Operations related to your Qonto account appear immediately in your transactions history, and your available balance is instantly updated.

Only some particular actions won't be visible straight away: in-progress outbound transfers, scheduled transfers, and recurring transfers remain in the 'Transfers' view until they are completed.

When you use your Qonto MasterCard, the transaction may show a label depending on its state:

  • A card transaction labeled as 'Processing' has been authorized, but the merchant's account hasn't been credited yet.
  • A card transaction without any label is 'Settled,' and the merchant's account has been credited.
  • A card transaction labeled as 'Declined' hasn't been authorized (learn more)
  • A card transaction can be 'Reversed' if the payment has been authorized, but the merchant finally canceled the transaction; this operation is not visible in your transactions 'History'.

Transaction states are important to understand how the balance of your account is calculated.

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