Birdee is closing down: best alternatives

Birdee is closing down

In April 2025, Birdee announced they are shutting down:

• No new deposits: As of April 2025, you can no longer deposit money into your Birdee account. Any scheduled transfers or recurring payments should be cancelled to avoid failed transactions.
• You can withdraw your funds from Birdee yourself until June 13, 2025: Any leftover investments will be refunded automatically by June 30, 2025. If you don’t withdraw by June 13, Birdee will sell your portfolio. They will then return the cash to your linked bank account by the end of June.
• Cancel recurring plans: Make sure to cancel any repeated payments or standing orders to Birdee. Since Birdee is closing, those contributions won’t be invested. They may bounce back or just sit idle. It’s best to stop them and redirect that money elsewhere (read more below on why Curvo is a great alternative to Birdee).
• Notice for the termination of the contract: Birdee is ending all customer contracts because of the closure. They are sending this information via email. If you get an email about new terms or ending a contract, read it closely. You don’t need to do anything to accept the termination. After 30 days, the update will be accepted automatically. Keep an eye on your inbox for this notice and save it for your records.

It’s normal to feel uneasy about your investment platform shutting down. Luckily, you will receive your money back. You can do this by withdrawing manually or through an automatic refund.

Now, your main task is to choose where to invest those funds next. This choice will help you keep moving toward your financial goals. This is where Curvo can help.

Curvo: the best alternative to Birdee

Switching platforms may feel daunting, but Curvo is designed to make investing easy, accessible, and stress-free. Curvo has several advantages over Birdee:

Automated, hands-off investing

Our core strength is automation. You can set up a monthly direct debit to your Curvo account so that investing happens automatically each month. This automation helps you build consistent investing habits with zero effort: pay yourself first, and let your money grow. You’ll never have to worry about forgetting to invest, and you can “set and forget” knowing Curvo is handling the contributions for you.

All your money invested

Curvo uses fractional shares, which means every euro you deposit is fully invested in your portfolio. There’s never uninvested cash sitting around. Birdee used to keep a portion of your money in cash to cover fees, leaving some of your money out of the market​. With Curvo, your entire contribution goes to work. This maximises your growth potential because 100% of your money is invested rather than languishing as cash.

Start investing from €50

You can open a Curvo account with as little as €50. It's easy to get started.

Fair fees

The fees for Curvo range from 0.6% to 1% annually, which is lower than the 1% that Birdee charged. And because of fractional investing, we don’t need to keep any of your money in cash. Every cent is working for you. There are also no entry or exit fees as you can withdraw anytime without any extra fees.

Built to grow your long-term wealth

If you appreciated Birdee’s simplicity, you’ll love Curvo’s approach. Through our mobile app, we guide you through every step. You can sign up with itsme for quick verification, get matched to an appropriate investment portfolio based on your goals, and track your progress right from your phone.

Curvo lets you project your savings into the future, so you can visualise how your money could grow over time​. Want to see how increasing your monthly contribution might affect your nest egg 10 or 20 years from now? The app lets you do that with just a few taps, which can be really motivating and helpful for planning.

We created Curvo to improve the financial future of our generation

We are worried about the future of young Belgians. Our pension system is under pressure, and the savings account is no longer sufficient to achieve our financial goals. We think that sensible investing, coupled with good financial habits, is the best way to make our savings work for us. This is why we created Curvo.

Proven investment strategy with sustainability in mind

Curvo invests your money in globally diversified portfolios of index funds, very much like Birdee did. This means you’re investing in a broad range of stocks and bonds across industries and regions, a strategy that academic research and decades of data support for long-term growth. If you were in Birdee’s sustainable portfolios, you’ll be glad to know Curvo also offers sustainble investments that consider environmental, social, and governance (ESG) factors.

Safe and regulated

It’s natural to worry about the safety of your money when moving to a new platform. Rest assured, Curvo is a fully regulated service and supervised by the Dutch financial regulator (AFM). This means your investments with Curvo are managed under strict European financial regulations and are protected by the European Investor Protection Scheme​. Your assets are held separately from Curvo’s operational funds, and you remain the owner of your investments. We built Curvo with safety and trust as top priorities, so you can invest with peace of mind.

In summary, Curvo combines the simplicity of an app with enhancements that give you more convenience and control. It was created by founders who personally experienced how complicated investing could be, and they set out to build a solution that fixes those pain points for everyone. The result is an app that takes care of the hard work for you, from automatic investing to portfolio rebalancing, while empowering you with the tools and knowledge to stay on track toward your goals.

Other alternatives to Birdee

While we believe Curvo offers the simplest and most empowering experience for long-term investors, we understand that choosing the right platform is a personal decision. If you’re exploring all your options after Birdee’s closure, you’ll be glad to know that there are a few other robo-advisors available in Belgium.

We put together a guide to help you compare the best robo-advisors in Belgium. It highlights their differences in terms of fees, investment strategies, automation, and user experience. This way, you can make an informed decision that suits your financial goals and investing style.

Your checklist for moving away from Birdee

If you’re a Birdee user looking for a new home for your investments, follow these steps to ensure a smooth transition to Curvo:

1. Cancel recurring payments to Birdee. Log in to your Birdee account (or your bank) and stop any automatic monthly deposits going into Birdee. This will prevent any stray payments from going to a closed account. Instead, you can redirect these recurring contributions into your new Curvo account once it’s set up. Curvo makes it easy to automate monthly contributions on its side too, so you won’t lose the habit of investing regularly!
2. Withdraw your investments from Birdee before June 13, 2025. It’s best not to wait for Birdee’s automatic refund if you can help it. Initiate a withdrawal of your funds from Birdee no later than June 13, 2025. This way, you’re in control of moving your money on your own timeline. The funds will arrive in your bank account, and you can then reinvest them through Curvo without delay. Withdrawing ahead of the deadline also gives you peace of mind that you’ve wrapped up your Birdee account properly.
3. Learn about Curvo’s approach and benefits. Take a moment to explore what Curvo is and how it works. Curvo’s mission is to help you invest for your future in the simplest way possible.
4. Open a Curvo account and start investing. Once you’ve done your research and retrieved your money from Birdee, you’re ready to open a Curvo account. The signup process is fast and easy: you can even use the itsme app to verify your identity and create your account in seconds. Download the Curvo app, go through the simple registration, and deposit the money you withdrew from Birdee. With Curvo, you can start investing with as little as €50, so all the funds you got back from Birdee (no matter the amount) can be put to work immediately. After setting up, you can create a monthly investment plan to keep your savings growing on autopilot.

By following this checklist, you’ll ensure that your transition from Birdee to Curvo is seamless. Essentially, you are withdrawing your money from one platform and redeploying it into another, without significant downtime.

Continue investing with confidence

When an investment platform like Birdee closes, it can feel unsettling. But this change also presents an opportunity to reassess your investment strategy. With Birdee shutting down by June 2025, you now have time to make a thoughtful transition to a new platform that aligns with your financial goals.

Whether you choose Curvo or another alternative, what matters most is that you continue investing for your future. The habits you've built with Birdee, like regular contributions, long-term thinking, and portfolio diversification, are valuable and worth maintaining. By following the transition checklist we've outlined, you can ensure your investment journey continues without significant disruption.

Your investment journey continues here, and the future you will thank you for the smart moves you make today. Happy investing!