Don't save. Invest.
Invest with ease in a global portfolio.
It doesn't have to be complicated
You don't need to be an expert to invest. We guide you through the process and explain everything in plain English.
- You answer a few questions.
- We recommend an investment policy that you confirm.
- You deposit money and watch it grow in the app.
We handle everything else.
Spesía Coverage
1 million kr. put in Global Stocks vs. Savings Accounts 2001-2025
Don’t settle for 0% interest.
Even the best savings accounts barely keep up with inflation. That means your real return is 0%. Your long-term savings deserves better.
Don't invest in fees either.
For years, investors in Iceland have paid extremely high fees for investing in funds and for wealth management. Spesía is different. The less you pay in fees, the more you keep of what the market delivers.
Umfjöllun um Spesíu
What matters most to you?
People are different and invest for different reasons.
At last a solution I can recommend
Spesía makes it easy for anyone to invest in line with best practices and at a fair price.
Proven approach.
We invest, without middle men, in a well diversified portfolio of global stocks and Icelandic bonds. Simplicity that delivers lower fees.
Don't keep everything in Iceland.
With Spesía you spread your investments across the world and reduce the risk inherent in small economies.
1 million kr. put in Global Stocks vs. Icelandic Stocks 2001-2025
Your money deserves protection without compromise.
- Spesía's operation is supervised by the Central Bank of Iceland and must adhere to strict security standards.
- Your investment are held in your name with a custodian and are always separate from Spesía's own finances.
- It is only possible to withdraw to a bank account registered to your personal ID.
- Spesía is independent of the banking system.
Frequently Asked Questions
Yes. The company is Icelandic and Spesía's operation is subject to Icelandic law and regulations and requires a license from the Icelandic Financial Supervisory Authority. Furthermore, Spesía is solely owned by Icelandic shareholders, mainly its founding team. The company’s services are designed to meet the needs of Icelandic consumers.
Data protection and information security are strictly adhered to in all of Spesía’s operations. We encourage you to review the company’s Terms of Use and Privacy Policy, which can be read here.
Spesía is mostly owned by its founders and employees and a selected group of investors. The CEO and founder of Spesía is Georg Lúðvíksson, founder and former CEO of the company Meniga. Tómas Áki Gestsson is the company's founder and investment manager, having held various positions within the Icelandic financial market, most recently at the Central Bank. Other co-founders and owners include Peter Short, the company's CTO and co-founder, Bergur Ebbi, a co-founder who leads marketing, and Tinna Karen Gunnarsdóttir, a co-founder who leads front-end development.
In addition, just over 20 investors, mainly individuals and family investment offices, are shareholders in Spesía. These include Arnar Þór Másson and the investment firm of Guðmundur Fertram Sigurjónsson, both of whom are on Spesía’s board of directors.
Spesía is an independent company and is not owned by Icelandic banks or is in any way part of the Icelandic banking system.
Spesía is an investing service that provides easy access to the returns provided by international financial markets. With Spesía, anyone can invest in a well-diversified global portfolio of stocks and bonds with an appropriate level of risk tailored to individual needs. Saving with Spesía is as easy as using regular bank accounts and is most suitable when saving for a longer time than than two years.
Yes, if you have an Icelandic ID number, electronic ID and are 18 years or older. But note that we still withhold 22% capital gains tax from all clients when profits are realized. If you are supposed to pay lower tax in Iceland due to tax residence elsewhere and/or double taxation agreements, you need to account for this yourself on your Icelandic tax return and apply for a correction to RSK when assessed.
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