UpToMore makes investing more affordable for both small and large budgets. The returns go to you, not to the bank or asset manager.
When you’re proud, you can be transparent. For €0.99 per month and 0.1% per year on your investment, your money grows without unnecessary costs.
The ETF costsETF stands for Exchange Traded Fund: This is a collection of stocks. are automatically settled without additional markup. They average approximately 0.22% per year. With other providers, these costs can go up to 1%.
We’re proud of our low costs, so we’ve created an overview of the most well-known providers and their costs for you. Below is a cost example if you invest €150 per month for 10 years. Want to compare the costs for your situation? Check out the cost comparison tool.
Only the costs of displayed providers have been compared; differences in additional services, for example, are not included. The comparison is based on known rates as of 07-07-2025, including underlying fund costs. This assumes a portfolio or fund with the maximum possible allocation to stocks, globally diversified and with the highest possible sustainability goals according to SFDR Article 8. Important information about this comparison.
We charge the costs on your investment balance daily and the €0.99 on the last day of the month. No balance? Then you don’t pay us anything, which is fair.
Costs make the only real difference when you choose passive investing in the world economy. A difference of 0.2% may seem small, but can mean thousands of euros in the long term.
We have removed a linkBank/broker from the process. This saves on costs and allows us to let all of Europe invest at an extremely low price.
You invest in the UpToMore Fund, and that fund invests in ETF “s.
The providers of those ETF” s also charge costs — these are already included in the price of the ETF.
On average, ETF costs are around 0.17% per year (this varies per ETF — check the current figures on our website)
Good to know: ETF costs always apply, regardless of where or how you invest in them.
Every euro in costs is a euro that’s not working for you. Even small differences add up. Are you paying 0.50% more elsewhere? That could cost you hundreds of euros in the long run.
That’s why we keep costs low, so you can keep more of your returns.
Current value = number of Units × value per Unit
Total return = value – net investment
You can track your return per month, half year, year, or total duration.