For technical reasons, the quarterly management and custody fees are charged to all clients regardless of the fee-free amount. The fees on the investment sum below the fee-free amount are subsequently refunded (usually on the next working day). You will also find this refund in the transaction overview in your app. The transaction is called Reimbursment of fees from findependent and is marked in green. You can also easily and conveniently call up the corresponding receipt for this transaction as a PDF.