People often ask
How to create an account?
It is very easy. All you need is to complete a registration form using your personal data and e-mail. It can be done by clicking on button
Who can invest?
Both individuals and entities can invest at UCG TRUST. Individual investors must be at least 18 years old and have a bank account
How do I transfer money to my UCG TRUST account?
You can transfer money to your UCG TRUST account easily via bank transfer. Adding funds by bank transfer can take 1-2 business days depending on the speed of the bank transfer. You will receive an automatic email notification when your account balance has been updated
How does UCG TRUST work with investors?
UCG TRUST is an international investment marketplace, where investors from all over the world can open investment accounts for interest income. We operate fully online with no branch infrastructure
What is the APR?
The annual percentage rate (APR) is the fixed annual interest paid to investors based on their investment plan. APR depends on the currency and on the period of investing. Details about investment plans you can find on the website in the section "About"
What is the minimum amount that can be invested?
The minimum amount is 1000 EUR (GBP or USD)
What is the minimum period of investing?
The minimum period is 12 months
How does UCG TRUST work with borrowers?
UCG TRUST invests the received funds from investors into secured business loans.
Interest rates on the loan are calculated based on the borrower's credit rating and its creditworthiness.
Each borrower is given a Grade rating that ranges from A to E, which directly reflects the interest rate on the loan from 10,5% to 18% APR
In the case of loan approval, the company transfers lending funds to the borrower's bank account.
Interest rates on the loan are calculated based on the borrower's credit rating and its creditworthiness.
Each borrower is given a Grade rating that ranges from A to E, which directly reflects the interest rate on the loan from 10,5% to 18% APR
In the case of loan approval, the company transfers lending funds to the borrower's bank account.
How often do I get interest payments?
Interest is accrued on a monthly basis after the 1st day of the month for the previous month.
For example:
invested amount is €30,000
investment period is 12 months
APR is 9,25% which is equal to €2,775
In this case, your monthly interest will be around €230 which can be withdrawn to your bank account at any time
For example:
invested amount is €30,000
investment period is 12 months
APR is 9,25% which is equal to €2,775
In this case, your monthly interest will be around €230 which can be withdrawn to your bank account at any time
What happened if a borrower misses the payment?
We protect your investment using the Provision Fund, which automatically reimburses investors if a borrower misses a payment.
It means, if a borrower misses the payment it won't affect your regular interest payments, based on your fixed term investment plan. Interest will continue to be credited to your account on the 1st date of each month.
Find out more in the section "Provision Fund"
How can I withdraw money to my bank account?
You can transfer all funds available for withdrawal from UCG TRUST account to your bank account at anytime by submitting withdrawal application form. Transfer can take between 2-5 business days.
All transfers must be made to bank account held in your name. The minimum allowed amount for withdrawal is 10 EUR (GBP or USD)
All transfers must be made to bank account held in your name. The minimum allowed amount for withdrawal is 10 EUR (GBP or USD)
How do I exit my investment?
After the expiry of your investment plan, you can withdraw all your invested funds by submitting withdrawal application form. Early termination is not provided
What fees are applicable?
There is no fee for servicing your investment account. Our profit depends on how we handle borrowers and the less default loans we have, the more profit we receive. Therefore, we approach our investments with great care and diligence
How is income taxed?
The income earned at UCG TRUST is taxed for each investor based on legislation of the respective country where the investor is a tax resident. As laws vary in each country, for more information, please consult the appropriate revenue service or a tax specialist
What is the Verification process?
Each investor has to go through KYC verification process, which is required by AML regulations.
The Verification process is easy and takes up to 15 minutes, in some cases up to 24 hour. All you have to do is upload your identification document (Driver’s license, Passport or ID) in your UCG TRUST account.
Once verification process is completed, you can fully use your account without any future requests of any additional information (such as utility bills, etc.)
The Verification process is easy and takes up to 15 minutes, in some cases up to 24 hour. All you have to do is upload your identification document (Driver’s license, Passport or ID) in your UCG TRUST account.
Once verification process is completed, you can fully use your account without any future requests of any additional information (such as utility bills, etc.)
Why UCG Trust does not provide a loan list on the website?
The main goal of our company is to make investing simple for everyone, whether you are an expert or just a beginner.
Furthermore, if borrowers miss or fail to make repayments, our Provision Fund will automatically reimburse the payment. Therefore, you no longer need to analyze each loan, wait for your income and guess when a borrower will make repayments since our team will handle it for you. As a result, there is no need to provide a loan list.
We simplified the process as much as possible for you as an investor. Your investment accounts at UCG Trust operate in a similar manner as typical savings accounts, where you receive regular monthly interest payments within your investment plan
Furthermore, if borrowers miss or fail to make repayments, our Provision Fund will automatically reimburse the payment. Therefore, you no longer need to analyze each loan, wait for your income and guess when a borrower will make repayments since our team will handle it for you. As a result, there is no need to provide a loan list.
We simplified the process as much as possible for you as an investor. Your investment accounts at UCG Trust operate in a similar manner as typical savings accounts, where you receive regular monthly interest payments within your investment plan
Who is UCG TRUST backed by?
UCG TRUST is backed by group of experienced companies, members of international financial company UCG including equity firms, venture capital firms and leading professional services firms. Our Board of Directors consists of a number of individuals with extensive experience in financial services