Online Robo Advisors in Europe

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Get started with investing by opening an account with an online Robo-Advisor!

To learn more about how it really works, read my two blog posts below:

 

easyfolio

Country where based: Germany
Language of website: German
Annual management fee: 1% - 1.03%
Other fees: Depot cost between EUR 15 - 45, underlying ETF fees
Account currency: EUR
Minimum initial investment: EUR 114
Minimum for following contributions: EUR 10
Type of underlying investments: ETFs
Who can invest? EU and Swiss residents
Sustainable portfolio option? No
Accepting children? Yes
Accepting US persons? No

Remark(s): Also available through other German depot banks


easyvest

Country where based: Belgium
Language of website: French, Dutch, English
Annual management fee: 0.50% - 1.00%
Other fees: Underlying ETF fees
Account currency: EUR
Minimum initial investment: EUR 5,000
Minimum for following contributions: EUR 1,000
Type of underlying investments: ETFs
Who can invest? Belgian residents or belgian citizens residing abroad
Sustainable portfolio option? No
Accepting children? Yes
Accepting US persons? No

Remark(s): Includes a pension planning tool and also offer tax deductible pension products for Belgium


etfmatic

Country where based: United Kingdom
Language of website: English
Annual management fee: 0.48%
Other fees: Underlying ETF fees
Account currency: EUR, GBP, USD
Minimum initial investment: EUR 100
Minimum for following contributions: No minimum
Type of underlying investments: ETFs
Who can invest? EU and Swiss residents
Sustainable portfolio option? No
Accepting children? Yes
Accepting US persons? No

Remark(s): Very user-friendly


Country where based: Spain
Language of website: Spanish
Annual management fee: Flat fee of EUR 15/month
Other fees: Underlying fund fees
Account currency: EUR
Minimum initial investment: EUR 5,000
Minimum for following contributions: No minimum
Type of underlying investments: Third-party funds
Who can invest? Spanish residents
Sustainable portfolio option? No
Accepting children? Yes
Accepting US persons? No

Remark(s): Investing in third-party actively managed funds

feelcapital


Country where based: Germany
Language of website: German
Annual management fee: 0.45% - 0.95%
Other fees: Underlying ETF fees
Account currency: EUR
Minimum initial investment: EUR 2,500
Minimum for following contributions: EUR 50
Type of underlying investments: ETFs
Who can invest? EU and Swiss residents
Sustainable portfolio option? Yes
Accepting children? No
Accepting US persons? No

Remark(s): -

Fintego


Country where based: Germany
Language of website: German
Annual management fee: 0.31% - 0.41%
Other fees: 10% of profits subject to high watermark principle
Account currency: EUR
Minimum initial investment: EUR 5,000 (or EUR 1,000 with monthly contribution of min. EUR 50)
Minimum for following contributions: EUR 50
Type of underlying investments: ETFs
Who can invest? EU and Swiss residents
Sustainable portfolio option? No
Accepting children? Yes
Accepting US persons? No

Remark(s): Anti-cyclic rule based investing using an algorithm; one of the few that charges a ‘performance’ fee

Ginmon


Country where based: Germany
Language of website: German
Annual management fee: 0.39% - 0.99%
Other fees: Underlying ETF fees
Account currency: EUR
Minimum initial investment: No minimum
Minimum for following contributions: No minimum
Type of underlying investments: ETFs
Who can invest? Anyone with a EUR bank account in Germany, Belgium, France, Italy, Netherlands, Austria, Poland or Switzerland
Sustainable portfolio option? No
Accepting children? No
Accepting US persons? No

Remark(s): Received many prizes as best robo-advisors in Germany; collaboration with women online financial platform FinMarie

Growney


Country where based: Germany
Language of website: German
Annual management fee: 0.50% - 0.90%
Other fees: Underlying ETF and fund fees
Account currency: EUR
Minimum initial investment: EUR 100,000
Minimum for following contributions: EUR 5,000
Type of underlying investments: ETFs and third-party funds
Who can invest? EU and Swiss residents
Sustainable portfolio option? Yes
Accepting children? Yes
Accepting US persons? No

Remark(s): Requires a high minimum investment of EUR 100,000

Liqid


Country where based: France
Language of website: French
Annual management fee: Flat fee of EUR 80 - 600
Other fees: 5% of annual profits
Account currency: EUR
Minimum initial investment: EUR 5,000
Minimum for following contributions: EUR 100
Type of underlying investments: ETFs
Who can invest? EU and Swiss residents
Sustainable portfolio option? No
Accepting children? Yes, as of 12 years of age
Accepting US persons? Yes

Remark(s): One of the few that charge a ‘performance’ fee

Marie Quantier


Country where based: Germany
Language of website: German
Annual management fee: 0.48%
Other fees: Underlying ETF fees
Account currency: EUR
Minimum initial investment: EUR 10,000
Minimum for following contributions: No minimum
Type of underlying investments: ETFs
Who can invest? EU residents, Swiss residents who have a SEPA bank account
Sustainable portfolio option? No
Accepting children? No
Accepting US persons? No

Remark(s): -

Quirion


Country where based: Germany, United Kingdom
Language of website: German, English
Annual management fee: 0.75%
Other fees: Underlying ETF fees
Account currency: EUR, GBP
Minimum initial investment: EUR 10,000
Minimum for following contributions: No minimum
Type of underlying investments: ETFs
Who can invest? Residents of Germany, United Kingdom, Switzerland, Austria
Sustainable portfolio option? No
Accepting children? Yes
Accepting US persons? No

Remark(s): Also offers UK pensions solutions

Scalable Capital


Country where based: Switzerland
Language of website: English
Annual management fee: 0.50%
Other fees: Underlying ETF fees
Account currency: CHF, EUR, USD, GBP
Minimum initial investment: EUR 6,000
Minimum for following contributions: No minimum
Type of underlying investments: ETFs
Who can invest? Swiss and EU residents
Sustainable portfolio option? Yes
Accepting children? No
Accepting US persons? Yes

Remark(s): -

Simple wealth


Country where based: Switzerland
Language of website: German, English
Annual management fee: 0.95% - 1.25%
Other fees: None for shares and bonds; underlying ETF fees
Account currency: CHF, EUR, USD, GBP
Minimum initial investment: EUR 10,000
Minimum for following contributions: No minimum
Type of underlying investments: Shares, bonds, ETFs
Who can invest? Anyone except US persons
Sustainable portfolio option? No
Accepting children? No
Accepting US persons? No

Remark(s): -

Swissquote Robo Advisory


Country where based: Germany
Language of website: German
Annual management fee: 0.49% - 0.79%
Other fees: Underlying ETF fees
Account currency: EUR
Minimum initial investment: EUR 10
Minimum for following contributions: No minimum
Type of underlying investments: ETFs and index funds
Who can invest? EU residents, Swiss residents who have a SEPA bank account
Sustainable portfolio option? No
Accepting children? No
Accepting US persons? No

Remark(s): -

Vaamo


Country where based: Germany
Language of website: German
Annual management fee: 0.60%
Other fees: Underlying ETF fees
Account currency: EUR
Minimum initial investment: EUR 500
Minimum for following contributions: EUR 25
Type of underlying investments: ETFs and third-party funds
Who can invest? German residents
Sustainable portfolio option? Yes
Accepting children? Yes
Accepting US persons? No

Remark(s): -

Visualvest


Country where based: Germany
Language of website: German
Annual management fee: 0.33%
Other fees: Underlying ETF and index fund fees
Account currency: EUR
Minimum initial investment: EUR 2,000
Minimum for following contributions: EUR 200
Type of underlying investments: ETFs
Who can invest? German residents
Sustainable portfolio option? No
Accepting children? No
Accepting US persons? No

Remark(s): The lowest management fee for an online robo-advisor in Europe!

WeltSparen


Country where based: Germany
Language of website: German
Annual management fee: 0.35% - 0.95%
Other fees: Underlying ETF and index fund fees
Account currency: EUR
Minimum initial investment: EUR 5,000
Minimum for following contributions: No minimum
Type of underlying investments: ETFs and other third-party passive funds
Who can invest? EU and Swiss residents
Sustainable portfolio option? No
Accepting children? No
Accepting US persons? No

Remark(s): The two co-founders and CEOs are women!

Whitebox


Country where based: France
Language of website: French
Annual management fee: 1.30%
Other fees: 0.3% flat fee for underlying ETF and index funds
Account currency: EUR
Minimum initial investment: EUR 1,000
Minimum for following contributions: EUR 50
Type of underlying investments: ETFs
Who can invest? EU residents, Swiss residents who have a SEPA bank account
Sustainable portfolio option? No
Accepting children? Yes, but only if they are French
Accepting US persons? No

Remark(s): Personal advisors always available online

Yomoni