How can I renew a physical card when it expires ?
Annabelle avatar
Written by Annabelle
Updated over a week ago

Is a card belonging to you or a team member about to expire?

Renewing a Qonto card requires very little effort on your side. The process is clear and automated, so you can keep paying for whatever your business needs. Plus, it’s completely free.

On which exact date does my card expire?

The expiration date is written on your card as follows: MM/YY. That means the card will be valid until the very last day of the month indicated.

For example, if the expiration date displayed on the back of your card is 07/22, it means that your card will be valid until 23:59:59 on July 31, 2022 and will no longer work on August 1, 2022.

How and when am I informed about my card’s expiration?

I am a cardholder (regardless of my role in the company):

  • 10 weeks before the day your card expires, you will receive a first email prompting you to confirm or update your delivery address. You have 2 weeks to update or confirm it.

    💡If you haven’t confirmed or updated you delivery address within these two weeks, the card will be sent by default to your company address.

  • 6 weeks before the day your card expires, your new, replacement card will be sent to the address that appears in your Qonto interface. You’ll receive a push notification message on your phone indicating the estimated delivery time and the delivery address.

  • Around 5 weeks before the day your card expires, you should receive your new card at the given address. Once you’ve received your new card, simply activate it directly from your Qonto interface.

I am an Admin or Manager and manage a fleet of cards:

  • 10 weeks before a card expiration date, you will receive an email indicating that one or more cards in your fleet will soon expire and that a replacement card (or cards) will be sent to you automatically.

What happens if my physical card is attached to Google or Apple Pay ?

Google and Apply Pay will be automatically updated with your new physical card’s information 45 days before your old card expires. In other words, 6 weeks before your old card expires, it will be replaced by your new virtual card information.

What happens to my new physical card informations and settings?

Your physical card will have a new credit card number. To avoid having failed transactions once your old card expires, it’s important you provide these new card details to the merchants where you have recurring payments. Otherwise you risk having transactions declined once your old card has expired.

Some merchants have automatic access to the new card information for recurring payments, so your new card may be debited in these cases without you having to do anything.

While the card number will change, the card’s settings will not. The new card will maintain the same payment limits and settings as the old card.

What happens if my virtual card is about to expire?

In the case of a virtual card, you will receive an email 1 month before its expiration date informing you that it’s about to expire. You will need to create a new virtual and reconfigure your personal options and settings.

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