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At Peaks you invest your money, but we've already done most of the work for you. You don't have to decide which companies to invest or not to invest in. Instead, we have put together four portfolios for you to choose from. Each standard Peaks portfolio consists of six sustainable index funds and involves a (varying amount of) risk. Of course, you also have the option to customise your portfolio and choose the index funds yourself.

An ETF or index fund consists of hundreds of stocks and bonds. A stock is a mini piece of a company. A bond is a loan to a government or company. The index funds at Peaks consist of stocks distributed around the world, in different sectors and companies. This distribution puts you at less risk than investing in just one company or sector.

Investments with index funds follow the market. When stock and bond markets fall, so does the value of your investments. However, when prices rise, so does the value of your investments. You should also know that with Peaks you invest primarily in sustainable index funds. 

At Peaks you only invest in sustainable investment funds. Specifically, we mean the 25% most sustainable companies in each sector. Attention is paid to how companies deal with people, the environment and how they are managed. Companies that disregard human rights, are involved in child labor or corruption, or cause serious damage to the environment and ecosystem are not included in the index funds.

Furthermore, at Peaks you do not invest in controversial industries such as the arms and defense industry, tobacco and alcohol production, nuclear power, gambling, pornography or GMOs. You can check which companies you invest in by reading the Key Investor Information documents. You can find these documents for each fund on this page.

Since we have selected the index funds at Peaks, you cannot choose which companies to invest in or not to invest in. We chose this approach to make investing as easy and accessible as possible for you. You can decide in which index fund you want to invest or don’t want to invest if you customise your own portfolio.

At Peaks you can invest your spare change in two different ways. One option is to give Peaks permission to round up all your card payments to the nearest whole euro and invest your accumulated change into your Peaks account once a week. For example, if you buy a coffee for €1.70, you invest €0.30 directly into your Peaks account.

If you don't want to invest your change, but still want to set aside small amounts regularly, you can choose to set aside a fixed amount of between €1 to €10 per day.

With the former option, the collected amount is debited from your bank account once a week and invested in your Peaks account. Every Sunday, you have the option to stop the process of investing your spare change in the app.

Peaks currently offers three different packages: Start, Complete, and Premium.

With all packages, you can:

• Open multiple accounts for various purposes
• Customise your own ETF portfolio according to your wishes
• Add crypto to your Peaks portfolio

The Start package is the best choice for total investments between €0 and €12,000. The Complete package is the best choice for total investments between €12,000 and €16,000, and the Premium package is the best choice for total investments of €16,000 or more.

You decide for yourself which package suits your situation best.

The expected gross return at Peaks is between 4.4% and 6.9% depending on the portfolio you selected. Returns are based on the expected return Peaks uses for the next 10 to 15 years for the portfolios of stock and bond funds offered by Peaks. In reality, returns may be more or less than expected. With a high expected return, the risks are also higher.

The costs of the index funds have already been factored into the expected returns, which you can find in the app and the cost calculator on this website. These fund costs per portfolio average between 0.18% and 0.26% of your invested money per year. The returns you find in the cost calculator, therefore, include net returns (after deducting costs).

If you became a Peaks customer in the past, you were asked to choose a Peaks pricing package when signing up. These packages are being phased out in favour of the subscription model detailed above. Here's an overview of the former packages (with their costs):

Start
Monthly
€1.99 + 0.04%

Annually
€23.88 + 0.5%

Complete
Monthly
€2.99 + 0.03%

Annually
€35.88 + 0.04%

Premium
Monthly
€4.99 + 0.02%

Annually
€59.88 + 0.25%

The variable cost (%) is paid on the average value of your investments.

In addition to the costs for Peaks, you're charged annual fund costs for the ETFs you invest in. These costs don't go to Peaks, but to the providers of the ETFs. The fund costs are automatically included in the price of the ETFs by the fund providers. 

You also pay a spread: costs incurred when buying and selling investments. On average, you pay between 0.03% and 0.05% per purchase or sale in spread.

We think it is very important that your money and data are safe. We only use your data for purposes that you give us your consent to in advance. Your money is not protected by Peaks itself, but by Stichting Derdengelden Peaks. Should anything ever go wrong with Peaks, you will always have access to your money.

Investing always involves risk. This means there is a chance that you could lose (part of) your investments. The level of risk depends on many things, such as developments in the financial markets, your starting point (the moment you start investing), and what you invest your money in.

Investing in just one company is (in general) more risky than investing your money in many companies at once. The same applies if you deposit money at a certain point in time. The more distributed you deposit, the more you spread the risk.

With Peaks you can deposit your money at different times and your money is automatically invested in different sectors worldwide. You choose one of the four different Peaks portfolios or compose your own. Each Peaks portfolio has a different level of risk due to the distribution of the index funds it contains. You can choose between the portfolios Cautious, Balanced, Ambitious, and Adventurous. Cautious has the least risk of all Peaks portfolios, Adventurous the most. The higher the risk, the higher your chance of a high profit. With your chosen portfolio, you decide for yourself how much risk you want to take.

If you want to cancel your Peaks account, you can do this yourself in the app – provided you do not have a negative balance on your Peaks account and have closed all your additional accounts. To cancel your account, open the menu and click on "Close your account". After that, the app will lead you through all the steps it takes to cancel your account. We will also ask you why you want to cancel your account. No further action is required on your part, and we will start cancelling your account.

Because you pay the monthly fees for your Peaks package in arrears, we will still charge you the fees you owe for that month when you terminate your account.

Your invested money is not kept by Peaks, but by a foundation (Stichting Beheer Derdengelden Peaks). If something goes wrong at Peaks, you still have access to your money through this foundation and your money is not lost. In addition, the so-called Investor Compensation Act applies to the foundation. This law protects Peaks clients investments and reimburses up to €20,000 per person where justified

As a financial institution, it is our legal responsibility to protect society against financial and economic crime. For this reason, we monitor transactions and can ask you to participate in customer inquiries.

Don't worry if we contact you about this. In many cases, we simply need more information to complete your case.

This can happen if you have used (an) automatic deposit option(s): the Payday Booster, investing with a fixed amount per day or month, or your roundups.

If you automatically deposit money with Peaks, you can recall your deposit via your bank for 60 days. To prevent fraud, you can now only withdraw the portion of your money that has already passed this 60-day reversal period. We will transfer the rest to you as soon as the 60 days after your deposit have passed.

For simplicity, the displayed variable annual interest rate already includes the variable costs of Peaks and the fund costs: these consist of 0.10% fund costs and variable costs ranging from 0.25% to 0.5% depending on your package. 

The package costs are not included in the variable annual interest rate shown and depend on your package. Peaks does not charge any transaction fees when you deposit or withdraw money. 

You will incur spread costs set by the stock exchange, which range from 0.03% to 0.05%. 

With the Peaks Interest Account, you are not required to invest your money for a minimum period of time to earn interest. Interest is accrued daily, and you can deposit or withdraw your money on business days when the stock markets are open. If you withdraw your money on a business day before 1:00 PM, it will be transferred to your bank account on the same day. Withdrawals made after 1:00 PM will be transferred back to your bank account on the next day. In certain circumstances, this process may take longer.

In a traditional savings account, your money is held by a bank. In the event of a bank's insolvency, your money is protected by the deposit insurance scheme up to an amount of €100,000. Amounts exceeding €100,000 are not protected. 

With the Peaks Interest Account, you cannot rely on the deposit insurance scheme: Here, the construction with bond security provides additional protection. The security covers the total value of your investments, even if it exceeds €100,000.

The money you put into your Peaks Interest Account is invested in an ETF that holds its money with Deutsche Bank. The main risk is that the European deposit rate published by the ECB falls below 0%. In addition, Deutsche Bank could fail or default.

The probability of negative interest is low, but it can occur. For example, the €STR rate has been negative in recent years because the ECB has cut interest rates below 0%. If this happens again, you can easily withdraw the money from your Peaks Interest Account or invest it with Peaks in another way. Peaks does not charge any transaction costs for this.

If Deutsche Bank goes bankrupt, your money is protected by the bonds the ETF holds as collateral. Fund manager DWS checks on a daily basis whether the value of the collateral still corresponds to the value of the money (including interest) held by Deutsche Bank. If the value of the collateral is lower, Deutsche Bank must provide additional bonds as collateral. The collateral consists of government and corporate bonds.

There is a small risk that some of the secured bonds could lose value in the event of a default by Deutsche Bank. As a result, you can lose (part of) your invested money. Therefore, we cannot say that your investment is 100% guaranteed, but you are taking a small risk.

Your money is invested in an ETF that keeps your money safe with Deutsche Bank. To protect your money in the event of Deutsche Bank's insolvency, the ETF is backed by government and corporate bonds. This collateral is worth exactly the money in the ETF, and fund manager DWS checks every day that this is still the case. If the daily check shows that the collateral is worth less, Deutsche Bank must make additional bonds available to the ETF. Just as many until the two values are the same again.

If Deutsche Bank goes bankrupt, the ETF can use the bonds to start a new deal with another bank, or sell the bonds and use the proceeds to repay investors. This security reduces the risk that you lose (part of) your investments. The fund's publisher, Xtrackers, therefore rates the risk of the ETF as very low: risk level 1 on a scale of 7, with 7 being the highest risk category and 1 being the lowest.

With the Peaks Interest Account, you invest your money in a money market ETF from DWS GmbH, one of the largest asset managers in Europe. The ETF invests your money with Deutsche Bank. In return, Deutsche Bank pays the ETF the €STR rate + 0.085%.

€STR is the euro short-term interest rate: the interest rate that European banks charge each other when they lend each other money for a short period (one night) or when they hold money for each other. The €STR interest rate is published daily by the European Central Bank (ECB). When the ECB changes the deposit rate, the €STR rate also changes – and with it the interest rate on the Peaks Interest Account.

To protect your money, the ETF receives collateral from Deutsche Bank in the form of government and corporate bonds. This collateral is worth exactly the money in the ETF, and fund manager DWS checks every day that this is still the case. If the daily check shows that the collateral is worth less, Deutsche Bank must make additional bonds available to the ETF. Just as many until the two values are the same again.

So should Deutsche Bank default, the ETF has bonds as collateral, which can be used to sign a new contract with another bank. Or the bonds can be used to repay investors. There is a small risk that some of the secured bonds could lose value in the event of a default by Deutsche Bank. As a result, you can lose (part of) your investments. Therefore, we cannot say that your investment is 100% guaranteed, but the risk is small.

You can find more information in the following document(s):

• Factsheet
• Key Investor Information Document
• Prospectus

The current variable annual interest rates as of June 11, 2025, are as follows:

• Start package: 1.41%
• Complete package: 1.51%
• Premium package: 1.66%

For simplicity, the displayed variable annual interest rate already includes the variable costs of Peaks and the fund costs: these consist of 0.10% fund costs and variable costs ranging from 0.25% to 0.5% depending on your package.

Please note that the package costs are not included in the variable annual interest rate shown above and are dependent on your package. You can find the package costs here.

Investors are always required to declare their capital gains from ETFs in their annual income tax return. This applies even if the gains are below the tax-free threshold or if the withholding tax has already been deducted. 

This information does not constitute tax advice and cannot replace it.

The interest rates you see on this page are annualised. This means that the interest on your balance grows a little each day until you reach the total rate after a year. Because the Peaks Interest Account is technically an investment account (and not a savings account), you don't get paid the interest at a specific time. To cash in your return, you have to make a withdrawal - effectively selling part of your investments. To do so, you don't have to sit out the whole year first; you can make a withdrawal at any time.

How much you earn depends on the demand in the market. Some ETFs might be more in demand than others. Also, in some periods there is more demand than at other times. Sometimes only part of your portfolio might be lent out and sometimes none of it. How much you can earn totally depends on the market.

You receive 50% of the profit on your lent investments. This portion is deposited into your Peaks account on a monthly basis. The other half goes to Peaks: we use it to cover operational costs, among other things. We deduct the direct costs of third parties from the proceeds before distributing the profit.

No, there is no fixed fee for Lend & Earn. When you lend out your ETFs, borrowers will pay you revenue in return. The costs of our securities lending partner are deducted from that revenue and the profit that remains, is split 50/50 between you and Peaks.

So as long as there’s no demand for your ETFs, you don’t pay any fees.

No. Lend & Earn is enabled on customer level. That means that if you enable Lend & Earn, you do it for all your accounts.

However, we don’t lend out any ETFs on Pension or Child accounts.

Yes, when your ETFs are on loan, you remain the economic owner of these ETFs. As a result, when the market goes up or down, you will still be the one who will experiences the returns or losses.

Yes, you will still receive dividends as usual. If your ETF earned a dividend while being lent out, the borrower will pay the dividend to you as a “manufactured payment”.

A manufactured payment is when cash is delivered by the borrower of the shares instead of the stock issuer.

Usually yes. If you sell ETFs that are on loan, by default they will be sold at the same time as if they hadn't been on loan. It could happen that a sell can only be executed once the borrower has returned the ETFs, but this would be unusual.

In normal circumstances, having ETFs on loan doesn’t impact your ability to sell them.

Yes. You can disable the feature on the Lend & Earn dashboard. From that moment it will usually take 2 days to get your ETFs returned and wind down lending for you.