🇫🇷 This article only applies to companies registered in France

Qonto makes check deposits accessible to you. This feature shall be used as an exceptional solution, in case your customers have no other available payment option.

Transfers offer more advantages, both in efficiency and security. Find out more about transfers

How to deposit a check on your desktop application?

  1. Access your Qonto account,

  2. Click on the Check Deposits section, then on Deposit a check,

  3. Fill in the check information,

  4. Send us your check by mail within a week to the address that appears on your screen. If we do not receive the check in time, we won’t be able to register the transaction.

How to deposit a check on your mobile application?

  1. Open the check section in the More tab,

  2. Click on Deposit a check and follow the instructions,

  3. Fill in the check information,

  4. Send us your check by mail within a week to the address that appears on your screen. If we do not receive the check in time, we won’t be able to register the transaction.

Note: You need to endorse a check to deposit it.

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The amount collected by check cannot exceed €30,000 per 30 running days, within the limit of €15,000 per single check. Checks must be made out to the legal company name (therefore, make sure it matches the name on your Qonto account). We are currently working to resolve this limitation.

How long does it take to deposit a check?

For checks under €3,500, it takes 5 calendar days (and 18 days for other amounts) before the corresponding amount is credited to your Qonto account.

This is necessary because check deposits come with heavy manual processing to register the transaction and avoid fraud.

Note: Fraud attempts and inconsistencies of the check’s information will result in additional fees.

>> See the applied fees

How can I cash-in a check above €15,000?

You can cash-in checks above €15,000. In this case, the process is different than the standard procedure for checks of smaller amounts.

For that, you can contact our customer service via chat and send us:

👉The collection period is 20 days

Does Qonto allow check payments?

As of today, you won’t be receiving a checkbook when you open a Qonto account.

We advise you to use transfer payments, which offer more advantages, both in efficiency and security.

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