Updated September 28, 2026 · BrokerCue Editorial Team
quirion vs Wealthsimple
quirion vs Wealthsimple: the differences
| Compare |  quirion |  Wealthsimple |
|---|---|---|
| Management fee | 0.48%Lower | 0.5% |
| Minimum investment | €0 | CA$1 |
| Account types | Joint | Joint, CorporateCovers more |
| Portfolio types | ETF, ESG, Cash | ETF, Cash, Crypto |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
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Key differences
- Wealthsimple scores higher overall: 9.4 vs 9.2.
- Management fee is lower at quirion: 0.48% vs 0.5%.
- Account types: only Wealthsimple offers Corporate.
- Portfolio types: only quirion offers ESG.
- Portfolio types: only Wealthsimple offers Crypto.
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.
Wealthsimple
Wealthsimple serves Canadian beginners and experienced investors who want self-directed trading and managed portfolios in a single app. The minimum deposit is CAD 0, the stock trade fee is CAD 0 and the account fee is CAD 0, while the UK is not among its markets (stocks, etfs and options).
Score breakdown
| Area | quirion | Wealthsimple |
|---|---|---|
| Cost | 9.4Management fee of 0.48% with a minimum investment of €0 and no charge on deposits or withdrawals. | 9.6HigherMinimum deposit of CAD 0, stock trade fee of CAD 0, options contract fee of CAD 0 and account fee of CAD 0. |
| Offer | 9.2 | 9.2Managed portfolios charge 0.5% and start at CAD 1, with cash earning 1.25%. |
| Trust | 9.0 | Not confirmed |
Pick quirion if, pick Wealthsimple if
Pick quirion if management fee matter most.
Pick Wealthsimple if account types matter most.
Feature by feature
| Portfolio types | quirion | Wealthsimple |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | No |
| Cash | Yes | Yes |
| Crypto | No | Yes |
| Account types | quirion | Wealthsimple |
|---|---|---|
| Joint | Yes | Yes |
| Corporate | No | Yes |
Where they rank in our lists
| Ranking | quirion | Wealthsimple |
|---|---|---|
| Stock and ETF brokers | 102 of 471 | 62 of 471 |
| Robo-advisors | 33 of 151 | 16 of 151 |
What we checked
quirion
- quirion.de: 8 facts, checked September 26, 2026
- bafin.de: 2 facts, checked September 26, 2026
Wealthsimple
- wealthsimple.com: 6 facts, checked September 26, 2026
- help.wealthsimple.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | quirion | Wealthsimple |
|---|---|---|
| Legal entity | quirion AG | Wealthsimple Technologies Inc. |
| Headquarters | Germany | Canada |
| Founded | 2013 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centre | Chat, Email, Phone, Help centre |
Brokers
| Fact | quirion | Wealthsimple |
|---|---|---|
| Minimum deposit | €25 | CA$0 |
| Stock trade fee | Not confirmed | CA$0 |
| Account fee | Not confirmed | CA$0 |
| Markets | ETFs, Funds | Stocks, ETFs, Options, Crypto, Futures |
| Features | Mobile app | Crypto, Fractional shares, Mobile appCovers more |
| Pricing model | Not confirmed | Commission free |
| Audience | Not confirmed | Beginners, Experienced |
| Margin rate | Not confirmed | 3.95% |
| Options contract fee | Not confirmed | CA$0 |
| Deposit and withdrawal fees | free deposits and withdrawals | Not confirmed |
| Interest on cash | Not confirmed | 1.25% |
Where each stands against the rest
| Fact | quirion | Wealthsimple | Median |
|---|---|---|---|
| Management fee | 0.48%above the median | 0.5%above the median | 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
Wealthsimple
Pros
- Stock trade fee of CAD 0 on a commission-free model across self-directed accounts
- Minimum deposit of CAD 0, so an account opens with a small sum
- Managed portfolios charge a management fee of 0.5% and start at CAD 1
Cons
- The UK and Europe are not among its markets (stocks, etfs and options), so a reader there would need a different broker
- Managed portfolios carry a management fee of 0.5% on top of CAD 0 self-directed trades
- Margin is available at a margin rate of 3.95%, which amplifies losses on a levered position
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
Wealthsimple
Who it suits
- Canadian beginners putting money away in a managed portfolio
- Canadian investors buying fractional shares in a mobile app
- Experienced traders wanting stocks, ETFs, options, crypto and futures in a single account
Who should look elsewhere
- UK or EU readers, who should look at CFI, eToro or Vantage instead
- Traders who want a forex and CFD range, since stocks, etfs and options omits both
- Anyone seeking an ISA, SIPP or similar tax-sheltered wrapper, since neither is among its account types (joint and corporate)
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 | Wealthsimple |
|---|---|---|
| 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.
Wealthsimple
What does it cost to trade stocks at Wealthsimple?+
The stock trade fee is CAD 0 and the account fee is CAD 0. Options contracts carry a fee of CAD 0. Cash earns interest of 1.25%. Managed portfolios are the part that still charges, at a management fee of 0.5%.
Is there a minimum deposit or account fee?+
The minimum deposit is CAD 0 and the account fee is CAD 0, so opening an account costs nothing. Managed portfolios ask for a minimum investment of CAD 1. Brands across the site typically ask €4.64 to start.
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