If a deposit or withdrawal you have made is not showing in your account as expected, the issue can often be resolved with a few checks. Please go through the points below before contacting our customer support:
Instant deposit (Zimpler)
If the payment appears in your bank account as pending, but is not visible in Kvarn X, the transfer may have failed on the bank’s side – even if the confirmation appeared successful. Kvarn X credits the funds only after confirmation has been received from the payment service provider. If this confirmation is not received, the funds will automatically be returned to your account within 1–3 banking days.
What to do:
Make sure that both confirmation steps have been completed
If necessary, contact your bank: they can check the transaction and may be able to speed up the release of the funds
Please note: Some banks, such as S-Bank, may experience confirmation issues more frequently. If this happens, you can try making the deposit via SEPA bank transfer or card payment instead.
SEPA bank transfer
Check that the following payment details have been entered correctly:
Recipient: Kvarn Capital Oy
Account number (IBAN)
Message field: your personal payment identifier (enter it in the message field, not in the payment reference field)
BIC code
If any of the details are missing or incorrect, matching the payment may be delayed or the funds may be automatically returned to your bank.
Important! The recipient’s name is now verified by most banks. Make sure that the name is entered exactly correctly.
Card payment (including Apple Pay / Google Pay)
If your card has been charged but the deposit is not showing in your account, this may be due to:
A processing delay by the payment network or payment service provider (e.g. Visa, Mastercard)
A short delay in updating your account balance
In many cases, the issue resolves automatically after a short while.
If none of the above resolves the issue, please contact our customer support through Support > Start a conversation in your profile menu.
To help us investigate the issue more quickly, include the following information in your message:
Transaction date
Amount
Payment method used
Transaction ID (if available)
Copy of the receipt or bank statement
💬 We will investigate the issue as quickly as possible – thank you for your patience!