Micro Invest

Pay by card and invest

You can start investing today – it's simple and automatic
Each card payment will be rounded up to the next full euro
The difference will be invested in the chosen Swedbank Robur fund

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All payments with a card or digital wallet, except cash withdrawals in ATMs or at Merchant.

The calculation is based on an assumption that an average of 0.50 EUR is rounded-up for Micro Invest with each card payment.

EUR

Enter the period in years – for how long you plan to save or invest.

The selected rate of return is used for calculations of the estimated results. The rates of return on investments are not guaranteed and future result cannot be predicted. To see the impact of different rates of return on your investments, enter different rates and calculate the results with best-case and worst-case scenarios.

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Invested amount Card payment round-up amount
0 EUR
Profit Potential profit from contributions paid during the investment period.
0 EUR
Value after 10 years The value of savings is calculated using your chosen expected rate of return, the investment period, and the amount invested. The actual value of the savings depends on the investment performance of the assets, which is not guaranteed.
0 EUR

What is the compound interest effect?

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*Important notice about calculator
The purpose of the calculator is to illustrate the return on the investment over a particular time period. The calculator value limits do not refer to maximum or minimum returns over the chosen period. The return displayed in the calculator is not guaranteed, nor based on real market returns. Fees have not been taken into account in the calculations. Investing entails risks. The value of any investment may increase or decrease over time. Historic returns do not guarantee similar results in the future. Read more about the average equity market return.

1. From each card payment

Whenever you pay by card, your purchase amount will be rounded up to the next full euro.

2. A small amount is set aside

The difference will be set aside in your bank account as a reserve for investments.

3. And invested automatically

Once a week this reserved amount will be automatically invested in your chosen Swedbank Robur fund.

It’s simple – the more often you pay by your card, the more you’ll set aside for Micro Invest.

When enabled, the round-up allows a small amount to be set aside every time you pay with any of your cards.
The amount is the difference between your purchase amount and the next full euro. For example, if you pay 2.65 EUR, then 0.35 EUR will be automatically set aside as a reserve for Micro Invest.
The round-up feature applies to payments by all your cards – both debit and credit.

You will make your money work for you. You will be able to earn a long-term investment return.
Transactions with Swedbank funds and safekeeping are free of charge.
Investing into funds allows minimizing the investment risk, as investments are made into many different companies.

Swedbank Robur is one of the largest Scandinavian asset management companies active since 1967.
Swedbank Robur funds are managed by professional investment managers with extensive experience.
We offer investment fund solutions covering most of the major regions of the world, sectors and asset classes.

Start from here or open the app, go to “Services > Investments, Savings > Micro Invest
Choose a fund from the list of funds
Open an investment account if you don’t have one already
That’s it! Your Micro Invest has been activated

Keep in mind that your first fund purchase will happen in about a week. Your card payment round-ups will start from the first card purchase made after activating Micro Invest.

Micro Invest is available from the age of 18.
Every investor needs to hold a securities account or an investment account. You’ll easily open an investment account when activating the Micro Invest. Learn more about accounts for investing here.
No minimum first contribution – you will start setting aside money for investments from your first card payment made after activating Micro Invest.
You can use the round-up feature for both solutions in parallel – for Micro Invest and Easy Saver.
You can withdraw the amount reserved for Micro Invest free of charge before it is allocated for the purchase of fund units by disabling the card payment round-up feature. However, it is not possible to cancel purchase orders that have already been submitted.
You can enable and disable the Micro Invest round-up feature at any time.
You can sell your fund units at any time and with no fee charged. The money will be credited to your account within 3–4 working days. When considering selling, remember that the value of any investment may increase or decrease over time.

Note! After selling your fund units, you may need to declare profit and pay taxes. Read more here.

documentOrder processing conditions

Fund orders submitted to the Bank cannot be cancelled.
Fee for fund switch transactions charged only on delivery side.
Fund switch subject to the conditions specified in the fund terms.

Service	Price, EUR
Receiving
Opening of securities account	See Securities account
Securities account statements	See Securities account
Subscription, redemption and switch of investment fund units options Fund orders submitted to the Bank cannot be cancelled. Fee for fund switch transactions charged only on delivery side. Fund switch subject to the conditions specified in the fund terms.
Subscription	Bond	Equity and balanced
Swedbank Group funds	Free of charge	Free of charge
Regular automatic investment
Swedbank Group funds	Free of charge	Free of charge
Redemption / switch
Swedbank Group funds	Free of charge	Free of charge
Monthly Funds Safekeeping Fees
Swedbank Group funds	Free of charge
Closing
Closing of securities account	See Securities account

Effective from 09.12.2019

Fee for the tax reclaim or voting service will be debited from the Client’s cash account linked to the securities account within 15 days after the tax reclaim documents or voting documents were submitted. External costs debiting may also happen in later months depending when the Bank is invoiced by its counterparty. The fee will not be refunded in case the application is rejected by third parties.
Maintenance fee of an owner account is charged in addition to monthly securities safekeeping fee. Owner account is an account in the name of the Client opened at Nasdaq CSD SE and used only on behalf of the specific Client.
Owner account at Nasdaq CSD SE may be opened only at the branch office.

Safekeeping fee is calculated based on the value of the portfolio on the last date of the calendar month. Securities are priced according to the month end prices of the Bank’s local agents, market price or nominal value. Bonds are priced at nominal value. Fees are debited on the 20th or later date of the following month from the Client’s cash account linked to the securities account.
ETF safekeeping fee equals to the safekeeping fee of its trading country.
Safekeeping of Depositary Receipts (ADR, GDR) is subject to the respective DR Agent’s fees in addition to safekeeping fees.

Effective from 01.04.2023

Service	Price, EUR
Receiving
Account opening	0,00-4,50 Via Internet Banking - Free of charge At branches - 4.50
Account statements
Statement of holdings	0,00-7,00 Via Internet Banking - Free of charge At branches – 7.00
Statement of transaction	0,00-7,00 Via Internet Banking - Free of charge At branches – 7.00
Monthly Securities Safekeeping Fees options Safekeeping fee is calculated based on the value of the portfolio on the last date of the calendar month. Securities are priced according to the month end prices of the Bank’s local agents, market price or nominal value. Bonds are priced at nominal value. Fees are debited on the 20th or later date of the following month from the Client’s cash account linked to the securities account. If Client only holds securities of Estonian, Latvian or Lithuanian companies under liquidation or bankruptcy proceedings according to the Nasdaq CSD SE data, no safekeeping fee is charged. ETF safekeeping fee equals to the safekeeping fee of its trading country. Safekeeping of Depositary Receipts (ADR, GDR) is subject to the respective DR Agent’s fees in addition to safekeeping fees.
Swedbank Group funds	Free of charge
Baltic securities	Free of charge
Other investment funds, equities and bonds*
- Up to 100 000 EUR**	Free of charge
- From the value above 100 000 EUR**	0.008%
* Securities registered in Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Hungary, Ireland, Italy, Netherlands, Norway, Poland, Portugal, Russia, Spain, Sweden, Switzerland, UK, USA and Depositary Receipts (ADR, GDR), Eurobonds. ** Swedbank Group Funds and Baltic securities are excluded from the calculation of the portfolio value for safekeeping fee calculation.
Other countries	Subject to agreement
Other services options Tax relief at source / tax reclaim and general meeting services are subject to availability on each specific market. Maintenance fee of an owner account is charged in addition to monthly securities safekeeping fee. Owner account is an account in the name of the Client opened at Nasdaq CSD SE and used only on behalf of the specific Client. Owner account at Nasdaq CSD SE may be opened only at the branch office.
Owner securities account opening at Nasdaq CSD SE	50.00
Owner securities account monthly account maintenance	50.00
Participation in general shareholder meeting	120 EUR + external costs + VAT The service fee is subject to 21% VAT. The general meeting service is subject to availability on each specific market.
Processing of electronic voting instructions at general meeting	50 EUR + external costs + VAT The service fee is subject to 21% VAT. The general meeting service is subject to availability on each specific market.
Other corporate action	Subject to agreement We set the fee for other corporate actions as „Subject to agreement“ as the range and technical nuances vary.
Tax reclaim	60 EUR + external costs + VAT The service fee is subject to 21% VAT. The tax reclaim service is subject to availability on each specific market.
Tax relief at source	Free of charge The tax relief at source service is subject to availability on each specific market.
Mandatory corporate actions	Free of charge
Closing
All securities account types	Free of charge
Transactions with securities	See Securities and Other Exchange-traded financial instruments
Transactions with investment fund units	See Investment Funds

Effective from 01.04.2023.

Frequently asked questions

There are various options:

Use a simple fund selection tool to find out which fund you might consider.
Check the list of funds and review their documentation.
If you need assistance, book a free remote consultation with our investment specialists – by phone on 67 444 442 (weekdays 9.00–17.00) or via Internet Banking.
To get our advice on the most suitable investment solution, complete the Investment Profile Questionnaire. In it, we will ask about your savings and investment goals, knowledge and experience in the field of investments, financial situation, risk tolerance, and sustainability preferences.

The rounded-up payment amount for investments will be reserved in the current account you’ve specified when activating your Micro Invest.

Once a week, the amount will be automatically invested in a Swedbank Robur fund of your choice. The bought fund shares are usually credited to the securities account within 2-3 business days.

The round-up feature will work if there’s sufficient amount of your own money in the account. Make sure that the account also has enough money for covering mandatory payments.

The round-up feature can be used for more than one solution at a time: for saving with the Easy Saver and investing with Micro Invest.
If you have the Easy Saver with the card payment round-up feature enabled, it will also remain active after you’ve started using Micro Invest.
Keep in mind that in this situation your rounded-up card payment will double. For example, when you make a purchase of 2.65 EUR, 35 cents will go to your Easy Saver round-up, and another 35 cents will be set aside for Micro Invest.

You can view your investments and the results of your investments on the Internet Banking site under “Savings, Investments”-> “Overview”-> “My portfolio” or in the mobile app under “Overview”-> “My investments”.

Activate Micro Invest for the new fund. Once it is done, Micro Invest of the existing fund will be automatically deactivated and the reserved amount released back into your account.

You can sell your investments (fund units) at any time with no fee charged. The money will be transferred to your account within 3–4 business days. When considering selling, remember that the value of any investment may increase or decrease over time, and after selling your fund units, you may need to declare the profit and pay taxes. Find out more here.
You can withdraw the amount reserved for Micro Invest free of charge before it is allocated for the purchase of fund units by disabling the card payment round-up feature. However, it is not possible to cancel purchase orders that have already been submitted.

A convenient way of diversifying and sustainably investing spare money.

It is an excellent free tool for conveniently and seamlessly saving money for a safety cushion or other short-term goals.

For those who want to create an investment portfolio on their own.

Learn more about investments and find out which solution you could start with.

Micro Invest