You can also deposit funds to your Kvarn X account using a traditional SEPA bank transfer from your own online bank.
How to Make a Manual Bank Transfer
Mobile app
Go to the Transfer section
Click Deposit cash
Select Manual Bank Transfer (SEPA) as the deposit method
Web version (e.g. Chrome or Safari)
Go to the Transfer section
Select Fiat
Click Deposit
Choose the portfolio you want to fund
Select Manual Bank Transfer (SEPA) as the deposit method
You will then see the payment details required for the transfer, which you must copy into your online banking form.
Payment Details
Recipient: Kvarn Capital Oy
IBAN (Account Number): [shown in the service]
BIC Code: [shown in the service]
Message: Use the numeric code provided to you → do not use a reference number
⚠️ The message field is important — it ensures your payment is matched to the correct account!
Good to Know
Bank transfer is a safe and reliable way to deposit funds
No transaction or daily limits apply
Processing time depends on your bank (usually 0–1 business days)
Make sure all payment details are entered correctly to ensure automatic allocation of funds to your account
If you have any questions about the payment details or if your transfer does not appear, our customer support team will be happy to assist you.
SEPA transfers are secure, straightforward, and typically reach your Kvarn X account within one business day.