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How can I top up my Qonto account by card?
How can I top up my Qonto account by card?
Updated over a week ago

The top-up by card feature is available on all plans for organisations who haven't added money to their account yet. The feature can be used once per existing organisations and it is currently available on desktop or your mobile app.

During the registration process

At the end of the registration process, you are presented with two optional steps for getting started fast and easily: order your card and top up your account by card. At this point, you can choose to top up your account by card following the three steps below.

  1. Enter the amount you'd like to add. It needs to be between 10 and 1 000 €.

  2. Add the details of a different bank card of yours you'd like to add the money from. Alternatively, you can do it via Google Pay.

  3. If the transaction was successful, the amount will appear instantly on your account.

After the registration process

If you haven't used the top-up by card feature during the registration process (see above), you can choose to come back to it at a later point as long as you haven't used any other means of adding money to your account, like transferring money into it from another bank account or receiving a payment.

  • If you are on the Basic plan

You can top up your account on the Accounts page in a few clicks.

  1. Navigate to the Accounts page.

  2. Click 'Start' on the 'Top up your account instantly' discovery card.

  3. Follow the steps above.

  • If you are not on the Basic plan

If you have another plan than the Basic and you haven't added money to your account yet, you will receive an email 1 day after your account has been validated about the possible ways of topping it up. You will be able to access the top-up by card feature from this email on desktop and go through the top-up flow above in your Qonto account.

☝️ Good to know: Using the top-up by card feature, the money will appear instantly on your Qonto account if the transaction was successful. You will be able to start using it (e.g send money out of your account) once your account has been validated, it usually takes up to 5 to 6 hours from the account opening.

You can top up your Qonto account by card if you are based in one of the following countries:





Cyprus Czech Republic






France *

United Kingdom of Great Britain and Northern Ireland




















* Metropolitan France

Payment of waiting funds via stored card

Your card details will be stored for future debits.

Qonto will fund your main account with your stored card to pay the first pending fees if you have registered a payment method after 13/02/2024.

Example: If you have pending charges of €169 and your account contains €130, you will be debited the difference from your registered card to fund your account. Your account will then be debited for the full charge and you will have a remaining balance of €0.

💡 You can delete your means of payment by going to Settings > Pricing & Billing > Means of Payment. Only the owner will have access to the payment method and will be able to delete it.

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