InvestQ Frequently asked questions

The InvestQ application is an investment platform that allows Tatra banka clients to invest in more than 1,000+ securities traded on the global stock exchanges NYSE, NASDAQ, XETRA and Vienna stock exchange. Already today, you will find in the application 250+ ETFs from leading global asset managers, 750+ stocks of companies from all over the world and mutual funds from Raiffeisen Capital Management. Thanks to the InvestQ application, investing is easy and accessible whether you are on the go or in the comfort of your home. Invest safely with a world-renowned Slovak bank.

The operator of the InvestQ application is Tatra banka, which is an entity regulated by the National Bank of Slovakia in the provision of investment services.

It cooperates with the parent company Raiffeisen Bank International AG on the operation of the application, especially in the provision of services related to trading in foreign securities and their safekeeping.

The InvestQ application is intended for natural persons over 18 years of age who have at least one current account with Tatra banka, a registered e-mail and an activated Tatra banka mobile application. The application is available in Slovak and English language versions.

To activate the InvestQ application, it is necessary to become a Tatra banka client and have at least one current account opened for a natural person.

The InvestQ application is not accessible to US citizens.

To activate the InvestQ application, you need to:

• have an active current account of a natural person
• have the Tatra banka mobile application activated
• check the timeliness of your personal data
• fill out a short investment questionnaire
• accept the terms and conditions, which include your consent to open free InvestQ accounts in EUR and USD for the settlement of your transactions

Download the InvestQ application to your mobile. Android and iOS versions are available. Subsequently, the application will guide you through the simple installation process.

If you have any questions or need help during the process, do not hesitate to contact us. You can do so by calling the DIALOG Live service at *1100 or in person at any Tatra banka branch.

An online manual with detailed instructions can also be a useful help in activating the application.

If your personal data recorded in the bank is not up to date, you can request a change in person at any Tatra banka branch. Selected data can also be changed by telephone via the DIALOG Live service at *1100.

When activated, you will be presented with one InvestQ investment account and two InvestQ accounts:

• The InvestQ investment account is used for the custody of securities you purchase through the InvestQ application.
• InvestQ accounts in EUR and USD are used exclusively for the settlement of transactions related to securities registered in the InvestQ investment account and for the settlement of fees in accordance with the current Service Charges.

• In the case of the InvestQ Investment Account, fees are charged for the execution of transactions and registration of securities in accordance with the currently valid Service Charges, unless expressly stipulated otherwise, in particular as part of a campaign, discount or other special fee adjustment.
• The maintenance of InvestQ accounts and the execution of payment orders on these accounts are free of charge.

Each client can have only one InvestQ investment account.

InvestQ accounts are used solely for the purpose of settling trades related to securities acquired through the InvestQ application. The goal is to separate the world of investing from retail banking (paying invoices, loan repayments, etc.).

The main advantage of these accounts is the so-called forward posting of transactions. You can use the funds from the sale of the security for another transaction on the same day. There is no need to wait for the financial settlement.

The transfer of funds to InvestQ accounts is only possible from your current accounts maintained with Tatra banka. You can also transfer funds from InvestQ accounts only to your current accounts with Tatra banka.

It is possible to make a conversion payment between InvestQaccounts in EUR and USD according to the current list of exchange rates of Tatra banka.

Activating and onboarding after accepting the contractual documentation usually takes only a few minutes.

If you perform onboarding during night hours (when banking systems may be closed), the process can be extended to several hours. In this case, you will return to the application later when banking services resume and onboarding automatically completes.

After accepting the contractual documentation and completing the activation, you will see the main screen in the application and a prompt to fund InvestQ accounts.

To transfer funds, the system will redirect you to the Tatra banka mobile application. Once you have successfully funded your account, you can start investing.

To activate the InvestQ application, it is necessary to have a current account with Tatra banka. For more information, see What are the basic prerequisites for successful activation of the InvestQ application.

The investment questionnaire is an important tool for assessing your knowledge and experience when making independent investment decisions. It helps to evaluate whether you understand the risks associated with individual financial instruments and services.

If we assess that your knowledge and experience are insufficient, we will alert you to the need to reconsider the planned investment decision.

The investment questionnaire is part of the activation process for the InvestQ application. It is not possible to activate the application without completing it. We recommend that you select the product groups you plan to use.

If you don't fill in a group, the application won't allow you to trade with it. However, you can also update the questionnaire at any time after activating the application.

The validity of the questionnaire is 5 years. If your knowledge and experience with investing changes during this period, we recommend that you fill out the questionnaire again. It can simplify and speed up your trading.

The products will be available to you even if you do not meet the required level of knowledge. However, we will warn you of their inadequacy.

If you want to expand your knowledge quickly and easily, visit our educational pages.

The investment questionnaire is intended to reflect your actual knowledge and experience. If your level has improved, you can update it.

You can log in to the InvestQ application using a PIN or biometrics, provided you enabled this option during activation and your device supports it.

After five wrong attempts, the InvestQ application is disabled. When reinstalling and activating the application (with confirmation in the Tatra banka mobile application), you will set up a new PIN code or biometrics login.

Reinstalling InvestQ will not affect your InvestQ accounts or InvestQ investment account. Once activated, you will see an overview of your existing investments as well as your current InvestQ account balances.

The reactivation process is safe and only takes a few minutes. It is important to have the Tatra banka mobile application installed on the same device as InvestQ.

On the log-in screen, select Forgot PIN? and the application will be disabled. You can then reactivate it.

In the Profile section (in the upper right corner of the Home screen), you will find the Settings section. In it, you can change your PIN code and turn biometric authentication on or off.

You can set up biometrics (Face ID/Touch ID/fingerprint) during application installation or later under Settings in the Profile section.

The availability of biometrics depends on the manufacturer, model and version of the operating system of the mobile device on which you have the InvestQ application installed and activated.

You can have the application activated on four mobile devices. Activation must be confirmed via the Tatra banka mobile application, which must be installed on the same device as InvestQ.

Check your internet connection and verify that you have the latest version of the InvestQ application and the operating system of your mobile device.

If the problem persists, it may be a temporary outage. Try logging in to the application later or contact the DIALOG Live service at *1100 .

Automatic logout occurs after four minutes of inactivity. You can also log out manually in the Profile section (in the top right corner of the screen) where you will find the option to Log out.

The application is operated by Tatra banka and uses the same security standards as the Tatra banka mobile application.

If you suspect misuse of your personal data or means of payment, please contact the DIALOG Live service at *1100 or visit any Tatra banka branch.

You can choose a PIN, Face ID, Touch ID, or fingerprint to secure access.

To minimise the risk of misuse, we protect your investments with security measures, including data encryption and the use of security protocols. For this reason, it is not possible to transfer funds outside of your current accounts in Tatra banka.

In the InvestQ application, go to the Accounts section and select Add funds in the account details. The system will automatically redirect you to the Tatra banka mobile application, where you enter a payment order. The selected parameters, such as the recipient's data, will already be pre-filled.

You can also find the option to enter a payment order in the Tatra banka mobile application under the Securities section, from where you can access the InvestQ account details.

In the InvestQ application, go to the Accounts section and select Withdraw in the account detail. The system will automatically redirect you to the Tatra banka mobile application, where you enter a payment order. The selected parameters, such as the recipient's data, will already be pre-filled.

You can also find the option to enter a payment order in the Tatra banka mobile application under the Securities section, from where you can access the InvestQ account details.

Yes, the Exchange is available in the detail of InvestQ accounts. The conversion is subject to the current list of exchange rates of Tatra banka.

A payment order is usually processed immediately. The balance in the InvestQ account will be updated after returning from the Tatra banka mobile application.

A standing payment order can be set up from your current account in EUR to your InvestQ account in EUR. Standing orders from/to foreign currency accounts are currently not technically available.

In the Accounts section, you will find two balances for each InvestQ account:

• A balance for investing is the amount you currently have available for trading.
• A balance for payments is the amount available for transfer.

The difference in the balance amount arises after the sale of the security and lasts until the funds are credited to the InvestQ account. While you can use the funds from the sale for same-day trading, the transfer is only possible after they have been credited to the account. Crediting can take between 1 to 3 business days, depending on the type of security.

• The funds are available for trading before they are credited to the InvestQ account.
• They are available for withdrawal only after they have been credited. Crediting can take between 1 to 3 business days, depending on the type of security.

The InvestQ application does not limit the amount for transfers.

You can transfer funds to InvestQ accounts only from your current account for a natural person, which is maintained with Tatra banka.

If you have a problem with the execution of a payment order, contact the DIALOG Live service at *1100 or visit any Tatra banka branch.

A transfer is only possible between accounts maintained in your name with Tatra banka. It is not possible to transfer funds from or to accounts of other persons, legal entities or accounts in other banks.

Transfers are free of charge. For transfers in foreign currency, the exchange rate is applied according to the valid list of exchange rates of Tatra banka.

You can find all open positions in the Home section under My holdings. The current position is recalculated by the current market price.

As a rule, the InvestQ application works with prices that are around 15 minutes old. The Portfolio value chart is based on the closing prices of the previous trading day.

InvestQ displays unrealised yield and realised yield at the level of portfolio, individual positions, and transactions, including dividends and coupons paid. We use the First In, First Out (FIFO) method in the calculation and include an aliquot amount of fees (if applied to the trade) in the yield value.

• Unrealised gain/loss expresses the difference between the current market price and the purchase price after taking into account fees and currency movements.
• Realised gain/loss represents the difference between the sale price and the purchase price after taking into account fees and exchange rate differences.

The current value of your portfolio is shown in EUR and represents the sum of the securities you hold multiplied by their last known price and converted by the ECB's current exchange rate into EUR.

Balances in your InvestQ accounts in EUR and USD are not part of the portfolio value and can be found in a separate section of the application. The current portfolio value chart shows data at the end of the previous trading day.

The total invested value represents the amount for which you have purchased your current investments, including fees. Purchases in a currency other than the currency of the security are converted at the ECB's rate or the rate used to settle the transaction (for example, buying US stocks from a EUR account).

The total realised return is shown in EUR and represents the sum of all realised sales revenues in the selected period, after taking into account fees. The calculation uses the FIFO method. The realised gain/loss also includes dividends and bond coupon payments, converted into EUR.

• Securities prices and position values are updated every 15 minutes.
• The portfolio value chart is based on the closing prices of the previous trading day.
• The last known price is used to calculate the estimated value of the order and the hold of funds.

InvestQ displays the mid price, which represents the value between the buy and sell prices.

You can find your transaction history in the Home section under Transactions. You can then choose the period you are interested in.

The most common reasons are:

• received but not yet executed buy order
• realised sales
• corporate actions

In the Home section, you can check if you have such an order or transaction placed.

Yes, you can create a list of your favourite securities in the Invest section. You can add or remove a security through its detail.

The InvestQ investment account is charged in accordance with the currently valid Service Charges. Maintaining InvestQ accounts in EUR and USD is free of charge.

An overview of service fees can be found in the currently valid Service Charges.

Yes, the estimated fee is displayed directly during the order placement.

In the Home section, under Transactions, select a specific transaction. Its details will display the amount of fees and other information.

Due to different exchange rate sources:

• the transaction uses the bank's exchange rate, which takes into account current market conditions and may also include the bank's margin.
• As a rule, the European Central Bank's reference rate is applied to the fee, which does not include the commercial margin.

This difference is common and results from the different nature of the transaction and the fee.

Payment orders are free of charge. When converting between an account in EUR and an account in USD, the current list of exchange rates of Tatra banka will be used.

Income from Slovak securities, such as interest and other income, income from the redemption (return, redemption) of unit certificates, income from government bonds, income at maturity or income from the sale of securities, is taxed in accordance with the legislation of the Slovak Republic.

In the case of foreign securities, taxation is governed by the currently valid tax manual, which determines the conditions for taxation of this income.

Corporate actions are changes that affect the shareholders or holders of a particular security. This includes, for example, dividend payments, mergers of companies or share splits. During an ongoing corporate action, trading in the security may be restricted.

An aliquot interest is the proportional part of the interest on bonds. It is calculated from the coupon value of the bond and corresponds to the period from the last coupon payment to the calculation date. This interest will be paid by the new bond holder to the original holder when the bond is purchased.

A dividend is a monetary share of a company's profits paid to shareholders.

The right to a dividend arises if you own a share at least one day before the record date (the so-called Ex-Dividend Date). If you buy a share on the record day or later, you are not entitled to a dividend. You will receive the dividend payment after the dividend payment date (the so-called Payment Date).

You can find dividends paid in the Home section under Transactions, where all transaction types, including dividends, are listed.

A market order is an exchange order in which an investor instructs a broker — in this case, Tatra banka — to buy or sell a security at the current market price. This type of order is typically executed very quickly because it is filled immediately at the best available price. Investors usually choose a market order when execution speed is more important than securing a specific price.

A limit order is an exchange order in which the investor sets a maximum price they are willing to pay when buying a security, or a minimum price they are willing to accept when selling one. The order is executed only if the market price of the financial instrument reaches the specified limit price or better. This type of order gives the investor greater control over the execution price, ensuring that the trade is carried out only at a price the investor considers acceptable.

A stop-loss order helps investors limit losses when the price of an investment drops sharply. A security is automatically sold when its price falls to a predetermined level, the so-called stop price.

The validity of an order expresses the period of time during which an order can be executed.

The FIFO (First In, First Out) method means that when selling, those securities that were bought first are sold first. This method affects the calculation of the return of both the portfolio and individual securities. From a tax point of view, this is the safest way to apply the so-called annual tax test.

Fractional trading is a form of investing in which the investor does not purchase an entire security but only a fraction of it. This makes it possible to invest smaller amounts in stocks or ETFs whose full share or unit price would otherwise be too high.

In the event of a technical problem, make sure that you have an updated operating system of your mobile device and the latest version of the InvestQ application and the Tatra banka application. Also, check the stability of your Internet connection. If the problem persists, contact DIALOG Live at *1100.

If you have not found the answer to your question, please contact DIALOG Live on *1100.

After announcing the death of a client, the bank will block all accounts. Subsequently, they become the subject of inheritance proceedings. After its completion, the bank will settle the accounts according to the final decision on inheritance.

If you are interested in terminating the contractual relationship and closing all InvestQ accounts, visit any Tatra banka branch. A bank employee will guide you through the entire process of terminating the contractual relationship.