How is my money invested?

The investment journey

Here's what happens step by step when you deposit money with Curvo:

1. You make the deposit
2. We receive your deposit
3. We send the orders to the fund providers
4. Your investments are completed

We receive your deposit (1-3 business days)

We count up to 3 business days (although it usually happens faster) between you making the deposit and us receiving at the Rabobank deposit account. We'll notify you in the app once it's received and processed. The money stays shortly on this account until it is sent to the fund providers to be invested according to your portfolio.

We place your investment orders (same day or next business day)

We create orders that match your portfolio and send them to the fund providers. This happens once daily when markets are open (Monday to Friday). So depending on when your deposit comes in, it's either on the same day or on the next business day.

Your investments are completed (up to 4 business days)

The fund providers confirm your orders and your money is officially invested. Your investments are then held safely by our custodian, which is completely separate from Curvo.

When will I see my investments in the app?

Usually the same day your investments are completed, though sometimes it's the next day depending on when we get the confirmation.

Why does it take several days?

We know waiting can be frustrating, but there are good reasons for the timeline.

Direct from the fund provider

We buy institutional funds directly from providers like Vanguard, Amundi and iShares. Unlike ETFs, we don't buy them through stock exchanges. This means:

• Better prices (no bid/ask spreads)
• One fair price per day based on the actual value of underlying assets

Settlement periods

Fund purchases need 1-2 business days to officially complete (called T+1 or T+2 settlement), depending on the fund. This ensures everything is properly confirmed and recorded.

Built for long-term investing

This process is designed for long-term investors rather than day traders that want to time the market.

The bottom line

Your money is working for you throughout this process. The few extra days ensure you get better execution than typical retail brokers.

Still have questions?

Click the "Chat with us" button below and we'd be happy to help clarify anything.

Updated on: 19/09/2025