Updated September 29, 2026 · BrokerCue Editorial Team
Ginmon vs Scalable Capital
Ginmon vs Scalable Capital: the differences
| Compare |  Ginmon |  Scalable Capital |
|---|---|---|
| Management fee | 0.75% | 0.245% to 0.375%Lower |
| Minimum investment | €1Lower | €20 |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen | Federal Financial Supervisory Authority (BaFin) |
| Portfolio types | ETF, ESG, CashCovers more | ETF, ESG |
| Account types | Corporate | Not confirmed |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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 9.0.
- Regulators: only Ginmon offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen.
- Regulators: only Scalable Capital offers Federal Financial Supervisory Authority (BaFin).
- Management fee is lower at Scalable Capital: 0.245% to 0.375% vs 0.75%.
- Minimum investment is lower at Ginmon: €1 vs €20.
- Portfolio types: only Ginmon offers Cash.
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.
Scalable Capital
Scalable Capital suits investors who want to start small and later hand a pot of money to a managed portfolio. The self-directed account takes a minimum deposit of €1, while the managed plan starts from €20 with fees of 0.245% to 0.375% a year.
Score breakdown
| Area | Ginmon | Scalable Capital |
|---|---|---|
| Cost | 8.9Management fee of 0.75% is above both the robo-advisor median of 0.35% and the site median of 0.4%. | 9.3Higher |
| Offer | 9.2 | 9.3HigherCash interest of 2.6%, a mobile app, and managed portfolios across etf and esg options. |
| Trust | 9.4Higher | 8.6 |
Licences and countries
| Country | Ginmon | Scalable Capital |
|---|---|---|
| Germany | Federal Financial Supervisory Authority (BaFin) MiCA CASP 391200Y3EUNL4LTXRP94 |
What each covers
| Portfolio types | Ginmon | Scalable Capital |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | Yes |
| Cash | Yes | No |
Where these facts come from
Ginmon
- ginmon.de: 10 facts, checked September 26, 2026
Scalable Capital
- scalable.capital: 5 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
How they place
| Ranking | Ginmon | Scalable Capital |
|---|---|---|
| Stock and ETF brokers | 99 of 471 | 147 of 471 |
| Robo-advisors | 29 of 151 | 56 of 151 |
Every fact side by side
| Fact | Ginmon | Scalable Capital |
|---|---|---|
| Legal entity | Ginmon Vermögensverwaltung GmbH | Scalable Capital Bank GmbH |
| Headquarters | Germany | Germany |
| Founded | 2014 | 2014 |
| Support channels | Email, Chat, Phone, Help centre | Phone, Chat, Email, Help centre |
Brokers
| Fact | Ginmon | Scalable Capital |
|---|---|---|
| Minimum deposit | €1 | €1 |
| Markets | ETFs, Funds | Stocks, ETFs, Crypto |
| Features | Not confirmed | Mobile app |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Interest on cash | Not confirmed | 2.6% |
Where each stands against the rest
| Fact | Ginmon | Scalable Capital | Median |
|---|---|---|---|
| Management fee | 0.75%highest quarter | 0.245% to 0.375%below the median | 0.345% |
| Minimum investment | €1lowest quarter | €20below the median | €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
Scalable Capital
Pros
- A low entry point of €1 on the self-directed account
- Managed portfolios start from €20 with fees of 0.245% to 0.375%
- Regulated by the Federal Financial Supervisory Authority (BaFin) and deposits sit under EU ICS up to EUR 20,000
Cons
- Managed fees of 0.245% to 0.375% a year sit above the cheapest managed rivals
- Support runs on phone, chat and email only, with no branch or in-person service
- Managed portfolios are limited to etf and esg options, so there is no custom mandate
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)
Scalable Capital
Who it suits
- New investors who want to build a portfolio in a mobile app from a small first deposit
- Savers with a lump sum who want a ready made ETF or ESG portfolio
- Investors who care more about a named regulator and deposit protection than the lowest management fee
Who should look elsewhere
- You want a wider choice of instruments, as stocks, etfs and crypto is a single market cluster rather than a full exchange list
- You need advice built around you, because managed portfolios cover only etf and esg options
- You are comparing the very lowest managed fee, since 0.245% to 0.375% is not the cheapest on the market
Country by country
| Country | Ginmon | Scalable Capital |
|---|---|---|
| Germany | Yes | No |
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.
Scalable Capital
What is the minimum deposit to start investing?+
The self-directed account takes a minimum deposit of €1, so you can open and fund it from a small amount. That entry point is well below the typical requirement, which is one of the reasons people try the app first. You can add to it as your savings grow.
How much does the managed portfolio cost?+
Management fees run at 0.245% to 0.375% a year on the managed side, charged on the portfolio rather than per trade. That sits above the cheapest managed plans elsewhere, so it pays to compare before committing a large lump sum. Smaller pots feel the percentage more.