Fleksibilni novčani fondovi
Let your finances flourish
Invest in money market funds available in EUR, GBP, or USD — low-risk investments in which you can earn up to 4,51 % APY.¹
Capital at risk — the value of investments can go down as well as up. T&Cs apply.
Funds made interest-ing
Kickstart your money growth with Flexible Cash Funds. Thanks to compound interest, any returns you don’t withdraw are reinvested monthly, giving your money an extra boost.
Tri valute, tri odlična tečaja
Do ukupno4,36 %
APY¹ na valutu USD
Do ukupno4,51 %
APY¹ na valutu GBP
Do ukupno2,59 %
APY¹ na valutu EUR
¹ The Annual Percentage Yield (APY) is presented net of fees for EUR (2,59 %), for GBP (4,51 %), for USD (4,36 %) as of 17. 01. 2025. and is based on information provided by the fund manager, subject to change daily. This is the highest APY offered to Ultra customers, your APY may be lower depending on your subscription plan and applicable fees.
Saznajte više o fleksibilnim novčanim fondovima
Flexible Cash Funds provide a convenient option for growing your money, with the flexibility to withdraw any time.² With your top-ups, you're investing in money market funds — available in euros, US dollars, or pounds. These funds pool investors' money and invest in low-risk assets offering daily interest in line with central bank rates.
Vaše pogodnosti, dostupne odmah
Kamate, isplaćuju se svakodnevno¹
Receive variable interest based on your chosen currency:
- Up to 2,59 % APY on EUR
- Up to 4,51 % APY on GBP
- Up to 4,36 % APY on USD
Each currency represents a different money market fund.
Withdraw fee-free anytime²
With no lock-in periods, you can withdraw your money as soon as you hit your goals.
Osiguranje ulaganja³
All cash and investments held with Revolut Securities Europe UAB are covered up to €22,000 by the Lithuanian Liabilities to Investors Insurance Scheme (investment risk is excluded from the coverage).
² In some cases, when withdrawing money from Flexible Cash Funds (i.e. when selling your shares in the relevant money market fund), your cash proceeds can take up to 2 business days to reach your Revolut personal account. Exceptionally, the sale of your shares could take longer or be charged exit fees in those situations described in the Prospectus like stressed market conditions. The recommended holding period for these funds is 6 months. The risk indicator of 1 out of 7 can vary if you sell your shares earlier.
³ Coverage in the unlikely event of the liquidation of Revolut Securities Europe UAB, and failure to protect your assets. More information available in our Key Information on the Liabilities to Investors Insurance Scheme and the Lithuanian Public Institution “Deposit and Investment Insurance” website.
Saznajte više o rizicima ulaganja
Although the money market funds available through Flexible Cash Funds are low-risk investments, the value of these investments could go down in some situations like adverse market conditions.
Interest is not guaranteed, and varies daily depending on the performance of the fund. Currency rate fluctuations could adversely affect your overall investment.
Prikaz Upozorenja o riziku
Nadoplata prema vašoj želji
Whether you’re making manual top-ups, or prefer to ‘set it and forget it’, add money in multiple ways.
Odlični tečajevi bez obzira na vaš plan
Annual Percentage Yield on EUR (variable)
Annual Percentage Yield on GBP (variable)
Annual Percentage Yield on USD (variable)
Saznajte više
Često postavljena pitanja za fleksibilne novčane fondove
- Fleksibilni novčani fondovi nude strateški pristup uvećanju vaše štednje u kontekstu rastućih životnih troškova. Uz Fleksibilne novčane fondove ulažete u kratkoročne fondove tržišta novca s niskom volatilnošću. Pružamo vam uslugu investiranja putem izvršavanja naloga za kupnju ili prodaju dionica u vaše ime u fondu tržišta novca koji odaberete.
- Da biste dodali novac u Fleksibilne novčane fondove, otvorite početnu stranicu Fleksibilnih novčanih fondova u valuti u kojoj želite dodati novac. Na početnoj stranici Fleksibilnih novčanih fondova: kliknite na "+ Dodaj novac" → unesite iznos → kliknite na gumb "Nastavi/Dodaj novac". Kada dodajete novac u Fleksibilne novčane fondove, zapravo nalažete kupnju dionica ekvivalentne vrijednosti u fondu tržišta novca iste valute. Vi ste stvarni vlasnik dionica koje kupujemo u vaše ime. Nema naknada za otvaranje ili zatvaranje Fleksibilnih novčanih fondova. Međutim, naplaćujemo malu godišnju naknadu za uslugu. Ova se naknada plaća za uslugu ulaganja u fondove tržišta novca koju vam pružamo i predstavlja stalnu naknadu izračunatu kao postotak vrijednosti dionica koje posjedujete u fondu tržišta novca. Naknada za uslugu izračunava se svakodnevno i automatski se odbija od dnevne kamate koju ostvarujete, tako da APY prikazan u Revolut aplikaciji već uključuje naknade. Više informacija o naknadama dostupno je u Objavi o ex-ante troškovima i provizijama za Fleksibilne novčane fondove.
- Valuta svakog fleksibilnog novčanog fonda koji nudimo (EUR, USD i GBP) predstavlja različiti fond tržišta novca u koji ulažete pri dodavanju novca. Kamatna stopa varira među različitim vrstama fleksibilnih novčanih fondova, ovisno o uspješnosti fonda. Svaki fond može imati različite rezultate koji se mijenjaju svakodnevno. To može dovesti do svakodnevne promjene prinosa koji se može kretati u nepovoljnom smjeru. Kamatna stopa izražena je u obliku APY-ja (godišnjeg postotnog prinosa). APY pokazuje koliko bi vaš novac mogao narasti ako biste ulaganje zadržali godinu dana, a prinos ostao konstantan. APY se ažurira svakodnevno u aplikaciji na temelju uspješnosti fonda prethodnog dana, a podatke dostavlja upravitelj fonda. Prikazani APY je neto vrijednost nakon odbitka naknada, što znači da odbijamo relevantne naknade od prinosa fonda. Naknade ovise o fondu tržišta novca, vašem planu pretplate i zemlji. Kamate koje ostvarujete i naknade koje plaćate izračunavaju se svakodnevno primjenom APY-ja na iznos uložen u fond tržišta novca. Kamatu koju zaradite vidjet ćete na saldu fleksibilnih novčanih fondova tek kada neto iznos kamate bude veći od 0,01 € (ili ekvivalenta u odgovarajućoj valuti). Kada dodajete novac u fleksibilne novčane fondove, izdajete nalog za kupnju u odgovarajućem fondu tržišta novca i počet ćete zarađivati kamatu dan nakon što novac stigne upravitelju fonda. Ako pošaljete naloge prije 10.00 po istočnoeuropskom vremenu (EET) radnim danom, vaš će novac stići upravitelju fonda isti dan. U suprotnom, stići će sljedeći radni dan.
- Vaša je odgovornost provjeriti morate li platiti porez na kamatu koju zaradite na Fleksibilnim novčanim fondovima. Hoćete li morati platiti porez na kamatu ovisi o nekoliko čimbenika, uključujući iznos zarade i vašu poreznu rezidentnost. Nećemo automatski obračunavati i uplaćivati porez relevantnim poreznim tijelima u vaše ime. Porez ćemo zadržati/zaračunati samo ako smo obvezni to učiniti sukladno važećim zakonima. Preporučujemo da zatražite neovisan porezni savjet kako biste razumjeli svoje obveze prema poreznim tijelima. Revolut ne pruža porezne savjete i ništa u ovom odgovoru ne smije se smatrati savjetom.
When you add money to Flexible Cash Funds you invest in a short-term LVNAV (Low Volatility Net Asset Value) money market funds. These actively managed funds invest in high-quality and liquid money market instruments (such as government securities, bank obligations, commercial paper), high-quality securitisations, and asset-backed commercial paper, deposits with credit institutions, repurchase agreements, and reverse repurchase agreements.
The money market funds you invest in through our Flexible Cash Funds are sub-funds of Fidelity Institutional Liquidity Fund plc, an open-ended umbrella fund authorised by the Central Bank of Ireland -CBI- (registration number: 235175).
Specifically, each Flexible Cash Funds invests in Class R Flex Distributing shares in one of the following MMF (matching with the relevant currency):
The Euro Fund (ISIN IE000AZVL3K0);
The USD Fund (ISIN IE000H9J0QX4);
The Sterling Fund (ISIN IE0002RUHW32).
The fund manager is FIL Investment Management (Luxembourg) S.A., Ireland Branch, which is authorised by the Commission de Surveillance du Secteur Financier -CSSF- (registration number CCSF: S00000593; CBI: C137514).
For further information on the money market funds of our Flexible Cash Funds, please refer to the Fund's Prospectus and the respective Key Information Document (KID) available on the fund's website and in the Revolut app.
Investment services are provided by Revolut Securities Europe UAB. Information contained herein is not a personal recommendation, investment advice or offer to take any investment decision, therefore you must carefully consider your financial situation, review relevant documents and information or seek professional independent advice before entering into financial transactions or subscribing to new investment services. T&C's apply.
Revolut Securities Europe UAB (company code: 305799582; registered address: Konstitucijos ave. 21B, Vilnius, the Republic of Lithuania, LT-08130) is a Lithuanian investment firm authorised and regulated by the Bank of Lithuania.