How do I get started with Kvarn X?
Getting started takes only a few minutes using your online banking credentials:
Create a free Kvarn X account on our website or in the Kvarn X mobile app.
Verify your identity securely using your online banking credentials (Nordic customers) or passport and confirm your identity.
Once your account is open, you can immediately start trading crypto-assets. In addition, you can activate stock and ETF trading under a separate agreement (Stock Trading Agreement).
You can get started by depositing funds into your portfolio once your securities account has been opened.
Make a SEPA bank transfer and your funds will become available in your securities account, which is held in custody with our partner.
Start investing in global stocks and ETFs immediately.
You gain access to leading markets, curated investment themes and powerful portfolio management tools – all on a secure and easy-to-use platform.
What are the trading fees on Kvarn X?
Kvarn X offers some of the most competitive trading fees in the Nordics with fully transparent and consistent pricing:
0.06% per trade (minimum €4)
Consistent pricing across the US, European and Nordic markets – for stocks, ETFs, ETPs and investment funds
No hidden fees or complicated pricing tiers – simple and transparent pricing for every trade
As your trading volume increases, your commission level is automatically reduced.
Are my assets safe with Kvarn X?
The security of your assets is our highest priority. Kvarn Investment Services Oy is an investment services firm authorised and supervised by the Finnish Financial Supervisory Authority (FIN-FSA). The company’s authorisation covers the reception and transmission of orders. Kvarn Investment Services Oy does not provide investment advice or services related to crypto-assets. Custody of financial instruments and other investment services are provided through regulated partners operating within the EU. All client funds and securities are held in segregated accounts in the clients’ own names with trusted EU custodians and service providers. Kvarn complies with strict European financial, operational and information security standards to ensure the highest level of security, transparency and protection of client assets.
Can I start investing with a small amount?
There is no minimum deposit requirement. You can start investing with an amount that suits your goals – whether you are making your first investment or growing your existing portfolio. Kvarn X is designed to make investing easy and cost-efficient for everyone.
Can I trade both in the app and in a browser?
Yes – Kvarn X is available to you wherever and whenever you need it:
On mobile: with the Kvarn X app (available from the App Store and Google Play)
On desktop: through the full-featured web application
Both versions provide real-time market data, portfolio tracking, content and news, as well as seamless trading across global markets – so you can manage your investments effortlessly wherever you are.
How does Kvarn X compare with other brokers?
Kvarn X offers some of the lowest trading fees in the Nordics for US stocks and European ETF and ETP products – helping you keep more of your money invested.
Thanks to a simple and transparent pricing model, you can trade across the US, European and Nordic markets at a fraction of the cost of traditional brokers.
After the promotional period, the standard price list applies, with a minimum commission of €4 per trade. See the full price list here
Is the Kvarn X platform suitable for beginners?
Absolutely. Kvarn X is designed for both beginner and active investors.
You get access to:
Low fees and transparent pricing – keep more of your assets invested.
An intuitive and modern platform that is easy to use on both mobile and desktop.
Educational materials and market insights that help you learn and make considered investment decisions.
Local and multilingual customer support, available in Finnish, English and Swedish.
Modern tools for monitoring and analysing your portfolio
Investment account type
With Kvarn X, investments in stocks and ETFs are made through a securities account. A securities account should not be confused with an equity savings account, which is intended exclusively for investing in shares and does not allow investments in instruments such as ETFs or ETPs. In addition, the taxation of an equity savings account differs from that of a securities account.
What is Kvarn X?
Kvarn X is a modern investment platform for investors who value global diversification, broad access to different investment instruments, transparency and local expertise to support their investment journey. You can invest in US and international stocks, ETFs and other exchange-traded products with some of the most competitive fees in the Nordics – through a modern and secure web and mobile interface.
Our goal is simple: to give investors the opportunity to build diversified, forward-looking portfolios easily and cost-efficiently. Kvarn X connects you to global markets, leading issuers and innovative investment themes, supported by reliable market insights, up-to-date market data and educational content.
We believe every investor should have the opportunity to stay informed, learn and participate in the global investment market – bringing together all the necessary tools, insights and transparency in one seamless platform.
Kvarn X does not provide personalised investment advice or recommendations. All information is for general educational purposes only. Investing involves risk. The value of investments can rise or fall, and you may lose some or all of the money you invest. Past performance is not a reliable indicator of future results.