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Qonto Zapier integrationAutomate Qonto with Zapier.

The Qonto Zapier integration gives you 9 triggers, 3 actions and 0 searches. Zapier can react to a balance change, a new transaction, a new transfer or an edit on a transaction, then move money between accounts, pay a beneficiary or attach a file.

See the 12 operations

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Overview

What the Qonto Zapier integration does for your finance work

Qonto is a bank designed to make day-to-day finance simpler for companies. Connected to Zapier, it becomes both a source and a destination: a movement on an account starts a Zap, and Zapier can order a transfer or add a receipt to a transaction in return, without anyone opening the banking app.

Three outcomes cover most of what finance teams set up. An account that tops itself up. Bank Account Balance Change watches a sub-account, and Create Internal Transfer moves money from the main account when it runs low. A payment that leaves on its own. Create External Transfer sends money to a beneficiary IBAN, with the amount and the reference mapped from the step before. Bookkeeping that keeps up. The triggers on attachments, labels and VAT tell you when a transaction has been tidied, and Add Attachment puts a file on a transaction from another tool.

Now what Zapier does not do with Qonto. Every one of the 9 triggers works by polling: Zapier checks your account on a timer, so nothing reacts the second money moves. There is no search, so a Zap cannot look up a past transaction or a beneficiary. And actions stop at transfers and attachments: no card, no invoice, no label written from Zapier.

If you want to compare before committing, the Qonto Make integration covers the same bank on Make, and our Make vs Zapier comparison sets out the criteria.

Vocabulary

Zapier words, in plain English

Eight terms come back on every line of this page. Here they are, in everyday words.

Zap
The automation you build on Zapier: one trigger, then one or more actions that run every time the trigger event happens.
Trigger
The event that starts the Zap. With Qonto: a balance that moves, a new transaction, a new transfer, or an edited transaction.
Action
What the Zap does once started. Here, ordering a transfer or attaching a file to a Qonto transaction for you.
Task
The unit Zapier bills: one action that completes successfully. Your plan gives you a monthly count of these.
Polling trigger
A trigger Zapier checks on a timer, asking Qonto for new items and keeping only what it has not seen before.
Filter
A step that lets the Zap continue only when what arrived meets the condition you set, and stops it otherwise.
Connection
Your Qonto account linked to Zapier once, then reused by every step that touches Qonto in any of your Zaps.
Multi-step Zap
Any Zap beyond one trigger and one action. A filter or a second action makes one, and it then needs a paid plan.
Cost

What a Qonto Zap really costs

Watching your accounts is free. What you pay for is each action that goes through.

  • Free plan100 tasks a month
  • Free plan Zap sizeTwo steps: one trigger, one action
  • Premium appNo, works on the free plan

Each transfer ordered or file attached in a successful run counts as one task. A failed action is not billed, and neither the trigger nor Zapier's checks cost anything, however often they run. Qonto is not a premium app, so the free plan accepts it: 100 tasks a month and two-step Zaps, which is enough for one trigger plus one transfer. Add a filter, which you will want before moving money, and the Zap becomes multi-step and needs a paid plan.

Connect

Connect Qonto to Zapier in three steps

  1. 01

    Open the Apps page

    In your Zapier account, go to Apps and click + Add connection. Type Qonto in the search box of the dialog that opens, then pick it from the list of results.

  2. 02

    Sign in to Qonto

    Click Add connection. Qonto opens in a new tab: sign in with the account that can see the bank accounts your Zaps will watch or debit. An existing Qonto account is required.

  3. 03

    Grant access

    Accept the access request so Zapier can read your accounts and act on them. The connection then appears on the Apps page, and every Qonto step of every Zap reuses it.

First Zap

Your first Zap: keep an expense account topped up

GoalWhen the balance of your expense sub-account changes and falls under your floor, Qonto moves a fixed amount from the main account into it.

  1. 01

    Set the trigger

    In the editor, pick Qonto and Bank Account Balance Change. Enter the IBAN of the expense sub-account, the one you want to keep funded.

  2. 02

    Test it

    Run the test. Zapier brings back the three most recent items of the connected account, so you map from real data, not from an example.

  3. 03

    Add the filter

    Add a Filter step on the balance, with a number rule and your floor as the value. A text rule would never pass on a number, so pick the number one.

  4. 04

    Add the transfer

    Pick Create Internal Transfer. Debit the main account IBAN, credit the sub-account IBAN, then type the amount, the currency and a reference.

  5. 05

    Test, then publish

    Test each step with a small amount and check both balances in your Qonto app. Then click Publish to switch the Zap on for good.

Triggers

The 9 Qonto triggers

9 events start a Zap when something happens in Qonto. Zapier checks for them at the interval your plan allows.

1

Bank Account Balance Change

Polling trigger

In Zapier“Triggers when the balance of a bank account changes.”

Starts your Zap when the balance of one account moves, whatever caused it. You point it at the account through its IBAN, so one trigger watches one account.

How it fires
Zapier goes and looks at regular intervals, and how often depends on your plan: every 15 minutes on the free one
When to use it
a founder who wants to be warned, or to top up, when the payroll account gets close to empty.
Watch out
a top-up into that same account changes the balance again and restarts the Zap; keep a filter in front of the transfer.
2

New Bank Account

Polling trigger

In Zapier“Triggers when a new bank account is detected.”

Reacts when Qonto detects a bank account that did not exist before in your organization. It is the only Qonto trigger that needs no IBAN, since the account is brand new.

How it fires
Zapier goes and looks at regular intervals, and how often depends on your plan: every 15 minutes on the free one
When to use it
an accountant who opens a sub-account per project and wants each new one to be recorded in the follow-up file.
Watch out
accounts that existed before the Zap was published are never reported.
3

New Transaction (Legacy)

Polling trigger

In Zapier“Triggers when a new transaction is detected.”

The older version of the new-transaction trigger, still listed by Zapier and still working on a given IBAN.

How it fires
Zapier goes and looks at regular intervals, and how often depends on your plan: every 15 minutes on the free one
When to use it
only to maintain an existing Zap that was set up with it.
Watch out
the Legacy label is the tell; for a new Zap, pick New Transaction instead so the Zap starts on the current version rather than the old one.
4

New Transaction

Polling trigger

In Zapier“Triggers when a new transaction is detected.”

Fires on every new transaction that shows up on the account whose IBAN you set. Zapier puts it forward on its Qonto page, and it is the current version of this trigger.

How it fires
Zapier goes and looks at regular intervals, and how often depends on your plan: every 15 minutes on the free one
When to use it
a shop owner who wants every card payment and every incoming transfer copied into a cash-flow sheet.
Watch out
on a busy account, every transaction is a run; put a filter first if only some of them matter.
5

Updated Transaction

Polling trigger

In Zapier“Triggers when a transaction is updated.”

Picks up a transaction that already existed and has just been changed, on the IBAN you choose. It is the broad one: any update counts, not one kind in particular.

How it fires
Zapier goes and looks at regular intervals, and how often depends on your plan: every 15 minutes on the free one
When to use it
a finance lead who mirrors transactions in a reporting tool and wants each correction to follow.
Watch out
when you only care about receipts, labels or VAT, the three narrower triggers below avoid useless runs.
6

Transaction Updated Attachments

Polling trigger

In Zapier“Triggers when the attachments of a transaction gets updated.”

Goes off when the attachments of a transaction change on the account you set, typically when someone adds a receipt or an invoice to it.

How it fires
Zapier goes and looks at regular intervals, and how often depends on your plan: every 15 minutes on the free one
When to use it
an office manager who wants the bookkeeper notified as soon as a missing receipt has been added.
Watch out
a Zap that uses Add Attachment on the same account will set this trigger off again, so keep the two apart.
7

Transaction Updated Labels

Polling trigger

In Zapier“Triggers when the labels of a transaction gets updated.”

Watches the labels of transactions on one IBAN and starts the Zap when they change, which makes it useful when labels drive your sorting.

How it fires
Zapier goes and looks at regular intervals, and how often depends on your plan: every 15 minutes on the free one
When to use it
an agency that tags each expense with a client label and wants it reported to the right project.
Watch out
any change of label starts a run, so check with a filter that the label is the one you expect.
8

Transaction Updated VAT

Polling trigger

In Zapier“Triggers when the VAT of a transaction gets updated.”

Reacts when the VAT information of a transaction is updated on the account you monitor, which makes it the trigger to follow tax corrections.

How it fires
Zapier goes and looks at regular intervals, and how often depends on your plan: every 15 minutes on the free one
When to use it
a freelancer who keeps a VAT tracker outside Qonto and wants it updated as entries are corrected.
Watch out
the Zap only sees changes made after it was published, so earlier corrections stay out of the tracker.
9

New Transfer

Polling trigger

In Zapier“Triggers when a new transfer is detected.”

Triggers when Qonto detects a new transfer on the IBAN you set. It focuses on transfers rather than on every kind of transaction.

How it fires
Zapier goes and looks at regular intervals, and how often depends on your plan: every 15 minutes on the free one
When to use it
a small team that wants a message in its channel every time a transfer goes out to a supplier.
Watch out
a Zap that reacts to transfers by ordering one on the same account can set itself off again.
Actions

The 3 Qonto actions

Qonto gives you 3 actions. For each one: what it does for you, when to reach for it, and what to watch out for.

1

Create External Transfer

Action

In Zapier“Transfers to a given beneficiary Iban”

Sends money from one of your accounts to a beneficiary IBAN outside your organization, with the amount, currency and reference you map.

When to use it
paying an approved supplier invoice the moment it is validated in your approval tool.
Watch out
it requires an Idempotency Key unique to each transfer; map something that changes every run, never a fixed text.
2

Create Internal Transfer

Action

In Zapier“Transfers between accounts of the same organization”

Moves money between two accounts of the same Qonto organization: you give the IBAN to debit, the IBAN to credit, the amount, the currency and a reference.

When to use it
setting a fixed share aside on a tax account each time a client pays.
Watch out
if a trigger watches either account, this transfer can start that Zap again.
3

Add Attachment

Action

In Zapier“Adds a new attachment to a transaction”

Puts a file on an existing transaction, found by its Transaction ID, with the file itself, its name and its extension.

When to use it
a receipt that arrives by email or in a shared folder gets attached to the matching payment.
Watch out
all four fields are mandatory, and without a search step the Transaction ID must come from an earlier step.
When it breaks

When a Qonto Zap breaks

Zapier attaches no help article to Qonto and no limit specific to the app is documented. What goes wrong comes from Zapier's general rules and from the money-moving actions.

With a bank, a broken Zap is rarely silent: it either misses a movement or moves money twice. Six cases to read before you publish.

  • A transfer that restarts its own Zap

    An internal transfer changes the balance of both accounts. If the trigger watches the same account, the Zap sets itself off again and burns tasks.

  • The same Idempotency Key twice

    Create External Transfer needs a key unique to each transfer. A fixed value mapped there breaks that rule on the second run.

  • Past movements are not picked up

    A Zap only reacts to what happens after it is switched on. Last month's transactions stay out; handling that backlog is a separate job.

  • A wrong IBAN in the trigger

    Nearly every trigger watches one IBAN. A typo points the Zap at the wrong account, and the signed-in user needs access to the account you meant.

  • A big batch held back

    After an import or a burst of activity, a trigger that returns a huge batch at once can be held back by Zapier's flood protection.

  • Legacy trigger in a new Zap

    New Transaction (Legacy) still appears in the list. Building on it today means relying on the older version when New Transaction exists.
Need help

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FAQ

Qonto Zapier integration: frequent questions

01Is the Qonto Zapier integration free?
Yes, on the Zapier side. Qonto is not a premium app, so the free plan accepts it, with 100 tasks a month and Zaps of two steps: one trigger and one action. That covers a balance change followed by a transfer. Once you add a filter, which is wise before moving money, or a second action, the Zap becomes multi-step and needs a paid plan. Your Qonto subscription is a separate matter, not covered on this page.
02How many Zapier tasks does a Qonto Zap use?
One per action that succeeds. A Zap that orders one internal transfer per balance change uses one task each time it moves money. Watching the account costs nothing, however often Zapier checks it, and a run stopped by a filter does not reach the action, so it is not billed. Failed actions are not billed either. Be careful with loops: a transfer that restarts its own Zap can eat the monthly count quickly.
03Is the Qonto Zapier integration real time?
No. All 9 Qonto triggers are polling triggers: Zapier asks Qonto for new items on a timer. The interval follows your plan: every 15 minutes on Free, every 2 minutes on Professional, every minute on Team and Enterprise. On paid plans you can also change how often a trigger checks and run a check by hand from the editor. Between two checks, Zapier remembers what it has already seen, so the same transaction never starts the Zap twice.
04What does it take to connect Qonto to Zapier?
A Qonto account with access to the bank accounts you want to use, and a Zapier account. You add the connection from the Apps page, sign in to Qonto in the tab that opens and grant access. Keep the IBANs at hand: nearly every trigger asks for the one to monitor, and both transfer actions ask for the account to debit. If the signed-in user cannot see an account in Qonto, the Zap cannot use it either.
05Can a Qonto Zap send the same transfer twice?
It can if the setup is careless. Create External Transfer asks for an Idempotency Key that must be unique for each transfer, so map a value that changes on every run, taken from the item that started the Zap, never a fixed word. The other risk is a loop: a transfer that changes the balance or creates a transaction on the account your trigger watches restarts the Zap. A filter placed before the action is the usual guard.
06What if the Qonto operation you need does not exist?
On Zapier, Qonto stops at 9 triggers, two kinds of transfer and adding an attachment. There is no search, so a past transaction cannot be looked up, and nothing writes labels or VAT from a Zap. If your need sits outside that list, the Qonto page for Make on our site shows what that platform exposes for the same bank. The lists differ from one platform to the next, so compare them before you design the workflow.
07Zapier, Make or n8n for Qonto?
Decide on criteria, not on a winner. Coverage: Zapier offers 9 polling triggers and 3 actions for Qonto, and Make has its own Qonto page on our site with its own list; we have no n8n page for Qonto. Timing: on Zapier, every trigger follows the interval of your plan. Cost: Zapier bills each successful action, and a filter means a paid plan. Weigh those against who on the team will maintain a flow that moves real money.
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