Across Private Investments

What Across Private Investments does

Across Private Investments, o.c.p., a.s. is a Bratislava-headquartered, NBS-regulated securities dealer and wealth manager operating in Slovakia since 2002. The company serves two parallel client segments: (1) high-net-worth private clients via personal wealth managers across four Slovak city offices (Bratislava, Banská Bystrica, Košice, Žilina), with bespoke portfolios combining traditional and alternative investments (corporate bonds, structured certificates, private equity, real estate); and (2) mass-affluent retail clients via the Across Wealth digital platform (web and mobile app, launched February 2026), which enables self-service account opening in 10 minutes with a EUR 10 minimum and a single transparent 0.75% p.a. + VAT fee. The firm reported EUR 450+ million in assets under management across 2,500+ active clients as of mid-2026.

The company's revenue model blends recurring management/advisory fees on AUM, structuring and distribution margins on proprietary products (Dlhopis Across Hotels/Real Estate/Funding series, Across Wallet certificates), fees on the newly launched Smart Wallet Fund (€11.97M NAV reached within 10 weeks of March 2026 launch), and distribution partnerships with Vontobel (Swiss) for AX Vontobel structured certificates. The group operates as part of a multi-entity Across ecosystem (parent: Across Finance, a.s.) that includes sister companies Across Asset Management (fund products), Across Properties (real estate investments), Across Crowd (equity crowdfunding), and Across Digital (technology platform). Technology stack includes the Across Wealth app, the Across Connect client portal, third-party biometric KYC via iDenfy, and a sales-led plus self-serve distribution model supported by content marketing, PR coverage in TREND and Forbes Slovakia, and a four-branch physical advisory network.

Recent strategic activity is concentrated and offensive: a leadership refresh (new CEO Miroslav Boublík ex-McKinsey/PPF in 2024; CSO Marek Šupa from J&T/365.bank in 2024; Ján Jursa as CEO of Across Digital in 2025), a public digital platform launch (Across Wealth, Feb 2026), the Smart Wallet Fund (March 2026), and an announced Czech acquisition paired with new special-fund plans in Slovakia. The firm is privately held by founder Július Strapek via the holding company Across Finance, a.s., with no external private equity or venture capital signaled in the source materials.

Name

Across Private Investments

Legal name

Across Private Investments, o.c.p., a.s.

Website

https://across.sk

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Across Private Investments is a Bratislava-based, NBS-regulated Slovak wealth manager (founded 2002, EUR 450M+ AUM, 2,500+ clients) offering bespoke private wealth advisory across four cities and a digital investment platform, Across Wealth, for mass affluent retail.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Open-End Investment Funds (52591)

SIC

Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Affluent / Mass-Affluent Private Banking (FSABADAC)

akta.pro secondary industries

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Alternative Investments for Private Wealth (Hedge Funds, PE/VC Access, Private Credit) (FSAAABAI), High-Net-Worth & Private Wealth Digital Platforms (Digital Private Banking) (FSAGAEAI), Private Banking & UHNW Wealth Advisory (FSAEABAC)

Keywords

• Wealth management services
• Investment fund distribution
• Digital investment platform
• Private wealth advisory
• Securities dealing

Headquarters

HQ city

Bratislava

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Private wealth management fees: Ongoing management fees for customized investment portfolios. Primary fee structure includes a single periodic fee of 0.75% per year + VAT for digital platform services. Additional advisory and portfolio management fees apply for private clients.
2. Investment product distribution margins: Earns spreads and fees from structuring and distributing proprietary investment products including bonds, investment certificates, mutual funds, and private equity offerings to clients.
3. Fund management fees (Smart Wallet Fund): Across Asset Management earns management fees from the publicly offered Smart Wallet Fund (o.p.f.) which reached NAV of EUR 11.97 million by June 2026. Fund aims for returns exceeding standard bank deposit products.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Across Private Investments is a licensed Slovak securities dealer providing wealth management services through two complementary channels: the Across Wealth digital self-service platform (web and mobile, minimum EUR 10 investment, single 0.75% p.a. + VAT ongoing fee) for mass-affluent clients, and a private wealth management service for high-net-worth individuals delivered via personal wealth managers across four Slovak cities. The firm distributes a proprietary shelf of investment products including the Smart Wallet Fund mutual fund, index-based strategies co-developed with Swiss partner Vontobel, and a range of investment certificates and corporate bonds, while assets are held in segregated accounts under Národná banka Slovenska supervision.

Product overview

Across Private Investments operates as a financial group offering a multi-product investment platform encompassing digital and private wealth management services. The core offering includes Across Wealth (a digital investment platform accessible via web and mobile), Smart Wallet Fund (a short-term mutual fund), Smart Cash (a cash management feature), Across Stratégie (index-based strategies with Vontobel), and Privátne investovanie (private wealth management). The product portfolio also includes a diverse range of investment products such as corporate bonds (Dlhopis series), investment certificates (AX Vontobel Equity/Bond/Alternative Index, Across Wallet series), investment savings plans (Across Investičné Sporenie+), and private equity (Avanea Investment Holding). The platform serves both retail clients through the digital Across Wealth app (minimum investment from 10 EUR) and high-net-worth clients through private banking services, with investments managed on segregated accounts supervised by the National Bank of Slovakia.

Differentiator

Problem solved

Functional benefit

Brands

• Smart Cash: Cash management solution using Smart Wallet Fund with 3.75% expected annual return
• Smart Wallet Fund
• Across Stratégie
• Across Asset Management

Products and services

• Across Wealth Digital self-service investment platform accessible 24/7 via web and mobile application, enabling account opening within ~10 minutes and investment from EUR 10 across five professional investment strategies plus sector ETFs, with a single transparent 0.75% p.a. + VAT ongoing fee and no entry or exit charges, targeted at mass-affluent Slovak retail investors.
• Privátne investovanie (Private Wealth Management) Bespoke investment-portfolio service for high-net-worth private clients, combining traditional and alternative asset classes, managed by experienced portfolio managers with tax-optimisation overlay and ongoing portfolio review, delivered through four Slovak regional offices by personal wealth managers.
• Smart Wallet Fund (o.p.f.) Public special open-ended mutual fund (ISIN SK3000001824) targeting short-term capital management with an expected annual return of ~3.5–3.75%, risk score 2/7, minimum investment EUR 1, weekly issuance and redemption, and a 1-year recommended investment horizon, distributed across Slovakia.
• Smart Cash Cash-management product integrated with the Smart Wallet Fund, offering expected 3.75% annual yield, no entry/transfer/withdrawal fees, and weekly liquidity access for clients wanting to put idle cash to work while protecting it from inflation.
• Across Stratégie (Index Strategies with Vontobel) Suite of index-based investment strategies (conservative to dynamic) developed in partnership with Swiss firm Vontobel, providing diversified portfolios for Slovak investors within the Across Wealth platform and matching clients to risk profiles and investment horizons.
• AX Vontobel Equity Index (investment certificate) Investment certificate offering equity-market exposure with an expected annual return of 6.0–10.0%, 5-year investment horizon and risk score 5/7, distributed by Across under the Vontobel partnership.
• AX Vontobel Bond Index (investment certificate) Investment certificate providing bond-market exposure with an expected annual return of 3.0–5.0%, 5-year investment horizon and risk score 3/7, distributed by Across under the Vontobel partnership.
• AX Vontobel Alternative Index (investment certificate) Investment certificate offering exposure to alternative investments with an expected annual return of 7.0–10.0%, 5-year investment horizon and risk score 5/7, distributed by Across under the Vontobel partnership.
• Across Investičné Sporenie+ Long-term investment savings plan with an expected annual return of 9.5%, a 10-year investment horizon and risk score 5/7.
• Across Wallet 6M (investment certificate) Investment certificate with an expected annual return of 4.5%, a 6-month investment horizon, risk score 3/7, and maturity date 10 December 2027.
• Across Wallet 12M (investment certificate) Investment certificate with an expected annual return of 5.5%, a 1-year investment horizon, risk score 3/7, and maturity date 20 December 2027.
• Dlhopis AX US Tech Gold Protected Corporate bond with variable yield offering an expected annual return of 10.1%, a 4-year investment horizon, and maturity date 16 April 2030.
• Dlhopis Across Hotels 1 Zero-coupon corporate bond with an expected annual return of 6.5–7.0%, a 4-year investment horizon, and maturity date 8 October 2029.
• Dlhopis Across Hotels 2 Coupon corporate bond with an expected annual return of 7.5%, a 5-year investment horizon, and maturity date 17 November 2030.
• Dlhopis Across Real Estate 1 Zero-coupon corporate bond with an expected annual return of 6.0–7.0%, a 4-year investment horizon, and maturity date 25 June 2029.
• Dlhopis Across Funding XVII Coupon corporate bond with an expected annual return of 7.5%, a 5-year investment horizon, and maturity date 6 February 2031.
• Dlhopis Across Funding XVIII Zero-coupon corporate bond with an expected annual return of 6.5–7.0%, a 4-year investment horizon, and maturity date 4 March 2030.
• Dlhopis Across Funding XIX Zero-coupon corporate bond with an expected annual return of 7.0–7.5%, a 2-year investment horizon, and maturity date 10 March 2028.
• AX Healthcare 110 Protected Corporate bond with variable yield offering an expected annual return of 11.2%, a 3-year investment horizon, and maturity date 11 September 2028.
• AX European Leaders 100 Protected Corporate bond with variable yield offering an expected annual return of 10.0%, a 4-year investment horizon, and maturity date 23 February 2029.
• Avanea Investment Holding (private equity) Private-equity investment opportunity with an expected annual return of 25.0% and maximum risk score (7/7), targeted at sophisticated private clients seeking alternative-asset exposure distributed by Across.

Quantifiable outcome

• Smart Wallet Fund reached EUR 11.97 million NAV within 10 weeks of launch (March 2026)
• +4 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and supporting.

• Across Asset Management (sister company)coreOthers · 18 March 2026Across Asset Management, a.s. is the asset management arm of the group, creating investment funds including Smart Wallet Fund (o.p.f.). Across Private Investments distributes these products through its Across Wealth platform and private client network.
• Vontobel (Swiss investment firm)coreStrategic or Co-development PartnerPartnership with Swiss firm Vontobel for investment solutions. Across distributes Vontobel-structured investment certificates including AX Vontobel Equity Index, AX Vontobel Bond Index, and AX Vontobel Alternative Index. These certificates are key products in the investment offering, providing clients access to diversified global market exposure through structured solutions.
• UAB iDenfy (Lithuania)supportingTechnology or IntegrationProvides remote biometric identity verification technology (facial recognition) for client onboarding on the Across Connect digital platform. Enables Know Your Customer (KYC) compliance through real-time facial biometric comparison with identity documents, provided by UAB iDenfy, K.Baršausko g. 59, Kaunas, Lithuania.
• UniCredit Bank Czech Republic and SlovakiasupportingOthersServes as the depositary bank for the Smart Wallet Fund (o.p.f.), providing independent custody and control over fund assets, ensuring compliance with investment regulations. Additionally mentioned as the auditor/controlled entity relationship.
• CLA Slovakia s.r.o.supportingOthersIndependent auditor for the Smart Wallet Fund, providing annual audit of fund financial statements and operations.
• Across Crowd (crowdfunding platform)supportingOthersCrowdfunding investment platform (acrosscrowd.sk) enabling retail investors to participate in growth of local companies. The platform is operated by Across Crowd s.r.o. and provides access to early-stage investment opportunities as part of the broader group ecosystem.

Scale indicators8 records

Recent moves6 records

Expansion highlights7 records

Emerging players

• Finax: Slovak/Czech robo-advisor offering automated ETF portfolio management with low minimums and transparent fees. Closely comparable to Across Wealth's value proposition of low-cost, transparent, digital wealth management for the mass-affluent segment.
• Cresco (Slovak fintech): Slovak investment platform offering online access to ETFs, funds, and managed portfolios for retail and mass-affluent investors. Direct competitor to Across Wealth's digital-first offering in the Slovak market.

Others

• Vontobel: Swiss private banking and asset management firm that is Across's strategic partner for structured investment certificates. Not a direct competitor in Slovakia but a key product enabler whose AX Vontobel Equity/Bond/Alternative Index series are flagship offerings on the Across Wealth platform.
• Across Crowd: Sister-company crowdfunding platform offering equity investment in Slovak growth companies. Not a direct competitor but an extension of the Across investment ecosystem enabling retail access to private equity deals that complement the private wealth product range.
• Across Asset Management: Sister company within the Across Group managing investment funds including Smart Wallet Fund. Not a market competitor but an intra-group distribution partner whose fund-management capabilities directly enable Across Private Investments' product shelf.

Direct peers

• J&T Banka: Czech-Slovak private banking group with strong Central European wealth management franchise offering bespoke portfolios, alternative investments, and structured products. Comparable in alternative-investment orientation and HNW focus, and Across's CSO was previously Marketing Director at J&T Group.
• Privatbanka: Slovak private banking subsidiary dedicated to HNW and affluent clients, offering discretionary portfolio management, advisory, and investment funds. Directly comparable to Across's private wealth segment and operates in the same Slovak market with similar relationship-manager-led distribution.

Regional players

• 365.bank: Slovak digital-first bank that has been expanding into investment and savings products aimed at younger and mass-affluent clients. Comparable to Across's digital self-service strategy, particularly relevant given Across's CSO was previously CEO of 365.bank.

Broad incumbents

• Slovenská sporiteľňa (Private Banking): Major Slovak bank with an established private banking offering for affluent clients, including investment advisory, funds, and structured products. Competes for the same HNW client pool that Across addresses through its relationship-manager network.
• Tatra Banka (Private Banking): The largest Slovak bank with a dedicated private banking division serving affluent and HNW clients across the country. Comparable in target segment and product breadth but as part of a much larger full-service banking franchise; several of Across's wealth managers were previously employed here.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Across Private Investments