Updated October 13, 2026 · BrokerCue Editorial Team
Moneybox vs quirion
Where Moneybox and quirion differ
| Compare |  Moneybox |  quirion |
|---|---|---|
| Markets | Stocks, ETFs, FundsCovers more | ETFs, Funds |
| Regulators | Financial Conduct Authority | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Account types | ISA, Lisa, Jisa, SIPP | Joint |
| Minimum deposit | Not confirmed | €25 |
| Deposit and withdrawal fees | Not confirmed | free deposits and withdrawals |
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
- Regulators: only Moneybox offers Financial Conduct Authority.
- Regulators: only quirion offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).
- Markets: only Moneybox offers Stocks.
- Account types: only Moneybox offers ISA, Lisa, Jisa.
- Account types: only quirion offers Joint.
- Support channels: only quirion offers Email, Chat, Phone.
- Features: only Moneybox offers Fractional shares, Demo account.
Our verdict on each
Moneybox
Moneybox trades broad market choice for simplicity by focusing on ISAs, savings and pensions in one place. For newcomers who want everyday saving, first home planning and long term investing guided in plain English, it keeps every goal together for customers across the UK.
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 | Moneybox | quirion |
|---|---|---|
| Cost | Not confirmed | 9.4Management fee of 0.48% with a minimum investment of €0 and no charge on deposits or withdrawals. |
| Offer | 9.0 | 9.2Higher |
| Trust | 8.6 | 9.0Higher |
Availability and regulation
| Country | Moneybox | quirion |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Financial Conduct Authority 712935 | Not confirmed |
Additional countries for Moneybox: 1. Additional countries for quirion: 1.
Pick Moneybox if, pick quirion if
Pick Moneybox if markets matter most.
Pick quirion if trust matter most.
Where they rank in our lists
| Ranking | Moneybox | quirion |
|---|---|---|
| Stock and ETF brokers | 384 of 471 | 102 of 471 |
| Robo-advisors | 122 of 151 | 33 of 151 |
What we checked
Moneybox
- moneyboxapp.com: 8 facts, checked September 26, 2026
- moneybox.co.uk: 1 fact, checked September 26, 2026
quirion
- quirion.de: 9 facts, checked September 26, 2026
- bafin.de: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Moneybox | quirion |
|---|---|---|
| Features | Mobile app, Fractional shares, Demo accountCovers more | Mobile app |
| Audience | Beginners | Not confirmed |
| Legal entity | Digital Moneybox Limited | quirion AG |
| Headquarters | United Kingdom | Germany |
| Founded | Not confirmed | 2013 |
| Support channels | Help centre | Email, Chat, Phone, Help centreCovers more |
Robo-advisors
| Fact | Moneybox | quirion |
|---|---|---|
| Management fee | Not confirmed | 0.48% |
| Minimum investment | £1 | €0 |
| Portfolio types | ETF, Cash | ETF, ESG, CashCovers more |
Where each stands against the rest
| Fact | Moneybox | quirion | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | €25above the median | €1 |
Median across 44 listed brokers.
Pros and cons
Moneybox
Pros
- Covers cash savings, ISAs, first home saving and pensions together
- Supports combining old pensions into one easy to manage plan
- Welcomes beginners with plain guidance for long term goals
Cons
- Focused range around ISAs, savings and pensions only
- UK centred offer for customers planning home and retirement goals
- Long term focus with less choice for active market trading
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
Moneybox
Who it suits
- First home savers planning a deposit
- Beginners building long term ISA investments
- Pension holders wanting combined pots
Who should look elsewhere
- Active traders seeking wide market choice
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 | Moneybox | quirion |
|---|---|---|
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Moneybox
What accounts can you open with Moneybox?+
You can open a Cash ISA for everyday savings, a Lifetime ISA for a first home, and a Stocks and Shares ISA for long term investing. You can also open a Personal Pension and use general savings accounts to build funds for different life goals.
Which countries does Moneybox serve?+
Moneybox serves customers across the UK who want to save, invest and plan retirement in one place. Its Lifetime ISA content focuses on first time home ownership in the UK. Its pension content focuses on finding and combining existing UK pension pots.
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
- Moneybox vs Fidelity
- Moneybox vs Finhabits
- Moneybox vs Charles Schwab
- Moneybox vs Saxo
- Moneybox vs Wealthfront
- Moneybox vs Public
- Moneybox vs M1
- Moneybox vs Ally Bank
- Moneybox vs Ginmon
- Moneybox vs Stash
- quirion vs Mintos
- quirion vs Bitpanda
- Moneybox vs Robinhood
- quirion vs Empower Personal Dashboard
- quirion vs Kraken
- quirion vs EBC Financial Group
- Moneybox vs Lightyear