Are there any hidden costs?

No. What you pay is:

• The monthly subscription and one-off start-up costs, only on the pension plans.
• The management fee on your invested capital.
• The fund costs, which go to the underlying funds and not to Vive.

What there isn't: transaction costs, deposit fees, withdrawal fees, advisory fees or performance fees. One nuance: on large inflows or outflows a fund may apply swing pricing, which can work out favourably or unfavourably. All current amounts are on the pricing page.