: Verification of your application

As soon as we receive all your information, your application will be checked by our dedicated team within 24 hours.

Once your application is accepted, you will proceed to the next step.

Step 3: Transfer of your capital

At this step, we get into the heart of the matter!

Your application is validated, and you will obtain a temporay IBAN sent to you by email. Now, each associate need to make a bank transfer of their share from their personal bank account (owned by himself as an individual) and as mentioned in the bylaws uploaded during step 1.

👩‍✈️ Make sure that :

  • The transfer is not made from a bank account that's not owned by the associate (that's not in their name)

  • The transfer is not made from a payment service (Wise, Western Union, Lydia, Paypal...)

  • None of the associates uses VSOT cash transfers

☝️ The bank transfer can be made from a joint account.

Step 4: Origins of the funds' review

If you opt for instant SEPA transfer, we'll immediately receive the transfer(s). ⚡️ Otherwise, it can take up to 48 hours (depending on the bank transfer delays).
After receiving the transfer(s), we'll check the origins of the funds, and let you proceed to step 5.

☝️ Make sure that all the associates do the transfer at a similar date. This will prevent you from delays, waiting for all the funds.

Step 5: Your deposit request

The funds' origin has been checked and validated!

We will send you and deposit request under 24 open hours and will await your online signature.

Step 6: Signature of your capital deposit certificate

As soon as the deposit request is signed, we will transfer the funds to the notary. He will then sign your deposit certificate once he will receive the funds (within 72 business hours).

Step 7: Your deposit certificate

Your certificate is ready!

Two versions are available:

1 - The digital deposit certificate: sent by email by the notary as soon as your funds will be received by him. You can register your company online with this document on Infogreffe website.

2 - The original deposit certificate: sent by postal service by the notary within 7 open days after he receives your capital deposit.

Step 8: Your company registration

With your deposit certificate, you can now send this document to the Greffe du Tribunal de Commerce in order to obtain your Kbis!

☝️ The easiest solution is to start your registration online on Infogreffe.

💡 If you are assisted by a partner for your registration documents and your procedures for the registration of your company, you just have to complete your application on their website. Once the dossier is completed on their side (don’t forget to include your deposit certificate), they will take care of your registration through Infogreffe.

⚠️ You must sign your bylaws before submitting them to the Greffe. Make sure the date you sign the bylaws is after the date on your Deposit certificate. Also, if you include the date you obtained the Deposit certificate in your bylaws, make sure it matches the date on the Deposit certificate.

Example: For a certificate signed on 01/01/2022, the bylaws must be signed on 01/01/2022 at the earliest.

Step 9: Your Kbis

To finish your capital deposit process, we need your Kbis. Please upload it on your Qonto account.

☝️ This operation needs to be done from a computer and on Google Chrome.

👩‍✈️ Make sure that you receive your final Kbis: the document needs to mention the SIREN number of your company. It is proof that your company is now registered at the RCS.

Step 10: Validation of your Qonto account

Once the RCS number is recognized in the legal bases, your account will be validated and activated.

☝️ You can now download your definitive IBAN and share it with your partners.

Step 11: Your capital restitution

When the restitution request will be received by the notary, the funds will be credited on your Qonto account within 5 to 7 open days.

Step 12: Your Qonto card

Discover the features of your account and order your credit card right away.

The adventure can now begin 🚀

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