Don't work for money. Money should work for you.

Tatra Asset ManagementSalmann Investment ManagementArts Asset ManagementTatra Asset ManagementSalmann Investment ManagementArts Asset ManagementTatra Asset ManagementSalmann Investment ManagementArts Asset ManagementTatra Asset ManagementSalmann Investment ManagementArts Asset ManagementTatra Asset ManagementSalmann Investment ManagementArts Asset ManagementTatra Asset ManagementSalmann Investment ManagementArts Asset ManagementTatra Asset ManagementSalmann Investment ManagementArts Asset ManagementTatra Asset ManagementSalmann Investment ManagementArts Asset Management
Dalinora
iPhone

Scroll down

Why Dalinora

I'm Dalinora.
Your AI guide to the world of finance.

I'll help you set your finances up so they suit you, not some spreadsheet. Ask me anything, anywhere. 24/7.

Žena rieši rodinné financie počas bežného dňa

Want to provide for your family?

Sorting out your money with Dalinora is easy, fast and free of complications.

Learn more→
With DalinoraCurrent account
TodayIn 15 years
Investment solution

Invest from €30 a month

Set it up once and forget about it. No paperwork, no meetings — everything lives in the app.

From €30 a month
Cancel any time
Supervised by the NBS
I want to start →
Klientka sleduje vývoj svojich investícií

Want to invest without the effort?

Leave it to Dalinora. She watches the market in real time and adjusts your portfolio for you.

Learn more→
ARTS DynamicPassive portfolio
TodayIn 15 years
Dynamic investing

ARTS Dynamic

An actively managed portfolio that responds to the market. For those who want to get the most out of their investment.

Actively managed portfolio
Higher return potential
Lower risk
Open the product →
Investing

Your money works for you. Around the clock.

Dalinora decides on hard numbers and constant market monitoring. She does everything to grow the value of your money, while you deal with nothing at all.

From €30 a monthProfessional asset managementExpert advice 24/7
Horská krajína pri východe slnka
Dalinora features

How does Dalinora look after your money?

Používateľka píše Dalinore neskoro večer

Advice when you have time.

Got a question at midnight or in the shower? Just ask. Dalinora has no opening hours and answers whenever you need her.

Celý tvoj finančný svet v jednej appke

Your whole financial world in one app.

ETFs, funds, your emergency fund and your pension, all under your thumb. No three separate apps, no folders in a cupboard, no passwords forgotten in a drawer.

Úprimná rada namiesto predajných trikov

Honest advice instead of sales tricks.

Dalinora won't push a poor product on you just to earn a commission. Behind every answer stand licensed experts who tell you how it really is.

Tvoje peniaze nie sú pokusný králik

Your money is not a guinea pig.

No unverified speculation from the internet. We operate under the strict supervision of the National Bank of Slovakia, so you can be confident your savings are in safe hands.

Dáta strážime ako v bankovom trezore

We guard your data like a vault.

Top-grade encryption and complete privacy. We sell nothing to anyone. What's yours stays yours.

In the press

Nordic Fintech MagazineAn ecosystem that puts talent first and capital second.
→
FinReportNew shifts in the capital market and a future that has already begun.
→
InnovatricsBiometric Ventures invests in Dalinora. AI advice built on trust.
→
Nordic Fintech MagazineAn ecosystem that puts talent first and capital second.
FinReportNew shifts in the capital market and a future that has already begun.
InnovatricsBiometric Ventures invests in Dalinora. AI advice built on trust.
Returns calculator
Value after 15 years32 250 €
Your deposits18 000 €
Growth+ 14 250 €
Monthly deposit100 €/mo
Investment period15 yrs
Model calculation assuming a 7% annual return, in line with the long-term average of a diversified portfolio. Returns are not guaranteed.
Your way

Investing that adapts to you.

Dalinora gives you full freedom. In the app you can adjust your amount, pause deposits or move your money back to your account in seconds. No fees, no lock-in, no complications.

Set it up in the app→
Your adviser

Not sure where to start? I'm here for you

You don't need to be a finance expert. Ask Dalinora anything. She'll explain it plainly, without banking jargon and without pushing you towards products.

Ask Dalinora→
Portrét poradkyne
Portrét klientky
Our partners

World-class fund managers in your pocket.

Dalinora works with managers who run billions of euros around the world. She opens up their best portfolios without the thousand-euro entry fees.

See the portfolios→
Face to face with your finances

Behind Dalinora are real people.

Grigor Ayrumyan
Grigor AyrumyanChief Executive Officer
František Michalovich
František MichalovichChief Commercial Officer
Michal Krondiak
Michal KrondiakChief Investment Officer
Peter Jakubička
Peter JakubičkaBoard of Directors
Ivan Melay
Ivan MelayBoard of Directors
Martin Klempa
Martin KlempaChief Marketing Officer
Matija Kadanec
Matija KadanecChief Technology Officer
Samuel Uhliar
Samuel UhliarInvestment Analyst
Samuel Kobida
Samuel KobidaProduct Manager
Mario Letovanec
Mario LetovanecCommunity Manager
Professional woman with long dark hair, wearing a white blouse and navy blue blazer, against a dark purple background.
DalinoraInvestment Ambassador
User stories

Investing looks different when it all lives in your phone.

Six people with different goals and budgets — and what they actually do with the app.

★★★★★

I started with thirty euros a month. The app built my portfolio, I just peek in now and then.

LK
Lucia K.Graphic designer, 29
★★★★★

I set up a standing order and haven't had to decide anything since. It invests itself, I just watch the chart.

MH
Martin H.Developer, 34
★★★★★

When I don't understand something, I ask right in the app. At half past ten at night I get an answer just like during the day.

ZB
Zuzana B.Nurse, 41
★★★★★

I see in one place how much I have where and what it cost me. No digging for fees in documents.

PM
Peter M.Self-employed, 38
★★★★★

I answered a few questions about what I expect from my money. The portfolio that came out of it fits.

AV
Andrej V.Barista, 26
★★★★★

I needed part of my money back. I asked for a withdrawal on Thursday, by Tuesday it was in my account.

KS
Katarína S.Accountant, 45
★★★★★

I started with thirty euros a month. The app built my portfolio, I just peek in now and then.

LK
Lucia K.Graphic designer, 29
★★★★★

I set up a standing order and haven't had to decide anything since. It invests itself, I just watch the chart.

MH
Martin H.Developer, 34
★★★★★

When I don't understand something, I ask right in the app. At half past ten at night I get an answer just like during the day.

ZB
Zuzana B.Nurse, 41
★★★★★

I see in one place how much I have where and what it cost me. No digging for fees in documents.

PM
Peter M.Self-employed, 38
★★★★★

I answered a few questions about what I expect from my money. The portfolio that came out of it fits.

AV
Andrej V.Barista, 26
★★★★★

I needed part of my money back. I asked for a withdrawal on Thursday, by Tuesday it was in my account.

KS
Katarína S.Accountant, 45

Finance, made human.

We'll send you what matters from the market, plus practical tips on handling your money sensibly.

By subscribing you agree to your email being processed so we can send you the newsletter. You can unsubscribe at any time. More in our Privacy Policy.
Done, welcome aboard. You can unsubscribe with one click in any email.
That didn't work. Check your email and try again.

Got a question? Dalinora has the answer.

What is Dalinora and how will it help me invest?

An investment app with an AI adviser that recommends a portfolio tailored to your goals, experience and risk profile.

What am I actually investing my money in?

Portfolios are built from ETFs, which let you invest in a broad mix of shares and bonds across different regions and sectors.

What is the minimum deposit and how much do I need to start?

You can start from €30. Send your deposit by bank transfer, either as a one-off or a standing order, and you can set up regular automatic investing.

Can I withdraw my money at any time?

Yes, you can request a withdrawal at any time. The money usually reaches your account within 3 to 7 working days, depending on the ETF sale and your bank's processing.

How is my money protected and who supervises the platform?

Your assets are held with the securities broker European Investment Centre, o.c.p., a. s., which is supervised by the National Bank of Slovakia and covered by the Investment Guarantee Fund up to €50,000.