Updated September 28, 2026 · BrokerCue Editorial Team
Ginmon vs Wealthsimple
Where Ginmon and Wealthsimple differ
| Compare |  Ginmon |  Wealthsimple |
|---|---|---|
| Management fee | 0.75% | 0.5%Lower |
| Minimum investment | €1 | CA$1 |
| Account types | Corporate | Joint, CorporateCovers more |
| Portfolio types | ETF, ESG, Cash | ETF, Cash, Crypto |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
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Key differences
- Wealthsimple scores higher overall: 9.4 vs 9.2.
- Management fee is lower at Wealthsimple: 0.5% vs 0.75%.
- Account types: only Wealthsimple offers Joint.
- Portfolio types: only Ginmon offers ESG.
- Portfolio types: only Wealthsimple offers Crypto.
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.
Wealthsimple
Wealthsimple serves Canadian beginners and experienced investors who want self-directed trading and managed portfolios in a single app. The minimum deposit is CAD 0, the stock trade fee is CAD 0 and the account fee is CAD 0, while the UK is not among its markets (stocks, etfs and options).
Score breakdown
| Area | Ginmon | Wealthsimple |
|---|---|---|
| Cost | 8.9Management fee of 0.75% is above both the robo-advisor median of 0.35% and the site median of 0.4%. | 9.6HigherMinimum deposit of CAD 0, stock trade fee of CAD 0, options contract fee of CAD 0 and account fee of CAD 0. |
| Offer | 9.2 | 9.2Managed portfolios charge 0.5% and start at CAD 1, with cash earning 1.25%. |
| Trust | 9.4 | Not confirmed |
Licences and countries
| Country | Ginmon | Wealthsimple |
|---|---|---|
| Germany | Not confirmed |
How they place
| Ranking | Ginmon | Wealthsimple |
|---|---|---|
| Stock and ETF brokers | 99 of 471 | 62 of 471 |
| Robo-advisors | 29 of 151 | 16 of 151 |
Every fact side by side
| Fact | Ginmon | Wealthsimple |
|---|---|---|
| Legal entity | Ginmon Vermögensverwaltung GmbH | Wealthsimple Technologies Inc. |
| Headquarters | Germany | Canada |
| Founded | 2014 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centre | Chat, Email, Phone, Help centre |
Brokers
| Fact | Ginmon | Wealthsimple |
|---|---|---|
| Minimum deposit | €1 | CA$0 |
| Stock trade fee | Not confirmed | CA$0 |
| Account fee | Not confirmed | CA$0 |
| Markets | ETFs, Funds | Stocks, ETFs, Options, Crypto, Futures |
| Features | Not confirmed | Crypto, Fractional shares, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Audience | Not confirmed | Beginners, Experienced |
| Margin rate | Not confirmed | 3.95% |
| Options contract fee | Not confirmed | CA$0 |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Interest on cash | Not confirmed | 1.25% |
Where each stands against the rest
| Fact | Ginmon | Wealthsimple | Median |
|---|---|---|---|
| Management fee | 0.75%highest quarter | 0.5%above the median | 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
Wealthsimple
Pros
- Stock trade fee of CAD 0 on a commission-free model across self-directed accounts
- Minimum deposit of CAD 0, so an account opens with a small sum
- Managed portfolios charge a management fee of 0.5% and start at CAD 1
Cons
- The UK and Europe are not among its markets (stocks, etfs and options), so a reader there would need a different broker
- Managed portfolios carry a management fee of 0.5% on top of CAD 0 self-directed trades
- Margin is available at a margin rate of 3.95%, which amplifies losses on a levered position
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)
Wealthsimple
Who it suits
- Canadian beginners putting money away in a managed portfolio
- Canadian investors buying fractional shares in a mobile app
- Experienced traders wanting stocks, ETFs, options, crypto and futures in a single account
Who should look elsewhere
- UK or EU readers, who should look at CFI, eToro or Vantage instead
- Traders who want a forex and CFD range, since stocks, etfs and options omits both
- Anyone seeking an ISA, SIPP or similar tax-sheltered wrapper, since neither is among its account types (joint and corporate)
Country by country
| Country | Ginmon | Wealthsimple |
|---|---|---|
| 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.
Wealthsimple
What does it cost to trade stocks at Wealthsimple?+
The stock trade fee is CAD 0 and the account fee is CAD 0. Options contracts carry a fee of CAD 0. Cash earns interest of 1.25%. Managed portfolios are the part that still charges, at a management fee of 0.5%.
Is there a minimum deposit or account fee?+
The minimum deposit is CAD 0 and the account fee is CAD 0, so opening an account costs nothing. Managed portfolios ask for a minimum investment of CAD 1. Brands across the site typically ask €4.64 to start.
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