Over the past four years, Hive5 has grown together with its investor community.
As our platform and investor base have developed, we have also seen a significant change in the size of portfolios held by many of our long-term investors. Through regular conversations with our investors, including those with larger portfolios, we have received clear feedback that the current Loyalty Programme no longer fully reflects how our community has evolved.
We have heard your feedback.
That is why we are expanding the Hive5 Loyalty Programme by introducing two new loyalty levels — Premier and Elite — and updating the portfolio thresholds across the programme.
The goal is simple: to better recognise long-term investors and provide additional benefits as their portfolios grow.
Five Loyalty levels instead of three
The updated Hive5 Loyalty Programme will include five levels:
Navigator
€5,000–€10,000
+0.50%
Voyager
€10,000–€25,000
+0.75%
Pioneer
€25,000–€50,000
+1.00%
Premier — NEW
€50,000–€100,000
+1.25%
Elite — NEW
€100,000+
+1.50%
Until now, Pioneer was the highest level of the Hive5 Loyalty Programme, providing an additional +1.00% bonus for portfolios above €20,000.
As our investor community has grown, we now have a significantly larger number of investors with portfolios exceeding €50,000 and €100,000.
We believe the Loyalty Programme should reflect this development.
With the introduction of Premier, investors with an active portfolio from €50,000 will receive an additional +1.25%, while our new highest level, Elite, will provide an additional +1.50% for active portfolios from €100,000.
When will the updated Loyalty Programme take effect?
The updated Hive5 Loyalty Programme will take effect on 5 October 2026.
From this date, the new Loyalty levels, portfolio thresholds and bonus rates will apply.
Transition period for existing Pioneer investors
If you hold Pioneer status on 5 October 2026 and your active portfolio is between €20,000 and €25,000, you will keep your current +1.0% Pioneer bonus until 4 April 2027.
If your active portfolio reaches €25,000 during this period, your Pioneer status will continue automatically under the updated programme.
From 5 April 2027, the transition period will end and the new €25,000 Pioneer threshold will apply to all investors.
Why are we making this change?
When Hive5 launched, our Loyalty Programme was designed around the investor portfolios we had at that stage of our development.
Four years later, the Hive5 community looks different.
Many investors who joined us earlier have continued investing, increasing their portfolios and building a longer-term relationship with the platform. At the same time, conversations with our most active investors have helped us better understand their expectations.
Our fourth anniversary gave us a good opportunity to review whether the existing Loyalty Programme still reflected our investor community.
We concluded that it was time for it to evolve.
Adding Premier and Elite allows us to recognise a broader range of portfolio sizes while continuing to reward investors who choose to grow their portfolios with Hive5.
How does the Hive5 Loyalty Programme work?
The Loyalty Programme continues to be applied automatically.
To qualify, you must have been a Hive5 investor for more than 90 days and meet the minimum active portfolio requirement.
Your active portfolio consists of:
invested amount + uninvested account balance.
Your portfolio and corresponding Loyalty level are recalculated automatically by the 5th day of each month.
There is no need to register or apply for a Loyalty level separately.
Please also note that promotional and Loyalty bonuses do not accumulate. Where more than one bonus could apply, the highest applicable bonus is used.
Growing together with our investors
The expansion of our Loyalty Programme is another step in improving the Hive5 investor experience based on how our community is developing and the feedback we receive.
As investor portfolios grow and expectations evolve, we want Hive5 to evolve with them.
Thank you for your continued trust, feedback and loyalty.
The Hive5 Team
Investing involves risk, including the possible loss of some or all invested capital. Investments made through Hive5 are not bank deposits and are not covered by a deposit guarantee or investor compensation scheme.
