Your account cannot be overdrawn. That's why we always check your balance before authorizing any payment.

Make sure that your balance enables you to honor your commitments.

The low-balance status makes it impossible for you to process any new payment - including card payments, transfers, and direct debits - until you top up your account.

If the balance of your account is low, you'll receive an alert. This occurs when your current balance does not allow you to honor transfers, subscriptions, and direct debits scheduled in the next 14 days.

Depending on your business and your needs, you can choose to use Qonto as your main business account or as a secondary account for all your day-to-day operations.