The execution of a transfer depends on the issuer's bank.

Within the Single Euro Payments Area (SEPA), standard transfers are completed within 24 to 48 business hours.

On their side, Instant SEPA transfers only take 10 seconds.

If you're expecting an incoming SEPA transfer but haven't received it after 48 business hours, we suggest that the emitter gets in touch with their bank in order to ask for a proof of transfer. This document is useful in order to check the information entered.

❌ Your Qonto account cannot receive treasury/VSOT transfers.

If the emitter made this type of transfer, it'll be back to them under 4 business days.

Have you initiated a transfer in a foreign currency?

Foreign currency transfers (or SWIFT format) are received within 5 business days.

If your beneficiary hasn't received the funds within this time we recommend you to double-check the beneficiary's IBAN entered.

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