INVESTING WITHOUT ALL THE
NUMBERS AND BUTTON FLUFF
For everyone, regardless of financial knowledge.
For too long, investing has been something only for people with deep pockets or a financial degree. We make investing simple, transparent, and accessible, just like saving. This way, everyone can benefit from economic growth.
For everyone, regardless of financial knowledge.
With UpToMore, you automatically invest in thousands of companies worldwide. This reduces your risk: if one company underperforms, it’s offset by the rest. By regularly investing, you’re not dependent on the perfect entry moment (which nobody knows). This scientifically proven approach is called passive investing.
Average 8% growth since 1984
This graph shows an approximation of the development of the global stock indices in which UpToMore now invests. Past performance does not guarantee future results.
You don’t need to invest much for a great result.
From to in years of investing.
Investing involves risks — you can lose (part of) your deposit if the stock market falls. If you save, you don’t run that risk. Shown results offer no guarantees for the future. They are based on long-term returns from the past, after deduction of costs. Your actual result may differ. UpToMore does not provide investment advice.
| Investment | €1 | |
|---|---|---|
| Gross return | €1 | – |
| Gross expected value | €1 | |
| UpToMore costs | €1 | 0% |
| Index fund costs | €1 | 0% |
| Total costs | €1 | 0% |
| Net expected value | €1 | – |
| Of which profit | €1 | – |
Banks and traditional providers often charge 2 to 4 times as much in fees. Curious how much you could save? See below the difference when investing €150 per month for 10 years.
This overview includes all costs of asset managers including underlying fund costs as known on 20-02-2025 with an expected return of 8.45%. For banks, current account costs are not included.
Real customers experts about us
Great app! Don’t know any investment platform that works as easily as this.
Incredibly easy to set up your account, took me no more than 4 minutes.
Investing with UpToMore costs €0.99 per month + 0.1% per year. This is possible because:
The costs are automatically settled daily within the fund — so you don’t see them as a separate deduction.
Good to know: ETFs also have their own costs. These costs are always there, even if you manually trade ETFs yourself. We always choose the cheapest options, which is why they are only 0.16% with us.
Timing the market is a gamble. But investing a fixed amount every month helps smooth out the ups and downs. Some months, you’ll buy when prices are high. Other months, when they’re low. Over time, you ride the long-term trend. And that trend? It’s up.
With UpToMore, you can set up automatic deposits and invest on autopilot.
No one can predict the future, not even us. But history shows that the world economy continues to grow. That’s why we follow a simple, proven strategy: diversify your investments across regions, sectors, and time. It’s what experts recommend, and it works.
Get the most out of your investments with these three rules:
If you can spare your money for at least five years, UpToMore is for you. Whether you want to invest €50 or €5,000 per month — we make it just as easy as saving.
At the moment, UpToMore is only available for individuals with a Dutch bank account (no business accounts). We will be expanding within Europe soon!
You invest in the UpToMore Fund, which spreads your money globally across thousands of companies and all sectors. This is done through ETFs, so you’re not gambling on a few companies; you’re following the growth of the global economy.
We only choose ETFs with high ESG scores.