Futuria

What Futuria does

Futuria is a Slovak fintech brand operated by SWELL Financial Group a.s., a privately held public limited company founded in 2018 and headquartered in Bratislava. The company operates as a licensed Independent Financial Agent (license number 259697, granted by the National Bank of Slovakia in 2021) across insurance and reinsurance, capital markets, deposit taking, credit provision, and pension savings. Futuria provides Slovak individual consumers and households with a unified platform covering three product verticals: mortgages (new mortgages, refinancing, and universal loans), savings and investments (retirement, housing, mortgage repayment, children's, car, and custom-goal savings), and insurance (life, travel, PZP, Kasko, property, and home). The underlying technology comprises an online product configurator with a 48-hour express offer guarantee, an automated CRM system that connects client requirements to certified financial experts, a mobile application for 24/7 contract access and insurance claims, and a proprietary 'Aktívna správa domácnosti' tool that continuously monitors client contracts against current market offerings.

The business model is an affiliate-referral / commission model. Services are provided free of charge to end customers; Futuria earns commissions from banks, insurance companies, and investment firms (including ČSOB) for referred customers. Distribution combines a self-serve digital layer (configurator and mobile app) with a hybrid sales layer of certified financial experts who negotiate bank terms on behalf of clients, and a physical branch network for in-person consultations. Marketing is multi-channel: the website and educational blog drive top-of-funnel, with social media (Facebook, Twitter, LinkedIn), email newsletter, and expert referrals supporting mid- and bottom-of-funnel conversion. Operational scale is small — 14 employees per the most recent headcount — with no disclosed funding rounds, no parent company, no M&A activity, and no disclosed revenue or ARR.

Name

Futuria

Legal name

SWELL Financial Group a.s.

Website

https://futuria.sk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Futuria is a Slovak fintech brand operated by SWELL Financial Group a.s., licensed by the National Bank of Slovakia, that offers Slovak households a free online platform combining mortgages, savings/investments, and insurance products, earning commissions from partner banks and insurers via its configurator, mobile app, and certified expert network.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Miscellaneous Intermediation (523910), Finance and Insurance (52)

SIC

Loan Brokers (6163), Insurance Agents, Brokers & Service (6411), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC)

Keywords

• Mortgage brokerage services
• Financial advisory services
• Insurance intermediation
• Savings products
• Household financial management

Headquarters

HQ city

Bratislava

HQ country

Slovakia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from Financial Institutions: Futuria operates as a licensed financial intermediary (Samostatný finančný agent) and earns commissions from banks, insurance companies, and investment companies for referring customers to their financial products. Services are provided free of charge to end customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Futuria is a licensed Slovak financial intermediary that connects individual consumers with banks, insurance companies, and investment companies to provide mortgages, savings/investment products, and insurance services. Services are delivered through an online product configurator, mobile application, certified financial experts, and a physical branch network, and are provided free of charge to customers while the company earns commissions from financial institutions for referred business. The proprietary "Aktívna správa domácnosti" (Active Household Management) tool continuously monitors clients' financial contracts against current market offerings.

Product overview

Futuria is a financial services platform operated by SWELL Financial Group a.s., offering a unified ecosystem of three core product categories: Hypotéka (mortgages including new mortgages, refinancing, and universal loans), Sporenie a investovanie (savings and investment products including retirement, housing, children's, car, and custom-goal savings), and Poistenie (insurance including life, travel, vehicle PZP, casco, property, and home insurance). The platform is complemented by the proprietary Aktívna správa domácnosti digital tool that continuously monitors financial contracts and compares them with market offerings, and a mobile application providing 24/7 contract access and online product purchasing. Futuria connects clients with certified financial experts who negotiate optimal conditions with financial institutions on their behalf, all delivered through an online configurator and physical branch network.

Differentiator

Problem solved

Functional benefit

Brands

• Aktívna správa domácnosti: A proprietary household financial management tool that monitors financial contracts, compares them with current market offerings, and provides personalized recommendations to optimize the client's financial situation.

Products and services

• Hypotéka (Mortgage)

Quantifiable outcome

• 48-hour express offer guarantee
• +6 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• ČSOB (Československá obchodná banka)coreChannel Partner/ Reseller/ DistributorČSOB is one of the financial institutions whose products (specifically ČSOB hypotéka účelová) are offered through Futuria's platform. Futuria acts as a financial intermediary, referring customers to ČSOB mortgage products and earning commissions. The company provides examples of ČSOB mortgage products with rates starting from 0.99% and facilitates the entire process for customers.
• PREMIUM Insurance company LimitedcoreChannel Partner/ Reseller/ DistributorFuturia's parent company SWELL Financial Group maintains professional liability insurance for damages related to financial intermediation activities with PREMIUM Insurance company Limited as the insurer (pobočka poisťovne z iného členského štátu).
• FairData Professionals a.s.minorImplementation/ SI/ Consulting PartnerFairData Professionals a.s. serves as the Data Protection Officer (zodpovedná osoba) for SWELL Financial Group, providing GDPR compliance services from their office in Prague, Czech Republic.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Pelikan: Slovak financial advisory group offering intermediation across banking, insurance and investment products. Comparable to Futuria in serving Slovak households via certified advisors with multi-product cross-sell.
• Partners Slovensko: Largest multi-tier financial advisory network in Slovakia offering mortgage, savings and insurance intermediation through a field force. Directly comparable to Futuria in target customer (Slovak households), product mix and commission-based revenue model.
• Broker Consulting Group: Slovak/Czech financial advisory and intermediation group arranging mortgages, insurance and investments through partner experts. Directly comparable to Futuria across product breadth, expert-led GTM and CEE footprint.
• Swiss Life Select Slovensko: Slovak arm of the Swiss Life Select financial advisory network distributing insurance, savings and investment products through certified advisors. Closely comparable to Futuria in intermediation role, product categories and reliance on commissioned expert advisors.
• OVB Allfinanz Slovensko: Slovak subsidiary of OVB Holding, one of Europe's largest structured financial advisor networks. Highly comparable business model — household-focused, multi-product, commission-based intermediation.

Broad incumbents

• Tatra banka: One of Slovakia's largest universal banks offering mortgages, savings and insurance directly. Competes with Futuria across the same product set, but as a vertically integrated incumbent rather than a neutral aggregator.
• Slovenská sporiteľňa: Largest Slovak bank by deposits and a top mortgage originator; offers household savings and insurance products directly. Broad incumbent peer whose direct offerings overlap with Futuria's intermediated products.
• ČSOB Slovakia: Major Slovak universal bank and Futuria's most prominent distribution partner; offers mortgages, savings and insurance directly. Functions both as an upstream product supplier and a competing direct channel.

Regional players

• Finmap.cz: Czech fintech aggregator providing financial product comparison and lead generation. Regionally adjacent peer with overlapping model in a neighboring CEE market — useful proxy for Futuria's potential geographic expansion.

Emerging players

• Bankometer.sk: Slovak financial product comparison platform aggregating bank and insurance offers. Compares to the online configurator component of Futuria's proposition, though it lacks the expert and branch layer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/futuriask

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Futuria