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What's required to open up a Curvo account
I don't live in Belgium. Can I still open an account with Curvo?
No. Curvo is only available if you are domiciled in Belgium. If not, we're unable to open an account for you. We do plan on expanding throughout Europe over the next couple of years. We're still learning where Curvo is most needed. Email us at firstname.lastname@example.org and let us know what country you live in.
How is Curvo different from a bank?
Banks offer many more services than Curvo does: checking and savings accounts, mortgages, credits... When it comes to investing, Curvo offers a different philosophy than traditional banks. We believe in passive investing through index funds, but they have historically offered only actively managed funds. These are very expensive to run so they charge high fees for them. However, research shows that only a minorit
Can I move my money out if I want to?
Yes. It’s your money so you can withdraw it at any time with no fees.
What investor profiles does Curvo portfolios offer?
When you first sign up to Curvo, you'll fill in a questionnaire to use our service. We'll then determine your appetite for risk, financial goals and time horizon for your investments. There are five different investor profiles each matching to a different portfolio They go in order of most risky (but highest expected return) to least risky: Growth Energetic Smooth Calm Protective
Who can use Curvo?
The following requirements are necessary to use Curvo: You are domiciled in Belgium You are 18 years old + You have an itsme account You have a Belgian bank account
Can I meet you in real life?
We're a remote company so we don't have a physical office. However, we organise meetups. Due to the pandemic, we've switched these get-togethers online, so seeing us on video is the best we can offer you at the moment. Head on over to our Webinars page to stay on top of future events.
Why would I need Curvo if I already have a pension saving plan ("épargne-pension" or "pensioensparen")?
It's great that you're already saving for your pension. We think the Belgian pension saving plan is a good system thanks to the tax break. However we see a couple of limitations: Your contributions are capped at €1,270 per year. Pension saving funds are constrained in how they invest your money. This puts a limit on the return of your investments. Curvo Portfolios are a good option if you wish to save more than €1,270 in a year or if you seek a higher return. We have written two resourc
Can I open an account for my children?
For now, you can open a Curvo account only in your own name. We are looking to add this functionality in a future update of the app. Drop us an email at email@example.com if you really want this.
What if I have investments elsewhere?
Unfortunately we cannot transfer assets over. We recommend you sell your positions and then transfer the money to your Curvo portfolio. You can email us at firstname.lastname@example.org and we'll get back to you promptly with a plan of action.
Am I locked in to a long contract with Curvo?
No. Although investing with Curvo is a long-term proposition, there is absolutely no lock-in. We offer free withdrawals at anytime and there's no minimum investment period.
How much do I need to start investing?
Our account minimum is €50. However, we will close your account if its value has less than €200 and you have not added any money for the last six months. We recommend setting up monthly contributions to put your investments on autopilot.
Can I access my Curvo account on a computer?
No. You can only access Curvo through the app which can be downloaded for iOS and Android. At the moment, we have no plans for developing a web version that you can access from your computer.
What information do you collect?
During your sign-up, we collect several types of information: Personal information: through itsme, we collect your name, date of birth, address... Your financial situation: to match you with the best Curvo portfolio and ensure you're not a criminal mastermind Your appetite for risk: to help us understand what sort of investor you are The IBAN of your bank account: to transfer money to your portfolio To summarise, we collect this information to provide you with the best offering and to c
Can a business or legal entity become a client of Curvo?
No. We only accept individuals for the time being. If you're a business and interested in investing through Curvo, do reach out to us for a conversation email@example.com
How long does it take to open an account with Curvo?
When you first start with Curvo, we'll ask you a series of questions to better understand you and your goals. This is all done through the app and roughly takes six minutes. Once you have completed those first steps, verification needs to happen on our end. This usually doesn't take longer than a day. You'll then be able to start investing!
How do you define "long-term" investing?
Every investment carries risk. Even though the global economy has been growing consistently over the last 100 years, there have been periods of downturns where returns were negative (think about the corona crisis!). To iron out temporary fluctuations in the markets and end up with a positive return, it's important to invest for the long term. Curvo is not for you if: you want to actively pick stocks to invest in you're looking to make a quick buck through your investments Investing is for
I like the idea of Curvo but I'm not yet ready to invest.
No problem. Investing money and financial planning is a big decision. You can schedule a call with one of the founders to learn more about Curvo. We also recommend you sign up to one of Curvo's online webinars to get a full rundown of our offer. In the meantime, the following resources may help you learn more about passive investing: [Why you should passively invest your savings](https://curvo.eu/article/why-you-should-passive
Can I open a joint account with Curvo?
Currently you are unable to. We are exploring this functionality in future Curvo updates. Drop us an email at firstname.lastname@example.org if you really want this.
Do you offer fractional shares?
Yes. Fractional shares means that every single cent of yours is invested. This implies that all your money is invested and working for you.
Can I use Curvo without an itsme account?
Curvo only works if you have an itsme account. We authenticate Curvo customers using itsme which is a digital ID. It's safe, secure and it's easy to create an account. Simply download their app here: https://www.itsme.be/