Minveo
Minveo AG is a Munich-based BaFin-regulated Robo-Advisor offering AI-driven digital wealth management to European retail investors from a €50 minimum, plus a white-label B2B2C platform for financial advisors, wealth managers, and banks.
- Company typePrivate
- Founded2017
- HeadquartersMünchen, Germany
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Minveo does
Minveo AG is a Munich-based digital wealth manager (Robo-Advisor) regulated by BaFin under §15 of the German Securities Institutions Act (WpIG). The company serves German and European retail investors with a minimum investment of €50, alongside a B2B2C channel targeting financial advisors, wealth managers, and banks through white-label and co-branded offerings. Its core proposition is automated, AI-driven portfolio management that combines algorithmic risk monitoring with discretionary human investment strategy, addressing the cost gap between traditional wealth management (typically requiring €250,000+ minimums) and passive retail offerings.
The platform is built on a proprietary AI and Big Data infrastructure that processes up to 2 terabytes of data daily — including 90,000 financial articles, scientific publications, and 450,000 tweets per minute — and evaluates each of 910 individual stock positions daily against up to 23 indicators (price data, VaR, GDP, inflation, exchange rates). Self-learning algorithms monitor markets 24/7, dynamically adjust portfolios, and decouple cross-market correlations. The system supports 750+ investment strategies and is supplemented by the proprietary Minveo ONE Fund (enabling granular country-level positioning for sub-€150,000 portfolios), Minveo Green (ESG-screened sustainable investing), and a Children's Depot product.
Minveo monetizes via a tiered annual management fee (Minveo-Flat) of 0.60%–1.00% on assets under management, plus pass-through product costs of 0.10%–0.30%. All kickbacks and retrocessions are returned to clients. Distribution combines direct digital self-service onboarding (web, iOS, Android, ~20-minute PostIdent verification) with a partner portal (mypartner.minveo.de) for advisors and banks. Customer assets are custodied at DAB BNP Paribas, which executes trades and provides depot services under segregated client ownership.
Minveo firmographics
Firmographics- Name
- Minveo
- Legal name
- Minveo AG
- Website
- https://minveo.de
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Minveo AG is a Munich-based BaFin-regulated Robo-Advisor offering AI-driven digital wealth management to European retail investors from a €50 minimum, plus a white-label B2B2C platform for financial advisors, wealth managers, and banks.
- Ownership category
- akta.pro rank
Minveo industry classification
Industry- Product category
- Digital Wealth Management (Robo-Advisory)
- 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
- Alternatives & Multi-Asset Digital Wealth Platforms (PE/VC/Real Assets access) (FSAGAEAL), Managed Account / SMA Multi-Manager Platforms (FSANAGAL)
Keywords
Where Minveo is headquartered
LocationHeadquarters
- HQ city
- München
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Minveo business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Management Fee (Minveo-Flat): Tiered annual management fee ranging from 0.6% to 1.0% based on invested assets. Fee includes active risk monitoring, active management, regular rebalancing, all transaction and exchange fees, and depot custody at DAB BNP Paribas.
- Product Costs (Third-party Costs): Third-party costs for ETFs and funds (TER - Total Expense Ratio), which are passed through to customers. These costs also apply when investing independently. Minveo passes 100% of all kickbacks and retrocessions to customers as guaranteed in their terms and conditions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Investments up to €50,000: 0.75% p.a. Minveo-Flat plus product costs from 0.1% p.a. |
| Subscription | Annual | Investments from €50,001 to €500,000: Reduced Minveo-Flat rate |
| Subscription | Annual | Investments above €500,001: Lowest Minveo-Flat rate |
| Subscription | Annual | Children's Depot (Kinderdepot): 0.60% p.a. Minveo-Flat plus product costs from 0.10% p.a. |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Minveo product offering
Product offeringCore offering
Minveo provides digital wealth management (Robo-Advisory) services that combine human financial expertise with AI-powered active risk management to build, monitor, and dynamically rebalance individualized investment portfolios. The platform manages customer assets across ETFs, funds, individual stocks, bonds, and commodities using over 750 investment strategies tailored to risk profile, investment amount, and time horizon, with a minimum entry of €50. All customer securities are held in custody at DAB BNP Paribas, and Minveo additionally offers a white-label partner platform for financial advisors, wealth managers, and banks.
Product overview
Minveo is a digital wealth management platform (Robo-Advisor) operating as a financial portfolio manager under BaFin supervision. The core offering is the Minveo Digital Wealth Management platform, which combines human financial expertise with AI-powered active risk management. The platform manages individual portfolios using ETFs, funds, single stocks, bonds, and commodities across over 750 investment strategies. Key product variants include Minveo Green (ESG-focused sustainable investing), Minveo Kinder (children's investment accounts), and the Minveo ONE Fund (proprietary fund enabling granular portfolio management for smaller investment amounts). For institutional partners (banks, wealth managers, financial advisors), Minveo offers a white-label platform solution through partner.minveo.de. All customer assets are held in custody at DAB BNP Paribas.
Differentiator
Problem solved
Functional benefit
Brands
- Minveo Green: Sustainable investment option using ESG criteria for environmentally and socially conscious investors.
- Minveo ONE
Products and services
- Minveo Digital Wealth Management Core digital wealth management and Robo-Advisor service combining human financial expertise with AI-powered active risk management. Manages individual portfolios across ETFs, funds, and single stocks using over 750 investment strategies tailored to each customer's risk profile, investment amount, and time horizon, with a €50 minimum entry and full custody at DAB BNP Paribas.
- Minveo Green Sustainable investment option within the Minveo platform that invests exclusively in ESG-certified securities meeting EU Commission criteria for ecological, social, and ethical responsibility. Uses the same AI-driven investment approach as standard portfolios but filters the universe for sustainability-certified securities.
- Minveo Kinder (Children's Depot)
- Minveo ONE Fund Proprietary investment fund that bundles equity portions of customer portfolios, enabling more granular position management (up to 27 country layers such as China, India, Brazil, Indonesia, Poland, Thailand) even for portfolios smaller than €150,000. Fund fees are included in the Minveo-Flat so it is cost-neutral for customers, and it provides tax advantages as capital gains within the fund remain tax-neutral until withdrawal.
- Minveo Partner Platform White-label digital asset management platform for banks, wealth managers, and financial advisors. Enables partners to offer Minveo's AI technology, automated processes, 750+ investment strategies, and ongoing reporting and compliance under their own (or co-branded) identity via a dedicated partner portal.
Quantifiable outcome
- 50.33% total return since July 2017 (balanced strategy, all costs included)
- +5 more outcomes
Companies that use Minveo
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles3 records
Minveo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature5 records
Minveo partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- DAB BNP ParibascoreDAB BNP Paribas serves as Minveo's custody bank, holding all customer securities as special assets (Sondervermögen) under the customer's name. The bank provides depot services, executes securities transactions, and handles tax reporting. As one of Germany's largest depot banks with over 42,000 funds from 350+ asset management companies, DAB BNP Paribas enables Minveo's digital wealth management services.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
Minveo competitors and assessment
Company assessmentDirect peers
- Quirion: Berlin-based German Robo-Advisor offering scientific, factor-based portfolio management to retail investors. Closest head-to-head competitor in German Robo-Advisor comparisons (Capital, FondsConsult).
- Scalable Capital: Largest Munich-based German Robo-Advisor; offers self-directed brokerage and digital wealth management using similar ETF-and-quant methodology. Direct competitor in the German retail and white-label space.
- Oskar (oskar.de): Munich-based German Robo-Advisor focused on simple, low-cost ETF wealth management for retail investors. Direct competitor in the German Robo-Advisor ranking tables where Minveo consistently wins.
- Ginmon: Frankfurt-based German Robo-Advisor; uses quantitative ETF portfolios and is regularly tested against Minveo in Capital and FondsConsult benchmarks. Direct competitor in DACH retail wealth management.
- Visualvest (Volkswagen/DZ Bank): Frankfurt-based German Robo-Advisor affiliated with the DZ Bank / Volksbanken Raiffeisenbanken cooperative group; offers similar multi-strategy portfolios and is one of the largest by AUM in Germany. Directly comparable.
- Easyfolio: German Robo-Advisor offering ETF-based portfolio management for retail investors starting from small investment amounts. Comparable product positioning to Minveo's €50 minimum.
- Finvesto: Frankfurt-based German Robo-Advisor offering diversified ETF-based digital wealth management to German retail investors. Comparable in product offering and customer base.
- Whitebox: Stuttgart-based German Robo-Advisor applying quantitative, factor-based investment strategies. Regularly benchmarked against Minveo in independent Robo-Advisor studies.
Broad incumbents
- Solidarische Vermögensverwaltung / DWS WealthTech initiatives: DWS (Deutsche Bank subsidiary) operates large-scale digital wealth management offerings and competes across the broader retail and B2B white-label space in Germany; a broad incumbent threatening Minveo on scale and institutional distribution.
- MLP (MLP Finanzberatung + robo): Established German financial advisory and wealth management group with digital offerings; competes both on the retail wealth management side and as a potential B2B partner channel. Adjacent incumbent.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
Minveo social profiles
Digital presenceMinveo compliance and trust
Trust signalCompliance2 records
Minveo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Minveo leadership team
Management profileNumber of profiles
Profiles3 records
Minveo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Minveo 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 Minveo
What does Minveo do?
Minveo provides digital wealth management (Robo-Advisory) services that combine human financial expertise with AI-powered active risk management to build, monitor, and dynamically rebalance individualized investment portfolios. The platform manages customer assets across ETFs, funds, individual stocks, bonds, and commodities using over 750 investment strategies tailored to risk profile, investment amount, and time horizon, with a minimum entry of €50. All customer securities are held in custody at DAB BNP Paribas, and Minveo additionally offers a white-label partner platform for financial advisors, wealth managers, and banks.
Is Minveo a public or private company?
Minveo is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Minveo founded?
Minveo was founded in 2017. It employs 11 to 50 people.
Where is Minveo based?
Minveo is headquartered in München, Germany, in the Europe region.
How does Minveo make money?
Two revenue lines are on record. Management Fee (Minveo-Flat) is the primary driver. The others are product Costs (Third-party Costs).
Who are Minveo's main competitors?
Direct peers on record are Quirion, Scalable Capital, Oskar (oskar.de), Ginmon, Visualvest (Volkswagen/DZ Bank), Easyfolio, Finvesto and Whitebox. Broad incumbents are Solidarische Vermögensverwaltung / DWS WealthTech initiatives and MLP (MLP Finanzberatung + robo).
Does Minveo have an API?
No public API is recorded for Minveo.
What industry is Minveo in?
Minveo's product category is Digital Wealth Management (Robo-Advisory). Its primary akta.pro industry code is FSAAAAAD, Robo-Advisors & Digital Wealth Managers, with a secondary code of FSAGAEAL, Alternatives & Multi-Asset Digital Wealth Platforms (PE/VC/Real Assets access). Its NAICS code is 523940 and its SIC code is 6282.