Why does Qonto need this information?

Qonto is supervised by the Banque de France (CIB number 16958), which subjects us to a strict regulatory framework. We are required to comply with standards of compliance and transparency, involving legitimate checks on transactions.

As stated in Article L561-6 of the Monetary and Financial Code, throughout the duration of the business relationship, our responsibility is to exercise ongoing vigilance, ensuring that operations correspond to our understanding of your business profile. This is an integral part of our commitment to maintaining security and financial integrity.

We use this data exclusively to prevent fraud and secure our platform. They are processed with the utmost confidentiality, in accordance with professional secrecy (Rdo. Oficio AT3443/23), guaranteeing their protection. You can find more details in our Privacy Policy.

What documents can Qonto ask for during an information request?

During an information request, depending on the topic, we may ask you for:

Information about your company, its activity and your associates.
Information about the relationship between you and your clients/suppliers.
Information/proofs regarding your transactions.

In the analysis of your file, we may ask you for supporting documents*, with the following being the most common:

*Non-exhaustive list

Situation	Document requested by Qonto
Documents related to your company and activity	- Company registration certificate (KBIS) - Identification document of the company members (passport, residence permit, or identity card) - Copy of your Qualiopi certification
Inquiry regarding a transaction (withdrawal, transfer, cryptocurrency)	- Invoice - Contract - Statement - KBIS or equivalent of the beneficiary/emitting company - Identification document of the beneficiary/emitter of the transaction - Statements of the latest transactions on the cryptocurrency platform
Documents of accounting and tax compliance	- Invoice that has been refunded VAT - Contract - If you have another account, the statement of transactions showing the payments that justified this refund - Activity statement / tax return Salary payments: - Latest URSSAF vigilance certificate - Pre-hire declarations or subcontracting invoices or invoices from self-employed workers
Purchase/sale of a vehicle	- Vehicle registration document - Vehicle transfer certificate

How can I provide the requested information/documents in case of a check?

You would have two options:

By transmitting the requested documents directly on your account (Business Account > Transactions > select the relevant transaction > upload the document).

⚠️ Don't forget to inform us by replying to the initial email to avoid affecting the processing time.

If you are unable to download these documents from your interface, you can also transmit them by replying directly to the email we sent you on this subject.

What happens if I do not provide the requested documents?

We may need to:

Temporarily suspend or impose restrictions on your account pending your response.

💡 Without a response and after a certain period, this could lead to the closure of your account. You can find more information on this in article 9.2 'Termination for breach by either of the Parties' of your Qonto contract.

Reject a transaction pending validation.

Why can my Qonto account be temporarily suspended?

Qonto is obligated to:

Protect its clients' funds. You can find more information in this article.
Preserve and combat fraud.

In this context, we may need to temporarily suspend your account for further analysis.

Therefore, we will contact you as part of these analyses to unlock your account as soon as possible.

Where can I find more information on applicable regulations?

You can learn more about Qonto's regulation and compliance with the Monetary and Financial Code by consulting this article.

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