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!

Read more

31. March 2023

Free Finax account - how to get it?

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

21. August 2018

How Do We Choose Our ETFs?

Read more


You can open an account in Finax simply and conveniently online. Click on Let’s start on the top menu bar. You will get to the registration, in which you can select the goal of the investing (product) and answer a few questions about the intended investment and your profile, based on which we will choose a suitable investment strategy for you. You will then create online access, biometrically verify your identity, provide personal information, verify contact details, and sign a portfolio management agreement online. Afterward, nothing will be stopping you from building your wealth effectively. More information.

Finax was founded by Juraj Hrbatý, a seasoned financier with 16 years of experience, together with Radoslav Kasík, who previously worked as a portfolio manager for 9 years. The company's management is completed with Ján Jursa, Ján Tonka, Michal Vaculik and Juraj Šnirc with extensive experience from various departments of banks, securities traders, and asset management companies. More information about the Finax team.

Finax charges a portfolio management fee of 1% p.a. + VAT on the average account value during the year, deducted on a monthly basis. When the volume of client assets under management with Finax is at least EUR 100 thousand, this fee is reduced to 0.85% p.a. + VAT. For more information on the fee structure of Finax services, please refer to the Price list of services.

Check the ongoing promotions to obtain an even higher discount.

Finax offers several discounts, thanks to which you can make your investment with us even more profitable. We regularly bring clients various special offers, but we also provide several permanent discounts, thanks to which you can exempt part of your assets from the portfolio management fee: discount for inviting a friend or discount for transferring investment to Finax from the competition.

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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