Updated September 28, 2026 · BrokerCue Editorial Team
quirion vs Wealthify
What sets them apart
| Compare |  quirion |  Wealthify |
|---|---|---|
| Management fee | 0.48%Lower | 0.6% |
| Minimum investment | €0 | £1,000 to £5,000 |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) | Financial Conduct Authority |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account types | Joint | ISA, SIPP |
| Portfolio types | ETF, ESG, CashCovers more | ESG, Cash |
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Key differences
- quirion scores higher overall: 9.2 vs 8.8.
- Regulators: only quirion offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).
- Regulators: only Wealthify offers Financial Conduct Authority.
- Founded is lower at quirion: 2013 vs 2016.
- Management fee is lower at quirion: 0.48% vs 0.6%.
- Account types: only quirion offers Joint.
- Account types: only Wealthify offers ISA, SIPP.
- Portfolio types: only quirion offers ETF.
Our verdict on each
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.
Wealthify
Wealthify suits UK beginners who want a managed portfolio rather than a dealing account, with a minimum investment of £1,000 to £5,000. The appeal is the managed approach and the ISA and SIPP choice; the drawback is a starting amount well above most rivals.
Score breakdown
| Area | quirion | Wealthify |
|---|---|---|
| Cost | 9.4HigherManagement fee of 0.48% with a minimum investment of €0 and no charge on deposits or withdrawals. | 8.5Management fee of 0.6%, and a minimum investment running £1,000 to £5,000, both inside the robo-advisor field. |
| Offer | 9.2 | 9.4Higher |
| Trust | 9.0Higher | 8.7 |
Where they rank in our lists
| Ranking | quirion | Wealthify |
|---|---|---|
| Stock and ETF brokers | 102 of 471 | 190 of 471 |
| Robo-advisors | 33 of 151 | 81 of 151 |
Sources behind this comparison
quirion
- quirion.de: 8 facts, checked September 26, 2026
- bafin.de: 2 facts, checked September 26, 2026
Wealthify
- wealthify.com: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | quirion | Wealthify |
|---|---|---|
| Legal entity | quirion AG | Wealthify Limited |
| Headquarters | Germany | United Kingdom |
| Founded | 2013Lower | 2016 |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Phone, Help centre |
Brokers
| Fact | quirion | Wealthify |
|---|---|---|
| Minimum deposit | €25 | £1,000 |
| Markets | ETFs, Funds | Stocks, ETFs, Bonds, FundsCovers more |
| Features | Mobile app | Mobile app |
| Pricing model | Not confirmed | Low fees |
| Audience | Not confirmed | Beginners |
| Deposit and withdrawal fees | free deposits and withdrawals | No fees for deposits, withdrawals or transfers |
| Platforms | Not confirmed | Web, iOS app, Android app |
Where each stands against the rest
| Fact | quirion | Wealthify | Median |
|---|---|---|---|
| Management fee | 0.48%above the median | 0.6%highest quarter | 0.35% |
Median across 87 listed brokers.
Pros and cons
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
Wealthify
Pros
- A management fee of 0.6% sits below the 0.5% to 1.5% charged on Vivid Standard business plans.
- The whole account is reachable through Web, iOS app and Android app, so a phone and a browser cover it end to end.
- Support runs on email, chat and phone, putting phone and chat help alongside email.
Cons
- The minimum investment of £1,000 to £5,000 is well above the $100 entry point at Axos Invest, and Wealthify ranks 68 of 82 brands on this measure.
- The management fee of 0.6% is not the lowest available, since eToro charges a management fee of 0%.
- The account line-up covers isa and sipp only, with no joint, corporate or general investment account in the range.
Who each suits
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
Wealthify
Who it suits
- Beginners who want a portfolio chosen for them and an app in their hand, with Web, iOS app and Android app and an audience of beginners.
- Savers building an ISA or SIPP through isa and sipp who can clear a £1,000 to £5,000 minimum and prefer one recurring charge.
- Readers who value being able to ask a question, with email, chat and phone available across phone, chat and email.
Who should look elsewhere
- Anyone starting below £1,000 to £5,000: Axos Invest takes a managed portfolio minimum of $100, quoted in US dollars.
- Readers whose first question is the smallest ongoing charge: eToro's management fee is 0%.
- Traders who want to place their own orders: Wealthify runs the low fees managed model around portfolios in esg and cash rather than self-directed dealing.
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 | quirion | Wealthify |
|---|---|---|
| Germany | Yes | No |
Questions about each
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.
Wealthify
What does Wealthify charge?+
Wealthify charges a single management fee of 0.6% on the portfolio it manages, and the same fee applies to both account types in the range. Deposits, withdrawals and transfers are not charged either, so the recurring percentage is the number to hold on to when you compare. There is no order ticket to price on this account.
How much do I need to start with Wealthify?+
The minimum investment runs £1,000 to £5,000, and the minimum deposit is £1,000. That is a high starting point for a robo-advisor: Axos Invest quotes a managed portfolio minimum of $100 in US dollars, and the median minimum across the brands compared is €25. Anyone starting below Wealthify's threshold needs a different provider.
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