Two Accounts, One Balance
A trading account for your investments and a funding wallet for your money. Move funds between them instantly
Read MoreInvest for
the Future
Stocks, crypto, funds and IPOs in one portfolio — with investment and savings plans, loans against what you already own, and capital for growing businesses.
Find Out MoreGet the Most Out
of Your Investments
Full Analytics in Your App
Profit and loss, allocation and monthly performance across every asset you hold
Read MoreAdvantages
The things that decide whether an app is worth keeping: how fast you can start, what it costs, and whether anyone answers when something goes wrong.
Smooth Start
No branch, no paperwork. Open an account in under a minute, from your phone or your browser
Open an AccountSupport That Answers
Open a ticket in the app, attach a screenshot and keep replying until it is closed. A help centre covers the rest
Ask a QuestionFees You Can Read
No commission on orders or transfers. Bank and crypto deposits are free, and every fee is shown before you confirm
Explore PricesInvest Any Amount
Fractional shares from $1. You do not need a large sum to start, and nothing is held as a minimum
Start NowEverything in One App
Invest, save, borrow, get funded and get paid — without leaving Pinnora or opening a second account.
Stocks, crypto and funds
US stocks, major crypto assets and index funds in one portfolio — plus IPO allocations, with the price band and how much of the book is filled.
Fractional from $1Trading account and wallet
Investments on one side, money on the other. Move any asset between them instantly, with no fee and no waiting.
One combined balanceDeposits
Bank transfer, debit or credit card, or crypto with a scannable address and the exact amount to send.
Free by bank or cryptoWithdrawals and transfers
Withdraw to your bank account or a crypto address, or send money straight to another member by their @username.
Fee shown before you confirmStatistics
Profit and loss, allocation by asset class and month-by-month performance over any period you choose.
Every asset, one viewSpot trading
Trade crypto pairs against dollars, stablecoins or other crypto, with market orders at the live price or limit orders at a price you set.
Market and limit ordersSupport and help centre
Open a ticket, attach a screenshot, keep replying until it is closed — and rate the answer when it is.
Plus articles on every screenReferrals: earn $500 or more
Invite friends with your personal link. You and each friend get $10 once they verify their account and deposit $100 or more, so fifty qualifying friends earn you $500 — and there is no cap on what you can earn.
No limit on invitesGrow It, Borrow
Against It, Build With It
Put your money to work: invest it for a fixed term, save it, borrow against it or use it to build a business.
Investments
up to 182.5%targeted APR, from $1. Every plan and its rate are in the app
Managed plans that run for a fixed term, in US dollars or USDT. Find each plan's term, minimum and target return in the app, and read its terms in full before you join.
- Profit paid to your funding wallet on a regular schedule
- Reinvest your profit on plans that allow it
- Capital returned to your wallet when the term ends
Capital at risk. Returns are not guaranteed, and a plan is not a deposit account.
View investment plansSavings
up to 7.4%APY on balances you are not using
Earn in the asset you already hold, from US dollars to stablecoins and Bitcoin. Choose from flexible, fixed-term, floating-rate and mixed plans: flexible money can be taken out whenever you like, a fixed term runs for a set number of days, a floating rate can change and you are told when it does, and a mixed plan splits one deposit between the two.
- Flexible, fixed-term, floating-rate and mixed plans
- Rate, term and minimum shown before you commit
- Paid to your funding wallet on a regular schedule
$10smallest deposit
Flexiblefixed, floating or mixed
Loans
8.9%APR or less, fixed when your loan opens and confirmed in the app before you borrow
Borrow against the portfolio you already own instead of selling it. Your collateral is locked rather than sold, and released the moment you repay.
- Borrow against stocks, funds or crypto
- Cash arrives in your funding wallet at once
- Repay in full any time — no early-repayment fee
Fixedrate for the life of the loan
$0to repay early
Instantpayout
Empowerment
up to $50Mper facility, for businesses large and small
Capital for businesses, not portfolios — from unsecured facilities for small firms to secured finance for established companies, with a decision in days rather than months.
- Facilities from $5,000
- Terms from six months to seven years
- Fixed monthly repayments, at a rate set when you apply
- No collateral needed on smaller facilities
From ~9.5%a year, estimated
Daysto a decision
Money In, Money Out
Add money by bank transfer, debit or credit card, or crypto. Withdraw to your bank account or a crypto wallet.
Bank and crypto deposits are free, and a card deposit carries a processing fee. Crypto can be sent on the major networks, and the app shows the right address for each. Withdrawals count towards a daily limit, and every fee is shown before you confirm, next to what will arrive.
Trade in Real Time
No more waiting. Hold the button for a second and the order executes at the price on screen — your cash, your position and your history all move in the same moment.
All Your Assets,
One Portfolio
US stocks, major crypto assets, index funds and IPO allocations — held side by side and valued in one balance. Buy fractionally from $1, sell at the price on screen, and see the whole position in a single view.
Frequently Asked Questions
Straight answers on what Pinnora does, what it costs and how your money moves in and out.
What is Pinnora?
Pinnora is one app for investing, saving, borrowing and business capital. Stocks, crypto, index funds and IPO allocations sit in one portfolio, next to investment plans with a fixed term, savings plans in the asset you already hold, loans against the investments you own, and capital facilities for growing businesses.
What can I invest in, and how much do I need?
US stocks, major crypto assets and index funds, plus IPO allocations with their price band and how much of the book is filled. Shares are fractional from $1, so you do not need a large sum to start, and nothing is held as a minimum.
What does Pinnora charge?
There is no commission on orders or transfers. Bank and crypto deposits are free, and a card deposit carries a processing fee. A withdrawal’s fee depends on the method and the asset, and every fee is shown before you confirm, next to what will arrive.
How do I add money and take it out?
Deposit by bank transfer, debit or credit card, or crypto on the major networks. Withdraw to your bank account or a crypto address, or send money straight to another member by their @username. Withdrawals count towards a daily limit shown in the app, and every fee is shown before you confirm.
How do Pinnora savings work?
Savings plans pay a return on balances you are not using, in the asset you already hold, such as US dollars, stablecoins or Bitcoin. There are flexible, fixed-term, floating-rate and mixed plans. A flexible plan can be redeemed whenever you like, and a fixed-term plan runs for a set number of days. A floating-rate plan is flexible, but its rate can change, and you are told when it does. A mixed plan splits one deposit into a flexible part and a fixed-term part. Each plan shows its current rate, term and minimum in the app before you put anything in.
How do investment plans work?
An investment plan is a managed plan that runs for a fixed term. Each plan shows its term, minimum and target return in the app, and you read and accept its terms before you join. Your capital is at risk: a target return is not guaranteed, and a plan is not a deposit account.
Can I borrow without selling my investments?
Yes. A Pinnora loan is secured against the stocks, funds or crypto you hold, at a rate fixed when the loan is opened, and the app shows the current rate and the highest loan-to-value before you confirm. The cash arrives in your funding wallet at once, your collateral is locked rather than sold — unless its price falls to the liquidation point the app shows — and released the moment you repay, and you can repay in full at any time with no early-repayment fee.
Can Pinnora fund my business?
Empowerment is capital for businesses rather than portfolios. Each facility shows its amounts, rate and terms in the app before you apply, and the app says how long a decision takes.
How do I keep my account secure?
Sign in with Face ID, Touch ID or a passkey, and check the list of devices signed in to your account. You can sign any of them out from anywhere.
Do I need to download anything?
No. Pinnora opens in your web browser at mypinnora.com/app/. To keep it on your phone, add it to your Home Screen: on iPhone tap the Share button, then Add to Home Screen; on Android open the browser menu instead. Notifications only work once Pinnora is installed.
How do I get help?
Open a ticket in the app, attach a screenshot and keep replying until it is closed, then rate the answer. The help centre in the app has articles on deposits, withdrawals, verification, trading, security and your account.