Wealthyhood

What Wealthyhood does

Wealthyhood is a European wealthtech company operating a mobile-first investment app that enables retail users to invest in stocks, ETFs, and money market funds with zero commissions and fractional shares from €1. The platform is built around a Portfolio Builder (asset-class/geography/sector/theme configuration backed by 1M+ templates), an Autopilot automation layer (recurring monthly investments, first-Monday rebalancing, automatic dividend reinvestment), and a Savings Vault offering up to 2.14% interest on uninvested cash via money market funds. AI features (portfolio recommendations, predictive insights, AI bots, AI search, and past/future performance simulation) are layered into the experience, alongside a Learning Hub with 50+ educational guides, daily news, and analyst insights. The company is regulated in the UK via the FCA (as an appointed representative of RiskSave Technologies Ltd) and in the EU via the HCMC (activity licence 3/1014), with segregated client assets and FSCS/Hellenic Investment Guarantee Fund coverage.

The company monetizes through a three-tier subscription (Basic free, Plus €2.99/month or €23.99/year, Gold €12.99/month or €119.99/year), tiered FX conversion fees (0.55%/0.35%/0.25%), custody fees on Plus and Gold tiers, MMF revenue share on uninvested client cash, and €1 fees per ETF buy without Smart Execution on Basic. A B2B wealthtech platform licensing offering is in market, positioning the technology stack as a white-label solution for traditional banks. Wealthyhood serves two segments: (1) younger and tech-savvy retail investors in the UK and Greece as the primary D2C audience acquired via product-led growth through app stores, referral programs, and content marketing, and (2) traditional banks and financial institutions as an emerging B2B licensing vertical. The company has raised approximately €9.6 million across seed and Series A rounds, with GlobalWealth Group PLC holding a 34.2% strategic stake and Bank of Cyprus leading the most recent €6 million Series A in March 2026.

Name

Wealthyhood

Legal name

Wealthyhood Europe AEPEY (EU entity) / Wealthyhood Ltd (UK entity)

Website

https://wealthyhood.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Wealthyhood is a European wealthtech company operating a mobile-first investment app that offers commission-free stocks, ETFs, and money market funds with fractional shares from €1, AI-powered portfolio building, automated investing, and dual UK/EU regulation. It serves retail investors in the UK and Greece while licensing its platform to banks.

Ownership category

akta.pro rank

Product category

Retail Investment Platform

NAICS

Portfolio Management and Investment Advice (523940)

SIC

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

akta.pro primary industry

Goal-Based & Micro-Investing Platforms (Round-ups, Fractional) (FSAGAEAG)

akta.pro secondary industries

Automated Rebalancing, Tax-Loss Harvesting & Tax-Optimized Investing Tools (FSAGAEAE), Execution-Only / Self-Directed Investing Platforms (FSAAAAAI)

Keywords

• Retail investment app
• Commission-free trading
• Fractional shares investing
• Automated portfolio management
• Wealthtech platform

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Subscription Plans: Three-tier subscription model: Basic (free), Plus (€2.99/month or €23.99/year), and Gold (€12.99/month or €119.99/year). Higher tiers unlock premium analyst insights, lower FX rates, higher savings vault interest rates, and priority customer service.
2. FX / Currency Conversion Fees: Currency conversion fees charged when investing in different currencies. Basic plan: 0.55% FX fee; Plus plan: 0.35%; Gold plan: 0.25%.
3. Custody Fees: Custody fees based on the average daily value of investments, calculated monthly. Zero custody fees on Basic plan. Specific rates for Plus and Gold tiers not publicly disclosed.
4. Interest on Client Cash / MMF Revenue Share: Revenue generated from holding client uninvested cash in money market funds. Wealthyhood earns interest on client money held in MMFs, with net yield passed to clients at differentiated rates by plan.
5. B2B Platform Licensing: Wealthyhood is positioning its wealthtech platform as a B2B offering, licensing technology to traditional banks and financial institutions seeking to modernize digital investment services. This represents a new and emerging revenue stream.
6. ETFs Without Smart Execution: A €1 fee per ETF is charged for ETF purchases without Smart Execution on the Basic plan, generating incremental transaction revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Wealthyhood operates a mobile-first wealth-building application that lets retail investors buy and sell stocks, ETFs, and money market funds with zero commissions and fractional shares starting at €1. The platform bundles an AI-powered Portfolio Builder, automated investing (Autopilot) with rebalancing and dividend reinvestment, a high-yield Savings Vault, and a Learning Hub, served through three subscription tiers (Basic, Plus, Gold). The company also licenses its underlying wealthtech platform to traditional banks and financial institutions on a white-label basis.

Product overview

Wealthyhood is a unified wealth management and investment platform consisting of a consumer-facing mobile app and a B2B technology licensing solution. The core product is the Wealthyhood Investment App, which provides commission-free trading of stocks, ETFs, and money market funds with fractional shares, complemented by three subscription tiers (Basic free, Plus €2.99/month, Gold €12.99/month). Key features include the Savings Vault for high-yield savings (up to 2.14%), Portfolio Builder for personalized diversification, Autopilot for automated investing and rebalancing, and a Learning Hub for investor education. The company also offers its wealthtech platform for B2B licensing to traditional banks seeking to modernize their digital investment services. The platform is regulated by the HCMC (EU) and FCA (UK).

Differentiator

Problem solved

Functional benefit

Products and services

• Wealthyhood Investment App Mobile-first retail investment platform offering commission-free trading of stocks, ETFs, and money market funds with fractional shares from €1, automated portfolio building, and AI-powered investing tools. Targeted at retail investors in the UK and EU.
• Wealthyhood Basic Plan Free subscription tier providing access to 1,000+ commission-free stocks and ETFs, fractional shares from €1, Savings Vault with up to 2.09% interest via MMFs, portfolio automation, 50+ learning guides, 1M+ portfolio templates, and zero custody fees. FX conversion fee of 0.55%.
• Wealthyhood Plus Plan Mid-tier subscription at €2.99/month or €23.99/year. Includes all Basic features plus premium analyst insights and news, higher Savings Vault interest rates, and a reduced 0.35% FX conversion fee. 7-day free trial available.
• Wealthyhood Gold Plan Premium subscription at €12.99/month or €119.99/year. Includes all Basic features plus premium analyst insights, the highest Savings Vault interest, a 0.25% FX conversion fee, and priority customer service. 7-day free trial available.
• Wealthtech B2B Platform (White-label Licensing) Licensed technology platform enabling traditional banks and financial institutions to offer modern digital investment services (fractional shares, automated investing, AI-powered portfolio tools) to their own customers under a white-label arrangement.

Quantifiable outcome

• 60,000+ users in the UK and 10,000+ users in Greece within months of launch
• +3 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature7 records

Partnerships

Two partnerships are on record, tiered minor and core.

• Traditional Banks (B2B Clients)minorOEM/ Whitelabel/ Licensing Partner · 3 March 2026Wealthyhood is positioning its technology platform as a B2B offering, licensing its wealthtech platform to traditional banks seeking to modernize their digital investment services. This is an emerging partnership vertical where banks license Wealthyhood's technology to offer digital investing features to their own customers.
• RiskSave Technologies LtdcoreTechnology or IntegrationWealthyhood Ltd is an appointed representative of RiskSave Technologies Ltd, which is authorised and regulated by the FCA (FRN 775330). RiskSave serves as the UK regulatory sponsor, enabling Wealthyhood to operate investment services in the UK under FCA oversight. This is a critical regulatory and compliance partnership rather than a capital relationship.

Scale indicators6 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Nutmeg: UK robo-advisor offering managed investment portfolios, ISA/SIPP wrappers, and automated rebalancing. Comparable as a UK-regulated digital wealth platform with automated portfolio management for retail customers.
• Moneyfarm: European digital wealth manager (UK + Italy) offering managed portfolios, automated investing, and personalized advice. Comparable as a regulated European digital wealth platform targeting mass-affluent retail investors with automated portfolio construction.
• Revolut: Global digital banking super-app with commission-free stock/ETF trading, fractional shares, and multi-currency accounts in UK/EU. Direct competitor given overlapping product (zero-commission investing from small amounts), geographic footprint, and target demographic (younger tech-savvy retail customers).
• Freetrade: UK-headquartered commission-free stock and ETF platform with fractional shares (Freetrade Plus) and a free tier. Direct competitor in core proposition (commission-free UK investing, fractional shares, low-cost retail onboarding) and primary geography.
• eToro: Commission-free multi-asset social investment platform with fractional shares, ETFs, and portfolio automation features operating across UK and EU. Direct competitor in product scope (commission-free investing, automation, social/learning features) and regulatory footprint.
• Trading 212: Commission-free multi-asset brokerage serving UK and EU retail investors with fractional shares, ETFs, and automated investing features. Closest direct competitor in geography (UK + EU), product mix (commission-free stocks/ETFs), and target segment (self-directed retail investors).

Emerging players

• Lightyear: European (Estonia-based) commission-free multi-currency investing app offering stocks, ETFs, and fractional shares across UK and EU markets. Comparable emerging peer targeting the same pan-European, younger, self-directed retail investor segment.
• Robinhood: US pioneer of commission-free, fractional, mobile-first retail investing with strong app-led branding and AI-driven features. Comparable on product DNA (mobile-first commission-free investing, automation, learning content), though currently more limited in EU/UK distribution; serves as a reference model for Wealthyhood's roadmap.

Broad incumbents

• Hargreaves Lansdown: Largest UK direct-to-consumer investment platform offering funds, shares, ETFs, ISAs, and SIPPs. Comparable broad incumbent in UK retail wealth, though anchored in funds/ISAs rather than Wealthyhood's app-first, fractional-shares-led proposition.
• Interactive Investor: One of the UK's largest retail investment platforms offering stocks, ETFs, funds, and SIPPs with a flat-fee subscription model. Comparable as a UK incumbent retail investment platform, though broader in product scope (funds, ISAs, SIPPs) and serving a wider customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/wealthyhood_
• Facebookfacebook.com/wealthyhood
• LinkedInlinkedin.com/company/wealthyhood-invest
• Instagraminstagram.com/wealthyhood_eu

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds4 records

Investors5 records

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

M&A

Investments

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

Frequently asked questions about Wealthyhood