What do you dream of?

With VestUp you can save and invest your money – safely.

Download the VestUp App

Try it out now.

Coming soon

Reaching your goals is only
4 steps away

Save for vacation!

1. Choose your goal

Decide that you can afford to save 100 euros per month for your goal

2. Set your budget

Take our risk test and decide for yourself what investment strategy and guarantee level is appropriate for you

3. Know the risk

Enjoy full transparency by tracking the performance of your investment anytime and anywhere

4. See your returns

How VestUp enables you to reach your goals

Safety & return on investment

VestUp helps you achieve your financial goals. Our life insurance offers you three investment strategies developed by Munich Re experts: 'Balanced', 'Dynamic' and 'Optimistic'. It's up to you to decide whether you want to play it safe or be exposed to more risk in exchange for the potential to realize higher returns.

Low fees & full transparency

For our 'Dynamic' and 'Optimistic' investment strategies, with more attractive returns, we charge only 1.0% per year on the value of your invested balance. The 'Balanced' strategy offers no investment exposure or returns and is therefore free of charge. There are no additional fees, e.g. for withdrawals or cancellations.

Unlimited flexibility

Your VestUp digital life insurance is as flexible as your bank account. You can make deposits and withdrawals at any time and track the development of your savings. There is no minimum term length - you can cancel at any time.

You want to know more about VestUp?

Do I have to pay any fees for the account?

There are no fees for the Balanced risk profile. For the other two risk profiles – Optimistic and Dynamic – we charge a standard flat fee. This amounts to no more than 1.0% of your contributed savings per year and is calculated and deducted on a daily basis. We don’t charge any other fees: no registration fees, no initial costs, no cancellation fees, no fees for deposits/withdrawals, no penalties if you don’t make a monthly payment.

Who manages my money?

Your money is managed by Munich Re experts, who have come up with investment strategies that ensure a balanced mix of risk and reward. Munich Re has a long history dating back to 1880 and is one of the largest and most respected reinsurance companies in the world. It has successfully managed the investments and bonds of some of the world’s biggest insurance companies for decades. The company has more than 40,000 employees worldwide and is listed on the DAX stock exchange.

Can I access my money at any time?

Yes, you can deposit or withdraw money from your VestUp account at any time. We understand that life is unpredictable and can change from one day to the next. That’s why we give you the flexibility to withdraw or deposit your funds any time, anywhere.

How does the guarantee work?

The VestUp guarantee is only offered for the Dynamic risk profile. With the Dynamic risk profile, VestUp calculates the guaranteed component each day on the basis of your goal’s current value. This involves complex financial and mathematical models with which we can guarantee the agreed conditions for the risk profile and guarantee date. For the Balanced risk profile, we simply invest your money in a risk-free cash index, so there are no changes to the value.

See the potential of your budget

Based on a 5% average growth rate / year

Monthly contribution


3 years



5 years



10 years



Start saving now

Download the VestUp App

Coming soon