Updated September 29, 2026 · BrokerCue Editorial Team
growney vs Interactive Brokers
What sets them apart
| Compare |  growney |  Interactive Brokers |
|---|---|---|
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank | SEC, FCA, SIPC |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Account types | Joint, Corporate | ISA, SIPP, IRA, Joint, CorporateCovers more |
| Portfolio types | ETF, ESG, CashCovers more | ETF |
| Management fee | 0.38% to 0.68% | Not confirmed |
| Minimum investment | €25 | Not confirmed |
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Key differences
- Interactive Brokers scores higher overall: 9.6 vs 9.3.
- Regulators: only growney offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank.
- Regulators: only Interactive Brokers offers SEC, FCA, SIPC.
- Founded is lower at Interactive Brokers: 1978 vs 2014.
- Interactive Brokers is licensed in 1 more country.
- Account types: only Interactive Brokers offers ISA, SIPP, IRA.
- Portfolio types: only growney offers ESG, Cash.
- Support channels: only growney offers Phone, Chat, Email.
- Support channels: only Interactive Brokers offers Community.
Our verdict on each
growney
growney suits beginners in Germany who want savings and a managed portfolio under one roof, with joint and corporate accounts offered alongside ETF, ESG and cash portfolios. Entry starts at €25, and cash is offered at 2.25%, so a saver can begin small.
Interactive Brokers
Interactive Brokers suits investors who want a single account across ISA, SIPP, IRA, joint and corporate holdings, with stocks, bonds, funds, forex, options and futures behind it. It ranks 1 of 213 brands on minimum deposit at $0, and stock trades are charged at $0.
Score breakdown
| Area | growney | Interactive Brokers |
|---|---|---|
| Cost | 8.9Management fee of 0.38% to 0.68% a year against a robo-advisor median of 0.35%, with deposits and withdrawals free. | 9.3HigherStock trades cost $0, the minimum deposit is $0 and an options contract costs $0.65. |
| Offer | 9.6 | 9.6Account types cover isa, sipp and ira, and the market list spans bonds, etfs and forex. |
| Trust | 9.4 | 9.8Higher |
Licences and countries
| Country | growney | Interactive Brokers |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Not confirmed | FCA 208159 |
| United States | Not confirmed | SIPC SIPC member 53615 |
Which one suits you
Pick growney if portfolio types matter most.
Pick Interactive Brokers if cost, trust, and account types matter most.
Feature by feature
| Portfolio types | growney | Interactive Brokers |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | No |
| Cash | Yes | No |
| Account types | growney | Interactive Brokers |
|---|---|---|
| ISA | No | Yes |
| SIPP | No | Yes |
| IRA | No | Yes |
| Joint | Yes | Yes |
| Corporate | Yes | Yes |
Where these facts come from
growney
- growney.de: 10 facts, checked September 26, 2026
Interactive Brokers
- interactivebrokers.com: 3 facts, checked September 26, 2026
- toponlineforexbrokers.com: 2 facts, checked September 26, 2026
- brokersway.com: 1 fact, checked September 26, 2026
- euinvestinghub.com: 1 fact, checked September 26, 2026
- sipc.org: 1 fact, checked September 26, 2026
How they place
| Ranking | growney | Interactive Brokers |
|---|---|---|
| Stock and ETF brokers | 70 of 471 | 44 of 471 |
| Robo-advisors | 18 of 151 | 11 of 151 |
Every fact side by side
| Fact | growney | Interactive Brokers |
|---|---|---|
| Legal entity | growney GmbH | INTERACTIVE BROKERS LLC |
| Headquarters | Germany | United States |
| Founded | 2014 | 1978Lower |
| Support channels | Phone, Chat, Email, Help centre | Help centre, Community |
Brokers
| Fact | growney | Interactive Brokers |
|---|---|---|
| Minimum deposit | Not confirmed | $0 |
| Stock trade fee | Not confirmed | $0 |
| Markets | ETFs, Funds | Bonds, ETFs, Forex, Funds, Futures, Options, StocksCovers more |
| Features | Not confirmed | Fractional shares, Mobile app |
| Pricing model | Not confirmed | Commission free, Low fees |
| Audience | Beginners | Not confirmed |
| Margin rate | Not confirmed | 4.38% |
| Options contract fee | Not confirmed | $0.65 |
| Deposit and withdrawal fees | Tages- und Festgeld kostenlos | Not confirmed |
| Platforms | Not confirmed | Client Portal, IBKR Desktop, IBKR Mobile, Trader Workstation |
| Interest on cash | 2.25% | 3.38%Higher |
Where each stands against the rest
| Fact | growney | Interactive Brokers | Median |
|---|---|---|---|
| Management fee | 0.38% to 0.68%above the median | Not confirmed | 0.35 |
| Minimum investment | €25at the median | Not confirmed | €25 |
Median across 87 listed brokers.
Pros and cons
growney
Pros
- Day and fixed-term deposits carry no deposit or withdrawal charge.
- German supervision through BaFin and the Deutsche Bundesbank, with protection at EU ICS up to EUR 20,000.
- Help runs on phone, chat and email, so a first-time investor has several routes to an answer.
Cons
- The management fee of 0.38% to 0.68% a year is the main ongoing cost, sitting above providers charging 0%.
- Instruments run to etfs and funds, so there is no direct share dealing here.
- Account types are limited to joint and corporate.
Interactive Brokers
Pros
- A stock trade costs $0 and the minimum deposit is $0, the pairing behind rank 1 of 161 on stock trade fees among the brokers tracked here.
- The account types listed cover isa, sipp and ira, so an ISA, SIPP, IRA, joint or corporate account all sit under a single provider.
- bonds, etfs and forex puts stocks, ETFs, bonds, funds, forex, options and futures on the same account, with a margin rate of 4.38% for geared positions.
Cons
- Support runs on help centre and community, so a phone line and live chat sit outside the offer.
- bonds, etfs and forex covers shares, ETFs, bonds, funds, forex, options and futures but leaves out crypto and CFDs, which eToro lists in stocks, etfs and forex.
- An options contract costs $0.65 against a stock trade at $0, so options strategies pay a visible premium per contract.
Who each suits
growney
Who it suits
- Beginners in Germany who want savings and a managed portfolio without choosing holdings themselves.
- Couples and companies, since joint and corporate accounts are supported.
- Anyone who wants day and fixed-term deposits alongside an invested plan.
Who should look elsewhere
- Not eToro, which charges 0% in management fees and suits people who place trades themselves.
- Not Axos Invest, whose minimum starts at $100 against €25 here.
- Not Vivid Standard, where plans run at 0.5% to 1.5% a year against 0.38% to 0.68% here.
Interactive Brokers
Who it suits
- Investors holding money across several wrappers, since the account types listed cover isa, sipp and ira.
- Traders who want options, futures, forex and bonds alongside shares on a single account, per bonds, etfs and forex.
- Anyone starting with a small balance: the minimum deposit is $0 and fractional shares appear in the feature list (fractional shares and mobile app).
Who should look elsewhere
- Anyone who trades crypto or CFDs, since bonds, etfs and forex leaves both out while eToro lists them in stocks, etfs and forex.
- Readers who want a stated entry figure as a signal of the provider's target size, since Vantage publishes $5 where this broker's minimum is $0.
Country by country
| Country | growney | Interactive Brokers |
|---|---|---|
| Germany | Yes | No |
Questions about each
growney
What does growney charge to manage my money?+
growney takes a management fee of 0.38% to 0.68% a year on the portfolio it runs. That is the main ongoing cost, and it sits in the middle of the robo-advisor range, where the upper quartile reaches 0.6%. Day and fixed-term deposits add no deposit or withdrawal charge.
How much do I need to start with growney?+
The minimum investment is €25, below the robo-advisor median of €60.06. A low entry suits a beginner trying a managed approach, and it makes it easy to hold a small portfolio while the rest of the money sits in savings.
Interactive Brokers
What does it cost to trade shares?+
A stock trade is charged at $0 and the minimum deposit is $0, so opening an account and dealing in shares carry no charge. The money sits in derivatives and leverage instead, where an options contract costs $0.65 and the margin rate is listed at 4.38%.
Is my money protected?+
The regulatory list runs to SEC, FCA and SIPC, and investor protection is stated as SIPC up to USD 500,000. The UK entry is the FCA under licence 208159, while the US side names the SEC and the SIPC membership SIPC member 53615. The protection figure describes the scheme stated for the account and says nothing about how a trade performs.
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