Deliver personalised digital wealth management at scale

Capture generational wealth by modernising your offering with a fully digital user experience. Support hyper-personalised, AI-ready DPM and advisory products, powered by Upvest’s multi-asset portfolio engine.

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Launch and scale modern wealth propositions across Europe and the UK

Digital DPM

Actively managed, advanced, and personalised wealth products across all asset classes.

AI-powered advisory

AI-based research, recommendations and advisory, complementing human advice.

Local pension products

Benefit from the digitalisation of the pension space and new pension product launches (for example, the upcoming Altersvorsorgedepot).

Direct indexing

Adjust indices according to personal beliefs.

Affordable offering for the mass affluent

Target new user segments with attractive fees, enabled by low infrastructure costs and automation.

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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Build the next generation of digital wealth products with Upvest

The full wealth stack, designed for today's investors.

  • Personalised portfolio

    Set up individual portfolio and rebalancing configurations without limitations, unlimited configurations per end user and up to 1,000 instruments per portfolio.

  • Real-time investment UX

    Offer fully digital processes, featuring instant account openings and buying power, real-time trading, and event-driven account insights.

  • Advanced analytics and AI use cases

    Leverage real-time data and performance calculations for personalised investment recommendations.

  • Global coverage with localised offering

    Expand across Europe and the UK by launching region-specific products such as pensions and tax wrappers.

The complete infrastructure you need to deliver personalised, multi-asset wealth management

Asset coverage

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

Portfolio engine

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

Analytics

Holistic investment analytics and real-time insights including performance, diversification, and scenario analysis for a single financial view across products

Advanced portfolio orders

Continuous rebalancing with orders (working towards target allocation) and post-tax sell orders (factoring in tax effects)

Account valuations and performance

Transparent overview on account valuations over time and via time-weighted returns

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 screen showing wealth manager app with stock, ETF, and derivative asset values and navigation icons.
Mobile app screen showing portfolio total €28,955.82 with 6.5% increase and allocation pie chart by asset type.
Wealth manager app shows portfolio value €47,450 with asset breakdown, insights, and market impact scenarios.
Mobile screen showing portfolio details with value, target allocation drift, and rebalance orders.
Mobile app dashboard showing portfolio €8,310 with 11.27% TWR and NAV change +€847.33 year to date.
Smartphone screen showing projected balance of €706,518 at age 67 with contributions, bonuses, and growth chart.

Powered by

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 your identity' option.

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 app screen showing transfer of €500 from bank to investment account with balances and keypad.

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 app screen to buy conservative ETF portfolio with €250 investment from current account balance.

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
  • Support for all order types, such as market, limit, and stop orders
  • Placement and execution of orders across various markets either straight-through or via block orders with configurable cut-offs
Mobile app screen showing investment overview with total assets €28,955 and a pie chart of ETFs, stocks, bonds, funds.

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
  • Account valuations and time-weighted return calculations
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 Raisin enabled model portfolios at scale with Upvest

With Upvest’s portfolio engine, Raisin was able to offer a highly scalable Robo-Advisor at market-leading costs. This positioned Raisin as a cost leader for wealth products in the German market while delivering a fully digital and instant user experience.

1 weekend

for full migration

€75bn

Raisin’s total AuM

1m+

Raisin’s total end users

Read the full story

How Zopa launched flexible ISAs in the UK with Upvest

With Upvest, Zopa launched a market-leading flexible ISA product, including offering a seamless transfer of assets from Cash ISAs to Stocks & Shares ISAs. End users can start fractional investing in minutes while retaining the flexibility to withdraw and return funds throughout the tax year and maintain their full ISA allowance.

6 months

to go-live

1.5m+

 banking end users

£1

minimum investment

Read the full story

Build investment experiences your end users will love

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