Investing made easy
Our new card will launch in May in Switzerland.
Join the UK wait list now - exciting things are coming!
If you live in Switzerland, order you card as follows
Select your SmartPurse card
After setting your password, you can easily select the SmartPurse card.
Start investing
Round up on each payment and automatically invest your pocket change sustainably and gender-smart.
Make your pocket change work for you!
Did you know you could turn just £1 a day into over £1,000 in three years? And that it can accumulate to over £12,000 in 20 years?
Dive deeper into the world of finance with round-up investing and first-class financial education by SmartPurse.
Investing made easy with the Kaspar&SmartPurse card
#1 Pay
Pay conveniently with your prepaid Mastercard
#2 Round-Up your Change
Set any amount to round-up to automatically
#3 Multiply
Grow your money by investing it sustainably and gender-smart
You don't have to be wealthy or read piles of books to invest. We want everyone to have the opportunity to learn more about money by working with small amounts and make investing an effortless part of their daily life.
Full transparency - The best advantages
- Worldwide fee-free payment with interbank exchange rates
- Sustainable and gender-smart investments with your change
- Regular financial knowledge, when you need it
- Free account management and deposit protection up to CHF 100,000 with a Swiss bank (Hypothekarbank Lenzburg)
- Transparent fees - no small print: free card & account, 0.95% fee on your investment
*At present only available to people living in Switzerland
The first card with inclusive financial education
Each card comes with access to our popular financial education covering everything from your money mindset, to budgeting, pensions and investments so you can learn as your change grows.
Boost your knowledge
Learn through hands-on experience and tips from SmartPurse
Straightforward
Your change is invested automatically. No big calculations needed!
Sustainable
You invest in sustainable index funds and gender-smart ETFs
Does this sound like you?
"I have no experience with investing, and I'm scared to take the risk"
"I would like to invest, but I don't have enough money"
"I have limited time available to spend on my finances"
"I want my money to make a difference for climate and gender equality"
Our card is for everyone
Whether you already know how to invest or are just getting started and want to gain experience growing your money with small amounts, we are here for you!
How your money is invested
Due to the amounts, we created an investment universe with index funds and ETFs which is as sustainable as these products allow.
Index Equity Fund World ex CH Responsible
The fund replicates the MSCI World ex Switzerland Index using an optimized sampling method and only invests in companies that meet ESG criteria.
Index Equity Fund Emerging Markets Responsible
The fund is similar to the MSCI Emerging Markets Index and focuses on emerging markets.
Index Bond Fund Total Market AAA-BBB CHF Responsible FA CHF
The fund aims to replicate the return and risk characteristics of the reference index. In contrast to the reference index, ESG criteria (environment, social, governance) are taken into account, and exclusions and CO2e optimizations are made.
Index Bond Fund United States Government
The fund offers access to the largest government bond market in the world.
Index Real Estate Fund Responsible Swiss Commercial
Index with sustainability and CO2 reduction as a central criterion for action.
UBS ETF Global Gender Equality UCITS ETF
The index captures the international leaders in terms of gender equality.
Index Precious Metal Gold
Investments in gold are among the most stable and safest investments in the world. From a portfolio perspective, gold makes sense for your returns. However, if you do not want this for reasons of sustainability, you can remove gold from a portfolio in the Kaspar& app.
Frequently Asked Questions
Where will my money be invested in?
Your first £100 of change will be transferred into your change portfolio. The rounded-p change will be invested in two opportunities: Index Equity Fund Switzerland Total Responsible and the Index Bond Fund Total Market AAA-BBB CHF.
Once you cross the £100 threshold, you can initiate individual investment goals and deposit money into these brackets monthly, once or flexibly. Tied to these investment goals are a combination of different investments in ETFs, real estate and funds selected according to sustainable and gender-sensitive principles.
What is included in the costs?
The Kaspar& SmartPurse card includes a free bank account including your credit card. The only fee you have to care about is a 0.95% fee on your investments. There is no fine print or other hidden fees or payments.
The 0.95% fee is all-in. This includes the product costs, stamp duties, stock exchange fees, administration fees and foreign currency costs. Nothing else is added, and you don't have to do anything else with your tax statement.
Do I need a separate bank account to use the card?
Yes. When you register for the Kaspar& SmartPurse card you open an account with Hypotherkarbank Lenzburg quickly and easily in just a few minutes. The account is completely free of charge and includes a deposit guarantee of up to CHF 100,000. With the Kaspar& app you can always keep track of your account and check your progress at any time.
Does the card also work if I have no money in my account?
No. The Mastercard prepaid card is a payment card with which you can only spend as much money as you have previously loaded onto the prepaid card.
The card can accompany you anywhere in the world where Mastercard cards are accepted - in the United Kingdom, in shops and on the Internet, for orders and when travelling - with worldwide fee-free payments with interbank exchange rates.
Can I fall into a debt trap with the card?
No. Even if you this Mastercard credit card, you can only spend your existing balance on the card. This way you are always in full control, you can't take on any unwanted debt or credit and you avoid the high interest rates of traditional credit cards.
Can I invest in addition to the rounded-up change?
Yes. You can easily set goals in the app and, for example, regularly deposit predefined contributions, which are then automatically invested according to your goals and needs.
Disclaimer
This website is deemed to be marketing material within the meaning of Article 68 of the Swiss Financial Services Act and is provided for informational purposes only.