MyInvestor

What MyInvestor does

MyInvestor Banco, S.A. is a Spain-based digital-first neobank specializing in investment services, founded in 2017 and headquartered in Madrid. The company operates a fully digital platform — mobile app and web — targeting Spanish retail investors with a horizontal suite spanning fee-free interest-bearing accounts (up to 2% TAE standard, 2.35% TAE Premium), term deposits (up to 4% TAE Premium), Visa debit/credit cards, and an investment marketplace that includes the largest pension plan showcase in Spain, a broad fund supermarket (Vanguard, iShares, BlackRock, Fidelity, Amundi, PIMCO, JP Morgan) with no entry/exit/custody/transfer fees, and a stock/ETF broker. The company obtained its own banking license in 2022 under Banco de España and CNMV supervision, with deposits guaranteed by Spain's FGD up to €100,000 per depositor.

The core investment engine is a roboadvisor platform comprising 100% indexed portfolios (Carteras Indexadas MyInvestor, five risk profiles) and hybrid portfolios (Carteras Híbridas Finanbest, six profiles) following the 2022 Finanbest acquisition. Automated portfolio management is delegated to Andbank Wealth Management SGIIC (CNMV No. 237), with custody and fund operations executed through Inversis Banco. The all-in roboadvisor cost is 0.40%-0.43% annually with a €150 minimum. An X-Ray portfolio analysis tool, co-developed with Morningstar, provides aggregated exposure reporting. The company has integrated its investment catalog into ChatGPT, Claude, and Perplexity AI assistants for conversational product discovery.

MyInvestor monetizes through a mix of roboadvisor management and custody fees (~0.30% combined), brokerage commissions (0.12% on equities/ETFs, 0.30% forex), net interest income from deposit margins and credit products (mortgages, personal/auto/education loans, investment credit), a Premium subscription tier with enhanced rates and perks, AXA life and health insurance distribution via bancassurance, and nascent debt capital deployment to fintech partners (e.g., €30M facility to BCAS in February 2026). Backed by Grupo Andbank, El Corte Inglés Seguros, AXA España, and Spanish family offices, MyInvestor grew to over 900,000 clients and €17B+ in business volume by end-2025, reaching first profit in 2023 and reporting a 55% Tier 1 capital ratio.

Name

MyInvestor

Legal name

MyInvestor Banco, S.A.

Website

https://myinvestor.es

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

MyInvestor is a Spanish digital-first neobank serving retail investors with fee-free banking, a multi-profile roboadvisor (indexed and hybrid portfolios), a broad fund/ETF marketplace, mortgages, and a Premium subscription, backed by Grupo Andbank, AXA, and El Corte Inglés Seguros with 900,000+ clients and €17B+ in business volume.

Ownership category

akta.pro rank

Product category

Neobanking and Digital Investment Services

NAICS

Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Miscellaneous Financial Investment Activities (523999)

SIC

Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Robo-Advisors & Digital Wealth Managers (FSAAAAAD)

akta.pro secondary industries

Direct-to-Consumer Robo-Advisors (Retail Automated Portfolios) (FSAGAEAA), Digital Brokerage & Self-Directed Investing Platforms (FSAGAEAC), Alternatives & Multi-Asset Digital Wealth Platforms (PE/VC/Real Assets access) (FSAGAEAL), Automated Rebalancing, Tax-Loss Harvesting & Tax-Optimized Investing Tools (FSAGAEAE)

Keywords

• Digital investment platform
• Roboadvisor services
• Neobank investing
• Index fund distribution
• Automated wealth management

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Premium Subscription: Monthly subscription tier (Plan Premium) offering enhanced savings rates (2.35% TAE on euro account, 2.5% TAE on USD account), preferential ETF commissions, early access to Urbanitae crowdfunding and Sego Factoring, 0.5% cashback on debit card purchases, and premium deposit offerings.
2. Portfolio Management Commissions: Roboadvisor service charges management fees of 0.15% and custody fees of 0.15% (IVA included) for index portfolios, plus 0.13%-0.37% management for hybrid portfolios. Total all-in cost approximately 0.40%-0.43% annually including underlying fund charges.
3. Interest Income / Net Interest Margin: Net interest income from deposit margin, savings account remuneration, and credit products (personal loans, auto loans, mortgage lending). Clients receive up to 2% TAE on euro savings accounts and up to 2.5% TAE on USD accounts (Premium).
4. Brokerage and Transaction Fees: Stock and ETF trading commissions: 0.12% for trades, 0.30% forex conversion for non-Premium clients. No minimum subscription, custody, or transfer fees for funds.
5. Insurance Distribution (Bancassurance): Revenue from distribution of AXA life insurance and health insurance policies through the bancassurance channel. MyInvestor operates as a tied insurance broker (banca-seguros vinculado) for AXA.
6. Debt Capital Deployment: MyInvestor acts as a lender providing debt funding to partner companies. Notable example: €30M debt facility extended to BCAS education fintech, generating interest income.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

MyInvestor is a Spanish digital-first neobank (MyInvestor Banco, S.A.) that combines fee-free retail banking (current accounts, cards, deposits, mortgages, consumer loans) with a comprehensive investment platform. Its core investment offering is a roboadvisor service (Carteras Automatizadas) that provides automated, algorithmically rebalanced portfolios of index and hybrid funds starting from €150, alongside a fund supermarket, ETF/stock broker, pension plans, and alternative investments.

Product overview

MyInvestor is a Spanish neobank (MyInvestor Banco, S.A.) specializing in investment services, built as a platform-plus-modules architecture. The core platform is a fee-free interest-bearing current account (Cuenta Remunerada) that serves as the hub for the entire product suite. The main investment engine is the roboadvisor (Carteras Automatizadas), comprising four portfolio sub-brands: the fully indexed Carteras Indexadas MyInvestor (five risk profiles — Clásica, Pop, Indie, Rock, Heavy Metal), the hybrid Carteras Híbridas Finanbest (six profiles — White through Red, acquired in 2023), the conservative Cartera Ahorro, and the ESG-focused Cartera Sostenible. Around the roboadvisor, MyInvestor layers a full investment marketplace of funds (Fondos de Inversión, including exclusive BlackRock/iShares products), a stock/ETF broker (Acciones y ETF), and Spain's largest pension plan showcase (Planes de Pensiones). Alternative investments include real estate crowdfunding via Urbanitae, venture capital funds (Capital Riesgo), and crowdfactoring via SEGO Factoring. Banking products encompass interest-bearing USD accounts (Premium-only), fixed-term deposits (standard and Premium tiers up to 4% TAE), Visa debit and credit cards with cashback and travel insurance, and mortgages via partnered lenders. Financing products include personal loans for vehicles, home improvements, education, and secured/investment credit. Insurance is offered through AXA partnerships covering life and health. A Premium subscription tier unlocks enhanced rates, exclusive deposits, and early access to alternative investments. All services are fully digital with no branch network.

Differentiator

Problem solved

Functional benefit

Brands

• Finanbest: Hybrid portfolios combining indexed and active management funds, offered as part of automated investment services.
• Carteras Indexadas MyInvestor
• Cartera Ahorro
• Cartera Sostenible

Products and services

• Cuenta Remunerada (Interest-Bearing Current Account) A fee-free current account that earns interest up to 2% TAE when linked to regular automated investments in portfolios, funds, or selected pension plans. Offers up to €70,000 balance remuneration with tiered rates based on monthly investment amounts (€300/€600/€900). Targeted at Spanish retail investors looking for a high-yield transactional account.
• Cuenta Junior (Junior Account) Interest-bearing savings account for minors (under 18), managed by a parent or legal guardian. Earns 1.00% TAE in the first year and 0.30% TAE thereafter, with potential to earn up to 2% TAE when investments are made in automated portfolios or selected funds.
• Cuenta en Dólares (USD Account)

Quantifiable outcome

• Up to 2.35% TAE on euro savings accounts (Premium tier, up to €70,000)
• +7 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability4 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• HellotecacoreStrategic or Co-development Partner · 1 January 2024Acquired in 2024, Helloteca is an online mortgage manager that helps customers find the best mortgage from partner banks in Spain. The acquisition enables MyInvestor to offer a wider range of mortgage products and negotiate better conditions for clients through its platform.
• FinanbestcoreStrategic or Co-development Partner · 31 August 2022Acquired in August/September 2022, Finanbest is an automated portfolio management firm (roboadvisor) authorized by CNMV and AFA. The acquisition enabled MyInvestor to create Spain's first multimarket roboadvisor combining index-based and actively managed hybrid portfolios. Finanbest products are now offered through MyInvestor alongside its own automated portfolios.
• Andbank Wealth Management SGIICcoreTechnology or IntegrationMyInvestor's automated portfolio service is a discretionary portfolio management service delegated to Andbank Wealth Management SGIIC, registered with CNMV No. 237. Andbank handles the actual investment management and rebalancing of client portfolios.
• Inversis BancocoreTechnology or IntegrationInversis Banco serves as the depositary entity for funds managed by Andbank Wealth Management (the custodian of all client investments). It also provides the underlying technology platform for extended fund trading beyond MyInvestor's direct catalog.
• UrbanitaeminorChannel Partner/ Reseller/ DistributorUrbanitae is a real estate crowdfunding platform integrated into MyInvestor's investment offering. Premium subscribers receive early access to Urbanitae investment projects (4 days in advance). Customers can invest in real estate projects starting from €500.
• SEGO FactoringminorChannel Partner/ Reseller/ DistributorSEGO Factoring (crowdfactoring) is offered as an alternative investment product on MyInvestor's platform. Premium subscribers receive early access to SEGO Factoring offerings.
• BCASminorOthersIn February 2026, MyInvestor provided €30 million in debt financing to BCAS (Madrid-based EdTech startup offering flexible education financing). This is MyInvestor's first disclosed debt capital deployment to a fintech partner, generating interest income.

Scale indicators10 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Indexa Capital: Spain's largest pure-play roboadvisor managing multi-billion euros for retail clients with low-cost automated index portfolios. Directly competes with MyInvestor's Carteras Indexadas and Carteras Híbridas Finanbest for the same Spanish automated-investing customer.
• Openbank: Santander's digital bank offering retail investment products (funds, ETFs, pension plans, roboadvisor) with no commissions in Spain. Targets the same digital-first Spanish retail investor segment with similar self-directed and automated investment capabilities.
• Trade Republic: European commission-free broker and savings platform offering ETFs, stocks, and interest-bearing cash accounts. Operates across Spain with similar low-cost investment proposition and is expanding into automated investing/savings plans that compete with MyInvestor's core flows.
• Scalable Capital: European broker and roboadvisor offering self-directed trading and managed portfolios across Germany, Spain, and other EU markets. Directly competes with MyInvestor in automated portfolio management and low-cost ETF brokerage for Spanish retail investors.
• Moneyfarm: European digital wealth manager combining roboadvisor portfolios with human advisory, serving the UK, Italy, and Spain. Comparable on automated portfolio management, fund selection, and digital-first wealth management for retail investors.

Broad incumbents

• Renta 4 Banco: Spanish bank specializing in asset management, brokerage, and investment services with a broad product suite including funds, pension plans, and discretionary portfolios. Competes with MyInvestor across investment products while also serving more traditional advised clients.
• Revolut: Global neobank offering multi-currency accounts, commission-free stock/ETF trading, roboadvisor-style products, and savings accounts to Spanish retail customers. Competes with MyInvestor's banking, brokerage, and savings propositions.

Regional players

• Wealthfront: US-based roboadvisor and cash management platform operating primarily in the US market. Comparable business model — automated portfolios plus high-yield cash — but does not serve Spanish clients, making it a relevant international benchmark rather than a direct competitor.

Others

• Urbanitae: Spanish real estate crowdfunding platform distributed through MyInvestor and offering access to property development deals. Operates as a channel partner / product integration rather than a competitor, enabling MyInvestor to offer alternative investments to its retail base.
• Andbank Wealth Management: Private banking group that delegates discretionary portfolio management to MyInvestor's roboadvisor service and serves as a strategic backer. Functions as a product/infrastructure partner and competitor in the broader Spanish wealth management market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/myinvestor
• Xx.com/myinvestores

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries2 records

Funding overview

Funding rounds6 records

Investors13 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MyInvestor