NAO brings overnight money alternative to the platform

Berlin, November 04, 2025 — Many investors ask themselves: Where to put the capital that I want to park in the long term without constant interest rate hopping? The answer now comes from NAO. Berlin-based WealthTech is expanding its offering with the BNP Paribas Easy € Overnight ETF. This offers a simple, liquid and cost-effective way to earn interest on unused capital. The ETF currently offers 2.32 percent p.a., is available daily, does not incur any entry or exit costs and is therefore a modern alternative to the traditional call money account.

“With this step, we are expanding our range of liquid investments as a supplement to long-term private market investments,” says Robin Binder, founder and CEO of NAO. “Many of our users don't just want to leave cash behind, but want to park it safely and profitably. The Overnight ETF offers them just that, easily accessible via the NAO app.”

The expansion follows the NAO community's clear desire for a secure cash management solution between two investments. Unlike traditional overnight money offers, the ETF shows the official key ECB interest rate (€STR) plus a premium of currently 0.39 percent p.a., which reflects the average interest rate for deposits in the interbank market. This results in a continuous interest rate above Market averages enables. Investors thus participate directly in the current interest rate development of the European Central Bank without having to rely on interest rates from individual banks or having to regularly switch between providers.

Flexible cash management solution for private market investors

For investors who invest in private equity, private credit, infrastructure or hedge funds via NAO, the new offering fills a central gap: Capital that is waiting to be used in long-term strategies can now be invested in a short-term yet yield-oriented manner. The BNP Paribas Easy € Overnight ETF (ISIN: LU3025345516) is structured as a special fund, meaning that invested capital remains legally separate from bank deposits. With product costs of just 0.05 percent p.a. and no fees for purchases or sales, it is one of the cheapest money market solutions on the market. Free savings plans are also possible.

NAO is thus expanding its existing offering to include a highly liquid component. The ETF is now available to all users in Germany, Austria and the Netherlands.

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