inbestMe
inbestMe is a CNMV-regulated Spanish robo-advisor (Barcelona) offering automated, low-cost portfolio management via index funds, ETFs, pension plans, savings, and target portfolios for Spanish retail savers and mass-affluent investors from €1,000.
- Company typePrivate
- Founded2017
- HeadquartersBarcelona, Spain
- Headcount11–50
- GTM typeB2C
- OfferingServices
What inbestMe does
inbestMe (legal entity INBESTME EUROPE AGENCIA DE VALORES, S.A.) is a CNMV-regulated Spanish securities agency headquartered in Barcelona that operates a robo-advisor platform providing automated, algorithm-driven discretionary portfolio management. The company was founded in 2017 and targets primarily Spanish retail savers and mass-affluent individuals, with a €1,000 minimum entry ticket; additional segments include families (Cuenta Kids, K Portfolios) and HNW clients above €100,000 served by the inbestMe Plus premium tier. The platform combines Modern Portfolio Theory-based allocation, continuous rebalancing, a structured investor-suitability test, PSD2/Open Banking connectivity, and trade execution delegated to Interactive Brokers, with native iOS and Android apps and 100% online onboarding. Products span Savings Portfolios (EUR/USD), Target Portfolios (EUR/USD with 2027/2029/2031 maturity variants), Standard and SRI/ISR Index Funds, Standard/SRI/Value ETF portfolios, Standard and SRI Pension Plans, Conservative and Aggressive bond portfolios, and youth/minor accounts, supported by advisory tools (Fund Comparator, Goal Forecaster, Financial Guidance).
The business model is AUM-based: inbestMe earns recurring management fees calculated on assets under management, published as a CNMV-filed maximum-fees prospectus and disclosed in the Client Agreement, and claims costs at least 70% lower than traditional Spanish offerings. Distribution is predominantly direct-to-consumer / product-led through the investor.inbestme.com web app, mobile apps, and a free public simulator, with an additional influencer/affiliate collaborator program, sustained Spanish financial-press PR, content marketing (blog, FAQ, guides), and Trustpilot social proof. The company has raised approximately $5.86M cumulatively across five disclosed rounds since 2019 (notably GVC Gaesco 2019, Mutual Médica 2020, and Crowdcube rounds in 2022 and 2023), holds a five-member Board of Directors including institutional investors Tech & Health Investment SLU and Mutual Médica, and is led by founder/CEO Jordi Mercader with a CFO, CTO, CMO and Data Scientist on the management team.
inbestMe firmographics
Firmographics- Name
- inbestMe
- Legal name
- INBESTME EUROPE AGENCIA DE VALORES, S.A.
- Website
- https://inbestme.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- inbestMe is a CNMV-regulated Spanish robo-advisor (Barcelona) offering automated, low-cost portfolio management via index funds, ETFs, pension plans, savings, and target portfolios for Spanish retail savers and mass-affluent investors from €1,000.
- Ownership category
- akta.pro rank
inbestMe industry classification
Industry- Product category
- Robo Advisory
- NAICS
- Portfolio Management and Investment Advice (523940), Securities and Commodity Contracts Intermediation and Brokerage (5231)
- SIC
- Security Brokers, Dealers & Flotation Companies (6211), Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Investment Advice (6282)
- akta.pro primary industry
- Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM)
- akta.pro secondary industry
- Execution-Only / Self-Directed Investing Platforms (FSAAAAAI)
Keywords
Where inbestMe is headquartered
LocationHeadquarters
- HQ city
- Barcelona
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
inbestMe business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Discretionary portfolio management fees (AUM-based): Recurring revenue earned as a percentage of assets under management for discretionary portfolio management of index funds, ETFs, pension plans, savings portfolios and fixed-income (bond) portfolios. Fees are detailed in the Client Agreement and a "Costes" page on the website, and an asset-weighted maximum-fees prospectus is filed with the CNMV.
- Partner/influencer collaboration program revenue share: Affiliation-style revenue share with finance influencers, bloggers and YouTubers who promote inbestMe via personalized referral links.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Asset-under-management (AUM) fee, customized per client and portfolio plan, subject to CNMV-approved maximum fees. |
| Other | Pay-as-you-go | Minimum entry ticket of 1,000€ for Savings Portfolio EUR and Standard Index Funds SRI (no minimums above for ongoing contributions). |
Go-to-market motion4 records
Distribution channels4 records
Marketing channels11 records
inbestMe product offering
Product offeringCore offering
inbestMe is a CNMV-regulated Spanish robo-advisor that provides fully automated, algorithm-driven discretionary portfolio management for retail investors. Clients open accounts online from €1,000 and access globally diversified portfolios built from index funds, ETFs, pension plans, fixed-income bond portfolios, and goal/savings portfolios, with continuous rebalancing and trade execution routed through Interactive Brokers.
Product overview
inbestMe is a Spanish robo advisor (CNMV-registered securities agency, registration nº 272) operating as a single integrated platform offering globally diversified, automated portfolio management across multiple asset classes. The platform's core offering comprises automated portfolio management built on index funds, ETFs and pension plans, delivered through both a web platform and native iOS/Android apps. The product mix includes: Savings Portfolios (EUR and USD), Target Portfolios (EUR and USD, including 2027/2029/2031 maturity variants), Standard and SRI Index Funds, Standard, SRI and Value ETF portfolios, Standard and SRI Pension Plans, Conservative and Aggressive Bond portfolios, a Kids Account, K Portfolios for younger investors, and the premium inbestMe Plus tier for personalization above €100,000. The platform is complemented by advisory tools - Financial Guidance, Fund Comparator and Goal Forecaster - and a content suite (Blog, FAQ, Guides and Resources). All inbestMe portfolios are managed on autopilot using algorithm-driven allocation and periodic rebalancing; trade execution is delegated to Interactive Brokers as the external broker.
Differentiator
Problem solved
Functional benefit
Brands
- inbestMe Plus: Premium inbestMe offering for investors (referenced under the Invest menu).
- inbestMe GO
Products and services
- Savings Portfolio EUR (Cartera Ahorro EUR) Short-term euro savings portfolio designed to grow client savings at the pace of ECB interest rates (TIR 1.85% as of June 2026). Contractable from €1,000 with no term or penalties; aimed at Spanish retail savers seeking liquid, low-risk yield.
- Savings Portfolio USD (Cartera Ahorro USD) Short-term US-dollar savings portfolio designed to grow client savings at the pace of Federal Reserve interest rates (TIR 3.25% as of mid-2026). Aimed at retail savers seeking USD-denominated liquid yield.
- Target Portfolio EUR (Cartera Objetivo EUR) Euro-denominated portfolio that targets a pre-defined accumulated return over a fixed horizon, sharing the investor's target return as its objective. Recent launches include 2027, 2029 and 2031 maturity variants with up to 21% target accumulated return.
- Target Portfolio USD (Cartera Objetivo USD) US-dollar-denominated portfolio that targets a pre-defined accumulated return over a fixed horizon, sharing the investor's target return as its objective. Aimed at retail clients seeking USD-denominated goal-based returns.
- Standard Index Funds (Fondos Indexados Estándar) Globally diversified long-term portfolio of low-cost index funds offered as inbestMe's classic passive-investment product. Expected TAEs of 3% to 7%; minimum from €1,000; targeted at Spanish retail investors seeking low-cost long-term passive investing.
- SRI Index Funds (Fondos Indexados ISR) Sustainable (Socially Responsible Investment) variant of the index funds portfolio, adding ESG/sustainability bias while maintaining low costs. Available from €1,000.
- Standard ETF (ETF Estándar) Globally diversified ETF portfolio following inbestMe's strategy with passive instruments selected for diversification, transparency and low cost. inbestMe was launched originally as an exclusive ETF manager.
- SRI ETF (ETF ISR) ETF portfolio with socially responsible investment (sustainable) bias, applying ESG screening while maintaining the diversification, transparency and low-cost characteristics of ETF investing.
- ETF Value (ETF Valor) Value-style ETF portfolio marketed by inbestMe as a 'smart Value investment plan', applying the value investing strategy through passive ETFs. Targeted at retail investors seeking a value-tilted passive strategy.
- Standard Pension Plans (Planes de Pensiones Estándar) Indexed pension plan for retirement preparation, eligible for tax deductions on contributions. Expected TAEs similar to other index-fund portfolios (3% to 7%) and evolves with the client's age and needs. Targeted at Spanish retail investors preparing for retirement.
- SRI Pension Plans (Planes de Pensiones ISR) Sustainable/responsible pension plan variant, launched by inbestMe as the first sustainable indexed pension plans in Spain. Targeted at Spanish retail investors seeking ESG-aligned retirement savings with tax-deductible contributions.
- Conservative Bonds (Bonos Prudente) 100% Fixed Income / Bonds portfolio with maturities under 2 years, targeting the more conservative investor profile and interest-rate-aware retail clients.
- Aggressive Bonds (Bonos Atrevida) 100% Fixed Income / Bonds portfolio with maturities over 5 years, taking on more interest-rate risk for higher long-term return. Aimed at retail investors with a longer horizon and higher risk tolerance.
- Kids Account (Cuenta Kids) Investment account targeted at minors, allowing parents to invest on behalf of their children via inbestMe's automated portfolios. Supports long-term savings for minors and financial education.
- K Portfolios (Carteras K) inbestMe portfolio offering targeted at younger investors, listed alongside the Kids Account as a separate menu entry on the navigation. Designed to stimulate long-term saving habits and financial culture among youth.
Quantifiable outcome
- Costs at least 70% lower than traditional banking/asset-management services
- +4 more outcomes
Companies that use inbestMe
Customer profileSegments4 records
Ideal customer profiles4 records
inbestMe technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability1 record
Feature8 records
inbestMe partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core / flagship and minor.
- Interactive Brokers (IB)core / flagshipInteractive Brokers is inbestMe's external broker for trade execution. inbestMe selected IB for its qualities recognized by Barrons. Clients must open and feel comfortable with an IB-linked account, and inbestMe typically uses limit orders through IB to avoid undesired fill prices.
- AllFundsminorAllFunds is shown as a partner logo/link in the inbestMe website footer (allfunds.com), indicating it is part of inbestMe's B2B fund-platform ecosystem used to access or distribute investment funds.
- GVC GaescominorGVC Gaesco (gvcgaesco.es) is shown as a partner logo/link in the inbestMe website footer, suggesting it is a Spanish broker/dealer counterparty within inbestMe's distribution and execution ecosystem.
- TaxDownminorTaxDown (taxdown.es) is linked from the inbestMe homepage footer via a partner landing page (taxdown.es/landings-partners/inbestme), indicating a GTM/referral marketing alliance with a Spanish tax-administration service.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
inbestMe competitors and assessment
Company assessmentBroad incumbents
- Nutmeg: JPMorgan-owned UK robo-advisor offering automated ETF portfolios and pension wrappers. Competes in automated portfolio management at a much larger scale; relevant as a benchmark for what scaled robo-advisory looks like inside a major bank's distribution.
- Openbank: Santander's 100%-owned digital bank offering automated investment portfolios (Open Wealth / 'Carteras Indexadas') alongside a full current-account, mortgage and brokerage suite. Competes in automated portfolio management but as part of a much broader banking proposition.
- EVO Banco: Spanish digital bank (currently being integrated into Bankinter) offering automated investment portfolios alongside current accounts and mortgages. Competes in automated portfolio management but as part of a broader incumbent banking proposition.
Direct peers
- Moneyfarm: UK-founded robo-advisor with Spanish/Italian operations offering automated ETF portfolios with human-advisor hybrid tiers. Directly comparable business model, product architecture and target customer; one of the most relevant cross-border competitors in Spain.
- Finizens: Spanish robo-advisor focused on automated index-fund and pension-plan portfolios with low-cost fee structure. Direct competitor in the same Spanish retail/mass-affluent segment with overlapping pension-plan and index-fund products.
- MyInvestor: Spanish neobank (backed by El Corte Inglés Seguros, AXA, Andbank and others) offering automated index-fund portfolios, pension plans and ETFs in a self-serve app. Targets the same Spanish retail/mass-affluent customer with similar product breadth and digital onboarding.
- Scalable Capital: Munich-based robo-advisor with active expansion into Spain, offering automated ETF portfolio management with a self-serve broker+SaaS hybrid model. Comparable product set (ETF-based automated portfolios) and direct overlap in the Spanish retail investor segment.
- Indexa Capital: Spain's largest independent robo-advisor, offering automated index-fund portfolio management with similar low-cost, B2C, self-serve onboarding model. Direct competitor for the same Spanish retail and mass-affluent investor segment with overlapping index-fund and pension-plan product suites.
Emerging players
- Wealthsimple: Canadian robo-advisor expanding into the UK/EU, offering automated ETF portfolios with SRI variants and goal-based accounts. Comparable product architecture (low-cost ETF portfolios, SRI options, multi-account goals) and useful benchmark for product roadmap.
Others
- Interactive Brokers: inbestMe's core execution broker and strategic infrastructure partner (used for all client trade execution). Not a direct competitor to end-clients but a critical ecosystem dependency and a useful benchmark for self-directed European retail investing platforms.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
inbestMe social profiles
Digital presenceinbestMe compliance and trust
Trust signalCompliance3 records
inbestMe financial estimates
Financial estimateRevenue estimate
Valuation estimate
inbestMe leadership team
Management profileNumber of profiles
Profiles13 records
inbestMe funding detail
Funding detailFunding overview
Funding rounds5 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
inbestMe 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 inbestMe
What does inbestMe do?
inbestMe is a CNMV-regulated Spanish robo-advisor that provides fully automated, algorithm-driven discretionary portfolio management for retail investors. Clients open accounts online from €1,000 and access globally diversified portfolios built from index funds, ETFs, pension plans, fixed-income bond portfolios, and goal/savings portfolios, with continuous rebalancing and trade execution routed through Interactive Brokers.
Is inbestMe a public or private company?
inbestMe is a private company. It is classified as venture growth investor backed and is currently operating.
When was inbestMe founded?
inbestMe was founded in 2017. It employs 11 to 50 people.
Where is inbestMe based?
inbestMe is headquartered in Barcelona, Spain, in the Europe region.
How does inbestMe make money?
Two revenue lines are on record. Discretionary portfolio management fees (AUM-based) is the primary driver. The others are partner/influencer collaboration program revenue share.
Who are inbestMe's main competitors?
Broad incumbents on record are Nutmeg, Openbank and EVO Banco. Direct peers are Moneyfarm, Finizens, MyInvestor, Scalable Capital and Indexa Capital. Wealthsimple is listed as an emerging player. Interactive Brokers is listed as an others.
Does inbestMe have an API?
No public API is recorded for inbestMe.
What industry is inbestMe in?
inbestMe's product category is Robo Advisory. Its primary akta.pro industry code is FSAAABAM, Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs), with a secondary code of FSAAAAAI, Execution-Only / Self-Directed Investing Platforms. Its NAICS code is 523940 and its SIC code is 6211.