Your financial advisor. At last.
It gets to know your situation, your goals and your wealth, and first gives you a diagnosis of your financial health. Then, a step-by-step plan that adapts when your life changes, with follow-up by voice or chat, 24/7. Truly independent: subscription-based, no commissions.
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Ask me anythingThe advice you get is almost never just for you
In Spain, most «advice» is paid for through the commissions of the products they sell you. If your advisor earns when you buy, they are not your advisor: they are a salesperson.
The result: money sits still, decisions are driven by trends and no one looks at your full picture. Davant was born to flip that around: an advisor who lives off your subscription and answers only to you.
Only 5 % of financial advice in Spain is truly independent.
of Spanish families' money sits in current accounts, losing value to inflation.
of young investors in Spain follow social media finfluencers before deciding.
For anyone who wants every euro where it belongs
We're not here to make you the richest. We're here to make your money work as hard as possible for your situation and your goals, and to walk with you through the whole process.
You've got a lot to decide and your money is sitting idle
Between 30 and 40, the big decisions arrive: a home, children, job changes or personal projects. Meanwhile, your savings are in the bank or in inefficient products, and you find it hard to take the step from saving to investing.
You've been piling up products with no strategy
A fund from the bank, a pension plan from years ago, something a friend recommended or that was trending. You want to tidy it up, simplify it and make every product fit your situation and your risk profile.
Davant isn't for you if you're after trading, crypto assets or beating the market with individual stocks. What we do is bring order and improve your financial health.
From not knowing where to start to having a clear plan
A suitability test that's a conversation
It's not a form. You do it in a call with Davant, by voice and at your own pace, and it sets your goals, your saving capacity, your risk tolerance and your investing experience.
It's the test that regulation requires before recommending anything to you, and the foundation on which everything else is built.
All your wealth, in one place
You connect your institutions once and Davant reads everything automatically: accounts, investments, pensions, cards, loans, mortgages and insurance. Assets and liabilities too, so you get the full picture of your wealth and not just your financial products.
In read-only mode, through Wealth Reader: Davant sees, never moves.
Solid base. Buffer to strengthen.
Your financial health, in a single number
With your profile and your connected wealth, Davant analyses six areas: fundamentals, cashflow, portfolio, goals, protection and tax. The result is your Financial Health Score, the summary of your diagnosis.
It updates every day and tells you what's working, what's failing and why.
What to do and how, step by step
Activates with the CNMV licenceThe personalised plan and recommendations will arrive once Davant obtains authorisation as an EAF. Without a licence we don't advise.
In the meantime, Davant already informs you with your full context in mind: understanding your products, comparing costs and answering questions by voice or chat, 24/7.
Who pays your advisor?
That's what decides what they recommend. Follow the money.
It suits the bank to sell you the product that pays it most.
The only thing that suits Davant is for you to do well.
Your security, no fine print.
Read-only
Davant will be able to see your situation to advise you, but never move or operate with your money. Your euros always stay at your institutions.
No stored credentials
A standard open banking connection, the same one your banking app uses. We never store passwords at any point.
Regulated and supervised
A future EAF under CNMV supervision. MiFID II legally requires us to always act in your interest, never in that of a bank or fund manager.
People who stand behind it
Recommendations will go through constant checks. If you need to, you'll be able to talk to a real person.
What we do today and what we'll do with the licence
We're preparing the launch. Davant does not yet provide any service.
Suitability test, connection of your wealth and full diagnosis. From there, information with your full context in mind, without personalised recommendations.
Information becomes personalised and independent advice, regulated under MiFID II and paid for only with your subscription.
People with first and last names
Gerard Lozano
Martí Parnau
What it costs you, in numbers.
A commission-based manager charges a percentage of everything you hold, every year. Davant charges the same no matter how much you have.
What you save with Davant versus a commission-based manager
Illustrative example, VAT included. The 2 % is a typical annual cost of the funds sold by banks; the independent advisor is the average of the public fees of three Spanish EAFs (October 2026). This compares only the cost of advice: the recommended products keep their own fees, which Davant doesn't charge but does aim to minimise, so it will rarely recommend expensive products. The 6 % annual figure is just an example: the more your portfolio grows, the more you pay a commission-based manager, and you pay Davant the same.
One flat fee. Zero commissions.
A financial plan isn't fulfilled in a month. That's why we walk with you for a minimum of three, and you decide how to pay for it.
- Full diagnosis and personalised plan
- We walk with you so you follow it through
- Replanning whenever your life changes
- Unlimited connected products and daily syncing
No extra costs. Prices include VAT. The period is paid in full: if you pay in instalments and cancel, the remaining instalments are still charged.
Put your finances first.
Join the waitlist and be among the first to have an independent advisor who works only for you.
What people usually ask us
Am I talking to a person or an AI?
To Davant, which is an artificial intelligence. It's the one that runs your suitability test, analyses your wealth, prepares your diagnosis and answers your questions by voice or chat, at any time. If at any point you need to talk to someone, our customer support team is made up of real people and responds whenever needed.
Who is accountable for what Davant says?
We are. Davant is our advisor, and the team that builds and supervises it has first and last names. Once we have the licence, its recommendations will be subject to the same obligations as any advisor regulated by the CNMV.
Can Davant move my money?
No. The connection with your institutions is read-only: Davant sees your products, but can't operate with them. You make the decisions and execute them at your bank or broker.
Do I have to switch banks?
No. You stay with your usual banks, brokers and insurers. Davant connects to them and helps you get more out of them. If it sees it necessary, it will recommend products from other institutions, while keeping things operationally simple.
What if my life changes?
A job change, a house, a child or an inheritance change your plan. Davant redoes it with you as many times as needed, at no extra cost: it's included in any plan.
Why can't I pay for just one month?
Because a financial plan doesn't play out in a month. To support you properly we need a minimum of three months: that's the time to get things in order, make the first decisions and see them work. That's why the shortest plan is quarterly. If the outlay is what holds you back, you can pay it in interest-free instalments, spread month by month; the period is paid in full, but you never pay a cent extra.
Can I cancel whenever I want?
Yes. Cancellation takes effect at the end of the period you've signed up for, which is paid in full. We keep your plan and your history: if you come back, you pick up where you left off.