Make your money matter

Moniflo is the place to invest sustainably, the easy way. Join the waitlist to get early access.
App StoreApp Store Google PlayGoogle Play
From 2023, you'll be able to invest directly via the app.

Invest in your unique worldview

Positive impact looks different to each of us. You might want to move green energy forwards. Or avoid certain areas like animal cruelty. With Moniflo, you get the tools you need to make each investment personal while building wealth.

Moniflo Investor Image

Take control of the future

Get an investment account that allows you to invest in the funds that match your ethics. Filter out investments that you believe do harm. Search for investments that have the impact you want. For beginners and experts.

Get demo account
Basic needs
Economy & Infrastructure
Social Progress

Why Moniflo?


Designed for everyone, from beginners to experts


Greater transparency on the impact of your investment


Investment accounts and transactions are free-of-charge
Featured in:
“We're building an asset management model for a DIY generation.<br>For those who want to take decisions into their own hands, dig deeper, know more.”
Georges Bock, Founder & CEO
Moniflo CEO and Founder Georges BockEconomyInfrastructure

How does it work?

Invest in the funds that match your values then track your progress as you build wealth. Buy and sell with ease.
Not sure where to start? Get suggestions based on data to help you pick your first investments.
Moniflo Screenshot Manage
Evaluate your performance beyond financial gain with our impact-centric Moniflower Impact Dashboard.
Get an at-a-glance overview then deep dive into your progress on each UN Sustainable Development Goal (SDG).
Moniflo ScreenShot evaluate
Learn as-you-go, without a single euro in your account with tutorial and virtual modes.
Take straight-talking courses to discover the world of funds and sustainability for yourself, free-of-charge.
Moniflo Screen shot

Be the first to experience a new way of investing.

Moniflo is the place to invest sustainably, the easy way. Join the waitlist to get early access.
App StoreApp Store Google PlayGoogle Play
From 2023, you'll be able to invest directly via the app.


When will Moniflo be available for download?

At the end of 2022, you can already download a first version of the app to practice investing. However, if you want to buy and sell funds, you'll have to be patient. We expect to launch the final version of the app in early 2023. It's best to get on the waiting list to be among the first to test Moniflo.

Why doesn't Moniflo offer the option to invest in cryptocurrencies?

We want to build a platform for critical and conscious people who focus on long-term investments where the money serves a good purpose. Cryptocurrencies are highly volatile and speculative. Since they are not regulated, investors also do not benefit from the same high level of protection and risk diversification as with mutual funds. This does not fit with our vision of offering long-term investments.

How is Moniflo different from other investment platforms?

With our app, we want to reach all people who want to invest in a value-based way. We also focus on actively managed funds and not ETFs, as experts agree that ETFs have their limitations with regard to value-based investing. By the way, unlike other platforms, we do not charge any transaction or account fees. Moniflo is therefore also suitable if you only want to invest small amounts at first.

How can I be sure that the companies in the fund or portfolio I want to invest in are incorporating their values into their work and projects?

We work with Clarity AI, a provider of sustainable impact data, to obtain data for our Impact Score. This indicates whether the companies in the fund or portfolio are aligned with a specific UN Sustainable Development Goal (SDG). To calculate the Impact Score, Clarity AI tracks and measures a range of more than 60 relevant metrics linked to 52 SDG targets.

How is my money protected?

Moniflo will operate with a full investment firm license under strict EU laws and regulations. This means that your money is protected up to €20,000 by the Luxembourg Deposit Guarantee Scheme - and that your money and Moniflo investment account are safe.
We work with trusted partners and payment institutions to keep your cash deposits safe. Our payment partner Mangopay is subject to both national and EU payment regulations that ensure the safety of your money. In addition, your deposits are fully segregated and held in trust with unlimited protection. For example, your cash deposits up to €100,000 are protected by the Luxembourg Deposit Guarantee Scheme.

How is my data stored and backed up?

Your data is secured with 256-bit encryption so that only you and Moniflo can access your personal and financial information. We use state-of-the-art MPC technology that prevents unauthorized access to your investments. In addition, we employ multi-level security measures to protect your money and data, including secure servers.
In the course of providing our services and operating our business, we also share data with third parties who meet our security standards. You can read more about how and why we share your information in our Terms and Conditions.

Accounts and transactions are free of charge. How does Moniflo earn money?

Asset managers with investment funds on the Moniflo platform bear the bulk of the costs. They pay for their funds to be listed on the platform and pay for additional services. In the app, transactions and accounts are free. We expect that a small fee will be charged when users deposit or withdraw money from their investment account. The reason for this is to cover our internal costs, as well as to cover the costs of the payment provider.