Some things you pay for. The best things pay for themselves.

Learn easily for free and invest confidently for a simple low fee. All in one place with no hidden extra charges. This is how we think finance should be.

A plan for everyone.

Vitamin Start

€0

This is for you if you are not sure how to get started and are not ready to invest yet.

Vitamin Invest

0.6%

/ year of invested amount for Vitamins’s services

+

0.2%

/ year to the creators of ETFs

This is for you if you are ready to start investing step by step, sustainably, and with minimum effort.

Everything in Vitamin Start. Plus, automatic:

No hidden fees

We only receive money if you choose to pay us. We do not charge extra for performance, deposits, withdrawals, or closing your account. We do not receive any hidden commissions for recommending you investments or any other services.

Doing finance
the transparent way.

Independent financial service guaranteed by German authorities

Vitamin is licensed as an independent financial investment broker according to §34f of the German Trade, Commerce and Industry Regulation Act (Gewerbeordnung). Our license number with the German Chamber of Commerce is D-F-107-ESG6-31.

Protection for your money

Cash in your account is protected by the European deposit protection scheme up to €100k.

Your data is yours

We take data privacy as seriously as you do and strictly abide by GDPR regulations. We do not sell your data to third parties.

Security at the core

We protect your data using bank-grade SSL encryption.

Bankruptcy-safe

Your investments only belong to you. Even in case of bankruptcy of Vitamin or our partners, you own 100% of your investments.

More questions?
Find the answers here.

You can open an investment account with Vitamin if the following requirements are met:

  • You are currently registered in Germany
  • You’re not tax-liable in the U.S.
  • You have a bank account that allows SEPA direct debit mandates*
  • You have a citizenship in one of our accepted countries**

 

In order to create a Vitamin investment account, we need to verify your identity. For this purpose, you will have to join a short video call with our partner IDnow.

 

For this call, you will need

  • a valid identification document (ID card or passport)
  • if your ID document does not show your address: an official document confirming your address (you can use e.g. a proof of registration or a utility bill)
  • your tax ID

 

‘* SEPA countries include the 27 EU member states, as well as Iceland, Norway, Liechtenstein, United Kingdom, Switzerland, Monaco and San Marino

 

** List of accepted countries

  • Algeria
  • Andorra
  • Angola
  • Argentina
  • Armenia
  • Australia
  • Austria
  • Azerbaijan
  • Bangladesh
  • Belgium
  • Bosnia and Herzegovina
  • Bulgaria
  • Brazil
  • Cameroon
  • Canada
  • Chile
  • China
  • Colombia
  • Congo, the Democratic Republic
  • Côte d'Ivoire
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Djibouti
  • Ecuador
  • Egypt
  • Estonia
  • Finland
  • France
  • Georgia
  • Germany
  • Ghana
  • Greece
  • Guinea
  • Hungary
  • Iceland
  • Ireland
  • Israel
  • Italy
  • Japan
  • Kazakhstan
  • Kenya
  • Kuwait
  • Latvia
  • Lebanon
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Macedonia
  • Malawi
  • Malaysia
  • Maldives
  • Mali
  • Malta
  • Mauritania
  • Mexico
  • Morocco
  • Monaco
  • Moldova
  • Montenegro
  • Namibia
  • Netherlands
  • New Zealand
  • Norway
  • Peru
  • Philippines
  • Poland
  • Portugal
  • Romania
  • Rwanda
  • Serbia
  • Singapore
  • Slovakia
  • Slovenia
  • South Africa
  • South Korea
  • Spain
  • Sweden
  • Switzerland
  • Taiwan, Province of China
  • Thailand
  • Turkey
  • Ukraine
  • United Arab Emirates
  • United Kingdom
  • Uruguay

Yes, you can. You can either sell parts of your investments, or close your investment plan any time. To close your account just get in touch via support@joinvitamin.com and we will handle things for you.

Owning money always bears risk of loss. Whether it’s stolen from your bag or you invest it and make a loss, a risk always exists. The more you rely on a single investment type (think, a single stock or cryptocurrency), the greater your risk of making losses. In this context, spreading risk through diversification is important. Simply put: you don't carry all your eggs in one basket. For example, if you invest €100 in just one company, you are taking a greater risk than if you invest €1 each across 100 different companies. If you invest in stock ETFs, for example, you automatically diversify your investment plan. Instead of investing in a single stock, you invest your money in an entire index. If the price of one of the stocks included in the ETF falls, it is less significant.

 

Also, beware of making overly emotional decisions. If the prices are all plummeting, you should not panic or sell your investments. Remember: you’re investing for the long term and can therefore sit out fluctuations. This type of investing is called buy and hold and has been proven to result in higher returns than trying to beat the markets by buying and selling your investments at what seems to be the best possible timing.

We believe that ETFs are the best way to start your investment journey and to build your wealth for the long-term. ETFs are considered to be a relatively low-risk and cost-effective way to build a diversified portfolio of stocks and bonds, and are an efficient way to invest with specific criteria like ESG. ETFs are also traded on an exchange which means they are able to be bought and sold easily and quickly. On our blog you can find a detailed article about what ETFs are: What exactly is…an ETF?