3rd party transfers - transfers that originate from a bank account that are titled in a name different from the owner of the Kriptomat Account. Third-party transfers are not allowed on Kriptomat, so please make sure that all transfers to your Kriptomat account are made from a bank account held in your name.
If a deposit is made from a bank account registered to a different person than your Kriptomat account, it will be automatically sent back to the original bank account.

Declined KYC - You did not pass your identity verification or you got declined during the ongoing periodical background check for existing users.

Failed Financial Background Check or other compliance checks - Once a user exceeds the 15.000,00 EUR threshold in deposits, we are obliged to make a one-time additional FBC check or other checks (IDCP, monitoring). If you fail to pass the check we will not be able to accept deposits from you. 

Suspicious and potentially fraudulent activities - if the Kriptomat risk team observes any kind of suspicious activity.

You made a SWIFT bank transfer - SWIFT bank transfers are currently not supported by Kriptomat. You can use the SEPA payment method instead.

Wrong recipient details - you did not enter the correct company details or used the wrong ones.

Fast, Urgent, Tele2 transaction - we accept only regular SEPA transactions. If you use additional options such as fast, urgent, and tele2 there is a chance your transactions will be returned to you.

Suspicious transaction - if our partner's compliance team observes any kind of suspicious activity or considers you a high-risk client.