Peaks
- Company typePrivate
- Founded2017
- HeadquartersAmsterdam, Netherlands
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
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.
Peaks firmographics
Firmographics- 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
Peaks industry classification
Industry- 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
Where Peaks is headquartered
LocationHeadquarters
- HQ city
- Amsterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Peaks business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Supply Chain, Others
Revenue model
- 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.
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Current Subscription Model |
| Subscription | Monthly | Interest Account - Start Package |
| Subscription | Monthly | Interest Account - Complete Package |
| Subscription | Monthly | Interest Account - Premium Package |
| Subscription | Monthly | Former Start Package (Phasing Out) |
| Subscription | Monthly | Former Complete Package (Phasing Out) |
| Subscription | Monthly | Former Premium Package (Phasing Out) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Peaks product offering
Product offeringCore 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
Companies that use Peaks
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles2 records
Peaks technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature6 records
Peaks partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Deutsche BankcoreDeutsche 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 GmbHcoreFund 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.
- XtrackerscoreETF 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
Peaks competitors and assessment
Company assessmentDirect 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
Peaks social profiles
Digital presencePeaks compliance and trust
Trust signalCompliance5 records
Peaks financial estimates
Financial estimateRevenue estimate
Valuation estimate
Peaks leadership team
Management profileNumber of profiles
Profiles7 records
Peaks funding detail
Funding detailFunding overview
Funding rounds2 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Peaks M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Peaks
What does Peaks do?
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.
Is Peaks a public or private company?
Peaks is a private company. It is classified as venture growth investor backed and is currently operating.
When was Peaks founded?
Peaks was founded in 2017. It employs 11 to 50 people.
Where is Peaks based?
Peaks is headquartered in Amsterdam, Netherlands, in the Europe region.
How does Peaks make money?
Three revenue lines are on record. Subscription Fees are the primary driver. The others are lend & Earn Revenue Share and interest Spread.
Who are Peaks's main competitors?
Direct peers on record are Trade Republic, Scalable Capital, Bux, Moneyfarm, Wahed Invest and Acorns. Broad incumbents are DEGIRO and Raisin. Regional players are bunq and Tomorrow.
Does Peaks have an API?
No public API is recorded for Peaks.
What industry is Peaks in?
Peaks's product category is Retail Investment Platform. Its primary akta.pro industry code is FSAGAEAC, Digital Brokerage & Self-Directed Investing Platforms. Its NAICS code is 523940 and its SIC code is 6200.