Below you will find answers to the questions we get the most
If you log in and see that your account balance is 0, it might be because you used the wrong email address. Please ensure that you have used the correct email address and password, or check if you logged in with Google or Apple. Try to remember which login method you used last time. You might need to repeat the process to make sure you are using the correct login information. If you transferred from the old app, you need to log in with the email and password from the old app, and not use Google/Apple login.
To find your annual statement, log in to the app, click on "Profile," then on "Settings" at the top right, and finally on "My Documents." Here you will find all your annual statements. The annual statement is useful for verifying that the information in your pre-filled tax return is correct.
Share Savings Account: The annual statement shows how much money is in the account, how much you have deposited, and how much you have withdrawn. If you have withdrawn money during the year or closed the account, you must check if the gain or loss matches what is stated in your tax return.
Share and Fund Account: The annual statement provides an overview of sales, interest expenses, and interest income for the year, the value of your securities, and the balance on December 31. If you have sold securities during the year, you must check if the gain or loss matches what is stated in your tax return.
Due to regulations, fixed-income funds and combination funds with an equity share of less than 80% do not qualify for placement in a share savings account. Therefore, they are placed in a holding account for you. Additionally, equity funds registered outside the EU/EEA also do not meet the requirements for a share savings account. It is worth noting that Stack currently does not offer any of these types of funds.
All equity funds available in the Stack app qualify for a Share Savings Account (ASK). With a Share Savings Account, you can only trade listed shares, equity certificates, and equity funds with over 80% equity share within the EU/EEA. On the main page of the fund, where all information from Morningstar about the funds is available, you will find a section called "Share Savings Account" under "Characteristics." The information is in the document you can download under the graph. It indicates whether the fund qualifies for ASK or not. The letter "J" means that the fund qualifies for ASK, while "N" means it will be placed in your holding account.
You can withdraw your cash deposits and securities without paying taxes at any time from the Share Savings Account. Tax is only charged when you withdraw gains from the account, at a tax rate of 37.68%.
If you want to buy more of the same fund, you can easily do so by tapping the Stack icons from your profile. Add the desired fund to your cart and complete the purchase through the usual payment process. You can also go through the Invest button, search for or find the fund, and add it to your cart from there before completing the purchase. Remember to finalize the transaction!
Only equity funds can be placed in a Share Savings Account (ASK). If you buy fixed-income funds, they will automatically be added to your Fund Savings Account. To check if a fund qualifies for ASK, go to the fund’s main page under Invest and click on “Buy.” If it says "J," the fund can be placed in ASK. If it says "N," the fund cannot be placed in ASK and will be added to your Fund Savings Account.
All Norwegian bond funds, including liquidity and money market funds, remove the earnings right after the New Year and distribute them as new shares. At the beginning of January, it might appear that the fund has decreased in value because the earnings have been removed, but your new shares have not yet been registered. This issue is typically resolved within a few days and is just a technical detail—it's completely normal! So don't worry, everything will be sorted out.
In 2021, we changed our name to Stack By Me AS. Our previously registered company name was Investa Club AS.
Your funds are securely managed by our custodian. We also aim to give our customers the opportunity to transfer their fund investments before any potential dissolution, but if time does not permit this, you are welcome to contact Huddlestock Investor Services AS. They manage ownership registrations for us, and Stack primarily acts as a distribution channel for Huddlestock Investor Services AS, a company approved by the Norwegian Financial Supervisory Authority (Finanstilsynet). Therefore, your investment is under safe and legal regulation.
Of course! Send us a message via the chat feature, and we will provide you with a transfer form.
We recommend selling the funds from your current Aksjesparekonto (ASK) before the transfer, so that we only move the money. This way, the process usually takes 3-4 days, whereas transferring funds can take several months due to manual processes. It’s important to note that you will not be taxed on any gains from this transfer.
We are continuously working to digitalize this process, but in the meantime, we hope you will use the transfer form.
Not yet! However, this is a high priority on our agenda, and we hope to offer this feature by the fall of 2024.
We regularly host open webinars that are streamed on both Zoom and Facebook. You can sign up via Instagram (link in our story) or on our website www.stackx.me. It is completely free and open for everyone to join live!
To watch the recordings after the webinars, you need to be a Gold Member. Gold Membership costs 590 NOK per year. Some of our courses have a fee associated with them. These courses are available under the "Courses" section on our website.
In the app, go to Profile > My Investments > Savings Plans to expand the plan by tapping on the savings plan under the “My Stacks” section. Then, tap the arrow at the top right or below the funds in the savings plan to change the plan’s name, the fund associated with the plan, or the amount.
To change the amount, you also need to remember to update the direct debit amount in your online banking. If you didn’t set up a buffer when you created the plan (which we recommend), you should adjust the amount to better fit your financial plans. We will only deduct the amount you specify for your monthly savings. If the direct debit limit is too low, the deduction might be stopped.
Absolutely! You can set up multiple savings plans. Just follow the same process as you did the first time (choose the fund you want, add it to the cart as monthly savings, and complete the purchase). You can then enter a new name for the new plan, and we will create it for you.
Maybe you want to set up a savings plan for one of your children? You can create as many savings plans as you wish. Remember, each savings plan is actually a separate Investment Account (ASK), so when your child turns 18, you can transfer the entire account to them without triggering any taxes (according to current regulations).
You can find your savings plans by going to Profile, then My Investments, tapping on the relevant investment account, and then selecting Savings Plans located at the top right next to the total investments.
Usually, it takes a couple of days, and we typically say it can take 3-5 business days. While your investments are being processed, you will see that they are marked as "In Process" under "My Investments" and then "Orders."
To resolve any issues, first update the app if you do not have the latest version. If the problems persist, try deleting the app from your phone and then reinstalling it. This usually resolves issues in about 90% of cases.
If the app still isn’t working, don’t hesitate to contact us via the chat feature on our website. We are here to help!
Når du sjekker ut av handlekurven for første gang, åpner vi en konto for deg. Hvis du kjøper et aksjefond, åpner vi en Aksjesparekonto for deg. Hvis du derimot kjøper et rentefond, åpner vi en vanlig fondssparekonto, også kjent som depotkonto, som vi kaller holdingkonto.
When you check out from the shopping cart for the first time, we open an account for you. If you purchase an equity fund, we will open an Share savings account for you. If you purchase a bond fund instead, we will open a regular Fund Savings Account, also known as a Custody Account, which we refer to as a Holding Account.
Absolutely! When you invest in funds with us for the first time, we will automatically create both a Share Savings Account (ASK) and a Fund Savings Account for you.
If you purchase a stock fund or an ETF that is registered in the EU or EEA, the fund will be placed in your ASK. All of the stock funds we offer qualify for ASK.
However, if you buy a bond fund, it will be placed in your Fund Savings Account.
The best part is you don’t have to worry about where to place what—we handle it all for you automatically!
To transfer your Share Savings Account (ASK) to Stack, you can easily send us a message via chat, and we will immediately send you a transfer form.
The transfer of your ASK must be done in full; it is not possible to move only part of your holdings. Fortunately, transferring your ASK does not trigger any taxes. There are no costs associated with transferring your ASK to Stack, but please be aware that the institution you are transferring from might charge a transfer fee.
At Stack, we provide competitive pricing for our services! We operate with an annual platform fee for funds, which is 0.06% for index funds and 0.3% for actively managed funds. In other words, you can invest in global index funds at a total cost of only 0.16%—a fee lower than most providers in the market!
Additionally, we charge a minimum fee of 79 NOK or 0.05% for trading Exchange-Traded Funds (ETFs). This is a one-time fee, and no further costs are incurred for ETFs beyond this.
Our app is free to use, but for those interested in learning more or participating in courses, we offer Stack Gold membership and courses at separate prices.
A Share Savings Account (ASK) is a special type of account designed for investing in stocks and equity funds. It is a tax-advantaged account that allows you to invest in securities without paying taxes on the gains until they are withdrawn from the account.
In an ASK, you can invest in listed shares, equity certificates, and equity funds with more than 80% equity share within the EU/EEA. The ASK allows you to withdraw your original cash deposits and the purchase value of the securities at any time without paying taxes. Taxes are only applied when you withdraw gains from the account, with a tax rate of 31.68%.
A Share Savings Account provides you with the flexibility to invest in the stock market while benefiting from tax advantages and simple management of your investments.
To add new funds to your savings agreement, you must go to Invest, add new funds, and check out of the shopping basket. Select the account you want the agreement on, and the agreement will be updated. You can only have one savings agreement per account, so you will not create a new agreement.
Your savings agreement becomes active on the 20th of the following month after the agreement is created.
For example, if you set up a savings agreement on 5 July, the first withdrawal from your account will take place on 20 August.
This means that one month always passes from the creation of the agreement to the first move.Please note that the move only happens once. This means that we do not make multiple withdrawals on your savings agreement during the same month. This gives you predictability in your financial planning, so you can make sure the funds are available in your account.
What does available cash mean in your portfolio? This refers to funds that have been released, either by selling a fund or several funds. These funds can then be reinvested in new funds or transferred to your bank account for withdrawal.
Hello, Madeleine and Christine here, the founders of Stack. We´re on a mission to democratize finance and make investing more accessible and fun for everyone, especially women. Join our community and let´s reshape the future of the economy together.
With us you can take courses in investing, follow friends and invest together
Regulated and supervised by Finanstilsynet and Member of the Securities Investment Fund.
Your money is sent directly to the administrator, but if it is with us, it is in a client account in Sparebank 1 SR-Bank where it is protected, and we are also part of the Securities Investment Fund.
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All funds on our platform are carefully selected, and are from respected fund houses that we know. The fund you choose to invest in receives your order and generally invests your money on regulated exchanges.
