CMC Invest vs Oskar - BrokerCue
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Broker Comparison

CMC Invest vs Oskar

Compare CMC Invest and Oskar 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
Oskar

Oskar

Passive ETF investors in Germany

Oskar is a German robo-advisor offering ETF-based portfolios with five risk levels, automatic rebalancing, kiโ€ฆ

Head-to-head comparison

CMC Invest vs Oskar
Feature CMC Invest Oskar
Minimum deposit ยฃ1 -
Stock trading fee ยฃ0 commission -
Regulators FCA BaFin, Deutsche Bundesbank
Best for App-based long-term investors using ISAs and SIPPs Passive ETF investors in Germany
Markets & account
Stocks
-
ETFs
Funds
-
Multi Currency
-
Isa
-
Sipp
-
Investment Plans
-
Ready Made Portfolios
-

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
Oskar

Oskar

Pros

  • No account opening, deposit, withdrawal, or performance fees
  • Low minimum savings plan of 25 euros per month
  • Five preset risk portfolios covering equities, bonds, gold and commodities
  • Automatic rebalancing when allocations drift more than 6%
  • Dedicated kids account with multi-payer support
  • ESG screening across 50% of portfolio holdings
  • Assets held as segregated property at Baader Bank AG

Cons

  • No individual stock or ETF selection - five preset strategies only
  • Management fee of 1.0% p.a. is above average for portfolios under 10,000 euros
  • No demo or paper trading account
  • Underweight US equities relative to global market cap weighting
  • Customer support response times of 2-5 business days by email
  • German-only platform and service - not available outside Germany
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.

Oskar

Oskar

Oskar is a German robo-advisor offering ETF-based portfolios with five risk levels, automatic rebalancing, kids accounts, and ESG options from 25 euros per month.

Your capital is at risk. Other fees apply.

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