If you want to proceed to the initial capital increase with Qonto, you need to be willing to complete the deposit in its entirety, before to get the deposit certificate.
French companies can benefit from a reduced tax rate (for more information, in French, see section III. A. here).
Be aware that your personal bank account might include some restrictions regarding the maximum amount of money that you can transfer at once.
In order to avoid any inconvenience, we recommend that you check the limitations of your personal bank account with regard to transfers. You might want to get in touch with your bank to lift these limitations.
Otherwise, you can proceed to the initial capital increase by completing several transfers.
Furthermore, please note that Qonto is not able to let you incorporate a new share company with variable capital or non-cash contribution.