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How to connect my external accounts to my Qonto interface?

  • Updated

Available for all pricing plans


​You can now seamlessly track your professional external accounts directly within your interface with the account aggregation feature. This allows you to conveniently monitor your external account balances and transactions from within the Qonto app to simplify your company’s accounting:

  • all financial data centralized
  • greater control and visibility over your financial information​

Which roles can connect an external account into Qonto ?

Account holders and Admins have the ability to manage the connections with external institutions, on both web and mobile Qonto app. Only Owners, Admins, and reporting roles can view external accounts data. 

💡 In the article, the word institutions refer to external banks or PSPs.

A PSP (Payment Service Provider) is a third-party company that allows businesses to accept electronic payments, such as credit cards and debit cards, i.e: Stripe and PayPal are Payment Service Providers.

How to set it up in my account ?

To connect (or reconnect) your professional external account, please follow the steps below.

☝️ Good to know: We recommend connecting external accounts exclusively in euros. ​

🖥️ From the web app:

  1. Go to your Business Account section > Accounts and click on Add an account
  2. Click on External account > Choose
  3. Select the bank account you wish to import onto your Qonto dashboard
    1. From the most popular banks and PSPs already suggested
    2. From the search bar if it doesn’t appear in the suggestions. If you can't find the bank or PSP you're looking for, unfortunately, the connection isn't yet available. That said, our teams are working hard to offer you a wide choice of establishments to suit your needs.
  4. Approve the connection to your external account by giving your consent by:
    1. Clicking on Allow and continue, you can scan the QR code with your phone and then log in directly on your external bank phone app. This option is only available for some institutions.
    2. Or by clicking on Continue from desktop, you will be redirected to your external account to log in with your usual logins.
  5. Select the bank accounts you wish to connect to Qonto. You can select more than one account at once. They are identifiable thanks to the name and the balance shown.

All set up! You will then be redirected to Qonto and your external account will appear in your Accounts section. You will receive a confirmation email once the data are fully synced.

Note: You can also find your External account in the Integrations and Partnerships section.
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📱 From the mobile app:

  1. From the Home screen > go to the Balance section > Press the ➕ symbol
  2. Select External account
  3. Approve the connection to your external account by giving your consent and click on Allow and continue
  4. Select your account and log in with your usual logins
  5. Allow the connection to Qonto

You’re all set up!
 

How will it look like on my interface?

You will find all of your account in the Accounts section of your interface. Both your Qonto and external accounts will be divided in 4 categories, ordered by the most used to less used:
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1st category: Current accounts (cashflow)
2nd category: Savings accounts
3rd category: Wealth accounts (long term financial investments)
4th category: Other accounts, commonly used when the type of account doesn’t fit in any of the categories above.
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The logos of your external bank/PSP will appear in your list of accounts to ease your navigation on your interface. They will also appear in the transactions list, so you can identify quickly which transaction was made with which of your account.

You can filter and personalize your view by selecting your accounts from the Overview section, click on All accounts, select the ones you want and press Apply.
 
💡Good to know: transactions from your external accounts are also visible in your cash flow data on Qonto. You can categorize and filter them directly in the dashboard.

You will have access to the history of your external transactions for the past 3 months or more, depending on your bank.
 

Where can I see the status of my connected banks?

The Connected banks page in your Qonto settings gives you a central overview of all your external bank connections. From there, you can monitor each connection's health and take action if a synchronization issue occurs.

To access it, go to Settings > Integrations and Perks > Connected banks.

From this page, you can see all your bank connections, the number of connected accounts, the last synchronization date, and the current status of each connection.

Status Meaning
Up to date The connection is active and synchronized normally.
Expires soon Your consent will expire soon. Renew the connection to avoid interruption.
Expired Your consent has expired. Renew the connection to resume synchronization.
Disconnected The connection has been stopped, but the account remains visible in Qonto with a €0 balance.
Deleted The external account and its history have been permanently removed from Qonto.

 

Do I need to renew the sync at some point?

Yes, for safety reasons, you will have to renew your connection every 6 months. You will receive a notification directly on the Qonto app with a link to click on, which will launch a flow to renew your consent.
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If the connection is interrupted, the external data remains visible for a few months, but the exact delay depends on the external bank/PSP, not on Qonto.
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If the connection expires or synchronization is interrupted, new transactions will no longer be synced. However, external transaction data that is already visible in Qonto will remain available

If you permanently delete the external account, all past transactions, receipts, and documents linked to it will be removed and cannot be recovered.
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How do I disconnect or delete an external account from Qonto?

Managing your external bank connections is fully flexible in Qonto. You can disconnect, reconnect, or permanently delete an external account at any time, directly from the web or mobile app.

Here's a quick overview of what each action means:

  • Disconnecting an external account stops the synchronization with the external bank or payment service provider. The account remains visible in Qonto with a €0 balance, and past transactions and attached receipts/documents remain available.
  • Reconnecting an external account renews the connection and allows Qonto to synchronize data from this account again.
  • Deleting an external account permanently removes its history from Qonto, including past transactions and attached receipts/documents.

⚠️ When setting up your bank connection for the first time, make sure to select only the bank accounts that are relevant to your business. Once the connection is created, you won’t be able to add or remove individual accounts from that same bank connection.

If you need to change which accounts are connected later, you’ll have to disconnect and delete the entire bank connection, then reconnect the bank and select the accounts you want during the setup flow.

How do I disconnect an external account?

From the web app 💻:

  1. Go to Settings > Integrations and Perks > Connected banks.
  2. Select the bank connection you want to disconnect.
  3. On the bank details page, click the status button, for example Connected, in the top-right corner.
  4. Select Disconnect from the dropdown menu.
  5. Confirm the disconnection.

From the mobile app 📱:

  1. Go to Settings.
  2. Open Integrations and Perks.
  3. Select Connected banks.
  4. Choose the bank connection you want to disconnect.
  5. Tap Manage connection.
  6. Select Disconnect.
  7. Confirm the disconnection.

☝️ After disconnection, the external account will still appear in your account overview with a €0 balance, including its past transactions and any attached receipts or documents. Qonto will no longer synchronize new data from this account.

How do I reconnect a disconnected external account?

You can reconnect an external account only if it has been disconnected, not deleted.

To renew the connection, open the disconnected external account and select Renew connection. You will then be guided through the connection flow again to give your consent.

Once the connection is renewed, Qonto will resume synchronizing data from this external account.

☝️ Good to know: If the external account has been deleted, you cannot renew the previous connection. You will need to add it again as a new external account and complete the connection flow from the beginning.

How do I delete an external account?

To permanently delete an external account and its history, you first need to disconnect it.

Once the account is disconnected, you can delete it from the web or mobile app.

From the web app 💻:

  1. Go to Settings > Integrations and Perks > Connected banks.
  2. Select the bank connection you want to delete.
  3. On the bank details page, click the status button in the top-right corner.
  4. If the connection is still active, select Disconnect first and confirm the disconnection.
  5. Once the connection is disconnected, click the status button again.
  6. Select Delete.
  7. Confirm the deletion.

From the mobile app 📱:

  1. Go to the Accounts section.
  2. Select the disconnected external bank account you want to delete.
  3. Tap Delete permanently.
  4. Confirm the deletion.

⚠️ Warning: If you delete the external account, all past transactions, receipts, and documents linked to it will be permanently lost. This action cannot be undone.

☝️ Good to know: If you delete an external account, you cannot renew the previous connection. To connect the same bank again, you will need to add it as a new external account and complete the connection flow from the beginning.


Can Qonto access those accounts?

No, Qonto only retrieves data from your external accounts to display and enrich them. Qonto does not have access to your banking credentials and cannot initiate transactions on your accounts.
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Can I export transactions made on external accounts from Qonto?

Yes, you can include external transactions and their attachments done via Qonto in your export. Please click here to find out how to export your transactions.
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Can I attach an invoice/receipt to a transaction made with an external account on Qonto?

You can attach receipts to your external transactions via the forwarding email address or via your Transaction section.

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