Updated September 29, 2026 · BrokerCue Editorial Team
Finhabits vs Smartbroker
Finhabits vs Smartbroker: the differences
| Compare |  Finhabits |  Smartbroker |
|---|---|---|
| Minimum deposit | $0 | €0 |
| Account fee | $120 | €0 |
| Markets | Stocks, ETFs | Stocks, ETFs, Crypto, Bonds, Funds, MetalsCovers more |
| Regulators | U.S. Securities and Exchange Commission (SEC) | Federal Financial Supervisory Authority (BaFin) |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Platforms | Not confirmed | Web, App |
| Account types | IRA, Roth IRA | Not confirmed |
| Interest on cash | Not confirmed | 2.25% |
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Key differences
- Smartbroker scores higher overall: 9.4 vs 8.5.
- Regulators: only Finhabits offers U.S. Securities and Exchange Commission (SEC).
- Regulators: only Smartbroker offers Federal Financial Supervisory Authority (BaFin).
- Markets: only Smartbroker offers Crypto, Bonds, Funds.
- Features: only Smartbroker offers Crypto.
Our verdict on each
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.
Smartbroker
Smartbroker runs a European brokerage with a €0 account fee and a €0 minimum deposit, which puts it at 1 on the site for deposit levels. It suits investors who want stocks, ETFs, funds and crypto in one account and would rather not pay a monthly charge.
Score breakdown
| Area | Finhabits | Smartbroker |
|---|---|---|
| Cost | 8.1Management fee of 1% against a 0.35% median here, plus an account fee of $120 and a minimum deposit of $0. | 9.5Higher |
| Offer | 8.9 | 9.2HigherLow-fees model across stocks, etfs and crypto, supervised by BaFin and Federal Financial Supervisory Authority (BaFin) and reachable on email, phone and help centre. |
| Trust | 8.7 | 9.5Higher |
Availability and regulation
| Country | Finhabits | Smartbroker |
|---|---|---|
| Germany | Not confirmed | Federal Financial Supervisory Authority (BaFin) MiCA CASP 391200N0BYCZF2F43264 |
| United States | Not confirmed |
Additional countries for Finhabits: 1. Additional countries for Smartbroker: 1.
Where these facts come from
Finhabits
- finhabits.com: 9 facts, checked September 26, 2026
- finder.com: 1 fact, checked September 26, 2026
- flexoffers.com: 1 fact, checked September 26, 2026
Smartbroker
- smartbrokerplus.de: 10 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
How they place
| Ranking | Finhabits | Smartbroker |
|---|---|---|
| Stock and ETF brokers | 213 of 471 | 60 of 471 |
Every fact side by side
| Fact | Finhabits | Smartbroker |
|---|---|---|
| Features | Mobile app | Crypto, Mobile appCovers more |
| Pricing model | Not confirmed | Low fees |
| Audience | Beginners | Not confirmed |
| Legal entity | Finhabits, Inc. | Smartbroker AG |
| Headquarters | United States | Germany |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Finhabits | Smartbroker | Median |
|---|---|---|---|
| Interest on cash | Not confirmed | 2.25%below the median | 3% |
Median across 43 listed brokers.
Pros and cons
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.
Smartbroker
Pros
- Account fee of €0, matching the $0 account fee at eToro and sitting at 1 among 138 brands on account fee.
- Nothing to pay to open, with a minimum deposit of €0 against a site median of €4.64.
- One account covers stocks, etfs and crypto.
Cons
- Protection is limited to what the scheme pays, listed as EU ICS up to EUR 20,000, so larger balances rely on your own holdings.
- Support runs on email, phone and help centre only, with no live chat listed.
- Markets stop at stocks, etfs and crypto, with no forex, options or futures listed.
Who each suits
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.
Smartbroker
Who it suits
- European investors who want a German-regulated account holding stocks, etfs and crypto under one roof.
- Anyone with spare cash to park while they decide, with 2.25% on the daily deposit account.
- People who trade away from a desk, since access runs through Web and App.
Who should look elsewhere
- Vantage, if you would rather start against a published floor of $5 than an open entry of €0.
- eToro, if your trading runs past the stocks, etfs and crypto list here and you want to weigh its range against Smartbroker's.
- Anyone holding a large cash balance, since protection is listed as EU ICS up to EUR 20,000.
Country by country
| Country | Finhabits | Smartbroker |
|---|---|---|
| Germany | No | Yes |
| United States | Yes | No |
Questions about each
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.
Smartbroker
What does Smartbroker charge to hold an account?+
The account fee is €0, so there is no monthly charge for keeping the account open. Entry is also open, with a minimum deposit of €0. Trading costs still apply on individual orders, and the pricing page is where per-trade charges are set out.
Is my money protected at Smartbroker?+
Smartbroker is regulated by BaFin and Federal Financial Supervisory Authority (BaFin), and the listed investor protection is EU ICS up to EUR 20,000. The German regulator supervises the firm, while the compensation scheme pays out on eligible balances up to the stated limit.
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