Ginmon TopZins
Overnight money hopping was yesterday
Save or park liquidity with 2.98% p.a.
Tied to ECB's interest rates
The better alternative to overnight deposits
2.98%
p.a.
Secure interest
on Google & Trustpilot
€400 mill.
Assets Under Management
on Google & Trustpilot
€400 mill.
Assets Under Management
on Google & Trustpilot
€400 mill.
Assets Under Management
on Google & Trustpilot
€400 mill.
Assets Under Management
Liquid and yet stable in value
Invest in the European money market and benefit from consistently attractive interest rates. The money market, like savings accounts or fixed-term deposits, is among the least risky asset classes.
Invest in the European money market and benefit from consistently attractive interest rates. The money market, like savings accounts or fixed-term deposits, is among the least risky asset classes.
Current interest rate:
2.98% p.a. ¹
Investing in European money market
No maximum amount, no term
Deposits and Withdrawals at any time
Unlimited protection as a separate asset
Also for corporate clients (incl. full hedging)
Reduced fees 0.30% p.a. (instead of 0.75% p.a.)
Interests of €523 p.a. secured
Ginmon TopZins for your short-term goals
Save
Save money with 2.98% interest p.a.
Emergency fund
Set aside money for unexpected expenses
Park money
Park funds for larger purchases
Save
Save money with 2.98% interest p.a.
Emergency fund
Set aside money for unexpected expenses
Park money
Park funds for larger purchases
Save
Save money with 2.98% interest p.a.
Emergency fund
Set aside money for unexpected expenses
Park money
Park funds for larger purchases
Save
Save money with 2.98% interest p.a.
Emergency fund
Set aside money for unexpected expenses
Park money
Park funds for larger purchases
Your money is protected
Special asset
Your investment is treated as a separate asset. This means you are 100% protected even if Ginmon or the partner bank becomes insolvent.
EU deposit insurance
In addition, the money you deposit in your Settlement Account is covered by the EU Deposit Insurance Scheme and is therefore protected against the risk of default.
Your money is protected
Special asset
Your investment is treated as a separate asset. This means you are 100% protected even if Ginmon or the partner bank becomes insolvent.
EU deposit insurance
In addition, the money you deposit in your Settlement Account is covered by the EU Deposit Insurance Scheme and is therefore protected against the risk of default.
Your money is protected
Special asset
Your investment is treated as a separate asset. This means you are 100% protected even if Ginmon or the partner bank becomes insolvent.
EU deposit insurance
In addition, the money you deposit in your Settlement Account is covered by the EU Deposit Insurance Scheme and is therefore protected against the risk of default.
Your money is protected
Special asset
Your investment is treated as a separate asset. This means you are 100% protected even if Ginmon or the partner bank becomes insolvent.
EU deposit insurance
In addition, the money you deposit in your Settlement Account is covered by the EU Deposit Insurance Scheme and is therefore protected against the risk of default.
What our customers say
Don’t worry about anything, just determine your risk profile and invest. Simple, low-cost investment. I also liked the recent super-good returns.
Christoph Decker
Verified customer review
Four years ago, I entered the world of robo-advisors. It has been a very rewarding experience with a remarkable return on my investment.
Stephan Weber
Verified customer review
The independence from a large investment group is a big plus. I also tried the market leader, but I was very unsatisfied with it.
Eduard Hoffman
Verified customer review
What our customers say
Don’t worry about anything, just determine your risk profile and invest. Simple, low-cost investment. I also liked the recent super-good returns.
Christoph Decker
Verified customer review
Four years ago, I entered the world of robo-advisors. It has been a very rewarding experience with a remarkable return on my investment.
Stephan Weber
Verified customer review
The independence from a large investment group is a big plus. I also tried the market leader, but I was very unsatisfied with it.
Eduard Hoffman
Verified customer review
What our customers say
Don’t worry about anything, just determine your risk profile and invest. Simple, low-cost investment. I also liked the recent super-good returns.
Christoph Decker
Verified customer review
Four years ago, I entered the world of robo-advisors. It has been a very rewarding experience with a remarkable return on my investment.
Stephan Weber
Verified customer review
The independence from a large investment group is a big plus. I also tried the market leader, but I was very unsatisfied with it.
Eduard Hoffman
Verified customer review
What our customers say
Don’t worry about anything, just determine your risk profile and invest. Simple, low-cost investment. I also liked the recent super-good returns.
Christoph Decker
Verified customer review
Four years ago, I entered the world of robo-advisors. It has been a very rewarding experience with a remarkable return on my investment.
Stephan Weber
Verified customer review
The independence from a large investment group is a big plus. I also tried the market leader, but I was very unsatisfied with it.
Eduard Hoffman
Verified customer review
Any questions?
What is Ginmon?
Spelling: [ɡin moɴ]
Ginmon means "silver gate" in Japanese and is an independent WealthTech (Digital Asset Manager) founded in December 2014, consisting of a team of dynamic IT and finance experts.
Our goal is to provide an independent, automated, highly diversified and highly scientific investment for you, so that you can save money and time. Together we will find the way through the silver gate to the well-deserved prosperity for your financial goals.
“Many people overlook the silver lining because they are waiting for gold.”
(Maurice Setter)
What does Ginmon offer me?
Ginmon offers a transparent and fully automated investment solution that enables you to invest your saved wealth cost-effectively into established investment forms with a clear investment strategy and ease of use.
Through user-friendly technology combined with understandable investment products, Ginmon provides a completely new way of investing.
For more information on our investment strategies, please visit our Investment philosophy.
How does the registration process work?
First, you register and answer 8 questions about your investment goals.
This takes less than 3 minutes.
Now you will receive your personalized investment proposal.
Next, you verify your identity via video ident.
You then tell us how you would like to deposit your money into your custody account.
• via SEPA credit transfer
• via recurring SEPA credit transfer
• via SEPA direct debit
As soon as the money arrives, we invest it in your personalised ETF strategy.
Of course, you can change your strategy or deposit at any time, free of charge, or even have all your investments paid out.
What if I want my money? Do I have to wait?
No, you can withdraw your Ginmon deposit when you want.
You can pause your savings plan as often and as long as you want. No extra fees or lock-up periods.
What if Ginmon no longer exists?
Good question! Let's go through the worst-case scenarios.
Case 1 - Ginmon goes bankrupt.
In this very unlikely case, your deposit would remain unaffected.
The custody account is safely held at our partner bank.
Case 2 - The partner bank goes bankrupt.
Don't worry, this is also very unlikely.
In fact, your invested money is completely protected.
In this case, your securities are held in a so called “segregated account” that, in the worst case, is automatically transferred to a partner bank of your choice. Three will be no change to your account, and you will remain invested.
Case 3 - The capital market collapses.
While capital markets are volatile, this is of less concern to the long-term investor.
The global capital market has, without exception, recovered after every crisis and achieved steady 6-7% p.a. returns over longer period of time.
Any questions?
What is Ginmon?
Spelling: [ɡin moɴ]
Ginmon means "silver gate" in Japanese and is an independent WealthTech (Digital Asset Manager) founded in December 2014, consisting of a team of dynamic IT and finance experts.
Our goal is to provide an independent, automated, highly diversified and highly scientific investment for you, so that you can save money and time. Together we will find the way through the silver gate to the well-deserved prosperity for your financial goals.
“Many people overlook the silver lining because they are waiting for gold.”
(Maurice Setter)
What does Ginmon offer me?
Ginmon offers a transparent and fully automated investment solution that enables you to invest your saved wealth cost-effectively into established investment forms with a clear investment strategy and ease of use.
Through user-friendly technology combined with understandable investment products, Ginmon provides a completely new way of investing.
For more information on our investment strategies, please visit our Investment philosophy.
How does the registration process work?
First, you register and answer 8 questions about your investment goals.
This takes less than 3 minutes.
Now you will receive your personalized investment proposal.
Next, you verify your identity via video ident.
You then tell us how you would like to deposit your money into your custody account.
• via SEPA credit transfer
• via recurring SEPA credit transfer
• via SEPA direct debit
As soon as the money arrives, we invest it in your personalised ETF strategy.
Of course, you can change your strategy or deposit at any time, free of charge, or even have all your investments paid out.
What if I want my money? Do I have to wait?
No, you can withdraw your Ginmon deposit when you want.
You can pause your savings plan as often and as long as you want. No extra fees or lock-up periods.
What if Ginmon no longer exists?
Good question! Let's go through the worst-case scenarios.
Case 1 - Ginmon goes bankrupt.
In this very unlikely case, your deposit would remain unaffected.
The custody account is safely held at our partner bank.
Case 2 - The partner bank goes bankrupt.
Don't worry, this is also very unlikely.
In fact, your invested money is completely protected.
In this case, your securities are held in a so called “segregated account” that, in the worst case, is automatically transferred to a partner bank of your choice. Three will be no change to your account, and you will remain invested.
Case 3 - The capital market collapses.
While capital markets are volatile, this is of less concern to the long-term investor.
The global capital market has, without exception, recovered after every crisis and achieved steady 6-7% p.a. returns over longer period of time.
Any questions?
What is Ginmon?
Spelling: [ɡin moɴ]
Ginmon means "silver gate" in Japanese and is an independent WealthTech (Digital Asset Manager) founded in December 2014, consisting of a team of dynamic IT and finance experts.
Our goal is to provide an independent, automated, highly diversified and highly scientific investment for you, so that you can save money and time. Together we will find the way through the silver gate to the well-deserved prosperity for your financial goals.
“Many people overlook the silver lining because they are waiting for gold.”
(Maurice Setter)
What does Ginmon offer me?
Ginmon offers a transparent and fully automated investment solution that enables you to invest your saved wealth cost-effectively into established investment forms with a clear investment strategy and ease of use.
Through user-friendly technology combined with understandable investment products, Ginmon provides a completely new way of investing.
For more information on our investment strategies, please visit our Investment philosophy.
How does the registration process work?
First, you register and answer 8 questions about your investment goals.
This takes less than 3 minutes.
Now you will receive your personalized investment proposal.
Next, you verify your identity via video ident.
You then tell us how you would like to deposit your money into your custody account.
• via SEPA credit transfer
• via recurring SEPA credit transfer
• via SEPA direct debit
As soon as the money arrives, we invest it in your personalised ETF strategy.
Of course, you can change your strategy or deposit at any time, free of charge, or even have all your investments paid out.
What if I want my money? Do I have to wait?
No, you can withdraw your Ginmon deposit when you want.
You can pause your savings plan as often and as long as you want. No extra fees or lock-up periods.
What if Ginmon no longer exists?
Good question! Let's go through the worst-case scenarios.
Case 1 - Ginmon goes bankrupt.
In this very unlikely case, your deposit would remain unaffected.
The custody account is safely held at our partner bank.
Case 2 - The partner bank goes bankrupt.
Don't worry, this is also very unlikely.
In fact, your invested money is completely protected.
In this case, your securities are held in a so called “segregated account” that, in the worst case, is automatically transferred to a partner bank of your choice. Three will be no change to your account, and you will remain invested.
Case 3 - The capital market collapses.
While capital markets are volatile, this is of less concern to the long-term investor.
The global capital market has, without exception, recovered after every crisis and achieved steady 6-7% p.a. returns over longer period of time.
Any questions?
What is Ginmon?
Spelling: [ɡin moɴ]
Ginmon means "silver gate" in Japanese and is an independent WealthTech (Digital Asset Manager) founded in December 2014, consisting of a team of dynamic IT and finance experts.
Our goal is to provide an independent, automated, highly diversified and highly scientific investment for you, so that you can save money and time. Together we will find the way through the silver gate to the well-deserved prosperity for your financial goals.
“Many people overlook the silver lining because they are waiting for gold.”
(Maurice Setter)
What does Ginmon offer me?
Ginmon offers a transparent and fully automated investment solution that enables you to invest your saved wealth cost-effectively into established investment forms with a clear investment strategy and ease of use.
Through user-friendly technology combined with understandable investment products, Ginmon provides a completely new way of investing.
For more information on our investment strategies, please visit our Investment philosophy.
How does the registration process work?
First, you register and answer 8 questions about your investment goals.
This takes less than 3 minutes.
Now you will receive your personalized investment proposal.
Next, you verify your identity via video ident.
You then tell us how you would like to deposit your money into your custody account.
• via SEPA credit transfer
• via recurring SEPA credit transfer
• via SEPA direct debit
As soon as the money arrives, we invest it in your personalised ETF strategy.
Of course, you can change your strategy or deposit at any time, free of charge, or even have all your investments paid out.
What if I want my money? Do I have to wait?
No, you can withdraw your Ginmon deposit when you want.
You can pause your savings plan as often and as long as you want. No extra fees or lock-up periods.
What if Ginmon no longer exists?
Good question! Let's go through the worst-case scenarios.
Case 1 - Ginmon goes bankrupt.
In this very unlikely case, your deposit would remain unaffected.
The custody account is safely held at our partner bank.
Case 2 - The partner bank goes bankrupt.
Don't worry, this is also very unlikely.
In fact, your invested money is completely protected.
In this case, your securities are held in a so called “segregated account” that, in the worst case, is automatically transferred to a partner bank of your choice. Three will be no change to your account, and you will remain invested.
Case 3 - The capital market collapses.
While capital markets are volatile, this is of less concern to the long-term investor.
The global capital market has, without exception, recovered after every crisis and achieved steady 6-7% p.a. returns over longer period of time.
Convince for yourself
With or without an investment goal. Create a
free investment proposal in just a few minutes
Get the app
Convince for yourself
With or without an investment goal. Create a
free investment proposal in just a few minutes
Get the app
Convince for yourself
With or without an investment goal. Create a
free investment proposal in just a few minutes
Get the app
Get the app
¹ Interest rate linked to the ECB base rate and before costs.
¹ Interest rate linked to the ECB base rate and before costs.
¹ Interest rate linked to the ECB base rate and before costs.
¹ Interest rate linked to the ECB base rate and before costs.