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.
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Enjoy a new era of bank transfers
- Collect bills & pay suppliers in under 10 seconds
- Make immediate transfers whenever you want, 24/7
- Higher limits: transfer up to €50,000 at no extra cost
- Transfer across the SEPA zone on any device
You’re in good hands
Safe
Available
Reliable
3 reasons to switch to instant transfers
Save time
No more figuring out when to send a transfer so the payment arrives on time. No more sending proof.
Strengthen trust with your partners
Your money transfers completed in 10 seconds. Perfect for building trust with your business partners.
You can focus on your business
You’re notified instantly that the money you sent has been received. Job done; you can move on to whatever’s next.
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Save time
No more figuring out when to send a transfer so the payment arrives on time. No more sending proof.
Strengthen trust with your partners
Your money transfers completed in 10 seconds. Perfect for building trust with your business partners.
You can focus on your business
You’re notified instantly that the money you sent has been received. Job done; you can move on to whatever’s next.

How to make an instant SEPA transfer with Qonto
Log in to your account
From desktop or your mobile app, go to the Transfers tab, click on Make a transfer then select External transfer in euros.
Enter the payment details
Enter the beneficiary's details, transfer amount & reference number. Or just upload the payable invoice to your Supplier Invoices section and this data is pre-filled for you.
Check your SEPA transfer details
Instant transfers are irreversible. Always double check the bank details and the transfer amount before approving the transaction.
Log in to your account
From desktop or your mobile app, go to the Transfers tab, click on Make a transfer then select External transfer in euros.
Enter the payment details
Enter the beneficiary's details, transfer amount & reference number. Or just upload the payable invoice to your Supplier Invoices section and this data is pre-filled for you.
Check your SEPA transfer details
Instant transfers are irreversible. Always double check the bank details and the transfer amount before approving the transaction.
Log in to your account
From desktop or your mobile app, go to the Transfers tab, click on Make a transfer then select External transfer in euros.
Enter the payment details
Enter the beneficiary's details, transfer amount & reference number. Or just upload the payable invoice to your Supplier Invoices section and this data is pre-filled for you.
Check your SEPA transfer details
Instant transfers are irreversible. Always double check the bank details and the transfer amount before approving the transaction.
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Make international payments
Need to pay your suppliers in a foreign currency? With Qonto, you can make speedy international transfers in over 30 currencies via SWIFT or local networks.
All the payment methods your business needs
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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
Check deposit
A customer wants to pay by check? No need to bring it all the way to the bank. Simply send by post.
Learn more