We believe investing should always feel simple, fair, and dependable. That’s why we’ve never charged extra platform fees.
However, over time, we’ve noticed that some accounts stay inactive for longer periods, with funds sitting unused. Even when no new investments are made, these accounts still require ongoing operational, regulatory, and reporting maintenance.
To make sure we can continue running TWINO smoothly and sustainably for everyone, we’ve made changes to the platform Terms and Conditions, introducing an Inactivity Fee for accounts that remain inactive for more than six months.
This update helps us:
- Encourage investors to stay active or withdraw unused funds
- Cover the costs of maintaining dormant accounts
- Keep TWINO fair and cost-efficient for our entire community
Who Will Be Affected?
- Category A — No Active Investments
You have available funds but no active investments for more than six months.
Fee: €10 per month, until your balance reaches €0.
(Your balance will never go negative.)
- Category B — Has Active Investments
You have active investments but haven’t made new ones for more than six months.
Fee: €10 per month, with important safeguards:
1. No fee if your available balance is less than 15% of your portfolio or under €50.
2. The fee will never reduce your balance below €50.
When Does the Fee Apply?
You’ll receive a reminder before any fee is charged.
First charge: On the 1st day of the following month.
The fee will recur monthly until you make a new investment or your available balance is depleted
How to Avoid the Inactivity Fee
It’s easy to stay active:
- Make a new investment within six months, or
- Withdraw any unused funds from your account
We understand that this might not be the most pleasant update, and we want to assure you that this change has been designed with fairness and transparency in mind.
You’ll always have the option to avoid the fee, and you’ll be notified before any charge is applied.
Learn more about all applicable terms and details below:
