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

Please 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 we notice that the balance of your account is low, you 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.

Cash deposits are not allowed. However, we do offer loans through our partner October (read more about the eligibility criteria in this article).

Currently available only in France.

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.