A negative balance is only allowed if you have an authorized overdraft activated on your account. To learn more about Overdraft and its usage conditions, click here.
Make sure that your balance enables you to honor your commitments.
The low-balance status makes it impossible for you to process any new payment - including card payments, transfers, and direct debits - until you top up your account.
If the balance of your account is low, you'll receive an alert. This occurs when your current balance does not allow you to honor transfers, subscriptions, and direct debits scheduled in the next 14 days.
Depending on your business and your needs, you can choose to use Qonto as your main business account or as a secondary account for all your day-to-day operations.
Note: If your company is eligible, you can use one of our financing solutions to manage short-term cash flow gaps:
- Pay later offer (How to use Qonto’s Pay later feature?)
- Overdraft feature (How do I use Qonto's Overdraft feature?)
- Credit Card (What is the credit card and how can it help my business?)