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Practice sustainable investing

Get started with investing in line with your values. Open a €10k virtual Moniflo test account to try out values-based investing, risk-free.
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From 2023, you'll be able to invest directly via the app.
Create an account
Create an account
with €10.000 in virtual currency, so you can test drive investing.
Practice investing with impact
Practice investing with impact
Create a virtual portfolio with the topics that are most important to you
Gain confidence
Gain confidence
Learn about sustainability and hone your investing skills, free-of-charge

Learn sustainable investing

Learn to invest with impact at your own pace, without putting your money at risk. You can easily switch to real investing when we go live with our investment platform in 2023.

How do I set up my free demo account?

  • Download Moniflo from the App Store or Play Store
  • Create a Monfilo account, free-of-charge
  • Now you can build a virtual portfolio with €10k loaded on your account
App StoreApp Store Google PlayGoogle Play
From 2023, you'll be able to invest directly via the app.
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Choose your impact

Values-based investing

Select the topics that matter to you the most. We will show you the funds that best match your values.

Basic needs
basic
Economy & Infrastructure
economy
Environment
environment
Social Progress
progress

Why practice with a virtual account?

Our virtual account is an excellent tool for practicing values-based investing. It enables you to try out investing with impact without any financial risk. You get to understand where your money will go when you invest in a particular investment fund. Plus, you can try out all the features that Moniflo has to offer.

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Say hello to Moniflo

With a demo account you can access all the tools that Moniflo values-based offers to investors.

  • You can transparently track what your money is invested in.
  • Exclude investments that you think will cause harm
  • Search specifically for investments with the impact you desire
  • Create your virtual portfolio - Simple and easy to understand!
  • Get inspired by our guides on sustainable investing, greenwashing and more
App StoreApp Store Google PlayGoogle Play
From 2023, you'll be able to invest directly via the app.
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“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

FAQ

When will Moniflo be available for download?
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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?
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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?
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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?
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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?
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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?
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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?
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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.

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Start now

Moniflo is the place where you can easily invest sustainably. Try out value-based investing with a virtual investment account - without any risk!
App StoreApp Store Google PlayGoogle Play
From 2023, you'll be able to invest directly via the app.