How to make a transfer in euros?
Updated this week

There's nothing easier than processing a transfer!

You can make a transfer directly from your web or mobile app.
With Qonto, you can initiate instant SEPA transfers! How? Just follow the steps below👇

💻 On your web app:

  • Go to the Business Account section

  • Go to the Transfers section

  • Click on the black + icon in the top right corner of your screen

    You will have 2 choices :

    1- Upload an invoice

    If you have an invoice, upload it right now!

    • The system will gather information on the invoice whenever it is possible (beneficiary / iban, amount, reference),

    • You will be able to modify any field, the account to debit, schedule a recurrence, send notification to the beneficiary, add bookeeping details.

    2- I don’t have an invoice / Add transfer details

    If you don’t have an invoice, follow this steps:

    • Go to SEPA transfers in euros

    • Choose or add a new beneficiary

    • Enter the information needed (account to debit / amount / category / reference)

    • Scheduling and recurrence allows you to define the date you want the transfer to be emitted, or choose a frequency if you wish to make it recurring

    • Attachment, if you want to add a supporting document to your transfer, or in case the amount exceeds 30,000 euros

    • Beneficiary notification, in case you want us to send an email to the beneficiary with transfer details

    • Bookkeeping details, which allows you to define beneficiary VAT rate, custom labels in case you have it in your price plan, and a note to remember what this transfer is about

    • Take a last look at your transfer, and make sure that all information is correct! Here your transfer is automatically set as INSTANT but you can also chose the option to make your transfer standard (received through 48 business hours max).

    • You will probably be asked to confirm the operation with you mobile phone

📲 On your mobile app:

  • Go to the Menu section

  • Click on Transfers

  • Click on the black + icon on the top right corner of your screen

You will have 2 choices :

1- Upload an invoice (coming soon on mobile)

If you have an invoice, upload it right now!

  • The system will gather information on the invoice whenever it is possible (beneficiary/iban, amount, reference),

  • You will be able to modify any field, the account to debit, schedule a recurrence, send notification to the beneficiary, add bookeeping details.

2- I don’t have an invoice / Add transfer details

If you don’t have an invoice, follow this steps:

  • Select a beneficiary or enter the information about a new beneficiary: complete name as indicated on the RIB (name / first name / company name), IBAN, VAT rate, Category or Associated labels, etc. We will save this beneficiary automatically so that you won't have to create it again.

  • Enter the transfer’s amount and reference (you can save up to 135 characters in the reference field)

  • Scheduling and recurrence allows you to define the date you want the transfer to be emitted, or choose a frequency if you wish to make it recurring

  • Attachment, if you want to add a supporting document to your transfer, or in case the amount exceeds 30,000 euros

  • Beneficiary notification, in case you want us to send an email to the beneficiary with transfer details

  • Bookkeeping details, which allows you to define beneficiary VAT rate, custom labels in case you have it in your price plan, and a note to remember what this transfer is about

  • Take a last look at your transfer, and make sure that all information is correct! Here your transfer is automatically set as INSTANT but you can also chose the option to make your transfer standard (received through 48 business hours max).

  • You will probably be asked to confirm the operation with you mobile phone

☝️ Good to know :

You don’t need a new beneficiary to be validated before initiating a new transfer.


In order to save time, you can settle your VAT rate and associated label for every single beneficiary, by clicking on Bookkeeping, then Suppliers. Once it's done, you don't need to think about it anymore! You will find already filled-in the dedicated fields with the information, when you will create a new transfer while you are making it.

Managers may make transfers as their authorizations allow them to, within limits set by the Admin or the Account Holder.

Transfers between Qonto accounts are not deducted from your plan, and credited instantly! All you need to do is follow the same procedure as for a traditional transfer, by filling in the bank account details (IBAN) of your beneficiary.

At the moment, you can’t initiate an instant SEPA for scheduled, requested, recurring and bulk transfer.

☝️ Tips:

To save time on your SEPA transfers, use the link qonto.new in the search bar of your web browser. You will be taken directly to the SEPA transfers page.

You can also use the Suppliers Invoice section for your transfers and avoid filling manually all the transfer details.

🔁 You can now re-initiate some transfers that you have already made without having to recreate it again 🤩!

Click on the transfer you want to remake in your history tab, then on the right side you will see the button Repeat transfer.

You will be able to edit some transfer details and then validate it.

💡 If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone.

⏱ With the new iOS widget :

For those who want to go faster and faster, discover our new iOS Qonto mobile widget.

💡 A widget is a small module that you can add to your phone's home page, allowing you to control your applications or access information more quickly.

How do you add the widget to your home screen?

  • From your iPhone home screen, long press on any application, then click on Edit home screen ;

  • Click on the + button in the top left-hand corner, and the widget menu will appear.

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