Updated September 29, 2026 · BrokerCue Editorial Team
Freedom24 vs quirion
What sets them apart
| Compare |  Freedom24 |  quirion |
|---|---|---|
| Minimum deposit | €0Lower | €25 |
| Markets | Stocks, ETFs, Options, Bonds | ETFs, Funds |
| Regulators | CySEC | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) |
| Deposit and withdrawal fees | EUR 7 per withdrawal | free deposits and withdrawals |
| Stock trade fee | €2 | Not confirmed |
| Account fee | €0 | Not confirmed |
| Inactivity fee | €0 | Not confirmed |
| Currency conversion fee | 0.005% | Not confirmed |
| Options contract fee | $0.65 | Not confirmed |
| Platforms | Freedom24 App, Freedom24 Web | Not confirmed |
| Account types | Not confirmed | Joint |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- quirion scores higher overall: 9.2 vs 8.9.
- Regulators: only Freedom24 offers CySEC.
- Regulators: only quirion offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).
- Minimum deposit is lower at Freedom24: €0 vs €25.
- Markets: only Freedom24 offers Stocks, Options, Bonds.
- Markets: only quirion offers Funds.
- Features: only Freedom24 offers Options.
Our verdict on each
Freedom24
Freedom24 suits European investors who want stocks, ETFs, options and bonds under one CySEC-regulated roof, and who would rather not pay an annual account charge of €0. A euro minimum deposit of €0 keeps entry easy, while per-deal trading costs make it a better fit for occasional buyers than for frequent traders.
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 | Freedom24 | quirion |
|---|---|---|
| Cost | 9.2Cost is middling: account fee €0 and minimum deposit €0 are nil, but €2 per deal is high against the €0 median. | 9.4HigherManagement fee of 0.48% with a minimum investment of €0 and no charge on deposits or withdrawals. |
| Offer | 8.9 | 9.2Higher |
| Trust | 8.7 | 9.0Higher |
Feature by feature
| Markets | Freedom24 | quirion |
|---|---|---|
| Stocks | Yes | No |
| ETFs | Yes | Yes |
| Options | Yes | No |
| Bonds | Yes | No |
| Funds | No | Yes |
Licences and countries
| Country | Freedom24 | quirion |
|---|---|---|
| Cyprus | CySEC 275/15 | Not confirmed |
| Germany | Not confirmed |
How they place
| Ranking | Freedom24 | quirion |
|---|---|---|
| Stock and ETF brokers | 161 of 471 | 102 of 471 |
Sources behind this comparison
Freedom24
- forex.wikibit.com: 3 facts, checked September 26, 2026
- matchmybroker.com: 3 facts, checked September 26, 2026
- ucits-etfs.com: 3 facts, checked September 26, 2026
- beinoption.vercel.app: 2 facts, checked September 26, 2026
- eupersonalfinance.eu: 2 facts, checked September 26, 2026
quirion
- quirion.de: 9 facts, checked September 26, 2026
- bafin.de: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Freedom24 | quirion |
|---|---|---|
| Features | Options, Mobile appCovers more | Mobile app |
| Legal entity | Freedom Finance Europe Ltd | quirion AG |
| Headquarters | Cyprus | Germany |
| Founded | 2013 | 2013 |
| Support channels | Not confirmed | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Freedom24 | quirion | Median |
|---|---|---|---|
| Minimum deposit | €0below the median | €25above the median | €1 |
| Stock trade fee | €2above the median | Not confirmed | €1 |
| Account fee | €0at the median | Not confirmed | €0 |
| Inactivity fee | €0below the median | Not confirmed | €2.45 |
| Currency conversion fee | 0.005%lowest quarter | Not confirmed | 0.45% |
| Options contract fee | $0.65above the median | Not confirmed | $0.625 |
Median across 53 listed brokers.
Pros and cons
Freedom24
Pros
- Account fee €0 and inactivity fee €0 leave the cost of holding an account at nil.
- A minimum deposit of €0 sits well under the €6.17 median for stock brokers.
- A single account covers stocks, etfs and options, so an ETF, a bond and an option sit together.
Cons
- A stock trade fee of €2 ranks 126 of 161 on the site, well behind the field.
- Withdrawals cost EUR 7 per withdrawal each.
- Currency conversion is charged at 0.005% on positions held outside the euro.
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
Freedom24
Who it suits
- Investors who want stocks, etfs and options in one account with an account fee of €0.
- Savers who prefer a euro starting point of €0 and a firm authorised in Cyprus under 275/15.
- People who trade from a phone as well as a browser, since Freedom24 App and Freedom24 Web lists the Freedom24 App and web platform.
Who should look elsewhere
- eToro, if the cost of each trade decides it, because its stock trade fee is $0.
- Vantage, if you would rather start with a deposit of $5 than fund the account from the first unit.
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
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 | Freedom24 | quirion |
|---|---|---|
| Germany | No | Yes |
Questions about each
Freedom24
What does a trade cost at Freedom24?+
A stock trade costs €2, with options at $0.65 per contract and currency conversion at 0.005%. That per-deal cost is the number to weigh, since the account fee of €0 adds nothing to it.
Is there an account fee or an inactivity charge?+
The account fee is €0 and the inactivity fee is €0. Both rank 1 on the site, so an unused account does not start costing money. That suits investors who top up in small amounts rather than trading often.
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.
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