COVID-19 - Important information

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How to deposit a check with Qonto ?

🇫🇷This article only applies to companies registered in France

Qonto makes check deposits accessible to you. This feature shall be used as an exceptional solution, in case your customers have no other available payment option.

Transfers offer more advantages, both in efficiency and security. Find out more about transfers

How to deposit a check on your desktop application?

  1. Access your Qonto account,
  2. Click on the Check Deposits section, then on Deposit a check,
  3. Fill in the check information,
  4. Send us your check by mail within a week to the address that appears on your screen. If we do not receive the check in time, we won’t be able to register the transaction.

How to deposit a check on your mobile application?

  1. Open the check section in the More tab,
  2. Click on Deposit a check and follow the instructions,
  3. Fill in the check information,
  4. Send us your check by mail within a week to the address that appears on your screen. If we do not receive the check in time, we won’t be able to register the transaction.

Note: You don't need to endorse a check to deposit it. 

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The amount collected by check cannot exceed €10.000 per 30 running days, within the limit of €5.000 per single check. Checks must be made out to the legal company name (therefore, make sure it matches the name on your Qonto account). We are currently working to resolve this limitation.

How long does it take to deposit a check?

After we’ve received the check by mail, it takes 24 hours for cheques under €1,000 (and 15 days for other amounts) before the corresponding amount is credited to your Qonto account. However, this is only valid if you have an account on our own banking platform (i.e. if your BIC starts with QNTO).

If your account is still hosted on our partner Treezor's platform (i.e. if your BIC starts with TRZO), then all checks are processed within 15 days.

This is necessary because check deposits come with heavy manual processing to register the transaction and avoid fraud.

Good to know: 
In order to protect our operators in charge of checks processing, we have applied some preventive measures against the COVID-19 pandemic. All cheques are confined for 2 days after receipt. After these 2 days, they will be processed by our teams within the usual timeframe.

 

Note: Fraud attempts and inconsistencies of the check’s information will result in additional fees.

 

>> See the applied fees

Do you still have questions?

If you can't find the answer to your question in our FAQ, you can always contact us. We will answer you shortly!