Finizens

What Finizens does

Finizens is a Madrid-headquartered robo-advisor founded in 2015 and operating as Axon Wealth Advisory Digital A.V., S.A.U., regulated by Spain's CNMV and DGSFP. The company provides automated, globally diversified investment management through index funds and ETFs across four core product lines: Investment Plan (Plan de Inversión), Pension Plan (Plan de Pensiones), Savings Plan (Plan de Ahorro), and Children's Plan (Plan de Niños), with a Finizens Premium tier for portfolios exceeding €100,000. Its proprietary platform applies Modern Portfolio Theory for portfolio construction and runs daily automated rebalancing, accessed through a web platform and native iOS and Android applications.

The business model is asset-based recurring revenue: Finizens charges tiered annual management fees of 0.14-0.41% on investment plans (decreasing with portfolio size and tenure), 0.40% on pension plans, and 0.69% on savings plans, with total estimated client costs ranging from 0.29% to 0.80% depending on product and fund TER. The company leverages negotiated institutional-plus fund share class access with Vanguard, iShares (BlackRock), and Amundi to deliver cost advantages versus traditional Spanish banks, supported by an exclusive digital distribution partnership with Caser Seguros and custody arrangements with Inversis Banco and Cecabank. Go-to-market is product-led and community-led, combining self-service onboarding, a free fund comparator tool for lead generation, an inside sales callback service, and a 'Plan Amigo' referral program.

Finizens manages over €600M for 25,137+ investors as of April 2026, a roughly 30% increase in AuM over 16 months. The company achieved EBITDA positive status in 2023 and cash flow positive in late 2024, distinguishing it from most global robo-advisors. Founded within Axon Partners Group, Finizens has raised approximately $9M across disclosed rounds (2017-2019) and operates exclusively in the Spanish market.

Name

Finizens

Legal name

Axon Wealth Advisory Digital A.V., S.A.U.

Website

https://finizens.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Finizens is a Spanish robo-advisor offering automated, globally diversified index fund portfolios across investment, pension, savings, and children's plans, serving 25,000+ retail investors with €600M+ under management via a regulated digital platform.

Ownership category

akta.pro rank

Product category

Digital Wealth Management (Robo-Advisor)

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Robo-Advisors & Digital Wealth Managers (FSAAAAAD)

akta.pro secondary industries

Digital/Robo Financial Planning (FSAEAAAK), Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI)

Keywords

• Robo-advisor services
• Indexed investment management
• Wealth management
• Pension plan management
• Savings plan services

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, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Investment Plan Management Fees: Ongoing asset-under-management fees ranging from 0.14% to 0.41% annually (VAT included), decreasing automatically based on invested capital volume and years of client tenure. Total estimated costs including fund TER range from 0.29% to 0.62%.
2. Pension Plan Management Fees: Annual management fee of 0.40% with total estimated costs of 0.55% including fund expenses.
3. Savings Plan Management Fees: Annual management fee of 0.69% with total estimated costs of 0.80% including fund expenses.
4. Finizens Premium Management Fees: Premium tier for portfolios over €100,000 offering lower commissions and preferential service channels.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Finizens operates a 100% digital robo-advisor platform that constructs and manages globally diversified portfolios of low-cost index funds and ETFs for individual investors in Spain. The company offers four main investment vehicles — Investment Plan, Pension Plan, Savings Plan, and Children's Plan — combined with automated risk profiling, daily monitoring, algorithmic rebalancing, and access to institutional-class fund shares typically reserved for large portfolios.

Product overview

Finizens is a robo-advisor offering a platform of index investment products. The core offering consists of four main investment plans: Plan de Inversión (Investment Plan), Plan de Pensiones (Pension Plan), Plan de Ahorro (Savings Plan), and Plan de Niños (Children's Investment Plan), each providing globally diversified index fund and ETF portfolios. The Plan de Inversión serves as the primary vehicle with multiple strategy types: Monetario (money market), Global (balanced), and Temáticas (thematic including USA+, Inmobiliario Internacional, Top Value España). Finizens Premium is a premium tier add-on for high-net-worth clients (€100K+) with enhanced service and lower fees. The platform provides automated portfolio management, risk profiling, daily monitoring, and automatic rebalancing, all accessible through web and mobile applications.

Differentiator

Problem solved

Functional benefit

Products and services

• Plan de Inversión (Investment Plan) Core investment plan offering globally diversified portfolios of index funds and ETFs with automatic rebalancing, risk profiling, and multiple strategy types (Monetario, Global, Temáticas). Designed for individual investors seeking systematic indexed investing for medium to long-term wealth building. Management fee: 0.14%–0.41% annually (VAT included) tiered by invested capital.
• Plan de Pensiones (Pension Plan) Individual pension plan (Plan de Pensiones) offering globally diversified index fund portfolios for retirement savings with tax advantages. Managed by Caser Pensiones and deposited at Cecabank. Fixed annual management fee of 0.40% (0.55% total estimated cost).
• Plan de Ahorro (Savings Plan) Unit-linked savings plan globally diversified through index funds and managed by Caser Seguros. Designed for medium to long-term savings objectives with life insurance wrapper. Annual management fee of 0.69% (0.80% total estimated cost).
• Plan de Niños (Children's Investment Plan) Indexed investment portfolio designed for children's future financial security. Globally diversified savings plan structured as a Caser Seguros life insurance product for long-term growth. Management fees comparable to Savings Plan category.
• Cartera Global (Global Portfolio) Core globally diversified portfolio combining equity and fixed income across multiple markets through low-cost index funds and ETFs. Designed for medium to long-term investors with various risk profiles (1–6) as the foundational allocation within the Investment Plan.
• Cartera Monetario (Money Market Portfolio) 100% money market strategy indexed to current interest rates (Euro Short Term Rate - ESTR) within the Investment Plan. Ideal for short-term liquidity and cash management, offering better returns than traditional bank accounts and deposits for retail investors and small businesses.
• Cartera 100% Renta Variable (100% Equity Portfolio) 100% equity portfolio for aggressive investors within the Investment Plan, designed to beat MSCI World and MSCI ACWI benchmarks through globally diversified index funds. Targets the highest risk profile (6/6) investors seeking maximum growth exposure.
• Cartera USA+ (USA+ Portfolio) Thematic portfolio within the Investment Plan providing diversified exposure to US and North American equities through S&P 500, MSCI USA, and MSCI North America indices. Designed as a satellite strategy for aggressive risk profile (6/6) investors seeking concentrated US equity exposure on top of a diversified base portfolio.
• Cartera Inmobiliario Internacional (International Real Estate Portfolio) Thematic portfolio within the Investment Plan offering globally diversified REIT exposure through index funds. Provides liquid, diversified access to international real estate markets without the operational burden of direct property ownership.
• Cartera Top Value España Thematic portfolio within the Investment Plan investing in Spanish value funds from independent managers including Azvalor and Magallanes. Designed for experienced investors seeking to optimize their Spanish equity allocation through active value strategies layered onto an indexed base.

Quantifiable outcome

• 61.5% accumulated return vs 22.5% market average since 2017
• +4 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability1 record

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• VanguardcoreTechnology or IntegrationLeading global fund provider whose index funds are included in Finizens portfolios. Finizens negotiates preferential institutional-plus class access for clients.
• iShares (BlackRock)coreTechnology or IntegrationGlobal ETF provider whose funds are included in Finizens portfolios with institutional-plus class access negotiated through Finizens' market position.
• AmundicoreTechnology or IntegrationMajor European asset manager providing index funds included in Finizens portfolios with preferential institutional-plus class access.
• Inversis BancocoreStrategic or Co-development PartnerBanking group (part of Banca March) providing custody and depositary services for Finizens Investment Plans. Maintains a solvency ratio of 35.62%, significantly above sector average.
• CecabankcoreStrategic or Co-development PartnerSpanish bank providing custody and depositary services for Finizens Pension Plans. Solvency ratio of 25.5%, above sector average.
• Caser SeguroscoreStrategic or Co-development PartnerInsurance group with 75+ years of experience and 2.3 million clients, part of international listed Helvetia group. Provides Savings Plans and Children's Plans as life insurance products. Finizens is Caser's exclusive digital distribution partner.
• MupitiminorStrategic or Co-development PartnerMutualidad de los Ingenieros Técnicos Industriales provides social protection and retirement solutions for engineering professionals with 25,000+ members since 1948.

Scale indicators14 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Myinvestor: Spanish digital wealth/investment platform (joint venture of Andbank, El Corte Inglés Seguros, AXA and others) offering indexed funds, pension plans and carteras gestionadas with comparable robo-advisor functionality.
• Nutmeg: UK-based robo-advisor (owned by JPMorgan) offering globally diversified portfolios, ISAs and pension products — direct peer in European retail digital wealth management with similar indexed-fund approach.
• Wealthfront: US pioneer robo-advisor offering diversified indexed portfolios, automated rebalancing, and direct indexing — the most globally recognized direct peer against which Finizens' indexed-wealth proposition is benchmarked.
• Scalable Capital: Leading pan-European digital wealth manager operating across Germany, Austria, Spain, Italy and the UK, providing broker and managed indexed portfolios to retail investors — directly comparable pan-EU peer.
• Moneyfarm: UK/Italian digital wealth manager offering indexed and actively managed portfolios, ISAs and pension products — comparable robo-advisor serving European retail investors with similar fee-based AUM model.
• Indexa Capital: Spain's largest robo-advisor by AuM, offering indexed multi-asset portfolios, pension plans and savings plans through a similar product-led digital model — the closest direct competitor to Finizens in the Spanish market.
• Betterment: US robo-advisor providing automated indexed portfolios, retirement accounts and tax-loss harvesting — comparable business model and product structure (indexed managed portfolios with low fees).

Broad incumbents

• Openbank: Santander Group's digital bank offering indexed investment portfolios and 'carteras gestionadas' alongside a full deposit and credit product set — a bank-backed incumbent moving into Finizens' core indexed-investing territory.
• Vanguard Personal Advisor: Global low-cost asset manager whose institutional-plus indexed funds are featured in Finizens portfolios; Vanguard's hybrid robo + advisor service is a comparable indexed-wealth offering at much larger scale.

Emerging players

• Trade Republic: European retail investment platform with growing managed-portfolio and savings-plan offerings alongside its core brokerage — emerging competitor encroaching on the low-cost retail indexed-investing niche across Europe, including Spain.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/finizens
• Facebookfacebook.com/finizens
• LinkedInlinkedin.com/company/finizens
• Instagraminstagram.com/finizens_

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds3 records

Investors2 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 Finizens