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

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

If you're expecting an incoming SEPA transfer but haven't received it after two business days, we suggest that your debtor gets in touch with his/her 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 the following transfers:

  • Immediate, Urgent and Instant transfers,
  • treasury/VSOT transfers.

If your debtor made one of those transfers, it'll be back to him/her under four business days.

Have you initiated a transfer in a foreign currency?

Foreign currency transfers (or SWIFT format) are received within 5 working 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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