How can I receive an international SWIFT 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, and of course euros !

👉 See below In which currencies and from which countries ?

What's the receiving time? ⏱

SWIFT transfers are credited to our customers' accounts within 5 business days (excluding weekends and banking holidays). This time frame varies depending on the time zone, the creation time of the transfer, 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.

How does it work? 🤓

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 History section, then click on Account details. You'll be able to directly download your bank details and send them to your customer abroad.

• IBAN: FR7616958000 ...

• BIC: QNTOFRP1XXX

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.

However, Qonto is still a young actor in the SWIFT market, and it may happen that some banks are unable to locate us.

To avoid this, we advise you to include the mention of the BIC SWIFT of our intermediary partner bank:

• Intermediary Bank BIC SWIFT: BNPAFRPP

With this additional data, the funds will easily get to your Qonto account.

☝️ This BNP mention should not replace your Qonto contact details. The BNP BIC must be entered in the "intermediary bank" field.

In which currencies and from which countries ?

We are not yet able to receive all world currencies. 💸

We strive to offer the most popular currencies in the world, but we still have some limitations. However, our services are evolving rapidly so if a currency is not on the list, do not hesitate to let us know, we will report your need to our Product team.

👉 Even if we handle the reception of transfers in all the currencies listed below, please note that your Qonto account can only receive funds in euros. Amounts received in foreign currencies are automatically converted to credit your account.

For more information: How much does receiving a SWIFT transfer cost?

List of accepted currencies ✅ (incoming SWIFT transfers)

List of unaccepted countries ❌ (incoming SWIFT transfers)

In addition, there is 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 business days.

Russia : The ongoing Russian-Ukrainian conflict has led to numerous sanctions, including the indefinite expulsion of some Russian banks from the SWIFT money transfer network.

As this list evolves regularly, please do not hesitate to contact our support team for more information on this topic.