Invest in stocks and ETFs

Through the Investments section of the app, you can buy and sell two types of financial instruments: shares in companies and units or shares of ETFs. When you buy a stock, you buy a small stake in a single company. An ETF (Exchange-Traded Fund) is a fund that itself invests in a basket of financial instruments, such as hundreds of stocks.

You can use the funds in your Available Balance in the app or the IBAN linked to your account.* Select the portfolio you want and enter the amount: the minimum amount is €1 and the transaction is executed as a market order, at the best available price when it is processed. You can also set up a recurring purchase order. * Instant top-up from an IBAN is a feature available to a limited number of users.

Fixed transaction fee: €0.89 for each order, both for buying (one-off or recurring) and for selling. Buying commissions are waived for all recurring purchase orders for Vanguard ETFs. Other costs (such as an ETF's TER) and taxes may apply. Before each investment, you can view the Ex-ante Costs Document in the app; it is also sent to you by email for every completed order.

Unlike Satispay Funds and the Invested Money Box, any gains from stocks and ETFs are subject to taxation, and you are responsible for declaring your income and paying taxes in accordance with current legislation. Only the Financial Transaction Tax (FTT) is applied at source. Every year, you can find a detailed tax report in the app (profile picture > Documents).

They are portions of whole stocks or whole ETF units or shares: they allow you to invest even a small amount in securities with a high unit price, starting from €1. There are some differences compared with a whole stock: 1. in the case of a fractional stock or unit, you do not have voting rights at shareholder meetings unless you own at least 1 whole stock or unit; 2. fractions cannot be sold to other investors on the market. You can only resell them to our partner Upvest, which buys them back in the app; 3. fractions cannot be transferred to another platform. To close the position, you must sell them in the app at the market price.

The assets in your securities account opened through the Satispay app (through our partner Upvest) are generally sub-custodied by Upvest in an omnibus securities account (i.e. opened in Upvest's name and on behalf of all its clients) at a bank. This account is segregated from the assets of Upvest and the custodian bank, thereby keeping clients' assets safe from potential creditors of both Upvest and the custodian bank.