Navigate to main page content
Become a customer

Micro Invest

Make investments with everyday card payments!

  • Micro Invest is simple and automated.
  • You can become an investor with just a few clicks.
  • You save money with each card payment and the amount will be invested in Your chosen Robur fund.
  • Enable round-up and start building your Portfolio.

Apply in the Swedbank app

AppStore GooglePlay

If you don't see this functionality – please update the app.

All payments with a card or digital wallets. The calculation is based on an assumption that and an average of EUR 0.50 is rounded-up for micro invest with each card payment. Selected earning rate is used for calculations of the estimated results. Earning rates for this contract are not guaranteed and future cannot be predicted. In order to see the impact of different earning rates to your savings you can enter different rates and calculate the results with more positive and negative scenarios. { "chart": { "height": 250 }, "xAxis": { "visible": true }, "yAxis": { "visible": true, "title": { "text": "EUR" } }, "plotOptions": { "series": { "marker": { "radius": 0, "states": { "hover": { "radius": 4 } } } } }, "tooltip": { "enabled": true, "shared": true } }
  • 0 
  • 0 
  • 0 

What is compound effect?

Start investing

*Important notice about calculator
Purpose of the calculator is to illustrate the return from the investment in a particular time period. Calculator value limits do not refer to maximum or minimum returns in chosen period. Return displayed in the calculator is not guaranteed nor based on real market returns. Fees have not been taken into account. Investing entails risks. Value of any investment may increase or decrease in time. Historic returns do not guarantee similar results in the future. Read more about equity markets average gross return.

If you save 10 000 € and return is 10%, the capital will increase with 1000 €. If return is 10% even net year, the capital will increase with 1100 € since now you had 10 000 € of your own savings and 1000 € from the return of the first year. In the long run, the compounded effect can make a big difference.

The average equity markets return indicated in the calculator is the return of MSCI World from 07.10.2002 to 20.09.2023, rounded to the closest percentage point. MSCI World index is one of the most known broad-based indices in the world; it is composed on roughly 1500 large- and mid-cap companies of 23 developed countries. The average return of MSCI World index for any other period may be different. MSCI World is an equity index, so if your desired product or whole portfolio has less than 100% of equity risk, you should use a proportionally lower rate of return in the calculator for illustrative calculations. Furthermore, since MSCI World is calculated in US dollars, then fluctuation of currency rates may impact the rate of return earned in your base currency.

1. Every time you pay by card

Your purchase amount will be rounded to the nearest euro (3 €).

2. A small amount is set aside

The difference between the purchase amount and the amount rounded to the nearest whole euro (3 € – 2.65 € = 0.35 €).

3. And invested automatically

Once a week, the accumulated amount is automatically invested in the Swedbank Robur fund of your choice.

The more often you pay with your card, the more money you accumulate for Micro Invest. Simple!

  • If you have enabled rounding on payments, you can save money for investment when paying with all your cards.
  • The amount is the difference between your purchase amount and the next full euro. For example, if you pay 2.65 euros for your purchase, 0.35 euros is automatically set aside for Micro Invest.
  • All your debit and credit card payments are automatically rounded up.
  • You can enable/disable the rounding option at any time.
  • You can allocate your Micro Invest to one Swedbank Robur fund at a time. You can also change your choice at any time.
  • Transactions with the Robur funds and keeping them in the portfolio are free of charge for you.
  • Allows you to invest consistently with very small amounts without incurring transaction costs. As the fund invests in a wide range of companies, it also helps to diversify risks.
  • Swedbank Robur is one of the largest Scandinavian asset management companies active since 1967.
  • Swedbank Robur is managed by professional investment managers with extensive experience.
  • We offer investment fund solutions covering most of the major regions of the world, sectors and asset classes.
  • Open the app, go to “Services” > “Investments, Savings”, tap on “Micro Invest”.
  • Choose a fund from the funds list
  • Open an investment/a securities account if you haven’t already got one.
  • That’s it! Your micro invest is launched.
  • With the Micro Invest agreement, you can easily open the securities and investment accounts for yourself. The securities account will hold your Robur fund units and the investment account will be similar to a standard bank account that you only use for investments.
  • You can sign an agreement from the age of 18.
  • You can enable/disable the rounding option at any time.
  • In case of deactivation, the money held for Micro Invest will be returned to your account free of charge.
  • You can sell your Robur fund units for free at any time. Normally, the money from the sales transaction will be credited to your account within 2–3 working days.

Note! After selling your funds you might need to declare profit and pay taxes. Read more here.

FAQ

You can view your investments’ results by choosing “Savings, Investments”-> “Overview”-> ”My portfolio” in your internet bank or “My investments” in the mobile app.
  • You can use the rounding option to save in the Easy Saver and engage in Micro Invest.
  • If you have enabled the Easy Saver, it remains active even after you start Micro Invest. In this case, a double amount will be rounded for each purchase. For example, if the purchase amount is 4.5 euros, 0.5 euros will go to the easy saver and 0.5 euros to micro investing.
A convenient way of investing the spare money in a diversified and sustainable manner. For those who want to create an investments’ portfolio on their own. Useful tips, market reviews, experts comments and so much more for those interested in investing! All investment possibilities can be used to save money for children. Start by opening a securities account!
Swedbank logo

Internet Exploreriga ei saa internetipanka avada.

Palun kasuta Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i.

Alates 23. märtsist ei ole võimalik Internet Exploreri veebibrauseri kaudu Swedbanki internetipanka avada.

Internet Exploreri kaudu ei saa teha ega kinnitada Swedbanki makseid ka teistel veebilehtedel.

Soovitame kasutada Internet Exploreri asemel Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i uusimat versiooni. Nende seadistamise juhendid leiad siit.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Klienditugi - Инфо и помощь - Customer service: +372 6 310 310

Swedbank
  • Teie operatsioonsüsteem ja veebilehitseja ei ole kaasaegne ega toetatud Swedbank internetipanga poolt. Palun uuendage oma operatsioonsüsteem ja veebilehitseja või pöörduge vastava IT tehnilise spetsialisti poole.
  • The operating system of your device & your browser are too outdated to be supported by Swedbank Internet Bank. Please, update the operating system & browser or turn to IT specialist for technical help.
  • Ваш браузер или операционная система недостаточно современны для использования в интернет банке Swedbank. Пожалуйста обновите операционную систему и браузер или обратитесь за технической помощью к ИТ специалисту.

You have been logged out from Internet bank

For extra security close the browser window. If you wish to continue using Internet bank, please log in again.


Contacts

SWEDBANK AS
Liivalaia 8, 15040 Tallinn
SWIFT code/BIC: HABAEE2X
Reg. number: 10060701

Useful links

Legal information

Customer programmes

This is a website of companies offering financial services – Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. Before entering into any agreement read the terms and conditions of the respective service. Consult a specialist, where necessary. Swedbank AS does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.