Debitum Flow lets you invest for the long term in EU-regulated Notes under MiFID II financing real businesses, while giving you the option to request a withdrawal before maturity.
Your investments earn an 8% annual return, with daily interest payments while they remain invested. There are no exit fees.
1. Add funds to your account
Start by adding funds to your Debitum account.
Your Available balance shows how much money is currently available in your account.
When investing, you will also see your Remaining investment limit, which shows how much more you can currently invest in Flow.
2. Choose how much to invest
Enter your Amount to invest.
The maximum amount you can invest is limited by both:
your Available balance
the total amount currently Available to invest in Flow Notes
The minimum investment is €10 per selected Note.
You can invest up to €5000 per investor per Note.
3. Choose Notes
In the next step, you can allocate your investment across one or more Notes.
For each Note, you can see:
Financing partner
ISIN
Available to invest
Amount to invest
Interest rate
If you select more than one Note, you can adjust how your total investment is split between them. Before confirming, you will also see the total Amount to invest and Average rate. You can invest up to €5000 per investor per Note.
4. Confirm your investment
On the Review your investments screen, you can review:
• Total investment
• Financing partner
• ISIN
• Amount to invest
• Interest rate
• Paid from account balance
Review the relevant investment documents and confirm that you understand and accept the risks involved.
Once submitted, your investment receives Subscribed status.
Your investment will be processed after 00:00 GMT. Until then, it will remain in Subscribed status and appear in the subscription list.
After processing, it becomes part of Your Flow investments.
5. Earn daily interest
Your Flow investments earn an 8% annual return, with interest paid daily, while your money remains invested. Interest continues to accrue after you submit a withdrawal request on any amount that remains invested until it is paid out.
6. Request a withdrawal before maturity
You can request a withdrawal from a Flow investment before maturity by clicking Withdraw. In legal terms, this is a request for early redemption of your Notes.
You will see:
• Available for withdrawal
• Available for next-day withdrawal
• Available for weekly withdrawal
Enter the Amount you want to withdraw and continue to Review withdrawal request.
Up to €1000 may be Available for next-day withdrawal.
Amounts exceeding the next-day limit are processed through the weekly cycle, up to the applicable €5000 weekly limit, including any amount available for next-day withdrawal.
Before confirming, you will see an Expected payout schedule showing how your withdrawal may be processed.
The payout schedule is an estimate. Actual payout timing depends on available liquidity and may be affected by weekends, public holidays and processing times.
There are no exit fees for requesting an early withdrawal.
7. What determines payout timing?
A withdrawal request may be paid in parts.
If part of your request cannot be processed because sufficient liquidity is not available:
• the remaining amount stays pending
• your place in the FIFO queue is retained
• you do not need to submit the request again
• the amount that remains invested continues earning interest
The remaining amount continues into the next processing cycle while keeping its original priority.
Estimated payouts may also be delayed by weekends, public holidays or available liquidity.
8. Your investment while a withdrawal is pending
After submitting your request, it will appear under your Flow investment as Pending withdrawal, with the status Withdrawal request is being processed.
Submitting a withdrawal request does not immediately remove the requested amount from your investment.
the investment remains active
interest continues to accrue on the amount that remains invested
the withdrawal remains visible as Pending withdrawal
your FIFO priority is retained
Once the relevant amount has been paid out, it is removed from your investment and the proceeds become available in your account.
Key Flow numbers
Annual rate: 8% p.a.
Interest payment: Daily
Regulation: EU-regulated under MiFID II
Minimum investment: €10 per selected Note
Maximum investment: €5000 per investor per Note
Exit fees: None
Available for next-day withdrawal: up to €1000
Available for weekly withdrawal: up to €5000, including the amount available for next-day withdrawal
Queue: first in, first out (FIFO)
Processing timelines and the Expected payout schedule are indicative and depend on available liquidity.