FAQ

Upvest is a fintech company founded in 2017. It enables financial institutions of all kinds to offer the full range of investment products via its Investment API. In the background, Upvest handles the entire value chain for investments: trading, settlement, and custody, including a middle- and back-office with comprehensive BPO services. Our cloud-native investment core banking system offers B2B clients a decisive advantage in terms of scalability, modularity, and cost. Our mission is to make investing as easy as spending money and to enable millions of people to take their wealth creation into their own hands.

No. Upvest is a B2B infrastructure provider, we power the investment products offered by financial institutions.

Upvest serves 30+ clients, with a focus on leading fintechs and large financial institutions in Europe and the UK.

The company employs over 280 people (as of December 2025).

Upvest is headquartered in Berlin and has additional hubs in London and Tallinn.

Yes. Upvest has built an international yet localised platform enabling multi-currency investing across all relevant instruments for each market, with a focus on Europe and the UK. This includes local tax wrappers and tax administration capabilities.

Since its founding, Upvest has received €280 million in capital from leading investors such as Sapphire Ventures, Bessemer Venture Partners, Earlybird, HV Capital, Notion Capital, Motive Partners, and BlackRock.

Upvest processes over 100 million trades annually.

Upvest supports fractional trading across all instruments available on its platform, including stocks, ETFs, mutual funds, money market funds, ELTIFs, securitised derivatives, bonds, and more. Upvest supports up to 10 decimal place precision for securities units. Learn more about fractional investing here.

Yes. End users have real ownership of the fractional shares they hold. Ownership is transferred, allocated, and protected under German law (Section 741 et seq. BGB), including shareholder rights and insolvency protection. UK-held fractional shares are protected under the CASS regime.

Stocks, ETFs, mutual funds, money market funds, ELTIFs, securitised derivatives, bonds, and cryptocurrencies (coming soon).

Upvest supports automatic recurring investments (savings plans) and divestments (withdrawal plans) via its Investment API. Learn more here.

Yes. Upvest supports tax-advantaged products across:

• UK: Stocks and Shares ISAs and JISAs, and SIPPs. Learn more here. 
• Germany: Altersvorsorgedepot and Frühstart-Rente. Learn more here.
• France: PEA (Plan d'Épargne en Actions)
• Spain: Traspasos

Upvest will continue to develop localised solutions across Europe and the UK.

Upvest’s Investment API supports comprehensive, fully digital corporate actions processing, covering the entire lifecycle from announcement to settlement. This includes user and client notifications, instruction handling, and tax treatment. Both mandatory and voluntary corporate actions are supported within the current asset universe (including dividends, splits, and mergers), with the list of supported types expanding as the asset universe grows. Proxy voting services and digital ordering of entry cards for annual shareholder meetings are also available.

Both. Upvest supports segregated individual securities accounts for each end user, giving granular ledger visibility. We also support omnibus accounts (pooled holdings) for clients who prefer to manage individual end-user holdings, account types, tax wrappers, and reporting in-house. Learn more about our operating models here.

Our historic uptime (>99.99%) is available publicly on our status page.

Yes. Upvest provides real-time event notifications through webhooks (and Kafka streams coming soon). Order status and execution updates, including partial executions, are transmitted in real time, along with per-order settlement status.

• Sandbox: production-quality, full-feature staging environments, with mocked third-party dependencies to emulate a range of scenarios
• Live: production environment

Upvest maintains a consistent data protection framework and has data protection governance in place, in line with applicable privacy legislations.

For this, Upvest has appointed a Group Data Protection Officer and has a data protection department in place. All Upvest employees are trained on data privacy compliance.

Upvest's data is stored within the EU. We engage a limited number of carefully selected vendors. Respective data protection assessments are conducted. Where vendors are located outside the EU/EEA or UK, appropriate measures are taken.

You can find our Privacy Policy here.

Supervised by Bafin and the FCA^*, our investment firm licences enable us to support clients across Europe and the UK with compliant, cross-border investment infrastructure. In Europe, we’re fully passported across all countries. We have established branches in major markets, including France, Spain, and Austria.

Learn more about our licences here.

With Upvest, financial institutions and fintechs are able to launch in weeks not years. While launch timelines depend on project scope, our API-first, cloud-native platform is built for speed. We have a proven track record of delivering large-scale projects on time, on budget, and to the highest quality. Read more about our client success stories here.

Trusted by 30+ clients, our experts deliver in-depth consultation on GTM approach, system design, initial build vs expansion plans, migration, and more. With a proven playbook for greenfield launches and full-stack migrations. Upvest's dedicated integration and migration teams ensure every step, from planning to go-live and migration, is executed with precision. Upvest’s migration approach is API-first and we have migrated established financial institutions with billions in AuM, with minimal end-user disruptions and full service continuity.

Upvest’s pricing is tailored to each client’s product scope. Get in touch with our team to discuss your individual business case.

With Upvest, over 99% of support requests can be automated, reducing error rates and costs. Complementing automations, we provide support with subject matter experts at your disposal across operations, compliance, and tax. 

While automation handles standard flows, we ensure resilience through expert human support. You receive a dedicated partner who understands the specific nuances of your integration, backed by a team of experts available on-demand to resolve complex edge cases.

Our clients have access to Upfront, the Upvest service panel, which is a centralised self-service dashboard for direct operational oversight and ad-hoc interventions.