For Qonto to support a capital increase operation, certain eligibility conditions must be met.
🏢 Eligibility criteria related to the company carrying out the capital increase
Non-eligible legal forms ❌
- Sole proprietorship
- Micro-enterprise / self-employed entrepreneur
- EIRL (Limited Liability Sole Proprietorship)
- Associations
⚠️ Important: The entities listed above cannot access the "Capital Increase" service through the Qonto platform.
📑 Criteria related to the type of operation
Accepted operations ✅
- Standard capital increase by cash contribution
A standard capital increase by cash contribution consists of increasing the company's share capital in exchange for cash payments made by subscribers, either by creating new shares or by increasing the nominal value of existing shares.
Rejected operations ❌
- Warrant subscriptions (BSA-AIR), share warrant exercises (BSPCE), shares with attached warrants (ABSA) — cash contribution but non-standard
- Capital increase via crowdfunding
- Capital increases in tranches or partial releases
- Debt-for-equity swap
- Incorporation of reserves
- Contributions in kind
📏 Operation parameters (practical conditions)
- Maximum amount: unlimited
- Maximum number of participants: 50
- Type of participants: French and/or foreign natural persons and/or legal entities
👥 Eligibility criteria related to participants and the origin of funds
The criteria apply to both:
- the identity of subscribers (natural persons and legal entities)
- the banking or geographical origin of funds
Non-eligible banks ❌
Funds are refused if the transfer originates from an account held at:
- N26 (Germany) – BIC: NTSBDEB1
- Revolut (Lithuania) – BIC: REVOGB21
- Bunq (Netherlands)
- Starling Bank (UK)
- Wise (UK)
- Orange Bank (France)
- Monese (UK)
- PostePay (Italy)
- Treezor (France)
- Paysera (Lithuania)
- Wirex (UK)
- Nickel (France)
Geographical restrictions ❌
Qonto cannot accept:
- Natural persons presenting an identity document issued by these countries;
- Companies domiciled in these countries;
- Funds issued by a bank located in these countries.
| Continent | Restricted countries | ISO-3 codes |
|---|---|---|
| Africa | Botswana, Burundi, Congo, Eritrea, Libya, Uganda, Central African Republic, Somalia, Sudan, South Sudan, Chad, Zimbabwe | BWA, BDI, COD, ERI, LBY, UGA, CAF, SOM, SDN, SSD, TCD, ZWE |
| North America | Anguilla, Bahamas, Cuba, Cayman Islands, British Virgin Islands, US Virgin Islands, Nicaragua, Panama, Saint Kitts and Nevis, Trinidad and Tobago | AIA, BHS, CUB, CYM, VGB, VIR, NIC, PAN, KNA, TTO |
| South America | Venezuela | VEN |
| Asia | Afghanistan, Azerbaijan, North Korea, Iran, Iraq, Kyrgyzstan, Macao, Mongolia, Myanmar, Pakistan, Palestine, Philippines, Syria, Yemen | AFG, AZE, PRK, IRN, IRQ, KGZ, MAC, MNG, MMR, PAK, PSE, PHL, SYR, YEM |
| Europe | Belarus, Russia | BLR, RUS |
| Oceania | Nauru, Vanuatu | NRU, VUT |
ℹ️ Why are certain fund origins refused?
The decision to refuse funds from certain banks, countries or entities is not taken lightly. It is based on:
- regulatory compliance requirements,
- the fight against money laundering and terrorist financing (AML/CFT).
By complying with these obligations, Qonto ensures a safe and compliant environment for all its clients' financial transactions.
🏛️ Eligibility criteria related to participating companies
Non-eligible legal forms ❌
- Sole proprietorship
- Micro-enterprise / self-employed entrepreneur
- EIRL (Limited Liability Sole Proprietorship)
- SNC (General Partnership)
- SCS (Limited Partnership)
- Non-EU investment funds
💸 Fund transfer conditions
✅ General rule
Each participant must make their transfer from a bank account opened in their name.
👥 Joint accounts
In case of payment from a joint account, Qonto provides a spousal consent form. This document must be completed and signed by the non-participating spouse.
📩 For any questions, you can contact our team: qonto-ak@qonto.com or consult our FAQ section dedicated to capital increases.