How can I receive a non-euro transfer?

Qonto allows you to receive transfers from most countries in the world, in most currencies, via the SWIFT network (Society for Worldwide Interbank Financial Telecommunication).

What does that mean?

Your US customers can pay you in dollars (USD), and your Japanese partners can pay you in yen (JPY). You can also receive zloty (PLN) sent from Canada, or rupee (INR) sent from Mexico.

Here is the complete list of accepted currencies :

👉 Since your account can only be credited in euros, the amount you receive will be automatically converted.

How can I do it?

Similar to receiving a SEPA transfer, you just have to send your Qonto account’s bank details to your international client.

To do this, simply go to the Details & Statements section of your Qonto application. You'll be able to directly download your bank details and send them to your customer abroad.

These bank details are systematically issued in five languages: French, English, Spanish, German & Italian. Your client will find all the information he needs to make the transfer himself or ask his bank to do it for him.

What's the delay?

SWIFT transfers are credited to our customers' accounts within 3 working days (excluding weekends and banking holidays). This timeframe varies depending on the time zone, what time the transfer was sent, and on the issuing currency and bank.

Due to regulations, single non-euro transfers are subject to specific checks depending on the country of origin and on the amount. We may contact you to request additional information before we are able to credit the funds to your account.

Are there any exceptions?

There is indeed a list of countries from which SWIFT transfers are not accepted for legal reasons.

👉 If a transfer comes from one of these sensitive countries, it will be returned to the issuing bank within 5 working days.