Updated September 28, 2026 · BrokerCue Editorial Team
bevestor vs Finhabits
What sets them apart
| Compare |  bevestor |  Finhabits |
|---|---|---|
| Management fee | 0.6%Lower | 1% |
| Regulators | Industrie und Handelskammer Frankfurt am Main | U.S. Securities and Exchange Commission (SEC) |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Account types | Joint | IRA, Roth IRA |
| Portfolio types | ETF, ESGCovers more | ETF |
| Minimum investment | €25 to €500 | Not confirmed |
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Key differences
- bevestor scores higher overall: 8.8 vs 8.5.
- Regulators: only bevestor offers Industrie und Handelskammer Frankfurt am Main.
- Regulators: only Finhabits offers U.S. Securities and Exchange Commission (SEC).
- Management fee is lower at bevestor: 0.6% vs 1%.
- Account types: only bevestor offers Joint.
- Account types: only Finhabits offers IRA, Roth IRA.
- Portfolio types: only bevestor offers ESG.
- Support channels: only bevestor offers Chat.
Our verdict on each
bevestor
bevestor suits investors in Germany who want a robo-managed portfolio run for them from a small starting amount, with entry from €25 to €500. The trade-off is a narrow range of etfs and funds and a fee of 0.6%, which sits above cheaper rivals.
Finhabits
Finhabits is a US robo-advisor built for beginners, opening at a minimum deposit of $0 and running managed stocks and etfs portfolios under US regulation. The trade-off is the $120 account fee, which sits on top of the 1% management fee.
Score breakdown
| Area | bevestor | Finhabits |
|---|---|---|
| Cost | 8.7HigherFee of 0.6% against a site median of 0.4%, offset by an entry point of €25 to €500. | 8.1Management fee of 1% against a 0.35% median here, plus an account fee of $120 and a minimum deposit of $0. |
| Offer | 9.0Higher | 8.9 |
| Trust | 8.7 | 8.7 |
Licences and countries
| Country | bevestor | Finhabits |
|---|---|---|
| Germany | Industrie- und Handelskammer Frankfurt am Main D-F-125-9CFN-70 | Not confirmed |
| United States | Not confirmed |
Additional countries for bevestor: 1. Additional countries for Finhabits: 1.
A third option
UNest has management fee at 0.25%, against 0.6% for bevestor and 1% for Finhabits.
UNest reviewHow they place
| Ranking | bevestor | Finhabits |
|---|---|---|
| Stock and ETF brokers | 173 of 471 | 213 of 471 |
| Robo-advisors | 70 of 151 | 93 of 151 |
Every fact side by side
| Fact | bevestor | Finhabits |
|---|---|---|
| Legal entity | bevestor GmbH | Finhabits, Inc. |
| Headquarters | Germany | United States |
| Founded | 2016 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Phone, Help centre |
Brokers
| Fact | bevestor | Finhabits |
|---|---|---|
| Minimum deposit | Not confirmed | $0 |
| Account fee | Not confirmed | $120 |
| Markets | ETFs, Funds | Stocks, ETFs |
| Features | Mobile app | Mobile app |
| Audience | Not confirmed | Beginners |
| Platforms | Bevestor App | Not confirmed |
Where each stands against the rest
| Fact | bevestor | Finhabits | Median |
|---|---|---|---|
| Management fee | 0.6%highest quarter | 1%highest quarter | 0.345% |
| Minimum investment | €25 to €500at the median | Not confirmed | €25 |
Median across 86 listed brokers.
Pros and cons
bevestor
Pros
- Entry starts at €25 to €500, so monthly saving suits the model.
- Portfolios are automated and built from etf and esg, so no holding has to be picked by hand.
- Support runs through email, chat and phone.
Cons
- The management fee of 0.6% is above the site median of 0.4%.
- The range is limited to etfs and funds, so there is no direct share dealing.
- The only account type listed is joint, leaving a single investor without a separate account type.
Finhabits
Pros
- Regulated by the U.S. Securities and Exchange Commission, with investor protection listed as SIPC up to USD 500,000.
- Support runs on email, phone and help centre, so help is easy to reach.
- The portfolio build is etf focused, with picks made for you across stocks and etfs.
Cons
- The $120 account fee is the sting, sitting on top of the 1% management fee.
- The range is limited to stocks and etfs, so there is no wider asset choice.
- Account types come down to ira and roth ira options at a brand based in the United States.
Who each suits
bevestor
Who it suits
- Investors in Germany who want a portfolio managed for them rather than choosing each holding.
- People saving in small amounts who can start from €25 to €500.
- Readers who want phone and chat support, both listed under email, chat and phone.
Who should look elsewhere
- eToro, whose management fee is 0%, suits readers who would rather pick investments themselves.
- Axos Invest, whose minimum investment is $100, suits readers starting with a larger sum.
- Vivid Standard, with management fees running 0.5% to 1.5%, suits readers who weigh the fee line most heavily.
Finhabits
Who it suits
- US beginners, since the service is built for beginners.
- Savers who want the holdings chosen for them across stocks and etfs.
- People already investing for retirement, matching the ira and roth ira list.
Who should look elsewhere
- Readers who want to pay nothing on management can start with eToro, where the fee is 0%.
- Anyone after a wider fee band should look at Vivid Standard, at 0.5% to 1.5%.
- Investors who treat the protection scheme as the deciding factor can also check Axos Invest, which names SIPC.
Country by country
| Country | bevestor | Finhabits |
|---|---|---|
| Germany | Yes | No |
| United States | No | Yes |
Questions about each
bevestor
How much does bevestor charge?+
bevestor charges a management fee of 0.6% for running the portfolio. The portfolio is built from etfs and funds, so the fee pays for ongoing management rather than individual trade dealing, and the whole account is handled in the bevestor App.
How much do I need to start?+
The minimum investment runs €25 to €500, which sits at the site median of €25. That keeps bevestor reachable for people setting aside small monthly amounts rather than committing a large lump sum on day one.
Finhabits
What does Finhabits cost to run an account?+
Finhabits charges a management fee of 1% on the portfolio and an account fee of $120. The account fee is the part to watch, since it is a flat charge on top of the percentage. The median management fee across the robo-advisors compared here is 0.35%.
How much do I need to put in before I can start?+
The minimum deposit is $0, so there is no floor to clear before saving begins. Accounts come as ira and roth ira options, which decides the wrapper you hold. The listed feature is mobile app, so the app is the main way in.
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