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Moniflo is only available on mobile devices
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Build wealth, without the extra hours.

Invest in professionally managed investment funds with daily access to your capital. Regulated, diversified and designed to grow with you.

Invest with confidence - EU-regulated investment funds designed for long-term growth.
Invest with confidence - EU-regulated investment funds designed for long-term growth.
Invest with confidence - EU-regulated investment funds designed for long-term growth.

The simple way to invest, backed by professionals


Mutual funds pool your money with other investors to buy a mix of assets like stocks, bonds, or global funds.

You don’t need to pick winners or track the markets—each fund is run by expert managers with years of experience.

  • Start from just €500
  • Professionally managed
  • Fully regulated across the EU
  • Built-in diversification

Invest in top funds, without the hassle

Easy-to-use

No jargon. No clutter. Just a clear, modern platform that guides you from start to finish.

No investment fees

You keep more of what you earn. We don’t charge you to invest in our funds.

Trusted fund managers

Your money is in the hands of experienced professionals who manage billions for institutions.

Access your money anytime


These funds are fully liquid. You can invest—or withdraw—whenever you choose.

Grow your money while you live your life.

Professionally managed, fully regulated, worry-free.

Curated investing at your fingertips

With Moniflo, you have the power to align your portfolio with your principles—without sacrificing performance.

Choose the world your money finances

Invest in themes that matter—from climate action to gender equality.

Apply up to 19 ethical exclusion lists


Avoid sectors and practices that don’t align with your values.

Pick from 16+ Sustainable Development Goals


Filter funds based on the causes you care about most.

Track your portfolio’s real-world impact


See how your investments contribute to measurable global outcomes.

Funds that are tailored to your goals

Discover a carefully selected range of funds designed for growth, balance and long-term security.

Impact
Exclusions
Clear
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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%

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

Start investing in just a few minutes. Hassle-free growth. No hidden costs.

Professionally managed, fully regulated, worry-free.

Secure.
Regulated.
Transparent.

EU-regulated platform

Moniflo is operated by Investre SA, authorised and supervised by the CSSF in Luxembourg. Fully passported across the EU.

Your values, your terms


Choose how your money is invested. We give you the tools to align your portfolio with your values.

Investor protection


Covered by the Luxembourg Investor Compensation Scheme (SIIL) for added peace of mind.

Trusted partners



We collaborate with industry leaders like Clarity AI to ensure full transparency and insight into the impact of your investments.

Investors love Moniflo

Here’s what our investors are saying:
Joshua
16/10/24

Love it! Simple and easy to use. For an app that’s new to the market, it already started strong and only gets better with each update.

Jerome
10/11/21

Good app for investing in investment funds. Excellent implementation of ESG criteria.

Violeta
24/2/25

Moniflo simplifies fund investments with its clear, intuitive UI.

Jordan
10/11/21

Clear, informative, user-friendly: an intuitive app that provides a wealth of information on available investments.

Jordan
10/11/21

Best investment platform, super user friendly! It has excellent filters to exclude sectors you don't like.

Hannah
10/11/21

Super user friendly! The company is based in Luxembourg and has excellent filters to exclude industries that don't match your values.

4.8 / 5
Based on the App Store ratings

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