What is an inactive account?
Updated over a week ago

An account is considered inactive if Qonto did not notice any activity within the last 12 months, including:

  • Transactions

  • Log in attempts

  • Contacts to customer support from the account owner

According to the Eckert Law, Qonto has to list those accounts, inform owners, apply a specific billing and manage the funds.

What happens in case of inactivity?

Billing cycle

Automatically, after 12 months without contacts, transactions or log in attempts, Qonto will consider the account inactive and stop the current billing cycle you committed to.

The account will then enter a new billing cycle, with a monthly maintenance fee of €2.50 (€30 per year) charged as long as the account stays inactive.

💡 Your subscription, cards, and additional fees won’t be billed anymore.

An email will be sent to the owner and admins of your account, to inform you about the inactivity.

Remaining funds in the account

If the account is still inactive, Qonto will have to move the remaining funds on the account to the Caisse des Dépôts et Consignations (CDC).

The transfer will be done after 3 years in case of death, and 10 years in case of inactivity.

The funds will remain available for 30 years. After this period and if they are not claimed by the holder or his successors, the funds are definitively returned to the State.

👉 If you are looking for an inactive account hosted at the Caisse des Dépôts et Consignations (CDC), please fill in their form here.

What to do in case of inactivity?

In case you received an email about the inactivity of your Qonto account and you want it to be considered active again, you just have to perform one of the actions below:

  • Log in

  • Make a transfer

  • Receive a payment

  • Contact us

💡 Your subscription, cards, and additional fees will then be billed again, according to your previous plan and options.

If you don’t need your account anymore, you can also close your Qonto account.

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