You can now make a foreign currency transfer via our partner Wise, which allows you to process these through local networks, in addition to SWIFT.
This solution is faster, cheaper, and offers the same seamless experience as Wise. You can now send GBP to the United Kingdom, INR to India, AUD to Australia (and many other currencies), which will be credited within seconds to a maximum of 3 business days. The exact receipt time is indicated in your app when you make a transfer.
You can send USD to any country on the list via the SWIFT network. All currencies other than USD can only be sent to their home country (see the list of available countries below).
👆Good to know: to send USD to the US, you must use the ACH network, not SWIFT (requirements are in the List of accepted currencies tab below).
You can make an international transfer with the same speed and ease as with Wise, directly from your Qonto account. You don't need a Wise account.
What are the costs?
The following rates apply to international SWIFT transfers in foreign currencies.
Note: these have been revised to offer you a more competitive offer with various improvements!
- much faster processing times (some even instant)
- we can estimate the receipt date of the transfer for your beneficiary
- the list of accessible countries is much larger
For 75% of your transactions, we can execute your transfers via our partner's national account network.
We distinguish between:
- standard currencies, such as USD / CHF / GBP
- non-standard currencies (INR, AED, CAD, ILS, HKD, TRY, THB, UYU, KES, CRC, CLP, HUF, MXN, GHS, AUD, IDR, MAD, SGD, CZK, ZAR, KRW, JPY, CNY, NZD, VND).
Depending on your subscription, you have a higher or lower rate.
Fees via our partner's national accounts:
minimum fee of €5 or application of the following rate if the fees are higher than €5.
For USD transfers to a non-US country, a fixed fee of €5 or €15 is added, depending on the payment option chosen by our partner's algorithm which is the most advantageous for you: SHA or OUR.
| Prices local rails USD to US, GBP, CHF | Prices local rails All other currencies (INR; MAD; etc) | Prices SWIFT - SHA USD to non-US country | Prices SWIFT - OUR USD to non-US country | |
|---|---|---|---|---|
| Basic | 0.80 % | 1.80 % | 0.80 % + 5 € | 0.80 % + 15 € |
| Smart | 0.80 % | 1.80 % | 0.80 % + 5 € | 0.80 % + 15 € |
| Premium | 0.56 % | 1.56 % | 0.56 % + 5 € | 0.80 % + 15 € |
| Essential | 0.56 % | 1.56 % | 0.56 % + 5 € | 0.80 % + 15 € |
| Business | 0.56 % | 1.56 % | 0.56 % + 5 € | 0.80 % + 15 € |
| Enterprise | 0.56 % | 1.56 % | 0.56 % + 5 € | 0.80 % + 15 € |
| Minimum fee | 5 € | 5 € | ||
For all subscriptions, a discount is applied to the fees based on the transfer amount.
Transfer amount€50k - 99k€100k - 199k€200k - 499k€500k & higherDiscount-10%-20%-40%-50%
The transfer fees with the discount are displayed when entering the transfer amount in the interface.
💡\*\*Good to know: the indicated exchange rate will in most cases be the rate applied to the transaction, but in rare cases it may be a different rate.\*\*
This can also happen if you delay the validation of the transfer or if an information request is sent to you by our Compliance department.
What is the receipt time? ⏱
You can submit international transfers in foreign currencies at any time and the cut-off for payments varies by currency.
It is necessary to take into account the bank holidays of the banks through which the transfer will pass.
Different time zones can also affect the delay in sending and receiving the transfer.
👆Good to know:
International transfers in foreign currencies can only be submitted during market opening hours for most currencies.
This means that most banks do not process transfers during weekends and holidays. When making international transfers in foreign currencies, keep in mind that there are different holidays worldwide when banks do not work. Your transfers will be processed on the next opening day during market opening hours for most currencies.
Currently, with your Qonto account, you cannot transfer currencies to individuals who are not businesses, but professional recipients such as contractors/freelancers are allowed.
If you want to pay an individual, you must provide a contractual agreement stating the payment purpose.
Your transfer may be rejected if no supporting documentation is provided, and the euro equivalent may be affected when we credit your account back.
List of accepted currencies ✅ (outgoing international transfers in foreign currencies)
| Currency | Required information | Delay | Additional information |
|---|---|---|---|
| AED | Full name of beneficiary (max 35 characters) IBAN 23 digits starting with AE Reference max 35 characters | up to 1 business day | |
| AUD | Full name of beneficiary (max 35 characters) BSB code 6 digits Account number 5-9 digits Full address (no P.O. box) Reference max 18 characters | up to 2 business days | No name checks, account number must be correct. |
| CAD | Local bank (EFT): beneficiary name, 3-digit institution code, 5-digit transit code, 7-12 digit account number. Interac E-Payment: beneficiary name, email (registered with bank & Interac), Wise sends 6-digit PIN via email. (Money not claimed in 3 days or 3x wrong PIN = return) | up to 1 business day | |
| CHF | Full name of beneficiary IBAN starting with CH or LI Reference max 50 characters | up to 1 business day | Subject to Swiss compliance checks |
| CLP | Full name of beneficiary (max 35 characters) Account number max 20 digits Bank name, RUT number, account type, phone number | 1 business day | |
| CNY | Alipay: name (256 characters PinYin, with space), Alipay ID (email/phone) Domestic: name (59 characters PinYin), address (69 characters PinYin) Recipient must be a business account | Instant | |
| CRC | Full name of beneficiary IBAN 22 characters starting with CR Business registration number (CJU Cedula) 10 digits, starts with 3 Reference max 35 characters | up to 1 business day | |
| DKK | Name of recipient/company SWIFT code IBAN 18 characters Address (optional) Reference max 140 characters (optional) | no estimate | No name checks, bank may return if discrepancy. |
| GBP | Name of beneficiary/company Sort code 6 digits Account number 8 digits IBAN max 34 characters (starts with GB) Reference max 18 characters | Instant | No payments to NS&I sort codes possible. |
| HKD | Full name 9-12 digit account number 3-digit bank code Full address | 45 minutes on business days | Not possible to Tap&Go and O! Epay. |
| HUF | Full name IBAN 28 characters (starts with HU) or local 24 characters For 16 digits, Wise adds 8 zeros | up to 1 business day | |
| IDR | Local bank: name, bank name, account number e-Wallet: name, e-wallet provider, e-wallet number | up to 1 business day | |
| ILS | Full name (max 35 characters) IBAN 23 digits (ILkkBBBNNNCCCCCCCCCCCCC) Beneficiary address (city, country, postal code Latin script) | up to 1 business day | Check name identical to bank account; banks may check manually. |
| INR | Local bank: name, account number 5-20 digits, IFSC 11 characters, reference max 16 characters, purpose required UPI: name, UPI ID, purpose required | Bank: up to 1.5h business day UPI: instant | Not to charities/trusts/investments. No FIRC certificate. |
| JPY | Full name (Katakana) Account number 7 digits Account type Bank name/branch or code Payment purpose, reference max 20 characters | 5-20 min depending on bank | |
| KES | Full name Account number 8-20 digits Reference max 20 characters | Instant | Not to mobile wallets of business recipients. Not supported: Bank of India, Bank of Baroda, Habib Bank, M-Oriental Bank, Habib Bank A.G. Zurich, Consolidated Bank of Kenya, Transnational Bank, SMB Bank (Kenya) Limited, Imperial Bank Limited, Giro Commercial Bank, Ecobank Kenya, SPIRE BANK LTD, Development Bank of Kenya, UBA Kenya Bank |
| KRW | Full name (max 256 characters) Bank name Account number 11-16 digits Reference max 35 characters | up to 15 minutes | |
| MAD | Full name (max 35 characters) Account number (RIB) 24 digits Bank code, branch code, account number, RIB key Reference max 50 characters | up to 2 business days | Certain banks charge max 20 MAD receiving fees. |
| MXN | Full name (max 40 characters) CLABE 18 digits Bank code, branch code, account number, check digit Reference max 40 characters | Instant | Check CLABE with validator. |
| MYR | Local bank: name max 50 characters, account number 7-20 digits, bank name, reference max 35 characters DuitNow: name 50 characters, account type, DuitNow ID, reference max 35 characters | up to 1 business day | |
| NOK | Name of recipient/company SWIFT code IBAN 15 characters Address (optional) Reference max 140 characters (optional) | no estimate | No name check, return possible if discrepancy. |
| NZD | Name of recipient (20 characters, Latin) Account number (16 characters) | ||
| PLN | Name of recipient/company SWIFT code IBAN 28 characters Address (optional) Reference max 140 characters (optional) | no estimate | No name check, return possible if discrepancy. |
| RON | Name of recipient/company SWIFT code IBAN 24 characters Address (optional) Reference max 140 characters (optional) | no estimate | No name check, return possible if discrepancy. |
| SEK | Name of recipient/company SWIFT code IBAN 24 characters Address (optional) Reference max 140 characters (optional) | no estimate | No name check, return possible if discrepancy. |
| SGD | Local bank: name max 35 characters, account number (length varies), bank name, reference max 25 characters Paynow: name max 35 characters, phone number (65/+65), reference max 25 characters | up to 1 business day (under 200k SGD instant) | |
| THB | Full name (max 35 characters) Account number 5-16 digits Bank name, recipient address, reference | 15 min until 8pm on business days | Only ≥ 50,000 THB to Bangkok Bank (BBL), Kasikorn Bank (KBank), Siam Commercial Bank (SCB). |
| TRY | Full name (50 characters) IBAN 26 digits (starts with TR) Reference max 35 characters | depending on amount | Payments to Northern Cyprus as regular TRY. |
| USD | ACH (US): name max 18 characters, account number 4-17 digits, ACH routing number 9 digits, address (no P.O. box), reference max 10 characters (routing number must support ACH) SWIFT (outside US): name, SWIFT/BIC, IBAN/account number, address (99999 for countries without postal code), payment purpose required | ACH: 1-3 business days SWIFT: 1-5 business days | No FFC payments. ACH only US-domestic. FFC details can lead to return/disruption. |
| UYU | Full name Account type: current/savings Account number max 20 digits Business ID (RUT/RUC): 12 digits Bank name, branch (required for Banco Santander), reference max 35 characters | up to 2 business days | |
| VDN | Name of recipient (35 characters, Latin) Recipient address Account number | ||
| ZAR | Full name (35 characters) Email address Account number 7-11 digits Bank name, phone number, reference max 18 characters | up to 2 business days | Annual authorization form required per sender-recipient (link via email, valid for 7 days). Otherwise return to Wise. |
The receipt times indicated above are estimates. The specific delays per currency are indicated on your interface on the One Last Look screen, before you validate the transfer.
☝️ Good to know: certain currencies can be sent without IBAN (SGD, USD via ACH network...)
For more information about international transfers in EUR, click here.
List of accepted countries ✅ (outgoing international transfers in foreign currencies)
- Albania Algeria Angola
- Andorra
- Antigua and Barbuda
- Argentina
- Armenia
- Australia
- Austria
- Bahrain
- Barbados
- Belgium
- Benin
- Bhutan
- Bolivia
- Bosnia and Herzegovina
- Brunei Darussalam
- Bulgaria
- Burkina Faso
- Canada
- Chile
- Costa Rica
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Dominica
- Dominican Republic
- Ecuador
- El Salvador
- Estonia
- Ethiopia
- Fiji
- Finland
- France
- French Polynesia
- Gabon
- Gambia
- Georgia
- Germany
- Ghana
- Greece
- Guatemala
- Guinea
- Guinea-Bissau
- Guyana
- Haiti
- Honduras
- Hong Kong
- Hungary
- Iceland
- India
- Indonesia
- Ireland
- Israel
- Italy Ivory Coast
- Jamaica
- Japan
- Kazakhstan
- Kenya
- Kuwait
- Laos
- Latvia Lebanon
- Liberia
- Liechtenstein
- Lithuania
- Luxembourg
- Malawi
- Malaysia
- Mali
- Malta
- Mauritania
- Mauritius
- Mexico
- Micronesia
- Monaco
- Montenegro
- Morocco
- Namibia
- Nepal
- Netherlands
- New Zealand
- North Macedonia
- Norway
- Palau
- Papua New Guinea
- Paraguay
- Peru
- Poland
- Portugal
- Romania
- Rwanda
- Saint Lucia
- Saint Vincent and the Grenadines
- Samoa
- San Marino
- Sao Tome and Principe
- Senegal
- Serbia
- Seychelles
- Sierra Leone
- Singapore
- Slovakia
- Slovenia
- South Africa
- South Korea
- Spain
- Sri Lanka
- Suriname
- Sweden
- Switzerland
- Taiwan
- Tajikistan
- Tanzania
- Thailand
- East Timor
- Tonga
- Tunisia
- Turkey
- Tuvalu Ukraine
- United Arab Emirates
- United Kingdom
- United States of America
- Uruguay
- Uzbekistan
- Vatican
- Vietnam
👆 Good to know: The United Arab Emirates and Saudi Arabia are two different countries (the first is one of the accepted countries, the second is not).
How can I start an international transfer?
For step-by-step instructions on making an international transfer, see our article How to make an international transfer.
👆Good to know:
As part of our partnership with Wise, you can no longer send the following currencies:
- TND (Tunisian Dinar)
- CZK (Czech Crown)
- SAR (Saudi Riyal)
- BHD (Bahraini Dinar)
Please note that our team is working hard to restore the availability of these currencies.
In the meantime, as a temporary solution, you can send USD to those countries (some banks support USD or can convert USD to the intended currency - this can be checked with the beneficiary).