Updated September 29, 2026 · BrokerCue Editorial Team
Freetrade vs Ginmon
What sets them apart
| Compare |  Freetrade |  Ginmon |
|---|---|---|
| Minimum deposit | £1 | €1 |
| Markets | Stocks, ETFs, Bonds, FundsCovers more | ETFs, Funds |
| Regulators | Financial Conduct Authority (FCA) | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Account types | ISA, SIPP, Jisa | Corporate |
| Stock trade fee | £0 | Not confirmed |
| Account fee | £0 | Not confirmed |
| Currency conversion fee | 0.99% | Not confirmed |
| Deposit and withdrawal fees | Not confirmed | Free deposits and withdrawals |
| Platforms | App, Web | Not confirmed |
| Interest on cash | 1% | Not confirmed |
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
- Ginmon scores higher overall: 9.2 vs 8.8.
- Regulators: only Freetrade offers Financial Conduct Authority (FCA).
- Regulators: only Ginmon offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen.
- Founded is lower at Ginmon: 2014 vs 2016.
- Markets: only Freetrade offers Stocks, Bonds.
- Account types: only Freetrade offers ISA, SIPP, Jisa.
- Account types: only Ginmon offers Corporate.
- Support channels: only Ginmon offers Phone.
Our verdict on each
Freetrade
Freetrade suits UK beginners who want to buy shares, ETFs, bonds and funds without paying a dealing charge or an annual account fee. Regulation sits with the Financial Conduct Authority and holdings are covered by the FSCS, though a currency conversion fee of 0.99% applies and support runs on email, chat and help centre only.
Ginmon
Ginmon is a German robo-advisor for corporate investors who want a managed ETF portfolio without a large starting sum. A management fee of 0.75% plus a minimum investment of €1 keeps the entry point low, though the account type is limited to companies.
Score breakdown
| Area | Freetrade | Ginmon |
|---|---|---|
| Cost | 9.0HigherStock trade fees of £0 and an account fee of £0 sit alongside a 0.99% currency conversion charge. | 8.9Management fee of 0.75% is above both the robo-advisor median of 0.35% and the site median of 0.4%. |
| Offer | 9.1A UK platform with isa, sipp and jisa accounts, plus a demo account, fractional shares and stocks, etfs and bonds. | 9.2Higher |
| Trust | 8.5 | 9.4Higher |
What each covers
| Markets | Freetrade | Ginmon |
|---|---|---|
| Stocks | Yes | No |
| ETFs | Yes | Yes |
| Bonds | Yes | No |
| Funds | Yes | Yes |
| Account types | Freetrade | Ginmon |
|---|---|---|
| ISA | Yes | No |
| SIPP | Yes | No |
| Corporate | No | Yes |
| Jisa | Yes | No |
Where they rank in our lists
| Ranking | Freetrade | Ginmon |
|---|---|---|
| Stock and ETF brokers | 179 of 471 | 99 of 471 |
Sources behind this comparison
Freetrade
- freetrade.io: 14 facts, checked September 26, 2026
- en.wikipedia.org: 3 facts, checked September 26, 2026
Ginmon
- ginmon.de: 9 facts, checked September 26, 2026
- robo-advisorfinder.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Freetrade | Ginmon |
|---|---|---|
| Features | Fractional shares, Mobile app, Demo account | Not confirmed |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners | Not confirmed |
| Legal entity | Freetrade Limited | Ginmon Vermögensverwaltung GmbH |
| Headquarters | United Kingdom | Germany |
| Founded | 2016 | 2014Lower |
| Support channels | Email, Chat, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Freetrade | Ginmon | Median |
|---|---|---|---|
| Stock trade fee | £0at the median | Not confirmed | £0 |
| Account fee | £0at the median | Not confirmed | £0 |
| Currency conversion fee | 0.99%highest quarter | Not confirmed | 0.45% |
| Interest on cash | 1%lowest quarter | Not confirmed | 3% |
Median across 43 listed brokers.
Pros and cons
Freetrade
Pros
- Dealing commission of £0 and an account fee of £0 keep the running cost of an ISA, SIPP or Junior ISA low.
- Regulated by the Financial Conduct Authority in the UK, with protection stated as FSCS up to GBP 85,000.
- Fractional shares and a demo account let you size positions in small amounts and practise before committing money.
Cons
- A currency conversion fee of 0.99% applies whenever you hold investments in more than one currency.
- Support runs on email, chat and help centre only, with no phone line listed for account or transfer questions.
- The account range is limited to isa, sipp and jisa, so there is no general investment account for shares outside a wrapper.
Ginmon
Pros
- Minimum investment of €1 keeps the entry point low for corporate investors
- No charge for moving money: Free deposits and withdrawals
- Supervised in Germany by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Deutsche Bundesbank, Hauptverwaltung Hessen, so the firm sits inside the German system
Cons
- Management fee of 0.75% sits above the robo-advisor median of 0.35%
- A private account is not among its account types (corporate)
- Shares are not among its markets (etfs and funds), which cover ETFs and funds
Who each suits
Freetrade
Who it suits
- UK beginners opening a stocks and shares ISA or Junior ISA with small monthly amounts
- Long-term investors who want to hold a simple share and ETF portfolio without a dealing charge
- SIPP holders who prefer an app and web platform to a phone-only service
Who should look elsewhere
- People who need a general investment account outside a tax wrapper
- Investors who trade frequently in several currencies, because the 0.99% conversion fee applies each time
- Anyone who wants to speak to support by phone, as support runs on email, chat and help centre only
Ginmon
Who it suits
- Companies that want a managed portfolio set up with a small starting sum
- Investors happy to hold ETFs and funds rather than place orders
- Anyone in Germany who prefers a firm supervised by BaFin
Who should look elsewhere
- Self-directed traders, who may prefer eToro: its management fee is 0% while Ginmon manages the portfolio for you
- Anyone starting with a larger sum may prefer Axos Invest, whose minimum investment is $100
- Private investors: a personal account is not among the account types (corporate)
Country by country
| Country | Freetrade | Ginmon |
|---|---|---|
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Freetrade
How much does it cost to buy shares on Freetrade?+
The dealing charge is £0 and the account fee is £0. Those two cover the trading and holding side of a stocks and shares ISA, SIPP or Junior ISA. The charge that appears is currency conversion at 0.99%, which only shows up if part of your portfolio sits in another currency.
Who regulates Freetrade and is my money protected?+
Freetrade Limited is regulated in the UK by the Financial Conduct Authority, with register reference 783189. Protection for eligible holdings is stated as FSCS up to GBP 85,000, which is the ceiling the scheme pays if the firm cannot return your money. It covers firm failure rather than market losses.
Ginmon
What does Ginmon charge to manage an account?+
Ginmon charges a management fee of 0.75% on the corporate account it manages, and that is the main ongoing cost. The median management fee across robo-advisors is 0.35%, so you can see how Ginmon compares with the middle of the market.
How much do I need to start investing?+
The minimum investment is €1 and the minimum deposit is €1, so a small first transfer is enough. The median minimum investment across robo-advisors is €60.06, which puts Ginmon's entry point below the middle.
Other options to compare
Other matchups
- Freetrade vs Vanguard
- Freetrade vs eOption
- Freetrade vs Dodl
- Freetrade vs AJ Bell
- Freetrade vs M1
- Freetrade vs GO Markets
- Freetrade vs Smartbroker
- Freetrade vs TradeZero
- Freetrade vs Nutmeg
- Freetrade vs Markets.com
- Freetrade vs Tradier
- Freetrade vs Wealthfront
- Freetrade vs FXOpen
- Freetrade vs XTB
- Freetrade vs NAGA
- Freetrade vs eToro
- Ginmon vs Mintos
- Freetrade vs Bitpanda
- Ginmon vs Empower Personal Dashboard
- Freetrade vs Kraken
- Freetrade vs EBC Financial Group
- Freetrade vs CapTrader
- Ginmon vs Revolut UK