What fintego does

fintego is a German digital wealth management platform operating as a consumer brand of FNZ Bank SE (formerly European Bank for Financial Services GmbH / ebase®), itself part of the FNZ Group. The platform provides automated, algorithm-driven portfolio management for retail and business customers in Germany, built around ten standardized model ETF portfolios that span defensive to growth-oriented risk profiles, plus five ESG-aligned variants under the fintego green+ sub-brand. Underlying technology includes rule-based automated rebalancing triggered when asset class weights deviate more than ±15% from target allocation, a Quick-Check assessment questionnaire for strategy matching, and integrations for digital onboarding (IDnow / Deutsche Post video-ident) and mobile authentication (FNZsecure app powered by SealOne).

The core commercial product, fintego Managed Depot, is complemented by a corporate suite covering Betriebsvermögen (corporate treasury), Betriebliche Altersvorsorge (occupational pensions), and Arbeitszeit Depot (working time accounts), as well as an affiliated savings brand (finvesto) for Tagesgeld and Festgeld. fintego monetizes exclusively through a transparent all-in asset management fee (Anlageverwaltungsentgelt) charged semi-annually as a percentage of assets under management, with four published tiers: 0.90% p.a. (€2,500–€9,999), 0.70% p.a. (€10,000–€249,999), 0.60% p.a. (€250,000–€999,999), and 0.50% p.a. (€1M+). Distribution is exclusively digital — website, online banking portal (portal.fnz.de), and iOS/Android apps — with acquisition channels spanning SEO, Google/Microsoft paid search, affiliate networks (financeAds, netzeffekt/FinanceQuality, Adtraction), and YouTube. The parent FNZ Bank SE, supervised by BaFin and a member of the EdB statutory deposit scheme, reports €140 billion in assets under administration across 2+ million customers, of which fintego represents a sub-brand subset.

Name

fintego

Legal name

FNZ Bank SE

Website

https://fintego.de

Company type

Private

Founded year

2014

Operating status

Operating

Short description

fintego is a German robo advisor brand of FNZ Bank SE that provides automated, algorithmically rebalanced ETF portfolio management to retail and corporate customers via a digital-only channel, monetizing through a tiered AUM-based management fee.

Ownership category

akta.pro rank

Product category

Digital Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Finance Services (6199), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Robo-Advisors & Digital Wealth Managers (FSAAAAAD)

akta.pro secondary industries

Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI), Robo-Advice for Institutional/Treasury (OCIO-lite, Cash & Liquidity) (FSAGAEAJ)

Keywords

• Digital wealth management
• Robo advisory services
• Managed ETF portfolios
• Automated portfolio management
• Sustainable investment solutions

Headquarters

HQ city

Aschheim

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Asset Management Fees: fintego generates revenue through a volume-based investment management fee (Anlageverwaltungsentgelt) charged as a percentage of assets under management. This all-in fee covers portfolio management, rebalancing, and administration. The fee tier decreases as asset volume increases, incentivizing larger investments while maintaining accessibility for smaller investors.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

fintego is a digital robo advisor that provides automated, managed ETF portfolios to German retail and business customers. It operates as a brand of FNZ Bank SE (part of the FNZ Group) and offers algorithm-driven portfolio management with automated rebalancing when asset classes deviate by more than ±15% from target allocations. The platform serves both individual investors through its core Managed Depot and sustainable (ESG) offerings, and businesses through corporate asset management, occupational pension solutions, and working time account administration.

Product overview

fintego is a digital Robo Advisor and automated investment platform offering managed ETF portfolios. The core offering consists of fintego Managed Depot and fintego green+, providing ten standardized model portfolios for long-term wealth building. Classic strategies include defensive, conservative, balanced, growth, and aggressive risk profiles, while sustainable strategies follow ESG criteria. For businesses, fintego offers Betriebsvermögen (corporate assets), Betriebliche Altersvorsorge (occupational pensions), and Arbeitszeit Depot (working time accounts). The platform is built on FNZ Bank infrastructure, with FNZsecure App providing mobile authentication. Account opening integrates Video-Ident via IDnow or Deutsche Post, and savings products (Tagesgeld/Festgeld) are available through affiliated brand finvesto.

Differentiator

Problem solved

Functional benefit

Products and services

• fintego Managed Depot Automated digital investment service providing managed, broadly diversified ETF portfolios. The robo advisor manages investment portfolios on behalf of clients, with automatic rebalancing when asset classes deviate by +/- 15% from target allocation. Offered to German private individuals seeking long-term wealth building.
• fintego green+ Sustainable investment offering using ESG-focused ETF portfolios that consider environmental, social, and governance criteria. Complements the classic fintego offering with sustainability-focused investment strategies for environmentally and socially conscious investors.
• fintego Business (Betriebsvermögen) Managed investment solutions for corporate assets, allowing companies to have their wealth professionally managed using automated ETF portfolios. Targeted at companies seeking efficient corporate asset management.
• Betriebliche Altersvorsorge (bAV) Occupational pension solutions for companies to offer employees attractive retirement planning options through the fintego platform. Targeted at HR decision-makers and company benefits administrators.
• Arbeitszeit Depot (Zeitwertkonten) Flexible implementation of working time accounts (Arbeitszeitkonto), allowing companies to manage employee time credits through the depot system. Targeted at companies offering flexible working time arrangements.
• Tagesgeld und Festgeld (via finvesto) Savings products offered through affiliated brand finvesto, including flexible daily savings accounts (Tagesgeld) with attractive interest rates and fixed-term deposits (Festgeld) with guaranteed rates. Targeted at private individuals and businesses seeking liquid or fixed-term savings.

Quantifiable outcome

• Automated rebalancing when asset class deviates ±15% from target allocation
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration18 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• IDnow GmbHcoreTechnology or IntegrationVideo identification service provider enabling fully digital account opening. IDnow's BaFin-approved video-ident procedure allows customers to verify their identity online via secure video chat without visiting a branch.
• SealOnecoreTechnology or IntegrationSecurity technology partner providing hardware-based transaction authentication devices. The SealOne device uses hardware-protected digital signatures for secure online banking access. SealOne-ID technology also powers the FNZsecure mobile app.
• financeAds GmbH & Co. KGminorChannel Partner/ Reseller/ DistributorAffiliate marketing network for performance-based customer acquisition. Uses session cookies to track and attribute customer referrals with 30-day attribution windows.
• netzeffekt GmbH (FinanceQuality)minorChannel Partner/ Reseller/ DistributorAffiliate partner program for measuring referral conversions from partner websites. Session cookies track attribution with 30-day validity.
• Adtraction ABminorChannel Partner/ Reseller/ DistributorAffiliate marketing platform for partner-based customer acquisition. Tracks referral conversions over 30-day attribution periods.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Wealthfront: US-headquartered digital wealth manager offering algorithmically managed ETF portfolios — a product and business-model peer used for international benchmarking, though serving a different geography.
• Ginmon: Frankfurt-based robo advisor providing automated ETF portfolio management to German retail investors, with comparable pricing model and digital onboarding.
• Visualvest: Deka Bank-owned German robo advisor offering managed ETF portfolios to retail investors; competes with fintego in the same automated-wealth-management category with similar fee structures.
• Scalable Capital: Munich-based digital wealth manager and broker offering managed ETF portfolios (Scalable Wealth) alongside a low-cost brokerage product — the most direct German competitor to fintego across both advisory and self-directed channels.
• Quirion: One of Germany's earliest robo advisors, providing algorithmically managed ETF portfolios with transparent fees — directly comparable in product design, target audience, and regulatory positioning to fintego.

Regional players

• Moneyfarm: UK-founded but active in Europe (including Germany-adjacent markets) with managed ETF portfolios; a regional peer offering comparable automated wealth management with overlapping product design.

Broad incumbents

• Trade Republic: Germany's largest neobroker, offering commission-free ETF savings plans that overlap with fintego's savings-plan entry point and pressure the broader managed-wealth fee band.
• Deka Bank: German savings-bank-aligned asset manager and parent of Visualvest, providing a broad wealth-management platform that competes indirectly with fintego across retail investment and ESG product lines.
• Oskar (by Deutsche Bank): Deutsche Bank's digital investment offering for children and families, combining savings plans with managed ETF exposure — a broader-incumbent peer leveraging a major German bank's distribution.

Emerging players

• Liqid: Berlin-based digital private bank serving mass-affluent and high-net-worth clients with managed portfolios — an adjacent digital wealth manager targeting the upper tiers of fintego's mass-affluent customer base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCq7nxzaWf9Rysr6QiUKa-Jg
• Xx.com/fintego

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

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 fintego