What is Instant card and how to use it?
Updated over a week ago

⚡ Instant cards are available for Advanced, Business and Enterprise plans. Members added to Qonto as Managers can create Instant cards for themselves or their team members.

Instant card, your temporary virtual card

The Instant card is ideal for one-off expenses.

✔️ Set the budget and time validity that corresponds to a specific need: equipment purchase, team lunch, business trip, or any other one-time request.

✔️ Available immediately after creation, add it to Apple pay / Google Pay to pay in a shop, restaurant or gas station.

✔️ Instant card expires automatically on the date set.

I am an Admin or a Manager: How do I create an Instant Card?

From the section ‘Business Account’, click on 'Cards' and select the Instant Card.

Then choose:

  • An account associated with the card spend.

  • A card holder: you, or someone on your team already on Qonto.

  • A budget: Between €5 and €20,000, just like a virtual card. This budget can be changed at any time until the Instant card expires.

  • A time of use: Set the end date of use. After this date, the card will automatically expire. Please note that this date cannot be changed. If you need a payment after this date, you will have to create a new Instant card.

Once these parameters have been entered, the card can be used immediately and will be available in the Cards section of the selected card holder.

I'm an Admin or a Manager: How do I manage an Instant card?

  • Once the card has been created, no further action is required on your part: the Instant card will expire automatically on the date set.

  • If the cardholder needs to increase the initially set limit, you can change the card settings at any time from the Cards section.

  • From the Cards section, you can adjust the Instant card name to better fit its purpose (e.g. 'B2B conference', 'client visit in Berlin', 'offsite dinner'). In that way, you'll be able to better review cards and expenses.

⚠️ Please note that it is not possible to change the expiry date. If you need a payment after this date you will have to create a new Instant card.

I am an Employee: How do I get an Instant card?

You can now apply for an Instant card directly from the web or mobile application*. You don’t need to provide proof of identity to request an Instant card.

  • From the section ‘Business Account’, click on 'Cards'

  • Click on Request a card.

  • Select the type of card

  • Define the budget and the period of validity of the card

  • Add the context of your request in the notes field

  • Click on Submit Application.

And that's it! The Admin or Manager will then validate your request.

A mobile or email notification will alert you when your request has been processed.

☝️ You can also make your requests, as well as track existing requests in the Requests tab of your application.

How do I use an Instant card?

  1. Pay online by getting the card information from the app (Cards section) and copy it on one click. Pay in store by adding the card to Apple Pay or Google Pay.

  2. The Instant card will automatically expire on the date set. Be careful, this date cannot be changed. If you have to pay after the date, you will have to ask for a new Instant card.

Good to know: Remember to add your payment receipt. You can take a picture of the receipt from your application or forward a receipt by email

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