Updated September 28, 2026 · BrokerCue Editorial Team
Ginmon vs Stash
Where Ginmon and Stash differ
| Compare |  Ginmon |  Stash |
|---|---|---|
| Management fee | 0.75% | $108 to $144 |
| Minimum investment | €1 | $5 |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen | SEC, FINRA |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Account types | Corporate | IRA, Roth IRA |
| Portfolio types | ETF, ESG, CashCovers more | ETF |
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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 Stash offers SEC, FINRA.
- Founded is lower at Ginmon: 2014 vs 2015.
- Account types: only Ginmon offers Corporate.
- Account types: only Stash offers IRA, Roth IRA.
- Portfolio types: only Ginmon offers ESG, Cash.
- 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.
Stash
Stash suits US beginners who want a retirement pot built from a phone rather than a wide market. Trades cost $0 and the minimum deposit is free, but the account fee of $144 a year is the price of that simplicity.
Score breakdown
| Area | Ginmon | Stash |
|---|---|---|
| Cost | 8.9Management fee of 0.75% is above both the robo-advisor median of 0.35% and the site median of 0.4%. | 9.1HigherA free minimum deposit and $0 trades rank 1 of 213 and 1 of 161, but the $144 account fee is the weight. |
| Offer | 9.2Higher | 8.8 |
| Trust | 9.4Higher | 9.0 |
Where these facts come from
Ginmon
- ginmon.de: 10 facts, checked September 26, 2026
Stash
- stash.com: 10 facts, checked September 26, 2026
How they place
| Ranking | Ginmon | Stash |
|---|---|---|
| Stock and ETF brokers | 99 of 471 | 148 of 471 |
| Robo-advisors | 29 of 151 | 57 of 151 |
Every fact side by side
| Fact | Ginmon | Stash |
|---|---|---|
| Legal entity | Ginmon Vermögensverwaltung GmbH | Stash Investments LLC |
| Headquarters | Germany | United States |
| Founded | 2014Lower | 2015 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Help centre |
Brokers
| Fact | Ginmon | Stash |
|---|---|---|
| Minimum deposit | €1 | $0 |
| Stock trade fee | Not confirmed | $0 |
| Account fee | Not confirmed | $144 |
| Markets | ETFs, Funds | Stocks, ETFs |
| Features | Not confirmed | Fractional shares, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Audience | Not confirmed | Beginners |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Platforms | Not confirmed | Web, iOS, Android |
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
Stash
Pros
- Stock trades cost $0 and the model is commission-free, so small orders carry no per-trade charge.
- The portfolio option is an etf portfolio alongside ira and roth ira accounts, which keeps retirement saving in one place.
- Access runs through Web, iOS and Android, and fractional shares spread small contributions across holdings.
Cons
- The account fee of $144 a year leaves Stash at 134 of 138 brands on that measure, while eToro lists $0.
- Support runs on help centre only, so questions about a retirement account are left to articles.
- Trading is limited to stocks and etfs with an etf portfolio, so there is no forex, crypto or CFD route.
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)
Stash
Who it suits
- US beginners who want a retirement account, a phone app and a small starting amount rather than a wide market.
- Long-term savers content to hold stocks and etfs and an etf portfolio without picking markets themselves.
- Readers who weigh regulation first, since Stash is registered with SEC and FINRA in the US.
Who should look elsewhere
- Readers who want forex, crypto or CFDs, since CFI lists stocks, etfs and forex.
- Anyone put off by a yearly charge, as eToro lists $0 for its account.
- Readers who prefer a provider with a published entry figure, such as Vantage at $5, rather than a free minimum deposit.
Current offers
Stash
Current offer
Free trial
Try Stash for 7 days: 7-day trial
new Stash Plan subscriptions
Source, checked September 26, 2026
Country by country
| Country | Ginmon | Stash |
|---|---|---|
| Germany | Yes | No |
| United States | 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.
Stash
How much does Stash cost to run?+
Running the plan costs a management fee of $108 to $144 a year, and the account fee is $144. Stock trades cost $0 and the model is commission-free, so the charge sits with the subscription rather than the order. The site median account fee is €0, so Stash sits at the dear end of the table.
How much do I need to start?+
The minimum deposit is free, and the minimum investment is $5, so an account can be opened at a size that suits a monthly habit rather than a lump sum. Stash ranks 1 of 213 brands on this measure, against a site median of €4.64.
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