Since Oikocredit was founded in 1975, no investor has lost their invested capital. However, it’s important to note that past performance is not a guarantee of future results. Oikocredit is not a bank, and investing in Oikocredit participations involves different risks compared to a savings account. Your investment in Oikocredit participations represents equity in the organisation, which carries considerable risks.

In the event of a bankruptcy, your investment is not protected by any deposit or investor compensation scheme. However, Oikocredit takes measures to minimise risks for the organisation, its partners, and investors. For more details, see ‘What are the risks of investing in Oikocredit?’ and ‘What does Oikocredit do to minimise risks?’.

If Oikocredit were to become insolvent, claims on participations would be ‘subordinated’, meaning that in case of bankruptcy, investors are paid out after all other creditors.

Investing in Oikocredit participations means investing in the organisation’s equity, which comes with considerable risks. You may have to wait a long time to get your money back, and there’s a possibility that you might receive less than you originally invested. In the worst-case scenario, you could lose your entire investment. It’s crucial to be comfortable with these risks before investing.

Oikocredit outlines financial, non-financial, and strategic risks in detail in chapter 1 of its Prospectus, which all investors are strongly encouraged to read. For an overview of these risks, consult the prospectus summary available in your language.

Oikocredit works to protect investors by setting aside provisions for expected losses and making careful business decisions, but there will always be some residual risk. Key risks include:

• Dividends are not guaranteed and may fluctuate.
• The value of participations may fall below your initial investment.
• You may not be able to sell or redeem your participations immediately, as this depends on Oikocredit’s discretion to repurchase them.

For more information, see the prospectus and ‘What does Oikocredit do to minimise risks?’.

You can invest in Oikocredit if you or your organisation:

1. 1. Reside in a country where Oikocredit is authorised to offer participations.
   2. Support Oikocredit’s mission and confirm your alignment with its purpose when requested.
   3. Meet the necessary due diligence requirements, including compliance with Dutch laws on anti-money laundering, anti-terrorist financing, and sanctions.

These criteria ensure that our investments are aligned with our values and adhere to all legal requirements.

There are no costs for buying, holding, or selling participations in Oikocredit. While we currently have no plans to introduce fees, this could change in the future, and we would inform you in advance if that happens.

For individuals and joint accounts, you will need to provide the following valid and recent documents during the sign-up process:

Individual account:

• • A completed subscription form
  • A copy of your official photo ID
  • Proof of address

Joint account with another person:

• • A completed subscription form
  • Proof of address for the address linked to the joint account
  • Both account holders will need to provide a certified copy of their official photo ID

Yes, you can. If you have an individual or joint account, we encourage you to manage your investment through our MyOikocredit portal. This allows you to access and manage your investment anytime, anywhere.

Please note that organisations cannot invest online. For more information contact us via [email protected]

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Yes, you can open a joint account with another person, as long as both of you are at least 18 years old, reside in the same country, and have a joint bank account to use for your Oikocredit investment. Either account holder can manage the account independently, without needing consent from the other.

You can transfer (part of) your investment to someone else. For details, refer to the question ‘Can I transfer my investment to someone else?‘. However, it’s not possible to directly make a transfer from your personal bank account to the Oikocredit account of another investor, as each Oikocredit account can only have one designated reference bank account.