Updated October 13, 2026 · BrokerCue Editorial Team
Ginmon vs Moneybox
Where Ginmon and Moneybox differ
| Compare |  Ginmon |  Moneybox |
|---|---|---|
| Minimum investment | €1 | £1 |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen | Financial Conduct Authority |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account types | Corporate | ISA, Lisa, Jisa, SIPP |
| Portfolio types | ETF, ESG, CashCovers more | ETF, Cash |
| Management fee | 0.75% | Not confirmed |
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Key differences
- Regulators: only Ginmon offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen.
- Regulators: only Moneybox offers Financial Conduct Authority.
- Account types: only Ginmon offers Corporate.
- Account types: only Moneybox offers ISA, Lisa, Jisa.
- Portfolio types: only Ginmon offers ESG.
- Support channels: only Ginmon offers Email, Chat, Phone.
Our verdict on each
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.
Moneybox
Moneybox trades broad market choice for simplicity by focusing on ISAs, savings and pensions in one place. For newcomers who want everyday saving, first home planning and long term investing guided in plain English, it keeps every goal together for customers across the UK.
Score breakdown
| Area | Ginmon | Moneybox |
|---|---|---|
| Cost | 8.9Management fee of 0.75% is above both the robo-advisor median of 0.35% and the site median of 0.4%. | Not confirmed |
| Offer | 9.2Higher | 9.0 |
| Trust | 9.4Higher | 8.6 |
Licences and countries
| Country | Ginmon | Moneybox |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 712935 |
Additional countries for Ginmon: 1. Additional countries for Moneybox: 1.
Side by side, item by item
| Portfolio types | Ginmon | Moneybox |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | No |
| Cash | Yes | Yes |
| Account types | Ginmon | Moneybox |
|---|---|---|
| ISA | No | Yes |
| SIPP | No | Yes |
| Corporate | Yes | No |
Where these facts come from
Ginmon
- ginmon.de: 10 facts, checked September 26, 2026
Moneybox
- moneyboxapp.com: 5 facts, checked September 26, 2026
- moneybox.co.uk: 3 facts, checked September 26, 2026
How they place
| Ranking | Ginmon | Moneybox |
|---|---|---|
| Stock and ETF brokers | 99 of 471 | 384 of 471 |
| Robo-advisors | 29 of 151 | 122 of 151 |
Every fact side by side
| Fact | Ginmon | Moneybox |
|---|---|---|
| Legal entity | Ginmon Vermögensverwaltung GmbH | Digital Moneybox Limited |
| Headquarters | Germany | United Kingdom |
| Founded | 2014 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Help centre |
Brokers
| Fact | Ginmon | Moneybox |
|---|---|---|
| Minimum deposit | €1 | Not confirmed |
| Markets | ETFs, Funds | Stocks, ETFs, FundsCovers more |
| Features | Not confirmed | Mobile app, Fractional shares, Demo account |
| Audience | Not confirmed | Beginners |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
Where each stands against the rest
| Fact | Ginmon | Moneybox | Median |
|---|---|---|---|
| Management fee | 0.75%highest quarter | Not confirmed | 0.345% |
Median across 86 listed brokers.
Pros and cons
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
Moneybox
Pros
- Covers cash savings, ISAs, first home saving and pensions together
- Supports combining old pensions into one easy to manage plan
- Welcomes beginners with plain guidance for long term goals
Cons
- Focused range around ISAs, savings and pensions only
- UK centred offer for customers planning home and retirement goals
- Long term focus with less choice for active market trading
Who each suits
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)
Moneybox
Who it suits
- First home savers planning a deposit
- Beginners building long term ISA investments
- Pension holders wanting combined pots
Who should look elsewhere
- Active traders seeking wide market choice
Country by country
| Country | Ginmon | Moneybox |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | Yes |
Questions about each
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.
Moneybox
What accounts can you open with Moneybox?+
You can open a Cash ISA for everyday savings, a Lifetime ISA for a first home, and a Stocks and Shares ISA for long term investing. You can also open a Personal Pension and use general savings accounts to build funds for different life goals.
Which countries does Moneybox serve?+
Moneybox serves customers across the UK who want to save, invest and plan retirement in one place. Its Lifetime ISA content focuses on first time home ownership in the UK. Its pension content focuses on finding and combining existing UK pension pots.
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