Updated September 29, 2026 · BrokerCue Editorial Team
Evergreen GmbH vs Finhabits
Where Evergreen GmbH and Finhabits differ
| Compare |  Evergreen GmbH |  Finhabits |
|---|---|---|
| Management fee | 0.79%Lower | 1% |
| Regulators | Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank | U.S. Securities and Exchange Commission (SEC) |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Portfolio types | ESG, Cash | ETF |
| Minimum investment | €1 | Not confirmed |
| Account types | Not confirmed | IRA, Roth IRA |
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Key differences
- Evergreen GmbH scores higher overall: 9.2 vs 8.5.
- Regulators: only Evergreen GmbH offers Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank.
- Regulators: only Finhabits offers U.S. Securities and Exchange Commission (SEC).
- Management fee is lower at Evergreen GmbH: 0.79% vs 1%.
- Portfolio types: only Evergreen GmbH offers ESG, Cash.
- Portfolio types: only Finhabits offers ETF.
Our verdict on each
Evergreen GmbH
Evergreen is a German robo-advisor that suits beginners saving steadily in a single currency rather than trading. It charges a management fee of 0.79%, accepts a minimum deposit of €1, and holds a Bundesanstalt fuer Finanzdienstleistungsaufsicht licence alongside Deutsche Bundesbank oversight.
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 | Evergreen GmbH | Finhabits |
|---|---|---|
| Cost | 8.8HigherManagement fee of 0.79% against a category median of 0.35%, with an account fee of €0. | 8.1Management fee of 1% against a 0.35% median here, plus an account fee of $120 and a minimum deposit of $0. |
| Offer | 8.9 | 8.9 |
| Trust | 9.7Higher | 8.7 |
Where each is licensed and available
| Country | Evergreen GmbH | Finhabits |
|---|---|---|
| Germany | Not confirmed | |
| United States | Not confirmed |
Additional countries for Evergreen GmbH: 1. Additional countries for Finhabits: 1.
The bill, worked out
10,000 invested for a year
Evergreen GmbH
79
0.79% of 10,000
Finhabits
100
1% of 10,000
Evergreen GmbH comes out 21 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.
Feature by feature
| Portfolio types | Evergreen GmbH | Finhabits |
|---|---|---|
| ETF | No | Yes |
| ESG | Yes | No |
| Cash | Yes | No |
Also worth a look
UNest has management fee at 0.25%, against 0.79% for Evergreen GmbH and 1% for Finhabits.
UNest reviewWhat we checked
Evergreen GmbH
- evergreen.de: 8 facts, checked September 26, 2026
Finhabits
- finhabits.com: 7 facts, checked September 26, 2026
- flexoffers.com: 1 fact, checked September 26, 2026
How they place
| Ranking | Evergreen GmbH | Finhabits |
|---|---|---|
| Brokers for beginners | 31 of 88 | 62 of 88 |
| Robo-advisors | 27 of 151 | 93 of 151 |
Every fact side by side
| Fact | Evergreen GmbH | Finhabits |
|---|---|---|
| Legal entity | Evergreen GmbH | Finhabits, Inc. |
| Headquarters | Germany | United States |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Brokers
| Fact | Evergreen GmbH | Finhabits |
|---|---|---|
| Minimum deposit | €1 | $0 |
| Account fee | €0 | $120 |
| Markets | Funds | Stocks, ETFs |
| Features | Not confirmed | Mobile app |
| Audience | Beginners | Beginners |
| Interest on cash | 3.25% | Not confirmed |
Where each stands against the rest
| Fact | Evergreen GmbH | Finhabits | Median |
|---|---|---|---|
| Management fee | 0.79%highest quarter | 1%highest quarter | 0.345% |
| Minimum investment | €1lowest quarter | Not confirmed | €25 |
Median across 86 listed brokers.
Pros and cons
Evergreen GmbH
Pros
- Management fee of 0.79% with an account fee of €0, so no separate account charge
- Minimum investment of €1 and a minimum deposit of €1 keep entry small
- Regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and Deutsche Bundesbank, with EU ICS up to EUR 20,000
Cons
- Markets cover funds only, so shares, ETFs and crypto sit outside the plan
- The management fee of 0.79% sits above the robo-advisor median of 0.35%
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
Evergreen GmbH
Who it suits
- Beginners building wealth gradually rather than trading
- Savers in the euro who want the portfolio chosen for them
- People who value a Bundesanstalt fuer Finanzdienstleistungsaufsicht licence and a named deposit protection scheme
Who should look elsewhere
- Anyone wanting shares, ETFs or crypto, since markets cover funds only
- Traders who will not pay a recurring management fee of 0.79%
- Large portfolios needing a minimum investment above €1
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 | Evergreen GmbH | Finhabits |
|---|---|---|
| Germany | Yes | No |
| United States | No | Yes |
Questions about each
Evergreen GmbH
How much does Evergreen charge to manage my money?+
Evergreen charges a management fee of 0.79% on your portfolio. There is no separate account charge, since the account fee is €0. The fee sits above the robo-advisor median of 0.35%, so it is the running cost to weigh.
Who regulates Evergreen and what protects my money?+
Evergreen GmbH is supervised by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and Deutsche Bundesbank in Germany. Deposits are covered by the scheme stated as EU ICS up to EUR 20,000, which sets the compensation level if the firm fails.
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.
Other options to compare
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