If your deposit or withdrawal isn’t appearing in your account as expected, don’t worry – the issue can usually be resolved by following a few simple checks.
Please review the steps below before contacting our customer support team.
Instant Deposit (Zimpler)
If the payment appears as reserved on your bank account but not in the Kvarn X service, the transfer may have failed on your bank’s end – even if the confirmation seemed successful.
Kvarn X only credits funds once a confirmation has been received from the payment intermediary.
If this confirmation doesn’t arrive, the funds are automatically refunded to your bank account within 1–3 business days.
What to do:
Make sure both confirmation steps were completed successfully.
If necessary, contact your bank – they can check the transaction and speed up the refund.
Note: Some banks, such as S-Bank, experience confirmation issues more frequently.
If this happens, try making the deposit via SEPA bank transfer or card payment instead.
SEPA Bank Transfer
Check that the following payment details were entered correctly:
Recipient: Kvarn Capital Oy
Account number (IBAN)
Message field: your personal reference number (do not enter it in the reference field)
BIC code
If any details are missing or incorrect, the payment matching may be delayed, or the funds will automatically be returned to your bank account.
⚠️ Important: Most banks now verify the recipient’s name during transfers.
Ensure that the name is entered exactly as shown: Kvarn Capital Oy.
Card Payment (Including Apple Pay / Google Pay)
If your card has been charged but the deposit doesn’t appear in your account, this may be due to:
A processing delay by the payment intermediary (e.g., Visa, Mastercard, Klarna)
A short update delay in your account balance
In most cases, the issue resolves itself automatically after a short time.
Contact Customer Support If:
If none of the above steps resolve the issue, please contact our Customer Support directly via the Profile menu and select Support.
To help us resolve the issue faster, include the following details in your message:
Date of the transaction
Amount
Payment method used
Transaction ID (if available)
A copy of the receipt or bank statement
We will investigate the matter as quickly as possible – thank you for your patience!