Updated September 28, 2026 · BrokerCue Editorial Team
Finax vs quirion
Where Finax and quirion differ
| Compare |  Finax |  quirion |
|---|---|---|
| Management fee | 0.65% to 1% | 0.48%Lower |
| Minimum investment | €10 | €0Lower |
| Regulators | National Bank of Slovakia | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) |
| Portfolio types | ETF | ETF, ESG, CashCovers more |
| Account types | Not confirmed | Joint |
Same on both: Investor protection (EU ICS up to EUR 20,000).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- quirion scores higher overall: 9.2 vs 8.6.
- Regulators: only Finax offers National Bank of Slovakia.
- Regulators: only quirion offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).
- Founded is lower at quirion: 2013 vs 2018.
- Management fee is lower at quirion: 0.48% vs 0.65% to 1%.
- Minimum investment is lower at quirion: €0 vs €10.
- Portfolio types: only quirion offers ESG, Cash.
- Support channels: only quirion offers Chat.
Our verdict on each
Finax
Finax suits beginners in Slovakia who want a robo-advisor with a low entry point, since the minimum investment is €10. The cost trade-off is the management fee of 0.65% to 1%, above the robo-advisor median of 0.35%, so the fee matters most over a long holding period.
quirion
quirion suits German and European savers who want a ready-made portfolio, with regulation by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and money held under the EU investor compensation scheme. A minimum investment of €0 makes it easy to begin, though the ongoing fee is higher than at some rivals.
Score breakdown
| Area | Finax | quirion |
|---|---|---|
| Cost | 8.8Management fee of 0.65% to 1% sits above the robo-advisor median of 0.35%, against a low €10 entry. | 9.4HigherManagement fee of 0.48% with a minimum investment of €0 and no charge on deposits or withdrawals. |
| Offer | 8.6 | 9.2Higher |
| Trust | 8.4 | 9.0Higher |
How they place
| Ranking | Finax | quirion |
|---|---|---|
| Stock and ETF brokers | 205 of 471 | 102 of 471 |
| Robo-advisors | 91 of 151 | 33 of 151 |
The bill, worked out
10,000 invested for a year
Finax
65 to 100
0.65% to 1% of 10,000
quirion
48
0.48% of 10,000
quirion comes out 17 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.
What each covers
| Portfolio types | Finax | quirion |
|---|---|---|
| ETF | Yes | Yes |
| ESG | No | Yes |
| Cash | No | Yes |
Sources behind this comparison
Finax
- finax.eu: 9 facts, checked September 26, 2026
quirion
- quirion.de: 8 facts, checked September 26, 2026
- bafin.de: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Finax | quirion |
|---|---|---|
| Legal entity | Finax, o.c.p. a.s. | quirion AG |
| Headquarters | Slovakia | Germany |
| Founded | 2018 | 2013Lower |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Brokers
| Fact | Finax | quirion |
|---|---|---|
| Minimum deposit | €10Lower | €25 |
| Markets | ETFs, Stocks, Bonds | ETFs, Funds |
| Features | Mobile app | Mobile app |
| Pricing model | Low fees | Not confirmed |
| Audience | Beginners | Not confirmed |
| Deposit and withdrawal fees | No deposit fee | free deposits and withdrawals |
Where each stands against the rest
| Fact | Finax | quirion | Median |
|---|---|---|---|
| Management fee | 0.65% to 1%highest quarter | 0.48%above the median | 0.35 |
| Minimum investment | €10below the median | €0lowest quarter | €25 |
Median across 87 listed brokers.
Pros and cons
Finax
Pros
- The minimum deposit is €10 and the minimum investment is €10, which keeps the starting point small.
- No fee applies to depositing, and support runs through phone, email and help centre.
- The mobile app comes with etf portfolios drawn from etfs, stocks and bonds.
Cons
- The management fee of 0.65% to 1% runs above the robo-advisor median of 0.35%.
- Investor protection is EU ICS up to EUR 20,000, so larger balances sit above the covered cap.
- The investable list is etfs, stocks and bonds, with no wider menu of funds, crypto or metals.
quirion
Pros
- Regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), with money held under the EU investor compensation scheme up to the limit that scheme states
- Portfolio types cover etf, esg and cash, so a cash option sits alongside the ETF and ESG portfolios
- Support runs on email, chat and phone, and a mobile app covers the everyday account tasks
Cons
- The management fee of 0.48% is above the robo-advisor median of 0.35%, so the gap grows with the balance
- Investing covers etfs and funds only, so there is nothing here for readers who want to deal in individual shares
Who each suits
Finax
Who it suits
- Beginners in Slovakia building a first portfolio, with a €10 minimum investment.
- EU investors who want supervised custody and EU ICS up to EUR 20,000 of protection.
- Members who like phone contact, since support covers phone, email and help centre.
Who should look elsewhere
- Day traders, since the account holds etfs, stocks and bonds and etf portfolios rather than a trading screen.
- Anyone comparing a business account, such as Vivid Standard at 0.5% to 1.5%.
- Traders who want a platform showing 0% in management fees, such as eToro.
quirion
Who it suits
- First-time investors who would rather not choose funds and ETFs themselves
- German and European savers who want a regulated provider with a joint account option
- People who want part of their money in a cash portfolio and the rest managed
Who should look elsewhere
- Readers who want to deal in individual shares: quirion covers etfs and funds, so eToro is the closer fit for self-directed trading
- Readers who prefer to commit a larger sum from the start: Axos Invest asks for a minimum investment of $100, against €0 here
Current offers
Finax
Current offer
Bonus
Discount for transferring your investment: 50% of the transferred amount managed free of charge
Applies to transferred investments over 1,000 EUR; account statement proving the termination and amount must be provided within 30 days; discount valid 2 years or until first withdrawal.
Source, checked September 26, 2026
quirion
Current offer
Bonus
Studierendendepot: 50 EUR bonus for your first ETF portfolio: 50 EUR
For students, campaign runs until 16.11.2026
Source, checked September 26, 2026
Country by country
| Country | Finax | quirion |
|---|---|---|
| Germany | No | Yes |
Questions about each
Finax
What does Finax cost to run?+
Finax charges a management fee of 0.65% to 1%, which sits above the robo-advisor median of 0.35%. The minimum deposit is €10 and depositing carries no fee, so the ongoing charge is the figure to weigh.
How much do I need to start investing?+
The minimum investment is €10 and the minimum deposit is €10. That entry sits below the robo-advisor median of €60.06, so modest sums can still build a portfolio.
quirion
What does quirion cost?+
The management fee is 0.48%, taken on the portfolio rather than per trade. Deposits and withdrawals carry no charge, and support comes through email, chat and phone. The fee sits above the robo-advisor median of 0.35%, so a large balance costs more than it would at a lower-fee rival.
Is quirion regulated, and what happens to my money if the firm fails?+
quirion is regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), the German financial supervisor, so it operates under supervision rather than as an informal saving scheme. Money with quirion is covered by the EU investor compensation scheme up to the limit that scheme states. That protection concerns the firm failing, not the market moving against a portfolio.
Other options to compare
Other matchups
- Finax vs growney
- Finax vs bevestor
- Finax vs Moneyfarm
- Finax vs ModernAdvisor
- Finax vs Acorns Checking
- Finax vs Ellevest
- quirion vs Scalable Capital
- quirion vs Moneybox
- quirion vs Ginmon
- quirion vs Mintos
- quirion vs Bitpanda
- quirion vs Empower Personal Dashboard
- quirion vs Kraken
- quirion vs EBC Financial Group
- quirion vs Lightyear