Updated September 28, 2026 · BrokerCue Editorial Team
growney vs quirion
What sets them apart
| Compare |  growney |  quirion |
|---|---|---|
| Management fee | 0.38% to 0.68%Lower | 0.48% |
| Minimum investment | €25 | €0Lower |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche BundesbankCovers more | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) |
| Account types | Joint, CorporateCovers more | Joint |
Same on both: Investor protection (EU ICS up to EUR 20,000), Portfolio types (ETF, ESG, Cash).
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 9.2.
- Regulators: only growney offers Deutsche Bundesbank.
- Founded is lower at quirion: 2013 vs 2014.
- Management fee is lower at growney: 0.38% to 0.68% vs 0.48%.
- Minimum investment is lower at quirion: €0 vs €25.
- Account types: only growney offers Corporate.
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.
quirion
quirion suits German and European savers who want a ready-made portfolio, with regulation by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and money held under the EU investor compensation scheme. A minimum investment of €0 makes it easy to begin, though the ongoing fee is higher than at some rivals.
Score breakdown
| Area | growney | quirion |
|---|---|---|
| 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. | 9.4HigherManagement fee of 0.48% with a minimum investment of €0 and no charge on deposits or withdrawals. |
| Offer | 9.6Higher | 9.2 |
| Trust | 9.4Higher | 9.0 |
What it costs in practice
10,000 invested for a year
growney
38 to 68
0.38% to 0.68% of 10,000
quirion
48
0.48% of 10,000
growney comes out 10 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.
Which one suits you
Pick growney if offer, trust, management fee, regulators, and account types matter most.
Pick quirion if cost and minimum investment matter most.
What we checked
growney
- growney.de: 10 facts, checked September 26, 2026
quirion
- quirion.de: 8 facts, checked September 26, 2026
- bafin.de: 2 facts, checked September 26, 2026
How they place
| Ranking | growney | quirion |
|---|---|---|
| Stock and ETF brokers | 70 of 471 | 102 of 471 |
| Robo-advisors | 18 of 151 | 33 of 151 |
Every fact side by side
| Fact | growney | quirion |
|---|---|---|
| Legal entity | growney GmbH | quirion AG |
| Headquarters | Germany | Germany |
| Founded | 2014 | 2013Lower |
| Support channels | Phone, Chat, Email, Help centre | Email, Chat, Phone, Help centre |
Brokers
| Fact | growney | quirion |
|---|---|---|
| Minimum deposit | Not confirmed | €25 |
| Markets | ETFs, Funds | ETFs, Funds |
| Features | Not confirmed | Mobile app |
| Audience | Beginners | Not confirmed |
| Deposit and withdrawal fees | Tages- und Festgeld kostenlos | free deposits and withdrawals |
| Interest on cash | 2.25% | Not confirmed |
Where each stands against the rest
| Fact | growney | quirion | Median |
|---|---|---|---|
| Management fee | 0.38% to 0.68%above the median | 0.48%above the median | 0.35 |
| Minimum investment | €25at the median | €0lowest quarter | €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.
quirion
Pros
- Regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), with money held under the EU investor compensation scheme up to the limit that scheme states
- Portfolio types cover etf, esg and cash, so a cash option sits alongside the ETF and ESG portfolios
- Support runs on email, chat and phone, and a mobile app covers the everyday account tasks
Cons
- The management fee of 0.48% is above the robo-advisor median of 0.35%, so the gap grows with the balance
- Investing covers etfs and funds only, so there is nothing here for readers who want to deal in individual shares
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.
quirion
Who it suits
- First-time investors who would rather not choose funds and ETFs themselves
- German and European savers who want a regulated provider with a joint account option
- People who want part of their money in a cash portfolio and the rest managed
Who should look elsewhere
- Readers who want to deal in individual shares: quirion covers etfs and funds, so eToro is the closer fit for self-directed trading
- Readers who prefer to commit a larger sum from the start: Axos Invest asks for a minimum investment of $100, against €0 here
Current offers
quirion
Current offer
Bonus
Studierendendepot: 50 EUR bonus for your first ETF portfolio: 50 EUR
For students, campaign runs until 16.11.2026
Source, checked September 26, 2026
Country by country
| Country | growney | quirion |
|---|---|---|
| Germany | Yes | 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.
quirion
What does quirion cost?+
The management fee is 0.48%, taken on the portfolio rather than per trade. Deposits and withdrawals carry no charge, and support comes through email, chat and phone. The fee sits above the robo-advisor median of 0.35%, so a large balance costs more than it would at a lower-fee rival.
Is quirion regulated, and what happens to my money if the firm fails?+
quirion is regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), the German financial supervisor, so it operates under supervision rather than as an informal saving scheme. Money with quirion is covered by the EU investor compensation scheme up to the limit that scheme states. That protection concerns the firm failing, not the market moving against a portfolio.
Other options to compare
Other matchups
- growney vs Trading 212
- growney vs Scalable Capital
- growney vs Finax
- growney vs SoFi
- growney vs M1
- growney vs InvestEngine
- growney vs Interactive Brokers
- growney vs Nutmeg
- growney vs Questrade
- growney vs Titan
- growney vs HYCM
- quirion vs Mintos
- quirion vs Bitpanda
- growney vs Robinhood
- quirion vs Empower Personal Dashboard
- quirion vs Kraken
- quirion vs EBC Financial Group
- growney vs Revolut UK
- quirion vs Lightyear