Peaks is an investment app that simplifies putting money into sustainable index funds and ETFs, designed for people who want a hands-off route to long-term wealth building. By connecting your bank account you can start recurring investments, top up with one-off deposits or invest spare change automatically. Peaks groups hundreds of stocks and bonds into diversified portfolios and lets you choose a risk profile or build a bespoke mix from thematic and regional funds provided by recognised managers such as iShares, UBS and DWS.
Core Functions
The app offers four ready-made portfolios—Cautious, Balanced, Ambitious and Adventurous—each with a different stocks-to-bonds split so you can match exposure to your tolerance for volatility. You can also create a custom portfolio by selecting from 16 thematic and regional index funds, for example sustainable energy or automation and robotics. Peaks supports automated deposits on a daily, weekly or monthly schedule, spare-change rounding, fixed weekly amounts, windfalls and one-time deposits. Withdrawals are available at any time, and the platform handles order execution and rebalancing through established index fund providers.
Key Features
Peaks emphasizes accessibility and transparent costs: the first month is free, deposits and withdrawals carry no direct fees, and changing your portfolio is free. Subscription tiers start with a basic Start package at €1.99 per month, while Complete and Premium are €2.99 and €4.99 per month respectively; on top of that a variable fee between 0.25% and 0.50% per year applies to your invested assets. Fund operating costs range roughly from 0.15% to 0.23% annually and small spreads of about 0.03%–0.05% can occur on trades. The app does not charge transaction fees and presents costs in straightforward terms.
User Experience
The interface is built around simplicity: connecting a bank account, selecting a risk profile and choosing deposit methods are presented as a short onboarding flow. Automation options—round-ups, scheduled deposits and occasional top-ups—make it easy to maintain disciplined investing without daily oversight. Because fund selection is curated from reputable providers, users get diversified exposure without managing individual stock positions. The app also stresses responsible use: investing should complement, not replace, an emergency cash buffer, since market values fluctuate and losses are possible.
Conclusion
For investors seeking a low-friction, sustainability-minded way to access global index funds, Peaks packages diversified ETFs, clear fee structures and multiple automation options into a tidy mobile experience. It’s suited to newcomers who want guided choices and to experienced savers who prefer curated thematic exposure without piecing together individual funds.
