Updated September 28, 2026 · BrokerCue Editorial Team
bevestor vs Fintual
Where bevestor and Fintual differ
| Compare |  bevestor |  Fintual |
|---|---|---|
| Management fee | 0.6%Lower | 1.19% |
| Minimum investment | €25 to €500 | CLP 0 |
| Regulators | Industrie und Handelskammer Frankfurt am Main | Comision para el Mercado Financiero (CMF), Comision Nacional Bancaria y de Valores (CNBV) |
| Account types | Joint | Corporate |
| Portfolio types | ETF, ESGCovers more | ETF |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
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Key differences
- Regulators: only bevestor offers Industrie und Handelskammer Frankfurt am Main.
- Regulators: only Fintual offers Comision para el Mercado Financiero (CMF), Comision Nacional Bancaria y de Valores (CNBV).
- Management fee is lower at bevestor: 0.6% vs 1.19%.
- Account types: only bevestor offers Joint.
- Account types: only Fintual offers Corporate.
- Portfolio types: only bevestor offers ESG.
- Support channels: only bevestor offers Phone.
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.
Fintual
Fintual fits beginners who want a managed ETF portfolio rather than placing their own trades, and its management fee of 1.19% on the corporate account sits above the robo-advisor median. With headquarters in Chile, it works as a single-market option for Chilean savers rather than a choice for UK or European investors.
Score breakdown
| Area | bevestor | Fintual |
|---|---|---|
| Cost | 8.7HigherFee of 0.6% against a site median of 0.4%, offset by an entry point of €25 to €500. | 8.0The management fee of 1.19% is above the robo-advisor median, offset by a minimum investment of CLP 0. |
| Offer | 9.0Higher | 8.6 |
| Trust | 8.7 | 9.7Higher |
The bill, worked out
10,000 invested for a year
bevestor
60
0.6% of 10,000
Fintual
119
1.19% of 10,000
bevestor comes out 59 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Also worth a look
UNest has management fee at 0.25%, against 0.6% for bevestor and 1.19% for Fintual.
UNest reviewHow they place
| Ranking | bevestor | Fintual |
|---|---|---|
| Stock and ETF brokers | 173 of 471 | 177 of 471 |
| Robo-advisors | 70 of 151 | 73 of 151 |
Every fact side by side
| Fact | bevestor | Fintual |
|---|---|---|
| Legal entity | bevestor GmbH | Fintual Administradora General de Fondos S.A. |
| Headquarters | Germany | Chile |
| Founded | 2016 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Chat, Email, Help centre |
Brokers
| Fact | bevestor | Fintual |
|---|---|---|
| Minimum deposit | Not confirmed | CLP 1 |
| Markets | ETFs, Funds | Stocks, ETFs, FundsCovers more |
| Features | Mobile app | Fractional shares, Mobile app, Demo accountCovers more |
| Pricing model | Not confirmed | Low fees |
| Audience | Not confirmed | Beginners |
| Deposit and withdrawal fees | Not confirmed | Free fund transfers |
| Platforms | Bevestor App | Mobile app, Web |
Where each stands against the rest
| Fact | bevestor | Fintual | Median |
|---|---|---|---|
| Management fee | 0.6%highest quarter | 1.19%highest quarter | 0.345% |
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.
Fintual
Pros
- Minimum investment of CLP 0 and a minimum deposit of CLP 1, so a portfolio can start small.
- Fractional shares, a mobile app and a demo account, all listed in fractional shares, mobile app and demo account.
- Fund transfers carry no charge: Free fund transfers.
Cons
- Management fees of 1.19% rank 47 of 49 on cost among the robo-advisors compared.
- Only corporate accounts are listed, so there is no personal investment account to pair it with.
- Support runs on chat, email and help centre only, with no phone line listed.
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.
Fintual
Who it suits
- Beginners, listed as beginners, who want a managed etf portfolio.
- Anyone comfortable with a low fees model and no per-trade dealing.
- Investors who want to practise on the demo account in fractional shares, mobile app and demo account first.
Who should look elsewhere
- eToro, if you want a brand whose management fee is 0%.
- Vivid Standard, if you want business plan fees of 0.5% to 1.5%.
- Axos Invest, if you are starting above $100 rather than from CLP 0.
Country by country
| Country | bevestor | Fintual |
|---|---|---|
| Germany | Yes | No |
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.
Fintual
What does Fintual cost?+
Fintual takes management fees of 1.19% on its corporate account, and the model is listed as low fees. The charge applies to the portfolio each year rather than to each trade, which suits holders rather than active traders.
Is there a minimum amount needed to start?+
The minimum investment is CLP 0 and the minimum deposit is CLP 1, so there is no real floor to clear. A Chilean saver can start with a small transfer and add to the portfolio as the balance allows.