The reason for a returned deposit is often as follows: The first deposit is used as the final part of the identification in the account opening process and is manually checked by our partner bank, Hypothekarbank Lenzburg. The data you have entered as the recipient of your transfer must match the data stored in the bank account you used for the transfer. If they do not match, your deposit will be returned. Please note that you are not only the sender but also the beneficiary of your deposit with your first and last name (and address). Accordingly, you should not enter findependent and/or our address anywhere. You are not transferring your money to us, but to your personal account at Hypi Lenzburg, from where we are only allowed to manage it.