What Advice Online does

Advice Online AG is a privately-held, bootstrapped Swiss SaaS company headquartered in St. Gallen that provides digital advisory support software to FINMA-regulated financial institutions in Switzerland. Founded in 2013 by Christian Neff as the first SaaS solution for digital advisory support in the Swiss market, the company operates as an Aktiengesellschaft with no external investors and is led by a small core team of three named individuals. Its platform is purpose-built to address regulatory compliance under FIDLEG and MIFID II, internal control system (IKS) obligations, KYC/sanctions screening, portfolio management and the end-to-end advisory workflow for independent asset managers, banks, funds, real estate brokers and auditors.

The product architecture is anchored by the Advisory Suite, a CRM platform covering investing (Anlegen), financing (Finanzen), document management and audit-grade journaling, and is extended by three branded modules: VISU for portfolio consolidation and investment controlling, SENTINEL for internal control system management, and MERLIN for bank connectivity. Optional add-ons include a Multi-Simulator for strategy and allocation scenarios, Robo Anlegen/Finanzieren for hybrid/automated advisory, an Onboarding module and an embeddable Strategy Widget. Data is hosted exclusively in Switzerland under ISAE 3402 Type II (since 2015) and ISO 27001, 27701, 45001, 50001 and 22301 certifications, deliberately avoiding US Cloud Act exposure. KYC and screening are powered by an integrated Worldcheck (Refinitiv/Thomson Reuters) partnership.

The revenue model is purely recurring subscription. Advisory Suite is priced at CHF 185 per user per month (capped at 4 users for EAM, 20 for banks); add-on modules at CHF 400 per module per month; VISU at CHF 225–900 per month flat; and SENTINEL at CHF 50–200 per month depending on organization tier. The company has never raised prices since launch, citing simplicity and customer cost-efficiency as core positioning. Go-to-market is sales-led and direct to financial institutions in Switzerland (DACH region noted), supported by customer testimonials, industry events and direct engagement, with no channel partners or resellers. Named customers include B&M Wealth Management, Martellus Capital, PEMARO, NEUE BANK, Schaffhauser Vermögensverwaltung, Zürisee Investment/UVote and MIAVEST, many with 10+ year tenures. Aggregate platform metrics cite CHF 55 million in customer-covered assets, 65,000 CRM and portfolio records, 74,000 profilings and 53,000 documents managed. The founder also controls HYPOTEQ AG (founded 2021), an adjacent fintech entity.

Name

Advice Online

Legal name

Advice Online AG

Website

https://adviceonline.ch

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Advice Online AG is a Swiss SaaS company, founded in 2013 in St. Gallen, that provides digital advisory support and regulatory compliance software — CRM, portfolio management, internal control system and bank connectivity — to FINMA-regulated banks, asset managers, wealth managers and auditors in Switzerland on a per-user subscription basis.

Ownership category

akta.pro rank

Product category

Wealth Management Compliance Software

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Finance Services (6199)

akta.pro primary industry

Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE)

akta.pro secondary industries

Hybrid Robo-Advisory Platforms (Advisor + Automation) (FSAGAEAB), Digital Wealth Platforms for Advisors (TAMP/Advisor Tech) (FSAGAEAH)

Keywords

• Wealth management software
• Regulatory compliance software
• Portfolio management SaaS
• Internal control systems
• Advisory CRM platform

Headquarters

HQ city

Saint Gallen

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Advisory Suite Subscription: Core CRM and advisory module subscription charged per user monthly. Includes CRM, Anlegen (investing), Finanzieren (financing), and document archive modules. Maximum user caps apply for EAM (4 users) and Banks (20 users).
2. Module Licensing: Additional modules (Multi-Simulator, Robo Anlegen/Finanzieren, Onboarding, Strategy Widget) licensed per module monthly. Each licensed module can be integrated unlimited times.
3. VISU Subscription: Portfolio management and consolidation solution with flat monthly pricing. Different tiers for EAM (CHF 450, CHF 225 with manual import) and Banks (CHF 900).
4. SENTINEL Subscription: Internal control system (IKS) solution with tiered pricing based on organization size: EAM/SME (CHF 50), Municipalities/Schools (CHF 100), Banks/Large Firms (CHF 200).

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Advice Online AG sells a Swiss-hosted SaaS platform that provides digital advisory support for FINMA-regulated financial institutions. The platform combines a CRM (Advisory Suite) with portfolio management (VISU), an internal control system (SENTINEL), and bank connectivity (MERLIN), enabling wealth managers, banks, funds, and auditors to manage client relationships, regulatory compliance (FIDLEG/MIFID II), KYC/Worldcheck screening, portfolio consolidation, and audit trails.

Product overview

Advice Online provides a SaaS-based digital advisory support platform for the Swiss financial services market, comprising the Advisory Suite as the core CRM covering client management, investment controlling, financing, and document archiving, supplemented by three integrated modules: VISU for portfolio consolidation and investment control, SENTINEL for internal control systems (IKS), and MERLIN for bank connectivity. Additional optional modules include Multi-Simulator, Robo Advisory/Hybrid Advisory, Onboarding, and Strategy Widget.

Differentiator

Problem solved

Functional benefit

Brands

• SENTINEL: Internal control system (IKS) solution for risk and control inventory, audit tasks, reporting and time travel functionality.
• MERLIN

Products and services

• Advisory Suite Core CRM and advisory module enabling wealth managers, asset managers and banks to manage client relationships, investment advisory, financing, KYC/Worldcheck screening and document archiving, with audit-supported journal and white labelling.
• VISU Portfolio management and consolidation module providing bankable/non-bankable asset consolidation, IST/SOLL comparisons, restriction checks, K&E examination, depot extracts, drilldown visualisations, pre-trade simulations, cash management, order book and trade reconciliation.
• SENTINEL Internal control system (IKS) solution offering risk inventory, control inventory, automated/manual checks, trailing/mutation logging, reporting dashboards and risk scoring with color grading, designed for audit compliance.
• MERLIN Bank connectivity tool enabling visual configuration of bank connections with few clicks, automatic background data downloads and reliable data flow from financial institutions.
• Multi-Simulator Licensed add-on module providing multi-simulator capability for investment strategies, history and allocations, including investment and risk simulations, asset allocation scenarios and strategy IST/SOLL comparisons.
• Robo Anlegen / Robo Finanzieren Licensed add-on module enabling robotisable / hybrid advisory processes for investment (Anlegen) and financing (Finanzieren), including website simulator modules and investment strategy widgets for embedding on customer websites.
• Onboarding Licensed add-on module supporting client onboarding within the advisory process, available as a separately licensed module.
• Strategie-Widget Licensed add-on investment strategy module that can be embedded into the customer's own website.

Quantifiable outcome

• 55 million CHF in assets under management/customer coverage
• +4 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature8 records

Partnerships

Two partnerships are on record, tiered core.

• Hosting Provider (Swiss)coreOthers · 1 January 2015Hosting services with ISO certifications including ISO 27001, ISO 27701, ISO 45001, ISO 50001, and ISO 22301. All data stored exclusively in Switzerland with redundancy and encryption. Critical infrastructure partnership supporting compliance with FINMA requirements and DORA regulations.
• Worldcheck (Refinitiv/Thomson Reuters)coreTechnology or Integration · 1 January 2013Fully integrated KYC and screening solution. Includes initial scans, match/no-match flagging, daily monitoring for matched persons, and scan monitoring for non-matched individuals. Results displayed across dashboard, 360° customer view, and journal modules.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Temenos AG: Swiss-listed global banking software provider with wealth management, compliance, and digital channels serving banks worldwide. A broad incumbent that competes at the enterprise end of the same Swiss financial institution market as Advice Online.
• Finnova AG Bankware: One of the largest Swiss banking software providers, offering core banking, wealth management, and compliance modules to a wide range of Swiss banks. A broader incumbent with deeper functionality serving similar customer segments (Swiss banks and EAMs) as Advice Online.
• Avaloq (NTT Data): Swiss-origin wealth management and core banking platform now owned by NTT Data, serving large banks and wealth managers globally. A broad incumbent with overlapping advisory, portfolio management, and compliance functionality aimed at the same Swiss/EAM customer base.
• ERI Banca (Olympic Banking System): Swiss provider of core banking, wealth management, and compliance software, including private banking and asset management modules. A broader incumbent serving private banks and EAMs in Switzerland with overlapping portfolio management and compliance functionality.

Direct peers

• Additiv AG: Swiss-headquartered digital wealth management platform serving banks and asset managers with robo-advisory, client lifecycle management, and regulatory compliance tooling. Directly comparable to Advice Online as a DACH-focused wealthtech serving EAMs and banks with digitization and compliance capabilities.
• CREALOGIX: Swiss banking software provider offering digital banking, compliance, and wealth management solutions to financial institutions. Comparable to Advice Online in serving the Swiss financial services market with compliance and digital advisory tooling, though with a broader product portfolio.

Emerging players

• Profile Software (Atradius) wealth management: Provider of investment management and wealth management software for banks, asset managers, and family offices, with portfolio management and advisory compliance modules. Comparable to Advice Online in targeting wealth managers with integrated compliance and portfolio tooling.
• Decide (Swiss wealthtech): Swiss wealth management decision-support and analytics platform for asset managers and private banks. Comparable to Advice Online as a Swiss-focused wealthtech offering analytics and decision-support functionality to EAMs and banks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/advice-online-ag
• Xx.com/adviceonlineag
• Facebookfacebook.com/AdviceOnlineAG

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

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 Advice Online