You can top-up your Qonto account by wiring money to it through a simple bank transfer.
From an account in the SEPA zone
In this case, the procedure is standard and quite easy to achieve.
In order to transfer money to your account, simply initiate a bank transfer to your Qonto account using its IBAN (International Bank Account Number) and BIC (Bank Identifier Code) numbers.
Both numbers are included in the 'Welcome email' you received when opening your Qonto account. However, it is also accessible online in the Details & Statements tab of your account, on your web or mobile app.
From an account outside the SEPA zone
From an account outside the Eurozone, it's just as simple. Qonto allows you to receive transfers from most countries in the world, in most currencies, via the SWIFT network (Society for Worldwide Interbank Financial Telecommunication).
All you have to do is initiate a bank transfer to your Qonto account using its SWIFT code. You can find this number in the Details & Statements section of your Qonto app. It can also be found in the international transfers section of your IBAN.
One last thing: Qonto being a new bank in the SWIFT network, it’s possible that some banks may not recognize us. In this case, the funds will be returned to the issuer, and additional charges may be applied by the issuing bank. Please remember to specify the BIC of our correspondent bank in the appropriate field before executing the transfer: BNPAFRPP.
For now, we cannot support instant transfers.