Instant transfers: from account to account in 10 seconds

Instant transfers help you avoid late payment fees and blocked orders. The money you send arrives at its destination in instantly, and so does the money others send you. At no additional cost. Whenever you want, wherever you are.


on App Store


on Play Store


on Trustpilot

Over 400 000 companies trust Qonto

Enjoy a new era of bank transfers

  1. Collect bills & pay suppliers in under 10 seconds
  2. Make immediate transfers whenever you want, 24/7
  3. Higher limits: transfer up to €15,000 at no extra cost
  4. Transfer across the SEPA zone on any device

You’re in good hands


Your funds are held securely by Crédit Mutuel Arkéa and covered by the FGDR up to €100,000.


Questions come at any time. So we’re here 24/7 to answer them.


Qonto is a payment establishment supervised by the ACPR, an organ of the Banque de France.
3 reasons to switch to instant transfers

Save time

Strengthen trust with your partners

You can focus on your business

How to make an instant SEPA transfer with Qonto


Log in to your account


Enter the payment details


Check your SEPA transfer details

Make foreign currency SWIFT transfers

Need to pay your suppliers in foreign currency? With Qonto, you can make SWIFT transfers in 25 currencies in a 5-day delivery time.

All the payment methods your business needs

Business Mastercards

Compatibles with Apple Pay and Google Pay, pick the right card for your business: physical, virtual or temporary Flash cards.
Compare cards

Mobile payment terminal

Taking payment by card? Order a smart mobile payment terminal that offers low commissions per transaction.
Get equipped

SEPA direct debits

Master your cash flow: make your payments at the right moment thanks to automatic SEPA direct debits.
Discover SEPA direct debits

All you need to know about instant transfers

How long do instant bank transfers take?

What’s the maximum amount you can send by instant transfer (recurrent, occasional or deferred)?

What are the advantages compared to normal transfers?

How do instant transfers work?

Which banks offer instant transfers?

Can you cancel an instant transfer?

Möchten Sie zu Deutsch wechseln?

Möchten Sie diese Webseite auf Deutsch ansehen?