Sending and receiving times for outgoing transfers
With Qonto, transfers are instant by default and are received within 10 seconds – even on weekends and public holidays.
If your instant SEPA fails, you may have the possibility to choose and send a standard SEPA transfer instead. SEPA transfers are usually received within 24 to 48 business hours (Monday to Friday) after they’ve been sent.
Sending time depends on the type of transfer you're making:
- Instant SEPA: sent within 10 seconds, any day of the week
- Standard SEPA created before 10:30AM on a business day: sent the same day.
- Standard SEPA created after 10:30AM (or on weekends/public holidays): stays "In progress" until the next business day.
- Non-euro SWIFT transfer: sent within 5 business days. It stays "In progress" until it is sent.
Please make sure that you have a sufficient balance to process your transfer to avoid any rejected transfers.
If your account has been debited, but your beneficiary has not received their funds :
immediately for an instant transfer
after 48 business hours for a standard transfer
Step 1: Check your mailbox, if you have not received any information request from Qonto regarding the transfer, if so, respond to it.
Step 2: Send the proof of transfer to the beneficiary so that he can ask his bank to do an internal research
Step 3: Finally, contact our Customer Service
☝️ Did you know?
Transfers between Qonto accounts are instant ! ⚡️
Once your transfer has been sent, you can download a proof of payment. 📄