Question 1

How much money do I need to start investing?

Accepted Answer

You can start investing with small amounts, for example a few tens of euros. At TWINO, the minimum investment is 1 euro, and consistency over time is more important than the initial amount.

Question 2

How do I create an account on TWINO?

Accepted Answer

To create an account, register on the TWINO platform, complete identity verification (KYC), and fill out a suitability questionnaire. After successful verification, you can access your account and start investing.

Question 3

Who can invest in Securities?

Accepted Answer

Investors must complete a suitability and appropriateness assessment. Investing in securities is intended for individuals with sufficient knowledge, experience, and financial capacity to make independent investment decisions.

Question 4

What are Loan Securities?

Accepted Answer

Loan Securities are financial instruments backed by underlying loans issued to consumers or businesses. Investors earn a fixed interest rate, with returns generated as borrowers repay the loans over time.

Question 5

How does the investor protection mechanism work?

Accepted Answer

If the investment service provider cannot meet its obligations, investors may be eligible for compensation of up to 90% of losses, capped at EUR 20,000, according to Latvian investor protection regulations.

Question 6

How to apply for money withdrawal?

Accepted Answer

To withdraw funds, submit a request from your TWINO account. Funds are typically transferred to your linked bank account within a few business days, depending on processing and verification.

Question 7

How to add funds to my investor&#x27;s account?

Accepted Answer

You can add funds via bank transfer or online banking. Deposits are usually credited within a few business days, depending on the selected payment method.

Question 8

Do I have to pay taxes from the acquired profit?

Accepted Answer

Investment income may be subject to withholding tax depending on your country of residence. Investors are responsible for declaring income and complying with local tax regulations.

Question 9

What Is Auto-Invest and How Does It Work?

Accepted Answer

Auto-Invest automatically invests your funds based on selected criteria such as loan type, interest rate, and term. It helps automate investing and reinvest earnings without manual actions.

Question 10

What are the fees for investors?

Accepted Answer

TWINO does not charge fees for investing, transactions, or withdrawals. However, an inactivity fee may apply in certain cases, and banks may charge fees for transfers.

Question 11

How do I make profit?

Accepted Answer

Investors earn profit from interest payments made by borrowers. Returns are distributed proportionally based on the invested amount as loans are repaid.

Question 12

What type of investments can I make on TWINO?

Accepted Answer

TWINO allows investors to invest in asset-backed securities based on loans. Available investment opportunities can be viewed in the platform&#x27;s investment section.

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