Finanzguru DE review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Finanzguru DE suits German savers who want an ETF portfolio run for retirement, with a regulated parent and covered deposits. Compared with the robo-advisors we list, its account fee sits at the €0 median, so the cost case is modest rather than standout.
Key facts
- Best for
- ETF retirement saving in Germany under a regulated provider
- Regulators
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) (Source, checked September 26, 2026)
- Investor protection
- EU ICS up to EUR 20,000 (Source, checked September 26, 2026)
- Portfolio types
- ETF (Source, checked September 26, 2026)
- Legal entity
- dwins GmbH (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre (Source, checked September 26, 2026)
- Official website
- finanzguru.de
Apps and profiles
- Get the app
- App Store
- Elsewhere
- Wikidatakununu.comfacebook.com
Pros and cons
Pros
- Regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), with deposits covered under EU ICS up to EUR 20,000
- Portfolios are built from etf, the type most robo-advisors use
- Help is available by email and help centre
- A management fee at the 0.4% median across robo-advisors
Cons
- Support runs on email and help centre only, so no live chat or phone help
- A minimum investment above €500 puts many robo-advisor portfolios out of reach
Who it suits
- German savers building a retirement pot with ETFs
- Investors who want the provider regulated in their own market
Who should look elsewhere
- Anyone who wants phone or chat support, since help runs on email and help centre only
- Traders looking for single shares, forex or derivatives, as this is an ETF portfolio service
The company behind it
Finanzguru DE is operated by dwins GmbH, based in Germany. The provider is authorised by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), which is the entry readers should check before trusting a savings plan with their money. Customer service runs on email and help centre, so questions reach the team by email or through the help centre, and written answers rather than a live line.
How Finanzguru DE compares
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Where Finanzguru DE is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold an account?+
Account fees across robo-advisors sit at a €0 median, with most charging nothing and the top of the range reaching €219.24. What you actually pay depends on the plan and provider you pick, so compare the management fee next.
How much do robo-advisors charge to manage money?+
Management fees run at a 0.35% median across robo-advisors, with the lower quartile at 0% and the upper quartile at 0.6%. Fees are taken as a share of your invested money rather than per trade.
What is the smallest amount I can invest?+
Minimum investments range from €0 to €438,481.10, with a median of €60.06. A typical robo-advisor portfolio starts well below the top of that range.
Is my money protected?+
The provider is authorised by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), and its investor protection is EU ICS up to EUR 20,000. That scheme covers eligible deposits up to the stated ceiling if the institution fails.
What can my portfolio hold?+
Portfolios here are built from etf, and ETFs are the most common robo-advisor holding at 86.2%. If you want single shares, currencies or contracts for difference, this is the wrong kind of service.
Do I get a mobile app?+
A mobile app is offered by 92.8% of the robo-advisors we cover. This provider is one of them, though check whether your store account is registered in your own market.
Who is it aimed at?+
Beginners make up 100% of the robo-advisor audience, and day traders almost none at 0%. Robo-advice suits long term savers rather than active traders.
Can I choose a pension wrapper?+
Pension accounts appear on 21.6% of robo-advisor listings, and individual accounts such as an ISA on 21.6%. A retirement portfolio like this is aimed at the German market, so local wrappers apply.
Sources
- finanzguru.de/altersvorsorgedepot checked September 26, 2026
Backs: Portfolio types
“Altersvorsorgedepot: Staatlich gefoerdert in ETFs investieren”
- finanzguru.de/impressum checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“dwins GmbH c/o Design Offices Wiesenhueettenplatz 25 60329 Frankfurt am Main”
- portal.mvp.bafin.de/database/ZahlInstInfo/zahlinst.do checked September 26, 2026
Backs: Investor protection, Regulators, Licences
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Management fee, Minimum investment.