Intelligent Wallet

A solution to appreciate short-term savings that you'll need in the upcoming years.

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what is the Wallet?

Regular bank and savings accounts won't protect your money from inflation and will only earn you a fraction of the current market interest rates. The Intelligent Wallet is a conservative investment solution for savings that you'll need in 1 to 3 years.


Attractive returns


Low fee of 0.5% p.a.


Conservative saving


Short horizon


Minimized risk


Weekly liquidity

When to Use the Wallet?

Essentially, whenever you know you don't need the money now but plan to use it in one to three years. Planning a wedding or major renovation? Preparing reserves for the birth of a child or replacing appliances? Are you about to buy a property or just want to have some money in reserve? In our blog, we've outlined 10 cases when you should not let your savings lie around in the bank.

Spread of risk

Bonds and the money market

This is not a bank deposit product or a fixed-interest instrument. The Wallet is a conservative investment solution, so its value fluctuates slightly too. The portfolio is broadly diversified and composed of several safe asset classes to collectively deliver a small but more stable return.

Attractive returns

Protect your money

Thanks to rising interest rates, even companies or governments now have to pay extra to borrow. The safest bonds pay out attractive yields above bank interest rates. The Intelligent Wallet makes these instruments available to you with no strings attached or additional conditions to meet.

Past returns do not guarantee future returns

I want the Wallet

Low fee

Only 0.5% p.a.

Simple things work best. That's why the Wallet has just one single fee, a portfolio management fee of 0.5% p.a. including VAT. In addition, the Wallet is structured to make the proceeds from it tax-free for Slovak tax residents after 1 year of holding.

The bogeyman called inflation

Inflation manifests itself in the rising prices of goods and services. If you want to avoid its effects, don't leave your short-term savings in your current account, as their purchasing power will decline before you need them. Each year, Slovaks lose at least 480 million euros in the banks this way. Read about our Wallet, which enables you to appreciate your savings with risk kept to a minimum, preventing inflation from taking sizable bites out of them.


The return of the age of bonds

It wasn't that long ago when the central bank kept interest rates below zero, making it impossible to appreciate savings in the traditionally popular bond and money market. However, the situation has turned around. Thanks to rising interest rates, many bonds currently offer the highest yields in more than a decade. The instruments in the Wallet have been selected to keep portfolio volatility low even in the event of negative market developments or interest rate changes. Don't let elevated rates be only a burden and utilize the opportunity they present.

Investing always involves risk associated with the development of financial markets. For details on the risks involved in investing, see this blog.

Appreciate even short-term savings

With the largest digital asset manager in Central Europe

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Look at our blogs, podcasts, webinars

Intelligent Wallet – A Product for Short-term Investment

14. July 2021

Intelligent Wallet – A Product for Short-term Investment

Read more
High Inflation – How to Protect Money and Wealth? |

15. June 2022

High Inflation – How to Protect Money and Wealth?

Read more
10 cases when you should not leave your savings lie in the bank |

09. November 2021

10 cases when you should not leave your savings lie in the bank

Read more
I want to invest. How to set up my investment correctly? |

13. January 2022

I want to invest. How to set up my investment correctly?

Read more
Want to know more? Attend our webinars! |

02. July 2020

Want to know more? Meet us online or attend our webinars!

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31. March 2023

Free Finax account - how to get it?

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29. March 2018

Why Do We Rebalance Our Portfolios?

Read more

07. July 2023

Do Not Try to Time the Markets, You Will Earn Less

Read more

08. April 2018

Intelligent Investing Is Here!

Read more


Opening an account with Finax is simple and fully online. Just click on "Let's start" in the top menu bar. From there, you will be taken to the registration page where you can choose your investment goal and answer a few questions about your investment preferences and risk profile. Based on your answers, we'll select a suitable investment strategy for you. Next, you'll create your online access, verify your identity using biometrics, provide personal information, confirm your contact details, and sign the portfolio management agreement online. Once you've completed these steps, nothing will hold you back from effectively growing your wealth. More information.

Finax was established by Juraj Hrbatý, a seasoned financier with 16 years of experience, and Radoslav Kasík, who brings 9 years of experience as a portfolio manager. The company's management team also includes Ján Jursa, Ján Tonka, Michal Vaculik, and Juraj Šnirc, each with extensive backgrounds in various departments of banks, securities traders, and asset management companies. More information about the Finax team.

Finax charges a portfolio management fee of 1% per annum plus VAT, calculated based on the average account value throughout the year and deducted monthly. If the volume of the client's assets managed by Finax reaches at least 100,000 euros, this fee will be reduced to 0.85% per annum plus VAT. For further details on Finax service fees, please refer to our Price List.

Check the ongoing promotions to obtain an even higher discount.

At Finax, we provide various discounts to make your investments with us even more profitable. Alongside regular special offers, we offer several permanent discounts that allow you to exempt a part of your assets from the portfolio management fee: discount for inviting a friend and for transferring investments to Finax from competitors.

All frequently asked questions

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Tax treatment depends on each client's individual circumstances and may change in the future.

We are happy to advise you!
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