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 savings plans in the asset you hold, 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; identity verification takes about three more
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
Ten US stocks, five crypto assets and three index funds in one portfolio — plus Pinnora's own IPO book, with the price band and how much 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
Out to your bank in a working day or two, to any crypto address in under half an hour, or 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 viewIdentity and security
Verification in three phases with live document and face capture, then passkeys, a second check before money leaves and every signed-in device listed.
Sign out a device from anywhereSupport 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
Share your link. When a friend signs up, verifies and funds $100 or more, you both get paid.
$10 eachGrow It, Borrow
Against It, Build With It
Three ways your money can do more than sit still.
Savings
up to 7.4%APY on balances you are not using
Four plans, in the asset you already hold. Flexible plans can be redeemed whenever you like; locked plans pay more for a fixed term.
- Flexible USD — 4.0% APY, from $50
- Flexible USDT — 5.2% APY, from 10 USDT
- Bitcoin, 30 days — 3.4% APY
- USDC, 90 days — 7.4% APY, from 100 USDC
4plans
2flexible
$10smallest deposit
Loans
8.9%APR, fixed for the life of the loan
Borrow against the portfolio you already own instead of selling it. Your collateral is locked, never sold, and released the moment you repay.
- Choose 25%, 50% or 65% loan-to-value
- Cash arrives in your funding wallet at once
- Repay in full any time — no early-repayment fee
- Borrow against stocks, funds or crypto
65%max loan-to-value
$0to repay early
Instantpayout
Empowerment
$1.5Bcommitted to small and growing businesses
Capital for businesses, not portfolios. Four facilities, from a first stock order to secured structured finance — with a decision in days rather than months.
- Micro — $5,000 to $50,000 at 9.5%
- Growth — $50,000 to $500,000 at 11.0%
- Scale — $500,000 to $5 million at 12.5%
- Enterprise — $5 million to $50 million at 13.5%
$412.8Mdeployed
1,860businesses funded
48hfastest decision
Our Partners
The largest banks, funds and exchanges from all over the world cooperate with us
Money In, Money Out
Fund your account by bank transfer, debit or credit card, or crypto on eight networks. Withdraw the same way.
- TRON TRC20
- Ethereum ERC20
- BNB Smart Chain BEP20
- Polygon ERC20
- Base ERC20
- Arbitrum One ERC20
- Solana SPL
- Bitcoin Native SegWit
Bank and crypto deposits are free; a card carries a processing fee and settles instantly. Withdrawals open once you are verified, count towards a daily limit, and show their fee 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.
Five Markets,
One Portfolio
Ten US stocks, five crypto assets, three index funds and Pinnora's own IPO book — 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 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?
Ten US stocks, five crypto assets and three index funds, plus Pinnora’s own IPO book with its price band and how much of it 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 eight networks, from TRON and Ethereum to Solana and Bitcoin. Once you are verified you can withdraw to your bank or a crypto address, or send straight to another member by their @username. Every withdrawal is checked by our team before it is paid out, and withdrawals count towards a daily limit shown in the app.
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, USDT, USDC or Bitcoin. Flexible plans can be redeemed whenever you like; fixed-term plans run for a set number of days. Each plan shows its current rate, term and minimum in the app before you put anything in.
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 is my account kept secure?
Your identity is verified in three phases with live document and face capture, which takes about three minutes. You can sign in with Face ID, Touch ID or a passkey, sending or withdrawing money asks you to confirm it is you again, and you can see every device that is signed in and 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.