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    • What are my investment-related expenses with Crowdestate?


    Crowdestate membership is free.

    There is no investing fee in the primary and secondary markets. There is a 2% + VAT transaction fee for selling investments in the secondary market. The fee will be charged to the seller’s account simultaneously to concluding the sales-purchase transaction.

    Any fees payable to the Crowdestate are embedded into the transaction and disclosed in detail within financial models.
    In a few cases, investors are expected to cover Crowdestate's direct costs related to bank transactions (international payments etc).

    How much is Crowdestate charging as its fees?


    Crowdestate might be charging any or all of the following fees that are attributed to either the investor or the sponsor.

    Sponsor:

    • A one-time, 4% structuring fee is paid to Crowdestate for finding the investment opportunities, completing due diligence, capital structuring and covering direct costs (such as legal costs, establishment of SPV etc) associated with the transaction.
    • Regular base fee that covers the costs for maintaining the investments, SPV management and accounting etc. Development projects pay fixed monthly fee that is agreed on case-by-case basis.

    Investor:

    • Crowdestate is entitled to carry (success fee), if the investment performance exceeds the agreed hurdle rate. Typical success fee is 20% over the 8% per annum hurdle rate. Success fee is paid out at the end of the investment period after the investment has been exited. The fee is calculated into the expected yield, meaning that it is not deducted from the interest payments made to investors.


    Fees associated with bank transfers

    Generally there are no fees for bank transfers to an investment account from Estonian bank accounts (excl. payments in a foreign currency other than the euro).

    Bank transfers from countries other than Estonia could be subject to transfer fees, if any fees apply and the person leaves the fees to be paid by Crowdestate during the transfer. In such cases Crowdestate will deduct the applicable fees from the payment before accruing it to the investment account. For this reason we always suggest to check that the person making the transfer also carries the fees associated with the transfer.

    Currently there are no fees for outgoing bank transfers.

    Bank transfers in another currency

    The official currency for Crowdestate investment accounts is the euro. So, all payments made in a different currency are subject to conversion prior to accrual to the investment account.

    All fees related to accepting a payment in other currencies and converting the payments to euros will be deducted from the payment received, taking into account the applicable price list of AS LHV Bank.

    Outgoing transfers from an investment account can only be made in euros.


    Existem taxas associadas ao investimento através da Crowdestate?


    Investir através da Crowdestate é geralmente gratuito, com algumas exceções específicas. Segue-se uma visão geral detalhada das taxas associadas às diferentes atividades na plataforma:

    1. Taxas de investimento:

      2. A Crowdestate não cobra taxas para investir em projetos listados nos mercados primário ou secundário. Isto significa que pode investir nas oportunidades disponíveis sem custos adicionais.

    2. Venda de investimentos no mercado secundário:

      3. Se optar por vender os seus investimentos no mercado secundário, aplica-se uma taxa de transação de 2% mais IVA. Esta taxa é deduzida da conta do vendedor no momento da conclusão bem-sucedida da transação.

    3. Taxas de transferências bancárias:
      • Pagamentos recebidos: Não são cobradas taxas por transferências bancárias realizadas de contas IBAN para a sua conta de investimento.
      • Pagamentos enviados:
        • Pagamentos SEPA: Os pagamentos SEPA enviados da sua conta de investimento são gratuitos.
        • Pagamentos internacionais: Para pagamentos internacionais fora da zona SEPA, as taxas são determinadas de acordo com a tabela de preços aplicável do AS LHV Bank e serão deduzidas da sua conta de investimento.

    A Crowdestate oferece uma estrutura de taxas transparente, minimizando os custos para os investidores. A maioria das atividades, incluindo investimentos e pagamentos SEPA, não implica custos adicionais. Contudo, taxas específicas aplicam-se às transações no mercado secundário e às transferências bancárias internacionais.


  • Conta de investimento
  • Mercado secundário
  • Fiscalidade
  • Problemas técnicos
  • Autoinvest
  • Pre-booking
  • Verificação da identidade
  • Pagamentos

Taxas

What are my investment-related expenses with Crowdestate?


Crowdestate membership is free.

There is no investing fee in the primary and secondary markets. There is a 2% + VAT transaction fee for selling investments in the secondary market. The fee will be charged to the seller’s account simultaneously to concluding the sales-purchase transaction.

Any fees payable to the Crowdestate are embedded into the transaction and disclosed in detail within financial models.
In a few cases, investors are expected to cover Crowdestate's direct costs related to bank transactions (international payments etc).

How much is Crowdestate charging as its fees?


Crowdestate might be charging any or all of the following fees that are attributed to either the investor or the sponsor.

Sponsor:

  • A one-time, 4% structuring fee is paid to Crowdestate for finding the investment opportunities, completing due diligence, capital structuring and covering direct costs (such as legal costs, establishment of SPV etc) associated with the transaction.
  • Regular base fee that covers the costs for maintaining the investments, SPV management and accounting etc. Development projects pay fixed monthly fee that is agreed on case-by-case basis.

Investor:

  • Crowdestate is entitled to carry (success fee), if the investment performance exceeds the agreed hurdle rate. Typical success fee is 20% over the 8% per annum hurdle rate. Success fee is paid out at the end of the investment period after the investment has been exited. The fee is calculated into the expected yield, meaning that it is not deducted from the interest payments made to investors.


Fees associated with bank transfers

Generally there are no fees for bank transfers to an investment account from Estonian bank accounts (excl. payments in a foreign currency other than the euro).

Bank transfers from countries other than Estonia could be subject to transfer fees, if any fees apply and the person leaves the fees to be paid by Crowdestate during the transfer. In such cases Crowdestate will deduct the applicable fees from the payment before accruing it to the investment account. For this reason we always suggest to check that the person making the transfer also carries the fees associated with the transfer.

Currently there are no fees for outgoing bank transfers.

Bank transfers in another currency

The official currency for Crowdestate investment accounts is the euro. So, all payments made in a different currency are subject to conversion prior to accrual to the investment account.

All fees related to accepting a payment in other currencies and converting the payments to euros will be deducted from the payment received, taking into account the applicable price list of AS LHV Bank.

Outgoing transfers from an investment account can only be made in euros.


Existem taxas associadas ao investimento através da Crowdestate?


Investir através da Crowdestate é geralmente gratuito, com algumas exceções específicas. Segue-se uma visão geral detalhada das taxas associadas às diferentes atividades na plataforma:

  1. Taxas de investimento:

    2. A Crowdestate não cobra taxas para investir em projetos listados nos mercados primário ou secundário. Isto significa que pode investir nas oportunidades disponíveis sem custos adicionais.

  2. Venda de investimentos no mercado secundário:

    3. Se optar por vender os seus investimentos no mercado secundário, aplica-se uma taxa de transação de 2% mais IVA. Esta taxa é deduzida da conta do vendedor no momento da conclusão bem-sucedida da transação.

  3. Taxas de transferências bancárias:
    • Pagamentos recebidos: Não são cobradas taxas por transferências bancárias realizadas de contas IBAN para a sua conta de investimento.
    • Pagamentos enviados:
      • Pagamentos SEPA: Os pagamentos SEPA enviados da sua conta de investimento são gratuitos.
      • Pagamentos internacionais: Para pagamentos internacionais fora da zona SEPA, as taxas são determinadas de acordo com a tabela de preços aplicável do AS LHV Bank e serão deduzidas da sua conta de investimento.

A Crowdestate oferece uma estrutura de taxas transparente, minimizando os custos para os investidores. A maioria das atividades, incluindo investimentos e pagamentos SEPA, não implica custos adicionais. Contudo, taxas específicas aplicam-se às transações no mercado secundário e às transferências bancárias internacionais.