CMC Invest vs LIQID - BrokerCue
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Broker Comparison

CMC Invest vs LIQID

Compare CMC Invest and LIQID side by side: fees, regulation, platforms.

CMC Invest

CMC Invest

App-based long-term investors using ISAs and SIPPs

CMC Invest is an app-based investing platform with ยฃ0 commission, GIA, flexible ISAs, SIPP, stocks, ETFs and โ€ฆ

VS
LIQID

LIQID

Affluent investors seeking digital wealth management

LIQID is a Berlin-based digital wealth manager offering ETF portfolios, actively managed strategies and privaโ€ฆ

Head-to-head comparison

CMC Invest vs LIQID
Feature CMC Invest LIQID
Minimum deposit ยฃ1 -
Stock trading fee ยฃ0 commission -
Regulators FCA BaFin
Best for App-based long-term investors using ISAs and SIPPs Affluent investors seeking digital wealth management
Markets & account
Stocks
-
ETFs
Bonds
-
Funds
Multi Currency
-
Isa
-
Sipp
-
Ready Made Portfolios
-
Money Market Funds
-
Investment Plans
-
Business Account
-

Pros & cons

CMC Invest

CMC Invest

Pros

  • ยฃ0 commission on all in-app trades
  • Core plan has no monthly price plan fee
  • FX fee falls to 0.39% on Premium
  • USD and EUR wallets reduce repeat FX conversions
  • Uninvested cash earns up to 3.30% AER on Premium
  • Transfers can start in-app in as little as 30 seconds
  • Flexible ISAs allow same-year withdrawals and redeposits

Cons

  • Plus costs up to ยฃ6.99/month
  • Premium costs up to ยฃ10.99/month
  • Core FX fee is 0.99%
  • Failed payments or late settlement cost ยฃ25 plus interest
  • Paper documents cost ยฃ3 + VAT per document
  • UK share buys carry 0.50% stamp duty
  • UK share trades over ยฃ10,000 may add a ยฃ1 PTM levy
  • Mutual funds are only on Plus and Premium
LIQID

LIQID

Pros

  • BaFin-regulated with assets held as segregated Sondervermogen
  • Custody at V-Bank with statutory deposit protection up to EUR 100,000
  • Access to private equity, private debt and infrastructure from EUR 20,000 via ELTIF
  • No account opening, deposit, withdrawal or inactivity fees
  • Combination of algorithmic portfolio management and personal advisors
  • 20 investment strategies across passive ETF, sustainable and actively managed approaches
  • Fees up to 60% lower than traditional German wealth management banks

Cons

  • High minimum investment of EUR 100,000 for wealth management strategies excludes most retail investors
  • No demo account available
  • No savings plan or recurring deposit option for wealth management strategies
  • Private markets products carry management and performance fees significantly above ETF strategies
  • Limited to German market - not available to investors outside Germany
  • Select strategy has not consistently outperformed passive alternatives after costs
CMC Invest

CMC Invest

CMC Invest is an app-based investing platform with ยฃ0 commission, GIA, flexible ISAs, SIPP, stocks, ETFs and mutual funds. FX and plan fees vary by tier.

Your capital is at risk. Other fees apply.

LIQID

LIQID

LIQID is a Berlin-based digital wealth manager offering ETF portfolios, actively managed strategies and private markets access to investors from EUR 100,000.

Your capital is at risk. Other fees apply.

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