Peaks

What Peaks does

Peaks B.V. is a Dutch mobile-first investing platform founded in 2017 and headquartered in Amsterdam, operating under AFM and DNB regulation as an 'execution only' investment firm. The platform enables retail investors in the Netherlands and Germany to invest in diversified ETF portfolios starting from €1, with features including spare-change round-ups, automatic deposits, automatic rebalancing, up to 10 multi-goal accounts, a Custom Portfolio Builder spanning ETFs, crypto ETPs, and precious metals, a Children's Account, a Pension Account, a Business Account, and a ZZP (self-employed) Account. Peaks also offers a low-risk Interest Account backed by a Deutsche Bank money market ETF managed by DWS/Xtrackers, and a Lend & Earn securities-lending feature that returns up to 2% extra yield on a 50/50 revenue-share basis.

The company operates a product-led growth model distributed exclusively through iOS, Android, and web channels, with no sales force and a self-serve onboarding flow. Monetization rests on a unified subscription (€1.59/month base plus 0.04%/month variable), a 50% revenue share on securities lending, and spread earned on the Interest Account, replacing the legacy tiered Start/Complete/Premium packages that are being phased out. Peaks has scaled to over 100,000 active users, employs 11–50 staff, and is backed by €5 million in growth capital from Haerlem Capital and Rithmeester (September 2021). The firm has been voted Best Rated Investment Platform in 2024 and 2025.

Name

Peaks

Legal name

Peaks B.V.

Website

https://peaks.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Retail Investment Platform

NAICS

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

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Investment Advice (6282)

akta.pro primary industry

Digital Brokerage & Self-Directed Investing Platforms (FSAGAEAC)

Keywords

• Retail investing platform
• ETF portfolio investing
• Spare change investing
• Mobile investment app
• Interest-bearing accounts

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Supply Chain, Others

Revenue model

1. Subscription Fees: Monthly subscription model with base fee and variable costs based on invested assets. Base fee €1.59/month + 0.04%/month variable costs. Former tiered packages (Start/Complete/Premium) being phased out. Variable costs averaged 0.04-0.5% depending on package.
2. Lend & Earn Revenue Share: Peaks earns 50% of the revenue generated from lending users' ETFs to financial institutions. No fee when ETFs are not lent out.
3. Interest Spread: Interest Account earns €STR + 0.085% from Deutsche Bank. Variable costs of 0.25%-0.5% plus 0.10% fund costs are deducted from displayed rates.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Peaks is a Dutch mobile-first investment platform that lets retail investors build diversified ETF portfolios starting from €1, with features such as spare change round-ups, automatic rebalancing, an interest-bearing money market account, securities lending (Lend & Earn), and crypto exposure via regulated ETPs. The platform serves individual consumers in the Netherlands and Germany through a self-serve iOS/Android app and web portal, regulated by AFM and DNB.

Product overview

Peaks is a Dutch mobile-first investing platform that offers a range of ETF-based investment products designed to make investing accessible to everyone. The core offering consists of the Peaks Investment Account and Peaks Interest Account, complemented by ready-made portfolio options (Cautious, Balanced, Ambitious, Adventurous) and a Custom Portfolio Builder for personalized investing. Additional features include Lend & Earn for securities lending income, spare change round-ups, automatic rebalancing, and crypto investment via regulated ETPs. Users can open multiple account types including Investment, Interest, Children's, Pension, Business, and ZZP accounts. The platform is regulated by the Dutch AFM and DNB, with all investor assets held by an independent foundation for protection.

Differentiator

Problem solved

Functional benefit

Brands

• Peaks: Simple investing platform enabling users to invest in ETFs, crypto, and build personalized portfolios starting from €1.

Products and services

• Peaks Investment Account Core investing account allowing users to invest in ready-made sustainable ETF portfolios (Cautious, Balanced, Ambitious, Adventurous) or build custom portfolios, starting from €1 with spare change round-ups, automatic deposits and automatic rebalancing. Designed for everyday retail investors in the Netherlands and Germany.
• Peaks Interest Account Low-risk interest-bearing account that invests user funds in a money market ETF managed by DWS (Xtrackers, LU0290358497) and held at Deutsche Bank, tracking €STR + 0.085% with daily interest accrual. Designed for retail investors seeking a low-risk savings alternative on the same Peaks platform.
• Lend & Earn Securities lending feature that lets existing Peaks users lend their ETFs to large financial institutions and earn up to 2% extra return, with profits split 50/50 between user and Peaks. Borrowers provide collateral in the form of stock funds or government bonds. Designed for yield-seeking retail investors already on the Peaks platform.
• Peaks Mobile App (iOS and Android) Self-serve mobile application (iOS and Android) and companion web portal through which retail investors manage their Peaks Investment and Interest accounts, set up spare change round-ups and automatic deposits, and access all Peaks features. Available in the Netherlands and Germany.
• Custom Portfolio Builder Standalone portfolio construction tool that lets Peaks users build and personalize investment portfolios from a selection of ETFs, crypto ETPs and precious metals with their own allocation percentages. Targeted at retail investors who want more control than the four ready-made portfolios offer.

Quantifiable outcome

• Start investing from €1 with no minimum deposit
• +5 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• Deutsche BankcoreTechnology or IntegrationDeutsche Bank serves as the counterparty for the Interest Account money market ETF. The ETF invests money with Deutsche Bank, which pays €STR + 0.085% interest. Deutsche Bank provides collateral (government and corporate bonds) to protect investors.
• DWS GmbHcoreTechnology or IntegrationFund manager of the Xtrackers money market ETF used for the Interest Account. One of the largest asset managers in Europe, DWS conducts daily checks to ensure collateral covers the invested amount.
• XtrackerscoreTechnology or IntegrationETF publisher (subsidiary of DWS) that issues the money market ETF (LU0290358497) used for the Interest Account. Rates the risk level as 1 (very low) on a scale of 7.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Trade Republic: Germany-headquartered mobile broker offering commission-free ETF and stock trading plus interest products. Directly comparable to Peaks as a European mobile-first retail investing platform with overlapping German customer base and similar self-directed UX.
• Scalable Capital: Munich-based digital wealth and broker platform offering managed ETF portfolios and self-directed trading. Closely comparable product mix (ETF portfolios, mobile app, German/NL reach) and overlapping retail-investor target segment.
• Bux: Amsterdam-based neobroker offering commission-free ETF and stock investing across the Netherlands and Germany. Direct competitor in Peaks' core geographies with similar mobile-first, low-entry-threshold positioning.
• Moneyfarm: London/Milan digital wealth manager offering ETF-based managed portfolios with similar fee structure and European retail-investor focus. Overlaps with Peaks on ready-made portfolios and sustainable investment positioning.
• Wahed Invest: Digital investing platform offering ETF portfolios with an emphasis on Shariah-compliant and ethical investing. Comparable to Peaks in its ready-made ETF portfolio model and beginner-friendly, app-led experience.
• Acorns: US-based pioneer of spare-change round-up investing and beginner-friendly ETF portfolios. Conceptually analogous business model to Peaks' spare-change and ready-made-portfolio approach, serving as the international reference point for this category.

Broad incumbents

• DEGIRO: Amsterdam-headquartered low-cost European broker offering broad securities trading. Comparable self-directed investing audience in the Netherlands and Germany, though DEGIRO is a more generalist incumbent versus Peaks' beginner-friendly focus.
• Raisin: Berlin-based savings and investment marketplace aggregating deposit and investment products across Europe. Adjacent to Peaks through retail savings/investing, though it operates a marketplace model rather than its own managed portfolios.

Regional players

• bunq: Amsterdam-based Dutch neobank with growing investment features. Comparable as a Dutch fintech competing for the same retail customer wallet, though bunq's investment product is narrower than Peaks'.
• Tomorrow: Hamburg-based sustainable mobile bank offering investment sub-accounts (tomorrow Invest). Directly competes for sustainability-conscious retail investors in the DACH region with a similar sustainable-ETF angle as Peaks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/peaks
• YouTubeyoutube.com/channel/UCIyUgXoPl0pue9o85g2r70Q
• Facebookfacebook.com/PeaksApp
• LinkedInlinkedin.com/company/peaks-app
• Instagraminstagram.com/peaksnl

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds2 records

Investors3 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 Peaks