Qonto allows you to submit SWIFT transfers to Bahrain, Jordan and the United Arab Emirates as long as you specify the reason for sending money to these countries.
This is a mandatory requirement set by their governments, but we will help you find the correct reason of payment for your transfer.
Keep in mind that Qonto does not support all types of SWIFT transfers, so if you can't find a reason of transfer that matches your payment in the information below, this means it is not supported by us today.
If you are in doubt about which reason of transfer to select for your specific payment, we advise you to contact your beneficiary to confirm it before submitting the transfer.
Bahrain
The reason of transfer supported by Qonto are the following:
| Reason of Transfer | Description |
| AFL - Paying from a non-resident current account | Transfers and payments from a non-resident to a current account in Bahrain |
| CHC - Donations to charities | Donations such as humanitarian aid and contributions to NGOs |
| FIS - Financial services | Fees and payments related to financial services that were provided to you |
| GDE - Goods exports | Payments related to goods imported by you (exported by the beneficiary). |
| GMS - Repair and maintenance services | Services related to processing, assembly, labelling, packing, maintenance and repair |
| IFS - Marketing and media services | News agency services, database services, and related media services |
| INS - Insurance services | Payment related to insurances on goods, life, travel, reimbursement, etc |
| ITS - Information technology services | Hardware and/or software-related services and data-processing services |
| PMS - Professional consulting services | Legal services, accounting, management consulting, public relations, advertising, market research, etc |
| PPL - Purchasing real estate | Use it to pay for a real estate in Bahrain as a nonresident |
| PRS - Cultural, audiovisual and entertainment services | Education services, health services, heritage and recreational services, etc |
| RDS - Research and development services | Basic and applied research, experimental development of new products, etc |
| SCO - Construction services | For payments related to the creation, renovation, repair or extension of buildings |
| STR - Travel | Travel-related payments such as business travel, travel agents fees, hotels, etc |
| TCS - Telecommunication services | Related to business network services, teleconferencing, broadcasting, satellite, television cable, and more |
| TTS - Technical, trade-related and other business services | Includes architectural services, waste treatment, agricultural and mining services and others not included elsewhere |
Jordan
The reason of transfer supported by Qonto are the following:
| Reason of Transfer | Description |
| 0101 - Paying invoices | Payment related to purchases |
| 0102 - Paying utility bills | Related to utility bills, such as telephone, water, electricity and internet |
| 0109 - Saving and funding account | Transfers to your own account in Jordan for saving and funding purposes |
| 0203 - Paying private sector salaries | Salaries, bonuses and incentives of private sector employees |
| 0404 - Travel | Travel-related payments such as business travel, travel agents fees, hotels, etc |
| 0602 - Goods exports | Payments related to private sector exports |
| 0604 - Goods imports | Payments related to private sector imports |
| 0801 - Telecommunication services | Payments related to telecommunication services provided to you |
| 0802 - Financial services | Payments for services provided by internal audit companies, accounting firms, tax authorities, etc |
| 0803 - Information technology services | Expenses related to IT services provided to your company |
| 0804 - Professional consulting services | Expenses related to consulting firms |
| 0805 - Construction services | Expenses related to construction work |
| 0806 - Repair and maintenance services | Expenses related to industrial maintenance and assembly services |
| 0807 - Marketing and media services | Expenses related to advertising and marketing |
| 0808 - Mining services | Expenses on mining and related services |
| 0809 - Medical and health services | Medical treatment, pharmaceuticals and related expenses |
| 0810 - Cultural, audiovisual and entertainment services | Cultural, educational and entertainment services |
| 0811 - Paying rent or property expenses | Lease expenses of real estates, vehicles, machineries and other related expenses |
| 0812 - Purchasing real estate | Transfers of real-estate purchase |
United Arab Emirates
The reason of transfer supported by Qonto are the following:
| Reason of Transfer | Description |
| AFA - Paying from a resident current account or deposit abroad | Transfers and payments from a current account or deposits outside the UAE (residents) |
| AFL - Paying from a non-resident current account | Transfers and payments from a non-resident to a current account in the UAE |
| CHC - Donations to charities | Donations such as humanitarian aid and contributions to NGOs. Does not include loans. |
| FIS - Financial services | Financial charges that don't require special calculation, such as account charges, fees for services, etc |
| GDE - Goods exports | Payments related to goods imported by you (exported by the beneficiary). |
| GDI - Goods imports | Related to goods imported by the beneficiary. |
| GRI - Government income taxes, tariffs and capital transfers | Tariffs and taxes payable to the UAE government |
| ITS - Information technology services | Hardware and/or software-related services and data-processing services |
| LLA - Loans repayments or loans for non-residents | Use this to repay loans given to you by residents in the UAE |
| PMS - Professional consulting services | Legal services, accounting, management consulting, public relations, advertising, market research, etc |
| PPL - Purchasing real estate | Use it to pay for a real estate in the UAE as a nonresident |
| RNT - Paying rent or property expenses | Use it to pay for rent on property or other expenses |
| STR - Travel | Travel-related payments such as business travel, travel agents fees, hotels, etc |
| TCP - Paying for goods and services in advance | Trade credits and advances to suppliers in the UAE |
| UTL - Paying utility bills | Related to utility bills, such as telephone, water, electricity and internet |