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Instant deposit

Deposit, instant deposit, real-time deposit, payment, bank deposit

Instant deposit is the fastest way to transfer cash to your Kvarn X portfolio. The deposit is made securely from your own bank account and will appear in your account immediately after the payment has been completed.

Please note that instant deposits are not available for securities accounts; you can find the bank transfer details for making a deposit (SEPA) under Transfer in the app and web application.


How to make an instant deposit:

Mobile application

  1. Go to Transfer in the menu

  2. Select Deposit cash

  3. Select Zimpler instant deposit as the deposit method

  4. Enter the amount (maximum €50,000 per transaction)*

  5. Select Continue

Web application (e.g. Chrome or Safari)

  1. Go to Transfer

  2. Select Crypto

  3. Select Deposit cash

  4. Select the portfolio you want to deposit funds into

  5. Select Zimpler instant deposit as the deposit method

  6. Enter the amount (maximum €50,000 per transaction)*

  7. Select Continue and follow the instructions

*You can make multiple deposits of up to €50,000. If you want to deposit a larger amount in a single transaction, use a standard bank transfer (SEPA payment). Standard bank transfers typically appear on the same day, but no later than within 3 days.


An instant deposit consists of two confirmation steps:

  • Identification using online banking credentials

  • Payment confirmation from your selected bank account

⚠️ Please note that both steps must be completed. There may be minor differences between banks, but the instructions will guide you through the entire process.


Zimpler – regulated payment partner

Instant deposits are provided in cooperation with Zimpler AB, a Swedish payment institution.

  • After your first payment, you can save your bank account details, which means:

    • You do not need to identify yourself again

    • You can proceed directly to payment confirmation

    • Deposits can be completed in just a few seconds


Possible issues

If your deposit:

  • does not appear in your Kvarn X portfolio

  • is interrupted

  • appears as debited from your bank account but is not visible in the service

Contact our customer support – we will investigate the situation promptly.

The most common causes of issues are:

  • payment limits set by your bank or on your account (amount or destination country, in this case Sweden)

  • unsuccessful identification or confirmation

  • payment delays caused by your bank’s internal review process


Instant deposits are secure and fast – and even more convenient after your first payment.

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