LIQID review

Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026

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Our verdict

LIQID is a German robo-advisor for investors who can put a large sum into a managed portfolio and leave it alone. Fees run 0.2% to 0.9% and the minimum investment is €20,000 to €200,000, while robo-advisor minimums elsewhere on this comparison sit at €60.06.

Key facts

Best for
Investors with a large lump sum who want ETFs and funds managed for them.
Management fee
0.2% to 0.9% (Source, checked September 26, 2026)
Minimum investment
€20,000 to €200,000 (Source, checked September 26, 2026)
Regulators
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank (Source, checked September 26, 2026)
Investor protection
EU ICS up to EUR 20,000 (Source, checked September 26, 2026)
Portfolio types
ETF, ESG, Cash (Source, checked September 26, 2026)
Legal entity
LIQID Asset Management GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
liqid.de

Brokers

Markets
ETFs, Funds (Source, checked September 26, 2026)
Regulators
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank (Source, checked September 26, 2026)
Investor protection
EU ICS up to EUR 20,000 (Source, checked September 26, 2026)
Legal entity
LIQID Asset Management GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
TrustpilotLinkedIninstagram.com

Pros and cons

Pros

  • Supervised in Germany by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and the Deutsche Bundesbank.
  • Balances sit under EU investor compensation, with the scheme and limit given as EU ICS up to EUR 20,000.
  • ETF, ESG and cash portfolio types are on offer, built from etfs and funds.
  • Support runs by email, phone and help centre, so phone and email help are both there.

Cons

  • The minimum investment of €20,000 to €200,000 puts LIQID out of reach for smaller savers.
  • Fees of 0.2% to 0.9% sit higher at the top end than most robo-advisors, whose upper quartile is 0.6%.
  • Buying is confined to etfs and funds, with no direct share dealing in the offer.
LIQID

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Scored 9.0 / 10 by BrokerCue.

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Who it suits

  • Investors with a substantial lump sum ready to be managed.
  • EU savers who put weight on national supervision and investor compensation cover.
  • People who want an ESG or cash portfolio alongside a core ETF one.

Who should look elsewhere

  • eToro, for anyone who wants to place trades themselves; its management fee is 0%.
  • Vivid Standard, if its fee band of 0.5% to 1.5% suits you better.
  • Axos Invest, which starts at $100 and suits smaller sums.

What trading costs

The headline cost is a management fee of 0.2% to 0.9% charged on the portfolio rather than per trade. The bigger gate is the entry level: €20,000 to €200,000 needs to be in place before a portfolio is built, so the fee and the commitment arrive together for anyone starting out.

Who runs it

The service runs through LIQID Asset Management GmbH, based in Germany and founded in 2016. It handles portfolios for clients rather than offering a dealing platform for self-directed trading. Support comes through email, phone and help centre, so help is available by email, by phone and in the help centre.

How LIQID compares

Where LIQID is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Licence in Germany
Deutsche Bundesbank, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does LIQID cost?+

LIQID charges a management fee of 0.2% to 0.9% on the portfolio you hold. That range reaches into the dearer part of robo-advisor pricing, where the upper quartile of comparable services is 0.6%. Costs therefore rise with the size of the portfolio.

How much do I need to invest to start?+

You need €20,000 to €200,000 before a portfolio is built, which is the main thing to weigh against the fee. On minimum investment LIQID ranks 80 of 82 brands here, so very few services ask for more.

Who regulates LIQID and is the money protected?+

LIQID is supervised in Germany by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and Deutsche Bundesbank, so oversight sits with established national authorities. Eligible balances also fall under EU investor compensation, with the scheme and limit given as EU ICS up to EUR 20,000. For a retail investor, that combination is the main safety point to check before depositing.

What can I hold in a LIQID portfolio?+

Portfolios are built from etfs and funds, so the range is focused rather than broad. The available portfolio types are etf, esg and cash, which covers a core ETF approach, a sustainability-tilted version and a cash option. Everything is managed for you, so you are not placing orders yourself.

Where is LIQID based and how old is it?+

The business behind the service is LIQID Asset Management GmbH, based in Germany and founded in 2016. It is a German operation with a regulated advisory business rather than a broker, which shapes how the account is run and who supervises it.

How do I get help from LIQID?+

Help runs through email, phone and help centre, so you can reach the team by email, by phone or through the help centre. Support is limited to those channels, with no live chat listed, and the phone line is the fastest route for anything portfolio related.

Is LIQID suitable for someone starting small?+

Not for small starters. The minimum investment of €20,000 to €200,000 puts LIQID well beyond casual amounts, and a service such as Axos Invest begins at $100. It suits investors with a lump sum already in hand who want the portfolio handled for them.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

LIQID

LIQID

Investors with a large lump sum who want ETFs and funds managed for them.

9.0/10See alternatives

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