Updated September 30, 2026 · BrokerCue Editorial Team
Top robo-advisors compared
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| # | Broker | Score | Key facts | Actions |
|---|---|---|---|---|
| 51 |  Brand New Day | 9.0/10 |
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| 52 |  Charles Schwab | 9.0/10 |
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| 53 |  Chip ChipX 28 day free trial: 28 days free, then £5.99 every 28 days or £65.05 paid annually | 9.0/10 |
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| 54 |  LIQID | 9.0/10 |
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| 55 |  M1 | 9.0/10 |
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| 56 |  Scalable Capital | 9.0/10 |
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| 57 |  Stash Try Stash for 7 days: 7-day trial | 9.0/10 |
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| 58 |  UnitPlus | 9.0/10 |
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| 59 |  Alinea Invest | 9.0/10 |
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| 60 |  Albert 30-day free trial before the first subscription charge: 30 days free | 8.9/10 |
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About Top robo-advisors compared
Robo-advisors take the picking and rebalancing off your hands, and they charge for it in the areas that matter most to a retail investor: an annual management fee taken from the balance, and a minimum amount you must deposit before the account opens. This ranking covers 152 brands, and the order follows one trade-off: what a provider takes from your money each year, against who stands behind that money and how small a first payment you can make. Fees run 0% to 94.71% across the providers on the site, with a median charge in this category of 0.35%. Entry amounts vary just as much: the median minimum investment here is €60.06, while the largest ask is €438,481.10. ETF portfolios are the norm, offered by 86.2% of the brands, with cash and ESG options close behind. Read the loss picture alongside the fees: the median share of retail client accounts that lose money is 70.15%, and the site-wide low and high are 40.3% and 88%.
How we picked
Every brand here is scored on weighted factors: trust at 40%, cost at 35% and offer at 25%. Trust reads the named regulator, the client money protection scheme and the legal entity behind the account, since that decides where your money sits and who answers for it. Cost reads the management fee, the minimum investment and any account fee, because a robo-advisor's charge is taken quietly from the balance rather than billed per trade. Offer covers the account types you can open, the portfolio types available and the support routes when something is wrong. Provider figures come from each brand's own published pricing and account pages, with regulators, compensation schemes and legal entities cross-referenced against public registers and member lists. Partner brands are listed first, then the rest in score order, drawn from 152 brands. Across the wider site, 270 brands are tracked and 194 of them are licensed.
How we rankOur top picks
2. eToro: best for top-pickeToro opens this ranking on cost, with a management fee of 0% and investor protection of EU ICS up to EUR 20,000 for eToro (Europe) Ltd. Regulated by the Cyprus Securities and Exchange Commission (CySEC) and listed with SIPC, it offers portfolios of etf, esg and cash, so ESG and crypto can sit alongside ETFs in the same ISA account. The trade-off against Vivid Standard below it is the entry amount: $500 is the largest minimum investment among the members here, where Vivid Standard starts at €2. Support is the other side of the ledger, since help centre is the only route listed against the wider set below.
- Stock trade fee: $0
- Account fee: $0
- Markets: Stocks, ETFs, Forex, and 3 more
Pros
- No commission on share dealing: stock trade fees are $0
- No account fee on the standard dealing account: $0
- Regulated in Cyprus by the Cyprus Securities and Exchange Commission, and a SIPC member in the US
- One account spans stocks, etfs and forex
- Fractional shares and a demo account let you start small and practise before committing money
Cons
- A separate management fee of 0% applies to the managed portfolio service, so headline dealing costs are not the whole bill
- Support runs on help centre only, so there is no stated phone or live chat route for account problems
- The same commission-free model at XTB comes with a stated stock trade fee of €0, so commission alone does not separate the two
3. RevolutRevolut closes this ranking with a UK-facing account and a wide support setup: an ISA and a joint account, a management fee of 0%, and regulators that include the Financial Conduct Authority, the Cyprus Securities and Exchange Commission (CySEC) and SIPC. Revolut Digital Assets (Europe) Ltd states investor protection of FSCS up to GBP 85,000, the cap Moneybox also lists, and the company has operated since 2015. Portfolios cover etf, cash and crypto and support runs through email, chat and phone. Compared with BetterSaver above it, the ISA wrapper and FSCS protection apply where an ESG portfolio is the only option listed.
- Management fee: 0%
- Regulators: Financial Conduct Authority, Cyprus Securities and Exchange Commission (CySEC), LT BL, and 1 more
- Investor protection: FSCS up to GBP 85,000
Pros
- A management fee of 0% on the stocks and shares ISA.
- Regulated by the Financial Conduct Authority and the Cyprus Securities and Exchange Commission, with support by email, chat and phone.
- Account types include isa and joint, and portfolios can hold etf, cash and crypto.
- Founded in 2015 and trading through the legal entity Revolut Digital Assets (Europe) Ltd.
Cons
- Investor protection stops at FSCS up to GBP 85,000.
- Account types come down to isa and joint, so there is no pension or SIPP wrapper here.
- Crypto sits inside etf, cash and crypto, so an ISA here is not a pure stocks and shares plan.
4. Empower Personal DashboardEmpower is in this ranking on the fee side: a management fee of 0% and a minimum investment of $0, with the US as its home market under Empower Advisory Group, LLC. Portfolios are limited to etf and cash and the only account type is an IRA, narrower than the corporate and joint accounts at Syfe above. Support runs through email, phone and help centre, which drops the chat route Syfe lists, and compared with BetterSaver below it the US retirement product replaces a New Zealand ESG portfolio with a management fee of 0%.
- Management fee: 0%
- Minimum investment: $0
- Account types: IRA
Pros
- Management fee of 0% and an account fee of $0, so nothing leaves the balance each year.
- Minimum investment of $0 and a minimum deposit of $0, so a small first contribution is enough.
- Stock trades cost $0 across stocks, etfs and funds, with managed portfolios in ETF and cash styles.
Cons
- The account type is an IRA, so it is a retirement account rather than a general dealing account.
- Markets stop at stocks, etfs and funds, with no crypto, options or forex added on.
- Support runs on email, phone and help centre, so there is no live chat for quick questions.
6. Smavesto: best for Smavesto
Smavesto is a German robo-advisor that sets up an ETF savings plan and adjusts the portfolio automatically to market risk and opportunity signals.
What to look for
- Annual management fee
- A robo-advisor takes a percentage of the balance every year, so the headline rate compounds against you quietly. The median charge in this category is 0.35%, the low is 0% and the high is 94.71%, while fees across the wider site run 0% to 94.71%. Check what sits above the headline rate for cash and crypto holdings.
- Minimum investment
- The amount needed to open the account decides who can start. The median minimum investment in this category is €60.06 and the largest requirement is €438,481.10, a wide gap that separates starter-friendly providers from those aimed at funded portfolios.
- Regulator and protection scheme
- The named regulator and the client money protection scheme tell you who stands behind the account. Of the 152 brands in this category, 78 are licensed, so read the cap each scheme states for the legal entity on the account rather than assuming a balance sits under it.
- Account types you can use
- The wrapper changes the tax you pay on gains, so the account types offered matter. Joint accounts appear at 48.6%, corporate accounts at 43.2%, retirement accounts at 29.7%, tax-sheltered ISA accounts at 21.6% and pension accounts at 21.6%.
- What you can hold inside
- Automated portfolios lean on funds, with ETFs offered by 86.2% of the brands, cash by 55%, ESG by 47.7% and crypto by 24.8%. A wider mix dilutes the automation but adds holdings that move at a different pace.
- How you reach support
- Support is where account problems surface, and the options differ sharply. Help centres appear at 87.9% of the brands here, phone support at 72.6%, email at 70.2% and chat at 34.7%.
Frequently asked questions
Which robo-advisor charges the least?+
Several members charge nothing as an annual management fee: eToro at 0%, Empower at 0%, BetterSaver at 0% and Revolut at 0%. Against that, corporate and Singapore accounts carry a recurring charge, with fees run 0% to 94.71% across the providers on the site and a median of 0.35% in this category. Check what a provider charges on cash or crypto holdings as well as the headline rate.
How much do I need to start investing?+
The median minimum investment across this category is €60.06, and the highest entry requirement of the members is €438,481.10. Several providers open on a nominal first payment, so a small starter sum is realistic here, and the median first deposit across the wider site is €4.64. The trade-off is that a higher floor often brings a broader portfolio range, so the amount needed and what you can hold move together.
Is my money protected on these accounts?+
It depends on the scheme and the legal entity, so read the wording rather than the brand name. eToro lists EU ICS up to EUR 20,000 and Vivid Standard lists EU ICS up to EUR 20,000, Moneybox and Revolut list FSCS up to GBP 85,000 and FSCS up to GBP 85,000, and Axos Invest and Acorns list SIPC up to USD 500,000 and SIPC up to USD 500,000. Each figure belongs to the named entity on the account, so check that name before you fund it.
What do the retail loss figures show?+
Most retail client accounts do lose money, and the fees above are only part of why. Across the site, the median share of retail accounts that lose money is 70.15%, with a low of 40.3% and a high of 88%. A robo-advisor takes the allocation decision away from you, not the market risk, so the loss figures deserve as much attention as the management fee.
Can I hold cash, ESG funds or crypto in a robo portfolio?+
Holdings differ more than the headline fee suggests. eToro lists etf, esg and cash, StashAway lists etf, esg and cash and Revolut lists etf, cash and crypto, while Axos Invest lists etf alone. Across the category, 55% of brands offer cash holdings, 47.7% offer ESG portfolios and 24.8% offer crypto. Crypto inside an automated portfolio is the holding most likely to swing your balance fastest.
How do I get help when something goes wrong?+
A help centre is the most common route, appearing at 87.9% of the brands in this ranking, ahead of email at 70.2% and phone support at 72.6%. StashAway offers the widest spread with email, chat and phone and Syfe lists email, chat and phone, while eToro and Moneybox list help centre and help centre on their own. That matters most when a transfer is stuck or a rebalance needs explaining.
Top robo-advisors compared by country
Related by the facts
The data behind this ranking
| Metric | Value | Sample |
|---|---|---|
| Median min deposit | 0.44 EUR | 48 |
| Lower quartile min deposit | 0 EUR | 48 |
| Upper quartile min deposit | 25 EUR | 48 |
| Lowest min deposit | 0 EUR | 48 |
| Highest min deposit | 1,753.92 EUR | 48 |
| Median stock trade fee | 0 EUR | 44 |
| Lower quartile stock trade fee | 0 EUR | 44 |
| Upper quartile stock trade fee | 2.53 EUR | 44 |
| Lowest stock trade fee | 0 EUR | 44 |
| Highest stock trade fee | 17.54 EUR | 44 |
