Operations related to your Qonto account appear immediatly in your transactions history and your available balance is instantly updated.
Only some very specific actions won't be visible straight away: in-progress outbound transfers, scheduled transfers and recurring transfers remain in the 'Transfers' view until they are completed.
When you use your Qonto MasterCard, the transaction may show a label depending on its state:
- A card transaction labelled as 'Processing' has been authorised but the account of the merchant hasn't been credited yet
- A card transaction without any label is 'Settled' and the account of the merchant has been credited
- A card transaction labelled as 'Declined' hasn't been authorised (learn more)
- A card transaction can be 'Reversed' if the payment has been authorised but the merchant finally cancelled the transaction; this operation will disappear from your 'History'.
Transaction states are important to understand how the balance of your account is calculated.