Updated September 29, 2026 · BrokerCue Editorial Team
Evergreen GmbH vs Fintual
What sets them apart
| Compare |  Evergreen GmbH |  Fintual |
|---|---|---|
| Management fee | 0.79%Lower | 1.19% |
| Minimum investment | €1 | CLP 0 |
| Regulators | Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank | Comision para el Mercado Financiero (CMF), Comision Nacional Bancaria y de Valores (CNBV) |
| Portfolio types | ESG, Cash | ETF |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Account types | Not confirmed | Corporate |
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Key differences
- Evergreen GmbH scores higher overall: 9.2 vs 8.8.
- Regulators: only Evergreen GmbH offers Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank.
- Regulators: only Fintual offers Comision para el Mercado Financiero (CMF), Comision Nacional Bancaria y de Valores (CNBV).
- Management fee is lower at Evergreen GmbH: 0.79% vs 1.19%.
- Portfolio types: only Evergreen GmbH offers ESG, Cash.
- Portfolio types: only Fintual offers ETF.
- Support channels: only Evergreen GmbH offers Phone.
- Support channels: only Fintual offers Chat.
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.
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 | Evergreen GmbH | Fintual |
|---|---|---|
| Cost | 8.8HigherManagement fee of 0.79% against a category median of 0.35%, with an account fee of €0. | 8.0The management fee of 1.19% is above the robo-advisor median, offset by a minimum investment of CLP 0. |
| Offer | 8.9Higher | 8.6 |
| Trust | 9.7 | 9.7 |
What it costs in practice
10,000 invested for a year
Evergreen GmbH
79
0.79% of 10,000
Fintual
119
1.19% of 10,000
Evergreen GmbH comes out 40 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.
How they place
| Ranking | Evergreen GmbH | Fintual |
|---|---|---|
| Brokers for beginners | 31 of 88 | 48 of 88 |
| Robo-advisors | 27 of 151 | 73 of 151 |
Where each is licensed and available
| Country | Evergreen GmbH | Fintual |
|---|---|---|
| Germany | Not confirmed |
What each covers
| Portfolio types | Evergreen GmbH | Fintual |
|---|---|---|
| ETF | No | Yes |
| ESG | Yes | No |
| Cash | Yes | No |
Every fact side by side
| Fact | Evergreen GmbH | Fintual |
|---|---|---|
| Legal entity | Evergreen GmbH | Fintual Administradora General de Fondos S.A. |
| Headquarters | Germany | Chile |
| Support channels | Email, Phone, Help centre | Chat, Email, Help centre |
Brokers
| Fact | Evergreen GmbH | Fintual |
|---|---|---|
| Minimum deposit | €1 | CLP 1 |
| Account fee | €0 | Not confirmed |
| Markets | Funds | Stocks, ETFs, FundsCovers more |
| Features | Not confirmed | Fractional shares, Mobile app, Demo account |
| Pricing model | Not confirmed | Low fees |
| Audience | Beginners | Beginners |
| Deposit and withdrawal fees | Not confirmed | Free fund transfers |
| Platforms | Not confirmed | Mobile app, Web |
| Interest on cash | 3.25% | Not confirmed |
Where each stands against the rest
| Fact | Evergreen GmbH | Fintual | Median |
|---|---|---|---|
| Management fee | 0.79%highest quarter | 1.19%highest quarter | 0.35% |
Median across 87 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%
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
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
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 | Evergreen GmbH | Fintual |
|---|---|---|
| Germany | Yes | No |
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.
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.