Updated September 28, 2026 · BrokerCue Editorial Team
growney vs InvestEngine
growney vs InvestEngine: the differences
| Compare |  growney |  InvestEngine |
|---|---|---|
| Management fee | 0.38% to 0.68% | 0.25%Lower |
| Minimum investment | €25 | £1 |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank | Financial Conduct Authority (FCA) |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account types | Joint, Corporate | ISA, SIPP, Corporate |
| Portfolio types | ETF, ESG, CashCovers more | ETF |
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
- growney scores higher overall: 9.3 vs 8.7.
- Regulators: only growney offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank.
- Regulators: only InvestEngine offers Financial Conduct Authority (FCA).
- Founded is lower at growney: 2014 vs 2019.
- Management fee is lower at InvestEngine: 0.25% vs 0.38% to 0.68%.
- Account types: only growney offers Joint.
- Account types: only InvestEngine offers ISA, SIPP.
- Portfolio types: only growney offers ESG, Cash.
- Support channels: only growney offers Phone, Chat.
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.
InvestEngine
InvestEngine suits beginners who want their money spread across ETFs without picking shares themselves. Costs stay thin: an account fee of £0, a stock trade fee of £0 and a single portfolio management charge of 0.25%, with deposits and withdrawals free.
Score breakdown
| Area | growney | InvestEngine |
|---|---|---|
| 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. | 9.0Higher |
| Offer | 9.6Higher | 8.8The isa, sipp and corporate account range wraps one ETF plan for savers and firms alike. |
| Trust | 9.4Higher | 8.4 |
Licences and countries
| Country | growney | InvestEngine |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Not confirmed |
Additional countries for growney: 1. Additional countries for InvestEngine: 1.
Pick growney if, pick InvestEngine if
Pick growney if offer and portfolio types matter most.
Pick InvestEngine if management fee matter most.
Cost in a real example
10,000 invested for a year
growney
38 to 68
0.38% to 0.68% of 10,000
InvestEngine
25
0.25% of 10,000
InvestEngine comes out 13 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
If neither fits
eToro has management fee at 0%, against 0.38% to 0.68% for growney and 0.25% for InvestEngine.
eToro reviewHow they place
| Ranking | growney | InvestEngine |
|---|---|---|
| Stock and ETF brokers | 70 of 471 | 195 of 471 |
| Brokers for beginners | 22 of 88 | 57 of 88 |
| Robo-advisors | 18 of 151 | 84 of 151 |
Every fact side by side
| Fact | growney | InvestEngine |
|---|---|---|
| Legal entity | growney GmbH | InvestEngine (UK) Limited |
| Headquarters | Germany | United Kingdom |
| Founded | 2014Lower | 2019 |
| Support channels | Phone, Chat, Email, Help centreCovers more | Email, Help centre |
Brokers
| Fact | growney | InvestEngine |
|---|---|---|
| Minimum deposit | Not confirmed | £100 |
| Stock trade fee | Not confirmed | £0 |
| Account fee | Not confirmed | £0 |
| Markets | ETFs, FundsCovers more | ETFs |
| Features | Not confirmed | Fractional shares, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Audience | Beginners | Beginners |
| Deposit and withdrawal fees | Tages- und Festgeld kostenlos | Free |
| Platforms | Not confirmed | Web, iOS, Android |
| Interest on cash | 2.25%Higher | 0% |
Where each stands against the rest
| Fact | growney | InvestEngine | Median |
|---|---|---|---|
| Management fee | 0.38% to 0.68%above the median | 0.25%below the median | 0.35 |
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.
InvestEngine
Pros
- An account fee of £0 and a stock trade fee of £0 leave almost nothing to pay for holding or trading.
- Investor protection is FSCS up to GBP 85,000, with the platform regulated by the Financial Conduct Authority.
- The platform list covers Web, iOS and Android, and fractional shares make small regular buys work.
Cons
- Shares are not among its markets (etfs), so the range stays on funds rather than a general dealing list.
- Support runs on email and help centre, with no phone number for urgent account questions.
- Cash waiting to be invested earns 0%.
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.
InvestEngine
Who it suits
- Beginners who want a curated portfolio and can start from a minimum investment of £1.
- ISA and SIPP holders in the UK who would rather not pay an account fee.
- Investors who only need help by email and are happy to stay inside a single asset class.
Who should look elsewhere
- CFI, for anyone who wants to open with a minimum deposit of $0 rather than £100.
- Vantage, for anyone who wants a smaller entry point, since its minimum deposit is $5.
- eToro, for traders who want share dealing, because shares are not among its markets (etfs).
Country by country
| Country | growney | InvestEngine |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | Yes |
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.
InvestEngine
What does it cost to hold an InvestEngine account?+
The account fee is £0 and a stock trade costs £0, so buying and holding leaves most of the pot intact. The only ongoing charge is the portfolio management fee of 0.25%, which is taken on the portfolio rather than per trade. Cash left uninvested earns 0%.
Is my money protected if the platform fails?+
The Financial Conduct Authority is the regulator named on the licence, and the platform states investor protection of FSCS up to GBP 85,000. The account is run by InvestEngine (UK) Limited, a UK company, so UK rules and the protection scheme both apply to the account.
Other options to compare
Other matchups
- growney vs Trading 212
- growney vs Scalable Capital
- growney vs quirion
- growney vs Finax
- growney vs SoFi
- growney vs M1
- growney vs Interactive Brokers
- growney vs Nutmeg
- growney vs Questrade
- growney vs Titan
- growney vs HYCM
- InvestEngine vs ActivTrades
- InvestEngine vs XTB
- InvestEngine vs NAGA
- InvestEngine vs eToro
- InvestEngine vs Bitpanda
- growney vs Robinhood
- InvestEngine vs Traders Place
- growney vs Revolut UK