Updated September 28, 2026 · BrokerCue Editorial Team
Ginmon vs quirion
Where Ginmon and quirion differ
| Compare |  Ginmon |  quirion |
|---|---|---|
| Management fee | 0.75% | 0.48%Lower |
| Minimum investment | €1 | €0Lower |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung HessenCovers more | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) |
| Account types | Corporate | Joint |
Same on both: Investor protection (EU ICS up to EUR 20,000), Portfolio types (ETF, ESG, Cash).
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Key differences
- Regulators: only Ginmon offers Deutsche Bundesbank, Hauptverwaltung Hessen.
- Founded is lower at quirion: 2013 vs 2014.
- Management fee is lower at quirion: 0.48% vs 0.75%.
- Minimum investment is lower at quirion: €0 vs €1.
- Account types: only Ginmon offers Corporate.
- Account types: only quirion offers Joint.
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.
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 | Ginmon | quirion |
|---|---|---|
| Cost | 8.9Management fee of 0.75% is above both the robo-advisor median of 0.35% and the site median of 0.4%. | 9.4HigherManagement fee of 0.48% with a minimum investment of €0 and no charge on deposits or withdrawals. |
| Offer | 9.2 | 9.2 |
| Trust | 9.4Higher | 9.0 |
Choosing between them
Pick Ginmon if trust and regulators matter most.
Pick quirion if cost, management fee, and minimum investment matter most.
Side by side, item by item
| Portfolio types | Ginmon | quirion |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | Yes |
| Cash | Yes | Yes |
| Account types | Ginmon | quirion |
|---|---|---|
| Joint | No | Yes |
| Corporate | Yes | No |
How they place
| Ranking | Ginmon | quirion |
|---|---|---|
| Stock and ETF brokers | 99 of 471 | 102 of 471 |
| Robo-advisors | 29 of 151 | 33 of 151 |
Every fact side by side
| Fact | Ginmon | quirion |
|---|---|---|
| Legal entity | Ginmon Vermögensverwaltung GmbH | quirion AG |
| Headquarters | Germany | Germany |
| Founded | 2014 | 2013Lower |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Phone, Help centre |
Brokers
| Fact | Ginmon | quirion |
|---|---|---|
| Minimum deposit | €1Lower | €25 |
| Markets | ETFs, Funds | ETFs, Funds |
| Features | Not confirmed | Mobile app |
| Deposit and withdrawal fees | Free deposits and withdrawals | free deposits and withdrawals |
Where each stands against the rest
| Fact | Ginmon | quirion | Median |
|---|---|---|---|
| Management fee | 0.75%highest quarter | 0.48%above the median | 0.345% |
| Minimum investment | €1lowest quarter | €0lowest quarter | €25 |
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
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
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)
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 | Ginmon | quirion |
|---|---|---|
| Germany | Yes | 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.
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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