Get started with up to €300*

17.19% average 12-month return on funds*

Get started with up to €300*

17.19% average 12-month return on funds*

Get started with up to €300

17.19% average 12-month return on funds*

Get started with up to €300*

17.19% average 12-month return on funds*

Invest with impact

Invest in the world you want to live in by investing in companies that champion the change you want to see.

Trusted by 1000s of EU investors

EU asset protection

EU-licensed financial institution

Choose the world your money finances

At Monfilo we give you the tools to invest in what’s important to you.

  • Pick from over 16 UN Sustainable Development Goals
  • Use up to 19 exclusions lists
  • Track the impact of your investment
  • Define the world you want to invest in
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Schroder International Selection Fund - Global Energy Transition A

Fund Performance

-€3.74(-4.75%)

Impact Score

59%
Affordable and clean energy
tobacco

Candriam Sustainable Equity Climate Action C-EUR-Unhedged

Fund Performance

-€2.98(-2.52%)

Impact Score

45%
Affordable and clean energy
pork,oil-gas-fossil-fuels,alcohol

Franklin Templeton Investment Funds-Templeton Global Climate Change Fund A(acc)

Fund Performance

-€1.02(-2.79%)

Impact Score

44%
Affordable and clean energy
alcohol,tobacco,oil-gas-fossil-fuels

Schroder International Selection Fund - Global Energy Transition A

Fund Performance

-€3.74(-4.75%)

Impact Score

59%
Clean water and sanitary facilities
oil-gas-fossil-fuels, pork,tobacco

Nordea 1 - Global Sustainable Listed Real Assets Fund - BP - EUR

Fund Performance

+€2.39(2.95%)

Impact Score

41%
Affordable and clean energy
pork,alcohol,tobacco,oil-gas-fossil-fuels

Robeco Capital Growth Funds -Robeco Global Gender Equality D EUR

Fund Performance

-€0.51(-0.22%)

Impact Score

51%
No hunger
alcohol,oil-gas-fossil-fuels,pork

Robeco Capital Growth Funds -Robeco Global SDG Equities D EUR

Fund Performance

-€1.02(-0.56%)

Impact Score

52%
No hunger
alcohol,oil-gas-fossil-fuels,pork

Pictet - Global Multi Asset Themes

Fund Performance

-€2.37(-2.30%)

Impact Score

49%
No hunger
tobacco,alcohol,oil-gas-fossil-fuels,pork

BL-Equities Japan B EUR Hedged

Fund Performance

+€15.29(5.00%)

Impact Score

47%
Clean water and sanitary facilities
alcohol,oil-gas-fossil-fuels,pork

Candriam Equities L - Candriam Equities L Oncology Impact C - EUR - Unhedged

Fund Performance

+€5.54(2.26%)

Impact Score

77%
Clean water and sanitary facilities
alcohol,oil-gas-fossil-fuels,tobacco

Candriam Equities L - Candriam Equities L Biotechnology C - EUR - Unhedged

Fund Performance

+€18.64(8.33%)

Impact Score

82%
No poverty
Clean water and sanitary facilities

Carmignac Portfolio - Grandchildren - A EUR Acc

Fund Performance

-€4.30(-2.19%)

Impact Score

57%
No poverty
alcohol,oil-gas-fossil-fuels,tobacco

Fidelity Funds - Sustainable Healthcare Fund A-Acc-Euro

Fund Performance

+€0.38(0.82%)

Impact Score

68%
No poverty
alcohol,oil-gas-fossil-fuels,pork,tobacco

AXA WF ACT Biodiversity A Cap EUR H

Fund Performance

+€2.68(3.32%)

Impact Score

49%
No poverty
alcohol,pork,tobacco,oil-gas-fossil-fuels

JPMorgan Funds - ASEAN Equity Fund (EUR) A

Fund Performance

+€0.38(0.82%)

Impact Score

45%
No hunger
tobacco,alcohol,oil-gas-fossil-fuels,pork

Ninety One Global Strategy Fund - Global Environment Fund A Acc EUR

Fund Performance

-€0.93(-2.70%)

Impact Score

52%
Affordable and clean energy
pork,alcohol,oil-gas-fossil-fuels

Franklin Templeton Investment Funds - Franklin Biotechnology Discovery Fund A (acc) EUR-H1

Fund Performance

+€0.89(7.52%)

Impact Score

79%
Clean water and sanitary facilities
alcohol,tobacco

Columbia Threadneedle (Lux) I-CT(Lux) Asia Equities -AE - EUR

Fund Performance

-€0.02(-0.23%)

Impact Score

48%
No hunger
tobacco,alcohol,oil-gas-fossil-fuels,pork

Robeco Next Digital Billion D EUR

Fund Performance

+€1.62(2.87%)

Impact Score

53%
No poverty
alcohol,oil-gas-fossil-fuels,pork,tobacco

JPMorgan Funds - ASEAN Equity Fund (EUR) A

Fund Performance

+€0.38(0.82%)

Impact Score

45%

Ninety One Global Strategy Fund - Global Environment Fund A Acc EUR

Fund Performance

-€0.93(-2.70%)

Impact Score

52%

Franklin Templeton Investment Funds - Franklin Biotechnology Discovery Fund A (acc) EUR-H1

Fund Performance

+€0.89(7.52%)

Impact Score

79%

Columbia Threadneedle (Lux) I-CT(Lux) Asia Equities -AE - EUR

Fund Performance

-€0.02(-0.23%)

Impact Score

48%

Robeco Next Digital Billion D EUR

Fund Performance

+€1.62(2.87%)

Impact Score

53%

Candriam Equities L - Candriam Equities L Biotechnology C - EUR - Unhedged

Fund performance

+€18.64(8.33%)

Impact Score

82%
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*Fund information shown is for marketing purposes and can differ from the information in the app.

How does it work?

Filter & Choose

Find funds based on performance & impact, or exclude funds that don’t meet your values.

Invest

Buy and sell shares within minutes.

Impact Score

Understand the impact of your investment.

Investing calculator

See the potential your investments could have if you started investing today.

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Investment period
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Annual Return
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Final capital
23.580,79
Total Deposits
17.000,00
Asset growth
6.580,79
Years
Learn more

If you invest €100 at 5 % over 10 years, you will end up with a final capital of €23,580.79. These are composed of from €17,000.00 deposits and €6,580.79 of interest or investment income.

Start values based investing today for free!

€0.00 Transaction fees

€0.00 Custodian fees

€0.00 Brokerage fees

Find out more

Investing with Moniflo is free of charge, but there are fees for topping up the wallet and withdrawal fees based on the amount loaded onto the wallet.

Secure, Sustainable, Transparent

Regulated

Moniflo by Investre SA is an EU-regulated investment platform and is supervised by the CSSF (Luxembourg supervisory authority for the financial sector). The platform is passported for the EU market.

Your Choice

We give you the tools to define how you want to approach impact investing. You define the world you want to live in.

Tried & Tested

We work with first-class partners such as ClarityAI to provide you with an effective investment tool that gives you full transparency about your investments at all times.

Don’t just take our word for it

The ability to search for investments that align with my morals is a game-changer—something I haven't found on other platforms. While other investing apps offer similar tools, Moniflo’s focus on ethical investing and its transparent, trustworthy approach sets it apart from the competition. I feel confident and informed with every investment decision I make, knowing that my values are reflected in my portfolio.

Daphne Dijkstra
VC Investment Associate at Ilavska Vuillermoz Capital

The top design, the friendly colors, the cool filters to find the right funds – that's what I like about Moniflo.

It's super easy to use, very innovative and of course they have the lowest fees on the market. And I know that my money is safe.

Claude Dublin
International Traffic Manager chez BCE - Broadcasting Center Europe

Moniflo – to me, that means empowering all people – regardless of their gender, income, or financial expertise – to invest. No more dependency on bank advisors. No transaction or account fees. By investing through Moniflo, you can choose what YOU deem important to support, thereby making your personal contribution to a more sustainable world.

Dr. Sandra Heck
Sport Scientist

The Moniflo App is really cool. It’s a pleasure to use, and the financial offer is truly unbeatable!

Kamel Amroune
Founder The Dots, Techsense, Tech Supreme Court | Co-founder Nexus2050

Sustainable investing finally made easy: a quick and comparatively straight-forward account opening process, transparent information, account viewing access at a fingertip, fair fees... This app has all it needs to attract seasoned professional and neophytes. A job well done.

Charles Muller
Director at The Directors' Office

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