Updated September 28, 2026 · BrokerCue Editorial Team
Ginmon vs Wealthify
Where Ginmon and Wealthify differ
| Compare |  Ginmon |  Wealthify |
|---|---|---|
| Management fee | 0.75% | 0.6%Lower |
| Minimum investment | €1 | £1,000 to £5,000 |
| 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, SIPP |
| Portfolio types | ETF, ESG, CashCovers more | ESG, Cash |
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Key differences
- Ginmon scores higher overall: 9.2 vs 8.8.
- Regulators: only Ginmon offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen.
- Regulators: only Wealthify offers Financial Conduct Authority.
- Founded is lower at Ginmon: 2014 vs 2016.
- Management fee is lower at Wealthify: 0.6% vs 0.75%.
- Account types: only Ginmon offers Corporate.
- Account types: only Wealthify offers ISA, SIPP.
- Portfolio types: only Ginmon offers ETF.
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.
Wealthify
Wealthify suits UK beginners who want a managed portfolio rather than a dealing account, with a minimum investment of £1,000 to £5,000. The appeal is the managed approach and the ISA and SIPP choice; the drawback is a starting amount well above most rivals.
Score breakdown
| Area | Ginmon | Wealthify |
|---|---|---|
| Cost | 8.9HigherManagement fee of 0.75% is above both the robo-advisor median of 0.35% and the site median of 0.4%. | 8.5Management fee of 0.6%, and a minimum investment running £1,000 to £5,000, both inside the robo-advisor field. |
| Offer | 9.2 | 9.4Higher |
| Trust | 9.4Higher | 8.7 |
How they place
| Ranking | Ginmon | Wealthify |
|---|---|---|
| Stock and ETF brokers | 99 of 471 | 190 of 471 |
| Robo-advisors | 29 of 151 | 81 of 151 |
What we checked
Ginmon
- ginmon.de: 10 facts, checked September 26, 2026
Wealthify
- wealthify.com: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | Ginmon | Wealthify |
|---|---|---|
| Legal entity | Ginmon Vermögensverwaltung GmbH | Wealthify Limited |
| Headquarters | Germany | United Kingdom |
| Founded | 2014Lower | 2016 |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Phone, Help centre |
Brokers
| Fact | Ginmon | Wealthify |
|---|---|---|
| Minimum deposit | €1 | £1,000 |
| Markets | ETFs, Funds | Stocks, ETFs, Bonds, FundsCovers more |
| Features | Not confirmed | Mobile app |
| Pricing model | Not confirmed | Low fees |
| Audience | Not confirmed | Beginners |
| Deposit and withdrawal fees | Free deposits and withdrawals | No fees for deposits, withdrawals or transfers |
| Platforms | Not confirmed | Web, iOS app, Android app |
Where each stands against the rest
| Fact | Ginmon | Wealthify | Median |
|---|---|---|---|
| Management fee | 0.75%highest quarter | 0.6%highest quarter | 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
Wealthify
Pros
- A management fee of 0.6% sits below the 0.5% to 1.5% charged on Vivid Standard business plans.
- The whole account is reachable through Web, iOS app and Android app, so a phone and a browser cover it end to end.
- Support runs on email, chat and phone, putting phone and chat help alongside email.
Cons
- The minimum investment of £1,000 to £5,000 is well above the $100 entry point at Axos Invest, and Wealthify ranks 68 of 82 brands on this measure.
- The management fee of 0.6% is not the lowest available, since eToro charges a management fee of 0%.
- The account line-up covers isa and sipp only, with no joint, corporate or general investment account in the range.
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)
Wealthify
Who it suits
- Beginners who want a portfolio chosen for them and an app in their hand, with Web, iOS app and Android app and an audience of beginners.
- Savers building an ISA or SIPP through isa and sipp who can clear a £1,000 to £5,000 minimum and prefer one recurring charge.
- Readers who value being able to ask a question, with email, chat and phone available across phone, chat and email.
Who should look elsewhere
- Anyone starting below £1,000 to £5,000: Axos Invest takes a managed portfolio minimum of $100, quoted in US dollars.
- Readers whose first question is the smallest ongoing charge: eToro's management fee is 0%.
- Traders who want to place their own orders: Wealthify runs the low fees managed model around portfolios in esg and cash rather than self-directed dealing.
Country by country
| Country | Ginmon | Wealthify |
|---|---|---|
| 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.
Wealthify
What does Wealthify charge?+
Wealthify charges a single management fee of 0.6% on the portfolio it manages, and the same fee applies to both account types in the range. Deposits, withdrawals and transfers are not charged either, so the recurring percentage is the number to hold on to when you compare. There is no order ticket to price on this account.
How much do I need to start with Wealthify?+
The minimum investment runs £1,000 to £5,000, and the minimum deposit is £1,000. That is a high starting point for a robo-advisor: Axos Invest quotes a managed portfolio minimum of $100 in US dollars, and the median minimum across the brands compared is €25. Anyone starting below Wealthify's threshold needs a different provider.
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