Question 1

How do I declare my account to the Belgian National Bank?

Accepted Answer

Your Curvo account is held in the Netherlands. As such, you have to declare it as a foreign account with the National Bank of Belgium. Fortunately, it's an easy process! Follow the step-by-step guide below.

| If you have multiple portfolios, you only need to declare your first one. Additional portfolios don't require a separate declaration.

Steps to declare your account (online method)

There are two ways to declare your foreign account to the Belgian National Bank:

Online
Through a paper form

The easiest way is to do it online and this is the one we'll focus on.

Declare your accounts by filling in the form available on the website of the National Bank of Belgium. If you go for the electronic route, remember that you'll either need your identity card (with chip!), your PIN code and a card reader or else access to your itsme account.

We'll use the French speaking form as an example.

Step 1

Start with login into CSAM account using itsme:

Step 2

Click through to "Déclarer or Aangeven":

Step 3

Click on "Add new account":

![](https://storage

Question 2

How do I declare my account in the 2025 tax form?

Accepted Answer

|| The instructions below are for the 2025 tax form which you complete in 2026.

The screenshots are for filing your taxes online through Tax-on-web. The instructions for the paper form are similar.

Dutch

Add the account to "Vak XIII" under "A. Rekeningen in het buitenland":

Check box 1075
Fill in your name
Indicate "NEDERLAND" as the country
Check the box "Zijn de wettelijk bepaalde gegevens over de rekening bij het Centraal Aanspreekpunt bij de Nationale Bank van België gemeld?".

Declare the account in the Dutch 2025 tax form

||| Before you check the box "Zijn de wettelijk bepaalde gegevens over de rekening bij het Centraal Aanspreekpunt bij de Nationale Bank van België gemeld?", make sure you declared your account to the Belgian National Bank.

French

Add the account to "Cadre XIII" under "A. Comptes à l'étranger":

Check box 1075
Fill in your name
Indicate "PAYS-BAS" as the country
Check the box "Les données relatives au compte, qui sont prévues par la loi, ont-elles été communiquées au Point de Contact Central de la Banque nationale de Belgique ?"

![Declare the account in the French 2025 tax form](https://storage.crisp.chat/users/helpdesk/website/-/d/e/f/0/def089e4527a6000/declaration-fr_kko7rv.png

Question 3

How do I declare the Reynders tax in the 2025 tax form?

Accepted Answer

|| The instructions below are for the 2025 tax form which you complete in 2026.

Add the amount to declare to code 1444 in Box VII. Filing a joint tax return? The oldest partner uses code 1444 (left column) and the youngest partner uses code 2444 (right column). We let you know the amount in the Curvo app and by email. The tax authorities will calculate the 30% Reynders tax based on what you declare.

Dutch tax form

Declaring the Reynders tax on the 2025 tax form in Dutch

French tax form

Declaring the Reynders tax on the 2025 tax form in French

||| The above information is general in nature and is made available for informational purposes only. The information displayed should in no way be considered as personal tax advice. The above information is based on sources deemed reliable by the author. However, Curvo in no way guarantees the accuracy or completeness of this information and cannot be held liable for any direct or indirect damage that may arise as a result of its inaccuracy or incompleteness. This information is subject to possible changes in legislation and tax treatment. The final tax treatment depends on your personal situation.

Question 4

How is my money invested?

Accepted Answer

The investment journey

Here's what happens step by step when you deposit money with Curvo:

You make the deposit
We receive your deposit
We send the orders to the fund providers
Your investments are completed

We receive your deposit (1-3 business days)

We count up to 3 business days (although it usually happens faster) between you making the deposit and us receiving at the Rabobank deposit account. We'll notify you in the app once it's received and processed. The money stays shortly on this account until it is sent to the fund providers to be invested according to your portfolio.

We place your investment orders (same day or next business day)

We create orders that match your portfolio and send them to the fund providers. This happens once daily when markets are open (Monday to Friday). So depending on when your deposit comes in, it's either on the same day or on the next business day.

Your investments are completed (up to 4 business days)

The fund providers confirm your orders and your money is officially invested. Your investments are then held safely by our custodian, which is completely separate from Curvo.

When will I see updates in the app?

You'll see updates at two moments:

When your deposit arrives (1-3 business days): we send you a notification in the app as soon as your deposit is received.
When your investments are completed (a few more business days): your money is investe

Question 5

How do I declare my account to the Belgian tax authorities?

Accepted Answer

Your investment account is with NNEK in the Netherlands. This means you have to tell the Belgian tax authorities about your Dutch investment account. For that, you need to do two things.

1. Declare your account to the Belgian National Bank (once)

The instructions are in the Curvo app in your "Account" section, and are also available here. You need to do this once upon opening your account.

2. Mention the account on your tax form (every year)

We will give you detailed instructions every year. Use them when you complete your tax form. View the instructions for the tax year 2024

To know more

Dutch

Buitenlandse rekeningen melden on the website of the National Bank of Belgium
FAQ rond buitenlandse rekeningen on the website of the Federal Public Service Finance

French

Question 6

How do monthly contributions work?

Accepted Answer

Through the Curvo app, you can easily set up monthly contributions through SEPA Direct Debit. The money is debited the first business day of the month. You can edit or pause the contributions as you wish through the app.

What's the maximum monthly contribution?

The maximum for the monthly contribution is €1,000. Want to invest more each month? Then set up a standing order with your bank, using the bank details of a one-off investment. You'll find them in the app under "Invest" and then "In one go".

How long does it take for the money to be invested?

It can take up to 8 business days as there are two factors at play:

1) SEPA Direct Debit safety window (4 business days)

After we debit the money from your account, we provide a window of 4 business days as a safety net before we invest the money.

The reason is that under SEPA Direct Debit, funds are debited even if you do not have sufficient funds on your bank account. For example, if you have a €300 direct debit set up but you only have €200 on your bank account, the full amount of €300 will still be debited and transferred to our account. What happens though is that your bank will come to us a few days later and automatically take the money back.

This is a risk because we invest your money, and so there is a possibility that its value fluctuates significantly in a few days. That's why we wait 4 business days before investing your money. After that time,

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