Upvest

Banks, neobanks, and fintechs building retail investment products across Europe have historically faced a hard choice: build regulated brokerage and custody infrastructure from scratch, or stitch together legacy providers that were never designed for API-first products. Upvest was built to close that gap. The company operates as a licensed investment firm in Germany, offering financial brokerage, proprietary trading for fractional shares, and securities custody through a single API that client firms embed directly into their own products.

Upvest’s client roster includes Revolut, N26, bunq, DKB, Zopa, and Raisin, which gives a clear picture of who the product is for: regulated financial institutions launching or expanding investment offerings at scale. The API covers the full transaction lifecycle:

• Account creation and KYC onboarding
• Order execution with best-execution routing
• Fractional share trading from 1 EUR
• Automated savings plans and roundup investing
• Custody management including tax reporting and corporate events

The current instrument universe covers 5,000 stocks, ETFs, and mutual funds, with a publicly stated roadmap toward 50,000 instruments including derivatives, commodities, and crypto assets.

For family offices or wealth managers considering Upvest as an infrastructure layer, the proposition depends on having internal or partner development resources to integrate and operate an API product. This is not a turnkey platform with a pre-built interface. Pricing is not disclosed publicly, and the firm’s documented client base skews toward consumer-facing fintechs and banks rather than institutional wealth managers or family offices specifically. Teams evaluating Upvest should assess whether the regulatory coverage under German WpIG licenses aligns with their own jurisdiction and whether their development capacity matches what API-first infrastructure requires.