Personal Finance Money transfer

International money transfer with Qonto from France: costs, procedures and processing times

Yasser Tahry
Yasser Tahry
11.11.25
Read time 3 minutes

Qonto is a French neobank designed for professionals — freelancers, SMEs, and startups. It offers a range of business-focused banking services, including account management, expense tracking, and invoicing tools.

One of its key features is the ability to make international transfers, allowing companies to send and receive money abroad easily. This guide explains how to make an international transfer from France with Qonto, including the associated fees and transfer times.

How can you make an international transfer with Qonto? What are the fees? And how long does it take? Let’s find out.

Making a SEPA transfer with Qonto

Sending euros from the Qonto website

To make a SEPA transfer from the Qonto web platform:¹

  1. Log in to your client area.
  2. Click on “Transfer,” then “Make a transfer.”
  3. Click on “Add transfer details.”
  4. Select “SEPA Euro transfer.”
  5. Choose the account to debit (if you have multiple).
  6. Enter the recipient’s details: full name or company name, IBAN, and VAT rate if applicable.
  7. Select the currency (EUR) and the recipient’s country.
  8. Enter the amount and payment reason.
  9. Attach any supporting documents such as an invoice.
  10. Confirm the transfer and complete the strong authentication if required.

Incoming SEPA transfers are processed within 24 to 48 hours, as per European regulations.
SEPA transfers are free with Qonto, provided you stay within your plan’s monthly limit.

Please note: transfers between two Qonto accounts are always free and do not count toward your monthly allowance.

Sending euros from the Qonto mobile app

To make a transfer from your smartphone or tablet:¹

  1. Open the Qonto app.
  2. Tap “Transfer,” then the black “+” icon.
  3. Choose “Add transfer details,” then select “SEPA Euro transfer.”
  4. Pick the account from which to send the funds.
  5. Select an existing beneficiary or add a new one.
  6. If adding a new one, enter their account information.
  7. Enter the amount and payment reason.
  8. (Optional) Add a note or attach an invoice for accounting purposes.
  9. Confirm the transfer — if strong authentication is enabled, confirm on your device.

Tip: iOS users can also make SEPA transfers directly from their home screen using the Qonto widget.¹

SWIFT transfers with Qonto: how it works

Making a SWIFT transfer from the web app

Here’s how to send a SWIFT transfer from the Qonto web interface:¹

  1. Go to “Business Account,” then “Transfers.”
  2. Click “Make a transfer” and choose “International transfer.”
  3. Select the source account, enter the amount, and choose the currencies.
  4. (Optional) Schedule a date or set up recurring transfers.
  5. Select a beneficiary or add a new one.
  6. Review the details and click “Confirm.”
  7. Validate with two-factor authentication.

SWIFT transfers generally take up to 3 business days to process (excluding weekends).¹

SWIFT transfer from the mobile app

  1. Open the menu and select “Transfers,” then tap “+.”
  2. Choose “International transfer,” then enter the amount and currency.
  3. (Optional) Schedule or set up recurrence.
  4. Select or add a beneficiary.
  5. Review and confirm.
  6. Approve with two-factor authentication.

Qonto international transfer fees

SEPA transfer fees with Qonto

Each Qonto plan includes a certain number of free SEPA transfers per month. Beyond that, a small per-transfer fee applies:²

PlanMonthly Price (excl. VAT)Free Transfers & Direct Debits
Basic€1130 (€0.40 thereafter)
Smart€2360 (€0.40 thereafter)
Premium€45100 (€0.10 thereafter)
Essential€59150 (€0.25 thereafter)
Business€119500 (€0.25 thereafter)
Enterprise€2491,000 (€0.10 thereafter)

SWIFT transfer fees (international transfers)

Here’s a breakdown of Qonto’s SWIFT transfer fees:²

PlanIncoming SWIFT transfersTransfers in standard currencies (USD, GBP, CHF)Transfers in non-standard currencies (others)
BasicFree up to €500 (€5 beyond)0.8% (min. €5 excl. VAT)1.8% (min. €5 excl. VAT)
SmartFree up to €500 (€5 beyond)0.8% (min. €5 excl. VAT)1.8% (min. €5 excl. VAT)
PremiumFree up to €500 (€5 beyond)0.56% (min. €5 excl. VAT)1.56% (min. €5 excl. VAT)
EssentialFree up to €500 (€5 beyond)0.56% (min. €5 excl. VAT)1.56% (min. €5 excl. VAT)
BusinessFree up to €500 (€5 beyond)0.56% (min. €5 excl. VAT)1.56% (min. €5 excl. VAT)
EnterpriseFree up to €500 (€5 beyond)0.56% (min. €5 excl. VAT)1.56% (min. €5 excl. VAT)

Please note: you might also be charged based on the cost-sharing option selected by the sender.
To avoid extra costs, ask them to choose the OUR option (sender pays all fees). If they select BEN (beneficiary pays) or SHA (shared), you’ll bear part of the costs.

Currency conversions with Qonto are done at a rate roughly 2% higher than the mid-market exchange rate, depending on the currency, amount, and market conditions.¹

FAQ: Qonto international transfers

How do I make a SWIFT transfer with Qonto?

Log into your Qonto business account and go to the transfer section.
Select “International transfer in foreign currency,” fill in the required details (recipient name, IBAN, etc.), include a payment reason, and attach an invoice if needed.

What are the fees for SWIFT transfers with Qonto?

SWIFT transfer fees vary depending on your subscription plan.
Additional costs may apply depending on who pays the transfer charges (sender, recipient, or shared).

What exchange rate does Qonto use?

Qonto applies a marked-up exchange rate, around 2% above the mid-market rate.

How long does a Qonto transfer take?

SEPA transfers generally take 1–2 business days.
SWIFT transfers usually take around 3 business days, depending on the currency and destination.¹

Sources:

  1. Qonto FAQ
  2. Qonto subscription pricing

Last verified on October 6, 2025.

This article is a translation of the original article published in French and was translated within 365 days of publication. While the content has been translated for accessibility, the data and sources referenced have not been updated since the original publication date.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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