Investing, made simple

It is a new savings feature within the Satispay app² that allows you to invest your savings in a money market fund, managed by Amundi Asset Management.
Generally, a money market fund pools capital to invest in low-risk, highly liquid, and short-term financial assets. These include short-term government securities, bank deposits, and bonds issued by companies with high credit ratings.

Simple and intuitive, perfect even if you have no investment experience!

There is no minimum amount required. No activation cost, no limits, no restrictions—just maximum flexibility!

With the Invested Money Box, you invest in a money market fund with a low risk profile, designed for long-term stability. This means the potential loss on your investment is a very low risk, even if capital market conditions are poor. Furthermore, the assets the fund invests in (such as government securities or bonds) are held by a third party (the fund's depositary bank) and always remain separate from the assets of the fund manager and Satispay. Therefore, even in the remote event that the fund manager or Satispay were to face solvency issues, the assets in which the fund invests would be protected from the creditors of the fund manager or Satispay.

Absolutely yes. You can deposit or withdraw your money whenever you want, with no constraints. The withdrawn amount will be available in your Satispay balance by the next business day. The Invested Money Box is designed for short-term investments, and the recommended holding period is at least 1 month.

We handle everything! Taxes are automatically calculated and withheld from the return generated by your investment, so you don’t have to worry about anything. Taxes will be calculated and paid automatically when you decide to withdraw your money from the Invested Money Box. The estimated annualized return you see in the application is net of applied fees and gross of taxes. Remember that taxation depends on your personal situation and may change in the future.

There are no fixed costs every time you invest or withdraw your savings! The estimated annualized return of €2.18¹ is net of fees, which are €0.15 for management fees and an estimated €0.02 relating to fund transaction costs. (Satispay fees are already included and are equal to €0 until December 31, 2025). From January 1, 2026, management fees will become €0.16, while Satispay fees will be €0.24. For more information, consult the page dedicated to costs.

Compound interest is an interest calculation mechanism in which the interest accrued on an initial principal is reinvested, in turn becoming part of the capital on which new interest is calculated. In other words, you earn interest not only on the initial principal but also on the interest accumulated in previous periods. Regarding your investment, the money market fund does not distribute its proceeds (interest or returns) to investors but automatically reinvests them into the fund. This continuous reinvestment of returns creates a compound interest mechanism, because the earnings remain within the fund and, in turn, generate new earnings, promoting a progressive growth of the invested capital over time.

Currently, the estimated annualized return can reach up to $2.18¹. This return is net of Satispay and fund fees (but taxes must still be applied). The fund's performance is linked to the reference interest rates set by the European Central Bank. This means that any increases in interest rates would lead to an increase in the annualized return, while any decreases would lead to a drop in the annualized return. Your investment benefits from the compound interest mechanism, making it worthwhile to leave your money invested over time.

Stamp duty is a tax required by Italian law that applies to financial products, including the Invested Money Box. It is currently 0.20% annually and is calculated on the value of your investment. The exact amount you pay depends on how long you keep the investment active during the year, thanks to a proportional (pro-rata) calculation performed at the end of every calendar year. The good news is that you don't have to worry about calculations or payments: we handle everything! The amount due is automatically debited from your Satispay Available Balance once a year, by the end of December. Just make sure you have sufficient funds in your Available Balance during tha