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Denmark based
4.8/5

Invest in crypto without the hassle, and let your money work for you

Partner exchange
OKX
One-stop shop for all your crypto banking needs. Sign up now to on/off ramp, broker crypto, utilize stablecoins for payments, and access deep liquidity for large scale OTC transactions.
Start Investing
Contact us
Benefits
Start investing, from as low as €5K
Active risk management, with potential unlimited upside
No ongoing costs or traditional management fee
Only 24hr lock-in period

About Penning Invest

Penning has a proven track record of delivering +400% ROI to its investors, and is now more accessible than ever before. Digital assets have evolved, and so has Penning. With our proven track record of delivering high-yields, and keeping risk exposure at an indsutry record low, today’s real question isn’t if crypto is too risky – but whether the modern investor can afford to miss out.
Trade
Sign up via the form
Share your details and complete a quick identity check to unlock access to Penning’s trading strategies.
Receive information
Our team will contact you with all the key details - how the strategy works, performance and risk profile.
Start investing
We’ll activate your strategy and you can monitor performance anytime through your dashboard.
Our packages

Investment Packages

Choose the strategy that fits your risk appetite — or talk to us, if you're an institutional investor.
Sign-up to invest
€5,000
Min.Invest.
24 hours
Lock-in term
30%
Deposit < €50k
Performance fees
15%
Deposit > €50k
Performance fees
Save
Conservative portfolio focused on capital preservation and steady yield.
~APR
Approximate Annual Percentage Rate — the expected yearly return based on current performance data.
5%
~Drawdown
Represents the potential decrease from a peak to a trough during trading activity.
0%–2%
Risk level
Indicates the estimated level of investment risk associated with this strategy.
Very Low
Profit potential
Shows the likelihood of achieving higher returns relative to the assumed risk.
Very Low
View strategy
Grow
Balanced portfolio seeking long-term growth with controlled risk.
~APR
Approximate Annual Percentage Rate — the expected yearly return based on current performance data.
20%
~Drawdown
Represents the potential decrease from a peak to a trough during trading activity.
10%–30%
Risk level
Indicates the estimated level of investment risk associated with this strategy.
Low
Profit potential
Shows the likelihood of achieving higher returns relative to the assumed risk.
Medium
View strategy
Trade
Actively managed strategies aiming for higher returns.
~APR
Approximate Annual Percentage Rate — the expected yearly return based on current performance data.
40%
~Drawdown
Represents the potential decrease from a peak to a trough during trading activity.
10%–60%
Risk level
Indicates the estimated level of investment risk associated with this strategy.
Medium
Profit potential
Shows the likelihood of achieving higher returns relative to the assumed risk.
High
View strategy
Low-risk savings strategy
What this strategy does
New asset classes bring new  opportunities. Leveraging the technology of the crypto market, innovative savings products can be developed that maintain traditionally low-risk levels while offering higher, next-gen profit potential.

Penning Save offers safe, transparent and low-risk savings products for the risk averseinvestor that still wants to leverage the new technology the crypto market brings, and thus giving the potential for higher returns.

The majority of the investments done in Penning Save offer full capital protection, meaning the only risk we take on is the counterparty risk, which in this case is the worlds second largest crypto exchange.
~APR
Approximate Annual Percentage Rate — the expected yearly return based on current performance data.
5%
~Drawdown
Represents the potential decrease from a peak to a trough during trading activity.
0%–2%
Risk level
Indicates the estimated level of investment risk associated with this strategy.
Very Low
Profit potential
Shows the likelihood of achieving higher returns relative to the assumed risk.
Very Low
How investing works
Apply to invest
Mid-risk growth strategy
What this strategy does
If you have confidence in the leading cryptocurrencies and seek an investment strategy that grows alongside the market, Penning Grow is the ideal solution.

Penning Grow primarily allocates funds to Bitcoin and Ethereum, strategically increasing holdings during market downturns to optimize entry prices.

Simultaneously, it takes incremental profits as values rise, ensuring that potential gains are maximized.

This approach offers a systematic and sophisticated alternative to the traditional buy-and-hold strategy while preserving the benefits of value appreciation in alignment with the underlying assets' growth.
~APR
Approximate Annual Percentage Rate — the expected yearly return based on current performance data.
20%
~Drawdown
Represents the potential decrease from a peak to a trough during trading activity.
10%–30%
Risk level
Indicates the estimated level of investment risk associated with this strategy.
Low
Profit potential
Shows the likelihood of achieving higher returns relative to the assumed risk.
Medium
How investing works
Apply to invest
Risk managed trading strategy
What this strategy does
Years of research and development have led to the creation of one of the most efficient and sophisticated algorithmic trading portfolios in the world.

Penning Trade utilizes 4 to 10 distinct algorithmic trading strategies within the crypto derivatives market. With short investment horizons and the flexibility to take both long and short positions, the portfolio maintains a market-neutral stance, leveraging cryptocurrency volatility through a quantitative approach.

This product falls on the higher end of Penning’s risk spectrum due to the inherent nature of shorter investment timeframes, which can lead to faster outcomes—whether positive or negative.
~APR
Approximate Annual Percentage Rate — the expected yearly return based on current performance data.
40%
~Drawdown
Represents the potential decrease from a peak to a trough during trading activity.
10%–60%
Risk level
Indicates the estimated level of investment risk associated with this strategy.
Very Low
Profit potential
Shows the likelihood of achieving higher returns relative to the assumed risk.
Very Low
How investing works
Apply to invest
Cases

Real cases

Penning has a proven track record of delivering +400% ROI to its investors, and is now more accessible than ever before.
Apply to invest
Grow package performance in 2023
What assets were invested in, as well as any other details that we are allowed to show here.
ROI
+405.55%
Non-fee deducted
~Monthly
+7.44%
Non-compounded
Max drawdown
-15.86%
August 2023
Max return
+27.54%
July 2023
Grow package performance in Q1 2024
What assets were invested in, as well as any other details that we are allowed to show here.
YTD
+48.07%
Total realized value
Individual performance
+20.57%
March 2024
Benchmark Performance
+47.62%
Q1 2024
Penning CM Performance
+48.07%
Q1 2024
Grow package performance in Q2 2024
What assets were invested in, as well as any other details that we are allowed to show here.
YTD
+58.62%
Total realized value
Individual performance
-0.13%
June 2024
Benchmark Performance
-16.73%
Q2 2024
Penning CM Performance
+7.13%
Q2 2024
Grow package performance in Q3 2024
What assets were invested in, as well as any other details that we are allowed to show here.
YTD
+63.33%
Inc. unrealized
Performance commentary
+1.93%
September 2024
Benchmark Performance
-4.61%
Q3 2024
Penning CM Performance
+3.61%
Q3 2024
Grow package performance in Q4 2024
What assets were invested in, as well as any other details that we are allowed to show here.
YTD
+94.85%
Realized
Performance commentary
+11.20%
December 2024
Benchmark Performance
+32.04%
Q4 2024
Penning CM Performance
+18.55%
Q4 2024
01/10
How it works

With our proven track record of delivering high-yields and keeping risk exposure at an industry record low.

Sign-up to invest
Sign up
01
Sign up on our website and fill in all required details, as well as provide requested documents.
Await application approval
02
Applications with correct information provided are generally approved
within 48h.
Transfer your invest amount
03
Once funds land (or PoP is approved), our desk executes your block across multiple venues at the agreed spread.
Verification
04
Once your investment reaches your trading account, we will make some technical connections, before starting trading.
Start investing
05
When trading activity begins, you can follow your balance through the investor dashboard on the website
Exit policy

How to exit

We will confirm that we have received your termination request and require
24 hours
Partial exit
If you wish to partially withdraw your investment, wether it be your initial invested capital, or any profits you have achieved in your account, you notify this via email to invest@penning.dk. We will confirm that we have received your withdrawal request and will initiate the withdrawal process at upcoming month end.
Full exit
If you wish to exit your investment with us, you notify this via email to invest@penning.dk. We will confirm that we have received your termination request and require 24 hours to terminate all investments, and after this we will initiate the withdrawal process at upcoming month end.

Danish FSA registered

Penning Financial Services ApS is registered with the Danish Financial Supervisory Authority as a Crypto Asset Service Provider as per MiCA-regulation. Registration confirms compliance with Danish AML/CTF rules, customer due-diligence and ongoing supervisory reporting.
View FSA record
What clients are saying

Testimonials

See all on Trustpilot
Excellent support and an easy-to-use platform! The phone is always answered quickly, or they call back shortly after if you have any questions. Just a few hours from fiat in your traditional bank to crypto in your own wallet.
Ulrik Bruhn
October 21, 2025
The team behind Penning has many years of experience in the industry, and it clearly shows in their innovative trading platform. It’s user-friendly, highly secure, and easy to navigate. I can highly recommend them for crypto trading.
Nicki Bech-Bjørnes
November 2, 2024
I exchanged crypto for Danish kroner, and the process went very smoothly with Penning. Super fast service – it took no more than 30 minutes from placing the order to receiving confirmation of payout. After that, it took about a day on average for the DKK to appear in my Danish bank account.
Philip Jefting
November 1, 2024
Fantastic experience using Penning. Great help from Jimmie regarding the bank transfer. I’ll definitely keep using Penning going forward – both for crypto in and out!!!
Bjarne
August 30, 2025
I’ve used Penning several times. Excellent service, fast execution, and it’s great to have Danish-speaking staff on support. Everything runs smoothly and professionally. A huge recommendation from me.
Morten Jacobsen
February 5, 2025
01/10

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2720 - Vanloese, Copenhagen, Denmark
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Trustpilot
Penning Financial Services ApS is registered with the Danish Financial Supervisory Authority as a 'virtual assets service provider' under FTID 17545. Penning Financial Services ApS (DK44645971) and Penning A/S (DK42312428) are part of Penning Group ApS (DK42310352), all companies registered and incorporated in Denmark. Hereinafter collectively referred to as 'Penning'. Penning does not provide any investment advice or recommendations of any kind, including whether to buy or sell any security or other assets. Penning cannot be held responsible for any costs, taxes, or other losses resulting from purchases of any assets, including but not limited to non-compliance with laws and restrictions in the customer's jurisdiction.