To help you navigate the changing of your IBAN, we collected a handy checklist to assist you in migrating your operations to your new local IBAN.
What should I do as soon as I see my new Dutch IBAN? 🚀
| Task | Action Required |
|---|---|
| Verify new IBAN | Log into Qonto and confirm new NL IBAN is visible |
| Save IBAN details | Download/screenshot new IBAN for all accounts |
| Notify accounting team | Share new IBAN and 6-month deadline |
Managing Outgoing Payments 📤
Which service providers do I need to update?
You need to update anyone who automatically debits your account. Create a list and update each one:
- Subscription services - Software (Adobe, Microsoft, SaaS tools)
- Utilities - Electricity, water, internet, phone bills
- Insurance - Business and personal insurance policies
- Loans & leases - Any automatic loan or lease payments
- Tax authorities - If they debit your account directly
- Payroll services - If you use external payroll providers
- Other recurring payments - Any other automatic debits
How do I update each service provider?
For each provider on your list:
- Contact them (online portal, email, or phone)
- Provide your new Dutch IBAN
- Request written confirmation of the update
- Keep a record of when you updated and received confirmation
What happens if I don't update my outgoing direct debits?
After the 6-month grace period ends, automatic payments will fail, which could result in service interruptions, late fees, or penalties.
Managing Incoming Payments 📥
Who needs to know about my new IBAN?
Anyone who pays you needs your new Dutch IBAN:
- Major clients - Your highest-revenue customers
- Recurring clients - Customers who pay you regularly
- Occasional clients - Less frequent customers who may have outstanding invoices
- Direct debit clients - Anyone who pays you via direct debit mandate
How should I communicate my new IBAN?
Use multiple channels to ensure everyone is informed:
- Send a dedicated email announcement to all clients
- Update your email signature with the new IBAN
- Post an announcement on your website
- Update payment instructions in your client portal
- Include a notice in your next invoice or statement
What happens if clients keep using my old IBAN?
During the 6-month grace period, payments to your old French IBAN will still work. However, after the grace period ends, those payments will fail and your clients won't be able to pay you.
Updating Invoices 🧾
Do I need to update invoices I've already sent?
Yes, if payment is due after the grace period ends:
- Review all unpaid invoices
- Identify which ones have payment due after the deadline
- Update your invoice template with the new Dutch IBAN
- Re-issue affected invoices to clients
- Mark old invoices as "superseded" in your records
- Follow up to confirm clients received the updated invoices
What invoicing systems need updating?
Update your new IBAN in all systems you use:
- Accounting software (QuickBooks, Xero, etc.)
- Invoice templates (Word, Excel, PDF)
- E-commerce platforms
- Automated invoicing systems
- Any other billing tools
Updating Business Documents 🏢
What company documents need my new IBAN?
Update all documents where your IBAN appears:
- Website - Payment information and contact pages
- Email signature - Add your new IBAN
- Business cards - Order new ones if IBAN is printed
- Letterhead - Update templates
- Purchase orders - Update your PO templates
- Terms & conditions - If they include payment details
Do I need to update partner or supplier portals?
Yes, update your IBAN in:
- Marketplace platforms (if you sell online)
- B2B partner portals
- Supplier payment systems
- Any vendor management systems
Payroll & Employee Matters 💼
Do I need to do anything related to payroll?
If applicable:
- Notify your payroll provider of the new IBAN
- Update employee expense reimbursement details
- Inform employees if they need to update any payment information
Final Preparations ✔️
How do I make sure I haven't missed anything?
3 weeks before the grace period ends:
- Review this entire checklist
- Confirm all providers acknowledged the IBAN change
- Test that payments are working with your new IBAN
- Keep Qonto support contact handy
1 week before the grace period ends:
- Watch for any failed or unusual payments
- Ensure no critical payments are scheduled right after the deadline
- Confirm all major partners have your new IBAN
- Prepare for old IBAN deactivation
Should I set reminders? ⏰
Yes! Set these calendar reminders:
- Monthly check-in to review checklist progress
- 3 weeks before grace period ends - major review
- 1 week before grace period ends - final verification
Getting Help 💬
What if I have questions or run into problems?
- Contact Qonto support through your app at any time or via email on dag@qonto.com
- Support is available to help throughout your migration
- Don't hesitate to reach out if something isn't working
What are the key things to remember?
- ✅ During grace period: Both old and new IBANs work for incoming payments
- ✅ From migration date: New Dutch IBAN is used for all outgoing payments
- ❌ After grace period: Old French IBAN stops working completely
- ⏰ Timeline: You have 6 months to complete all updates
When should I start working on this checklist?
Start immediately! Don't wait until the last minute. The sooner you begin updating your contacts and systems, the more time you have to catch any issues and ensure a smooth transition.
Still Have Questions? 🤝
Contact Qonto support at any time. We're here to help you through every step of the transition, whether you're a new or existing client. Chat with us directly from your Qonto interface by clicking on the chat bubble in the bottom right corner. 💬 Or mailing us through dag@qonto.com.