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. The maximum amount for an incoming instant transfer is €100,000.
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.
⚠️The rejection of a VSOT transfer can result in up to 30€ of fees
You're expecting a SWIFT transfer?
👉 See this article to get information on incoming SWIFT transfers receiving time:
You have yourself initiated a transfer?
👉 See this articles to get information on outgoing transfers receiving time :