Unlike traditional banks, Qonto shows you transactions in real-time. This implies that Qonto shows you all transactions, including those hidden in the background for other banks.

When you pay with your Qonto card, the merchant performs an authorization request to verify that you have the necessary funds on your account. This authorization is generally the amount of your purchase (unless exceptions) and appears in your history as a “pending” transaction.

The “pending” transaction will disappear once the transaction is confirmed or rejected by the merchant, usually 2-3 days after your payment. Without their return, the transaction can remain “in pending” status on your account up to 8 days before getting cleared.

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