Frequently Asked Questions



Simply put, by investing you make your money do the work for you. Resting money on a bank account does not increase its value. It’s actually decreased in the long run due to inflation. In practice, inflation means that in the future you’re able to buy less for the same amount of money you have today. When you invest your money, it can generate more money for you. The earlier you start investing, the sooner you reap the benefits. Keep in mind, however, that there’s risk associated with investing. You might lose money, since past performance is not a guarantee of future gains.

ETFmatic™, part of Aion Bank NV/SA, offers several different ETFs on the ROI platform. You can find all of them under the “ETFs”-tab in the app.

The ROI platform provides an effortless investment experience. You can choose the ETFs that interest you the most from a curated list and start investing with pocket change. ROI also offers a variety of finance-related programs that provide support for investing and many other topics related to your personal finances. The ROI platform does not provide investment advice.

ROI does not provide investment advice to its users, but through programs and coaching lessons, it enables users to develop their financial skills and make independent decisions about their own finances and investments.

ROI is the application platform on which Aion Bank NV/SA provides investment services to its users.

Aion Bank NV/SA is a Belgian bank supervised by the Bank of Belgium and by the Financial Services and Markets Authority. Aion Bank NV/SA has also notified its license to Finland. You can find them in the Financial Supervision Authority’s public notification list:

Aion or ROI do not provide any investment advice. Aion will provide you only with safe custody of your assets and trade execution services. Because of that Aion is not required to assess the appropriateness of the instrument or service provided or offered to you and you do not benefit from the protection based on such test.

First, add one or more ETFs to your portfolio and then tap “Start ETF Savings Plan” in the main view. Once you’ve created a user account for the app and opened your own investment account, you’ll be able to transfer money to it from your own bank. In the main view, press “Transfer money” and select a monthly or one-time transfer. Follow the onscreen instructions to make a transfer using your online bank. Once the money has been transferred, it is invested in the ETFs in your portfolio automatically. In the main view, you can view the performance of your investment portfolio, as well as all other necessary information.

On the ROI platform, you can invest with pocket change. The smallest amount that can be invested is 1 cent.

Once you’ve been registered as an investment service user and your account has been approved by Aion Bank NV/SA, you can transfer money by making a recurring monthly transfer from your own bank. You can also transfer a single fixed amount from your bank account at any time. Open the app, go to the Portfolio tab, press “Transfer Money,” select your preferred transfer type, and then follow the onscreen instructions.

Recurring monthly savings is the best way to invest, but you can also make individual one-time transfers at a time that suits you the best.

You can’t invest in cryptocurrencies with ROI.

A CFD (Contract For Difference) agreement is an investment product that allows you to trade a financial instrument without owning the instrument directly. You can’t invest in CFD products through ROI.

There are always risks involved in investing, and the value of your investment can go down as well as up so you may get back less than you originally invested.

How investing works on the ROI platform

You can explore different ETF options in the app and add ETFs of interest to your portfolio. For more information, check out the “How ROI Works” and “How to Start Investing” programs.

After creating your portfolio, you can sign up for the investment service. There are 5 steps in the registration process:

  1. Create a user account
  2. Strong authentication with your bank ID
  3. Verify your phone number
  4. Answer a few questions
  5. Approve Aion Bank NV/SA’s Privacy Policy and Terms of Service

Allow 5 minutes for registration.

Once you’ve finished with registration, we’ll forward your information to the investment service provider, who will then review it and open an account. ROI will notify you via email when the account has been created.

Investing on a monthly basis is a great way to save money. Start by making a recurring bank transfer. Transferring money to an investment account is as easy as paying a monthly rent, for example.

To get started, press the “Transfer Money” button in the main view of the app. Select “Recurring transfer”. Select your bank and follow the instructions. You can copy the information needed for the transfer from the top of the screen. Please note that the reference number is entered in the message field. Some banks also offer the option to make a recurring payment more or less often than once a month.

When you make a transfer to investments, the aim is to divide the amount equally among all the ETF funds in your portfolio.

However, the actual amounts invested in different ETFs may vary somewhat. This is due to the fact that Aion Bank uses a margin to cover price fluctuations that occur between the origination of orders and their actual execution in the market. Because Aion Bank uses different safety margins for each instrument, the exact allocation of order funds may not correspond exactly to a predetermined allocation.

Aion Bank uses a safety margin to cover price fluctuations that occur between the creation of orders and their actual execution on the market. For this reason, the amount of money you transfer will be invested in your portfolio’s ETFs more than once.

Money that’s “pending” is cash that’s been transferred to your investment account and is awaiting investment or withdrawal.

When you transfer money to investments, it’s pending until the investment itself is made. Investments are usually made on Tuesdays and Thursdays.

Due to safety margins used by Aion Bank, very small amounts of money can sometimes be pending. That money is invested in your portfolio’s ETFs, taking into account the safety margin, during the next investment cycle until the entire amount has been invested.

ROI investment services provider ETFmatic™, which is part of Aion Bank NV/SA, usually makes investments on Tuesdays and Thursdays. That means you always invest together with other ROI users.

The investment service provider Aion Bank NV/SA charges a total fee of 0,56% for the assets it manages annually. In addition, ETFs have their own costs. You will find the cost information for each ETF separately and you can use the app’s fee calculator to find out the amount of costs that may incur in euros for your entire portfolio.

You can withdraw money from investments at any time without fees. Aion Bank NV/SA will sell your ETF shares for you (this usually happens on Tuesdays and Thursdays). The money received from the sale is “pending” until it’s transferred to your personal bank account (also known as a “contra account”).


Your portfolio includes all the ETFs you’re investing in or have previously invested in. When you transfer money, all the ETFs in your portfolio are automatically invested in. Similarly, when you withdraw money, ETF investments in your portfolio are sold.

Your portfolio only includes ETFs that you’ve selected yourself.

On the ETFs tab, you’ll find all the ETFs offered by ROI. Press the desired ETF and tap “Add to Portfolio” at the bottom of the screen. Follow the on-screen instructions to add the ETF to your portfolio.


ETFmatic’s annual management costs are 0,56%. Each ETF also has its own costs, which must be taken into account in the total costs.

The easiest way to view total costs is to add the desired ETFs to the portfolio and use the portfolio fee calculator: In the main view, press the “…” icon next to the investments-heading and select “Fee Calculator”.

Yes. The investment services provided by Aion Bank NV/SA are not linked to ROI Premium membership, but management costs are invoiced separately.

When selling investments for a profit, you must pay capital tax on your capital gains if you have sold investments for more than 1000€ during the year. Learn more about capital taxation in the Understand Investment Products Taxation-program.