> ## Documentation Index
> Fetch the complete documentation index at: https://docs.qonto.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Requests and transfers

> Transfer and card requests, and read-only SEPA transfer listings

The CLI **cannot make payments**. It can create a **request** (a transfer, several transfers at once, or a card) that an approver in your organization then reviews in Qonto, and it can list the SEPA transfers and beneficiaries that already exist.

## Requests

| Command                                | What it does                                                                                                           | OAuth scope               |
| -------------------------------------- | ---------------------------------------------------------------------------------------------------------------------- | ------------------------- |
| `qonto requests create-flash-card`     | [Create a flash card request](/api-reference/business-api/expense-management/requests/create-a-flash-card-request)     | `request_cards.write`     |
| `qonto requests create-multi-transfer` | [Create multi transfer request](/api-reference/business-api/expense-management/requests/create-multi-transfer-request) | `request_transfers.write` |
| `qonto requests create-transfer`       | [Create transfer request](/api-reference/business-api/expense-management/requests/create-transfer-request)             | `request_transfers.write` |
| `qonto requests create-virtual-card`   | [Create a virtual card request](/api-reference/business-api/expense-management/requests/create-a-virtual-card-request) | `request_cards.write`     |
| `qonto requests list`                  | [List requests](/api-reference/business-api/expense-management/requests/list-requests)                                 | `organization.read`       |

A transfer request is only a proposal: nothing is paid until someone with permission to review requests approves it in Qonto, with their own Strong Customer Authentication. The CLI cannot approve or decline requests.

## SEPA transfers and beneficiaries (read-only)

| Command                                   | What it does                                                                                                                       | OAuth scope         |
| ----------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------- | ------------------- |
| `qonto sepa beneficiaries get <id>`       | [Retrieve a SEPA beneficiary](/api-reference/business-api/payments-transfers/sepa-transfers/beneficiaries/sepa-beneficiaries/show) | `organization.read` |
| `qonto sepa beneficiaries list`           | [List SEPA beneficiaries](/api-reference/business-api/payments-transfers/sepa-transfers/beneficiaries/sepa-beneficiaries/index)    | `organization.read` |
| `qonto sepa bulk-transfers get <id>`      | [Get Bulk Transfer](/api-reference/business-api/payments-transfers/sepa-transfers/sepa-bulk-transfers/show)                        | `organization.read` |
| `qonto sepa bulk-transfers list`          | [List Bulk Transfers](/api-reference/business-api/payments-transfers/sepa-transfers/sepa-bulk-transfers/index)                     | `organization.read` |
| `qonto sepa recurring-transfers get <id>` | [Get SEPA recurring transfer](/api-reference/business-api/payments-transfers/sepa-transfers/sepa-recurring-transfers/show)         | `organization.read` |
| `qonto sepa recurring-transfers list`     | [List SEPA recurring transfers](/api-reference/business-api/payments-transfers/sepa-transfers/sepa-recurring-transfers/index)      | `organization.read` |
| `qonto sepa transfers get <id>`           | [Get SEPA transfer](/api-reference/business-api/payments-transfers/sepa-transfers/sepa-transfers/show)                             | `organization.read` |
| `qonto sepa transfers list`               | [List SEPA transfers](/api-reference/business-api/payments-transfers/sepa-transfers/sepa-transfers/index)                          | `organization.read` |

**Try it**

```bash theme={null}
# Pending requests
qonto requests list --status pending

# Ask for a €250 transfer, for an approver to review
qonto requests create-transfer --debit-iban <your-iban> \
  --credit-iban <beneficiary-iban> --credit-account-name "ACME SAS" \
  --amount 250.00 --currency EUR --reference "Invoice 2026-114" \
  --note "Monthly maintenance"

# Settled and declined transfers since the start of the month
qonto sepa transfers list --status settled,declined --scheduled-date-from 2026-09-01 \
  --fields id,status,amount,reference
```