OSKAR review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
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Our verdict
OSKAR is a German robo-advisor for investors who want a portfolio built and rebalanced for them and can start small, at €25. Managed portfolios cost more here than the cheapest options, and the fee is the number to check before you commit.
Key facts
- Best for
- A managed ETF portfolio opened from a small starting amount.
- Management fee
- 0.7% to 1% (Source, checked September 26, 2026)
- Minimum investment
- €25 (Source, checked September 26, 2026)
- Portfolio types
- ETF, ESG, Crypto, Cash (Source, checked September 26, 2026)
- Legal entity
- Oskar.de GmbH (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre (Source, checked September 26, 2026)
- Official website
- oskar.de
Brokers
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Minimum investment €25 and minimum deposit €25 keep the entry point low.
- Portfolio choice covers etf, esg and crypto.
- Investing stays within etfs, so the plan is simple to follow.
Cons
- Fees of 0.7% to 1% sit above the 0.35% median across robo-advisors.
- Help runs on email and help centre only.
- Trading is limited to etfs, with no individual shares or wider market list.
Who it suits
- New investors who would rather hand over the portfolio picks than research funds themselves.
- German residents happy to hold etfs only and let the plan rebalance.
- Investors building a mix across etf, esg and crypto portfolios instead of trading directly.
Who should look elsewhere
- Anyone who wants no management fee: eToro lists 0% where OSKAR charges 0.7% to 1%.
- Investors who prefer a higher starting commitment, since Axos Invest starts at $100 against €25 here.
- Traders after individual orders or a broader market list, since investing is limited to etfs.
The company behind it
OSKAR is operated by Oskar.de GmbH, a company based in Germany, so the service sits with a single German entity rather than a branch elsewhere. Support is the practical limit: help comes through email and help centre, and there is no phone line or live chat listed. An investor who wants to ask a question by voice will need to look elsewhere, while most of the platform is built to be run without support.
How OSKAR compares
8.8 vs 9.0
8.8 vs 9.4
8.8 vs 8.7
MarketScreener
8.8 vs 9.4
8.8 vs 8.7
8.8 vs 9.0
8.8 vs 9.3
8.8 vs 8.7
8.8 vs 8.6
8.8 vs 9.2eToro charges a management fee of 0%, so it suits readers who want the lowest ongoing cost.
8.8 vs 8.7
Kitco
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8.8 vs 9.0
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Vaulted
wikifolio.com
Intellectia
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Frequently asked questions
What does OSKAR charge to manage my money?+
OSKAR charges a management fee of 0.7% to 1% rather than a flat account fee. That sits above the 0.35% median across robo-advisors in the comparison, and above the 0.4% median for the wider group. The cost tracks your balance, so the longer money stays invested, the more the fee adds up.
What is the smallest amount I can start with?+
The minimum investment is €25 and the minimum deposit matches it, so a starter plan is easy to fund. That places OSKAR 34 of 82 brands on minimum investment in the comparison, and below the €60.06 typical robo-advisor starting point.
Can I pick individual shares on OSKAR?+
Investing is limited to etfs, so the plan selects and rebalances the funds for you rather than following single-share instructions. Readers who want to choose their own holdings, or trade a wider market list, need a brokerage account instead of a robo-advisor, and OSKAR is not built for that.
What kinds of portfolios can I build?+
Portfolio choice covers etf, esg and crypto, so a classic ETF plan sits alongside ESG, crypto and cash options. The ETF core is the standard pick, offered by 86.2% of robo-advisors in the comparison, while the crypto option stays a minority choice at 26.3%.
How much of my money could I lose?+
A managed portfolio is an investment, not a deposit. Across the comparison, retail accounts that lose money typically lose 70.15%, with results running 40.3% to 88%. A diversified ETF plan spreads risk, but the value of the holding can still fall.
How do I get help if something goes wrong?+
Help is available through email and help centre. There is no phone line or live chat listed, so questions go by email or through the help centre. Anyone who needs a spoken conversation will have to look elsewhere, and email answers can take longer than an instant chat.
How does OSKAR compare with the rest of the field?+
On this comparison OSKAR scores 4.5 overall, and it ranks 34 of 82 brands on minimum investment. That puts the small entry point among the stronger showings in the field, even though the ongoing fee is higher than at many of the robo-advisors listed.
How do OSKAR's fees compare with eToro and Vivid Standard?+
OSKAR management fees are 0.7% to 1%. eToro lists 0% on the same line, and Vivid Standard plans run 0.5% to 1.5%, so that band overlaps with OSKAR but starts lower. On ongoing cost, OSKAR sits at the dearer end of the three.
Sources
- oskar.de checked September 26, 2026
Backs: Portfolio types
- oskar.de/impressum checked September 26, 2026
Backs: Headquarters, Legal entity
“Oskar.de GmbH, Karl-Friedrich-Str. 22, 76133 Karlsruhe”
- oskar.de/kontakt checked September 26, 2026
Backs: Support channels
- oskar.de/kosten checked September 26, 2026
Backs: Management fee, Markets, Minimum investment
“Die 10 OSKAR ETFs/ETCs”
- webdisclosure.com/press-release/baader-wertpapierhandelsb... checked September 26, 2026
Backs: Minimum deposit
“invest in ETFs starting from a savings amount of 25 euros per month”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Regulators, Investor protection.