Updated September 29, 2026 · BrokerCue Editorial Team
growney vs Robinhood
growney vs Robinhood: the differences
| Compare |  growney |  Robinhood |
|---|---|---|
| Markets | ETFs, Funds | Stocks, ETFs, Options, Futures, Crypto |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank | Bank of Lithuania (LSC), LT BL, SIPC |
| Deposit and withdrawal fees | Tages- und Festgeld kostenlos | $100 outgoing transfer |
| Account types | Joint, Corporate | IRA, Roth IRA, Joint |
| Minimum deposit | Not confirmed | $0 |
| Stock trade fee | Not confirmed | $0 |
| Account fee | Not confirmed | $0 |
| Inactivity fee | Not confirmed | $0 |
| Margin rate | Not confirmed | 3.95% |
| Options contract fee | Not confirmed | $0 |
| Platforms | Not confirmed | Robinhood app, Robinhood Legend |
| Maximum retail leverage | Not confirmed | 10X |
| Interest on cash | 2.25% | Not confirmed |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Robinhood scores higher overall: 9.4 vs 9.3.
- Regulators: only growney offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank.
- Regulators: only Robinhood offers Bank of Lithuania (LSC), LT BL, SIPC.
- Founded is lower at Robinhood: 2013 vs 2014.
- Robinhood is licensed in 1 more country.
- Markets: only growney offers Funds.
- Markets: only Robinhood offers Stocks, Options, Futures.
- Account types: only growney offers Corporate.
- Account types: only Robinhood offers IRA, Roth IRA.
- Audience: only Robinhood offers Day traders.
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.
Robinhood
Robinhood suits first-time investors and small, regular investors who want nothing charged for holding or trading. It is the cheapest way in on our data, with a minimum deposit of $0, no account fee and no inactivity charge, under the Bank of Lithuania and SIPC.
Score breakdown
| Area | growney | Robinhood |
|---|---|---|
| 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. | 9.6HigherStock trades cost $0, options contracts $0, the account fee is $0 and inactivity is $0. |
| Offer | 9.6Higher | 9.3 |
| Trust | 9.4Higher | 9.3 |
Availability and regulation
| Country | growney | Robinhood |
|---|---|---|
| Germany | Not confirmed | |
| Lithuania | Not confirmed | Bank of Lithuania (LSC) MiCA CASP 254900GTP4UXQO1UMI36 LT_BL PSD_PI 306377915 |
| United States | Not confirmed | SIPC SIPC member 69916 |
What each covers
| Markets | growney | Robinhood |
|---|---|---|
| Stocks | No | Yes |
| ETFs | Yes | Yes |
| Options | No | Yes |
| Futures | No | Yes |
| Crypto | No | Yes |
| Funds | Yes | No |
| Account types | growney | Robinhood |
|---|---|---|
| IRA | No | Yes |
| Roth IRA | No | Yes |
| Joint | Yes | Yes |
| Corporate | Yes | No |
What we checked
growney
- growney.de: 11 facts, checked September 26, 2026
Robinhood
- finder.com: 7 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
- mymillennialguide.com: 4 facts, checked September 26, 2026
- financer.com: 2 facts, checked September 26, 2026
- robinhood.com: 1 fact, checked September 26, 2026
How they place
| Ranking | growney | Robinhood |
|---|---|---|
| Stock and ETF brokers | 70 of 471 | 14 of 471 |
| Brokers for beginners | 22 of 88 | 6 of 88 |
Every fact side by side
| Fact | growney | Robinhood |
|---|---|---|
| Features | Not confirmed | Crypto, Fractional shares, Options, Futures, Mobile app |
| Pricing model | Not confirmed | Commission free, Low fees |
| Audience | Beginners | Beginners, Day tradersCovers more |
| Legal entity | growney GmbH | Robinhood Europe UAB |
| Headquarters | Germany | Lithuania |
| Founded | 2014 | 2013Lower |
| Support channels | Phone, Chat, Email, Help centre | Not confirmed |
Where each stands against the rest
| Fact | growney | Robinhood | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | $0below the median | $25 |
| Stock trade fee | Not confirmed | $0at the median | $0 |
| Account fee | Not confirmed | $0at the median | $0 |
| Inactivity fee | Not confirmed | $0at the median | $0 |
| Margin rate | Not confirmed | 3.95%lowest quarter | 8.75% |
| Options contract fee | Not confirmed | $0lowest quarter | $0.625 |
Median across 135 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.
Robinhood
Pros
- Nothing to pay to open or hold an account, with an account fee of $0 and an inactivity fee of $0
- Trading a share costs $0, so a small first order is not eaten by commission
- You can start with a deposit of $0, lower than most brands on our data
Cons
- Leverage is available at 10X, which magnifies losses as well as gains
- Outgoing transfers carry a charge of $100 outgoing transfer
- Margin borrowing is priced at a margin rate of 3.95%, so interest adds to your cost
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.
Robinhood
Who it suits
- Beginners opening a first account with a small deposit
- Day-traders working in options, futures and crypto on mobile
- Retirement investors using an IRA, Roth IRA or joint account
Who should look elsewhere
- Vantage if a flat minimum deposit of $5 suits you better
- CFI if you want forex and CFDs alongside shares, since its markets cover stocks, etfs and forex
- eToro if social copy trading matters more than options and futures
Country by country
| Country | growney | Robinhood |
|---|---|---|
| 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.
Robinhood
What does it cost to trade shares on Robinhood?+
Trading a share costs $0, and an options contract costs $0. There is also an account fee of $0 and an inactivity fee of $0, so nothing is taken for simply holding the account open. Borrowing on margin is charged at a margin rate of 3.95%, which is the main running cost if you use leverage.
Is there a minimum deposit to open a Robinhood account?+
The minimum deposit is $0, so you can open an account and place a small first order without funding a large balance. It is worth comparing that with the deposits other brands ask for before you commit, since the figure varies widely across the market. Outgoing transfers are charged at $100 outgoing transfer, so factor that in if you plan to move money out early.
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