After creating your Qonto account, you have four different options for topping it up for the first time. They are available on all plans.

  1. Top up by card

    You can top up your Qonto account using a different bank card of yours or via Google Pay. The funds will appear on your account instantly. The minimum amount is 10 € and the maximum is 1 000 €. It is currently available on desktop only and it can be used only once per organisation.

  2. Initiate an instant SEPA-in

    In case your current banks allows you to emit Instant SEPA transfers, you can top up your Qonto account by transfer in 10 seconds, any day of the week.

  3. Initiate a standard SEPA-in

    Standard SEPA transfers also work. It can take up to 2 to 3 days.

  4. Receive a payment

    You can download and share your IBAN details with a third party for instance with your customers and ask them to make their next payment into your Qonto account.

☝️ Good to know: You can add money to your account right after your contract has been signed. It will be available for you to use (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.

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