Launch competitive investment products in weeks

From neobrokerage with fractions to digital wealth propositions, Upvest provides the complete investment infrastructure to accelerate your go-to-market across Europe and the UK.

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Investment products modern fintechs launch and scale with Upvest

Neobrokerage offering

Digital-first neobrokerage with real fractions, low commissions, and best-in-class UX.

Robo advisory and DPM products

Fully digital platform to offer portfolios tailored to the end users’ goals and risk appetite.

Savings plans and round-ups

Recurring investments into single instruments or portfolios, enabling end users to build long-term wealth on auto-pilot.

Interest-bearing accounts

Money market fund exposure for individual investors to save risk-free and businesses for treasury management.

Not seeing your target use case? Our API supports any investment product. You bring the vision, we provide the infrastructure toolkit.

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Go to market in weeks

Leverage Upvest’s all-in-one platform for technology, middle and back office, and licences.

  • Digital-first UX

    Offer fully digital end-user journey with instant onboarding and investing, as well as portfolio updates in real-time.

  • Global coverage with localised offering

    Expand across Europe and the UK with local assets in the home currency (e.g. GBP), pension products, and embedded localisation such as tax administration.

  • Grow across users and trades

    Grow with confidence on our cloud-native full-stack investment core-banking solution with an integrated middle and back office.

  • Market-leading costs

    Reduce fees for your end users by leveraging low infrastructure costs and operating at a high level of automation in operations, customer service, and compliance.

  • Go-live in weeks

    Move from concept and integration to testing and go-live in weeks, enabled by our comprehensive launch guides and expert teams.

The complete investment infrastructure for fintechs

Asset coverage

Access to 100k+ instruments, including stocks, ETFs, mutual funds, money market funds, ELTIFs, securitised derivatives, bonds, and more (crypto coming soon)

Real-time fractions

Fractional investing available across all assets, starting from €1, £1 or $1 (more currencies to be added soon)

Savings and withdrawal plans

Recurring buys and sells with custom intervals and amounts on single instruments and portfolios

Portfolio engine

Multi-asset model portfolios, including time- and threshold-based rebalancing configurations

Multiple account types

Single, joint, child, and business accounts available across all EU and UK jurisdictions

Pension and tax wrappers

Altersvorsorgedepot and Frühstart-Rente in Germany, ISAs and SIPPs in the UK, PEAs in France, Traspasos in Spain, and more to come

Mobile app screen showing user assets with stocks, ETFs, and derivatives listed with percentage changes.
Investment app screen showing €1.00 invested in 0.004 shares of Apple from €1,250.56 available balance.
Mobile screen showing active savings plans with amounts, frequencies, and next execution dates, plus a search bar.
Mobile screen showing portfolio total €28,955.82 with 6.5% increase and asset allocation pie chart.
Mobile banking app showing multiple accounts and total balance of €39,925.91 for user Sarah Weber.
Mobile screen shows projected balance €706,518 at age 67 with contributions, bonuses, and market growth graph.

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TECHNOLOGY

Infrastructure designed to run elastically in cloud environments, ensuring high availability and efficiency

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Operations

Automation of over 99% of middle- and back-office processes across brokerage, settlement, and custody

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Licences

Supervised by Bafin and the FCA*, Upvest offers full regulatory compliance

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One infrastructure across the entire investment lifecycle

We enable your investment product along every step of the user journey.

Mobile screen showing account opening form with personal info fields and verify identity step.

Account opening

  • User onboarding and account opening in seconds via KYC reliance and background AML checks
  • Opening of unlimited accounts per end user for wealth and brokerage experiences
  • API-based role management linking end users and accounts
Mobile screen showing an app to transfer 500 euros from a bank to an investment account.

Account funding

  • Opening of cash accounts at Upvest (via banking partners) or use of your own cash accounts
  • Upvest cash accounts in the end user’s name via vIBANs, fundable via direct debits and (instant) SEPA credit transfers
  • Optional virtual cash balances for real-time buying power tracking and management, in case of your own cash accounts
Mobile screen showing Buy ETF page with €250 investment in MSCI World ETF and payment from current account.

Order management

  • Dynamic and static cost transparency reports (e.g. ex-ante and ex-post), embedded pre-order checks, as well as order surveillance and monitoring
  • Portfolio orders based on personalised portfolio configurations
  • Placement and execution of orders across various markets either straight-through or via block orders with configurable cut-offs
Smartphone screen showing investment portfolio with total assets €28,955.82 and asset allocation chart.

Digital custody

  • Digital position management and reporting on valuations and account performance
  • Automated corporate action handling, from notification to processing and reporting, including digital instruction management
  • Tax handling, including reporting, withholding, and administration
  • Regulatory and local end-user reporting
User Marcel Schwarz account overview showing active personal and pension account groups with portfolio and account values.

Scalable support

  • Automated support and ticketing flows with real-time status updates
  • Expert B2B2C support on edge cases to enable your first line
  • Self-service middle- and back-office tooling via the Upfront service panel

Trusted by Europe’s leading fintechs

How N26 went live with Upvest’s localised full-stack solution across Europe

N26 successfully launched Stocks and ETFs in record-breaking time together with Upvest, followed by a fast expansion across markets with a local product offering.

6 months

to go-live

25+

new features since go-live

18+

European markets live

Read the full story

How Revolut scaled its stocks and ETFs offering across Europe and the UK with Upvest

Revolut introduced fractional stocks and ETFs with speed and efficiency, strengthening their competitive edge across European markets.

80%+

fractional orders

3 months

to go-live in the EU

40m+

end users across Europe

Read the full story

Build investment experiences your end users will love

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