Updated October 21, 2026 · SumCue Editorial Team

Top robo-advisors compared in Germany

63 providers available in Germany, ranked for Germany.

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Top robo-advisors compared in Germany
OrderProviderScoreFeaturesKey factsActions
1
Smavesto logo
SmavestoTop pickPartner

German robo-advisor and subsidiary of Sparkasse Bremen that builds ETF savings plans from 50 euro a month, with optional gold and crypto exposure.

8.2/10
    Portfolio types:
    ETF
    ReviewCompareVisit
    2
    Revolut UK logo
    Revolut UKPartner
    9.4/10
    • No annual fee
    • Travel
    Management fee:
    0%
    Regulators:
    Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC
    Investor protection:
    EU ICS up to EUR 20,000
    ReviewCompareVisit
    3
    Revolut logo
    RevolutPartner
    9.2/10
    • No monthly fee
    • Travel
    Management fee:
    0%
    Regulators:
    Cyprus Securities and Exchange Commission (CySEC), LT BL
    Investor protection:
    FSCS up to GBP 85,000
    ReviewCompareVisit
    4
    Lightyear logo
    LightyearPartner
    8.9/10
    • Low fees
    Minimum investment:
    €1
    Regulators:
    Estonian Financial Supervision Authority, Estonian Financial Supervision Authority (EFSA)
    Investor protection:
    EU ICS up to EUR 20,000
    ReviewCompareVisit
    5
    Interactive Brokers logo
    Interactive BrokersPartner
    9.6/10
    • Low fees
    Regulators:
    SEC, FCA, SIPC
    Investor protection:
    SIPC up to USD 500,000
    Account types:
    ISA, SIPP, IRA, and 2 more
    ReviewCompareSee alternatives
    6
    1822direkt logo
    1822direktPartner

    Tagesgeldkonto Sonderzins 3,50 % p.a. fuer 6 Monate: 3.50% p.a. for 6 months on up to 250,000 EUR, then variable base rate of currently 0.60%

    9.4/10
    • No monthly fee
    Management fee:
    0%
    Minimum investment:
    €25
    Regulators:
    Europäische Zentralbank (ECB), Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Versicherungsvermittlerregister
    ReviewCompareSee alternatives
    7
    Deutsche Bank logo
    Deutsche BankPartner

    FestzinsSparen: 2,7 % p.a. for 12 months

    9.4/10
    • No monthly fee
    Regulators:
    Federal Financial Supervisory Authority (BaFin), SIPC
    Investor protection:
    EU ICS up to EUR 20,000
    Legal entity:
    Deutsche Bank AG
    ReviewCompareSee alternatives
    8
    growney logo
    growneyPartner
    9.3/10
    • No monthly fee
    Management fee:
    0.38% to 0.68%
    Minimum investment:
    €25
    Regulators:
    Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank
    ReviewCompareSee alternatives
    9
    willbe logo
    willbePartner

    Download the app and save 3 months of fees: 3 months of fees free

    9.3/10
    • Low fees
    Management fee:
    0.49%
    Minimum investment:
    €200
    Portfolio types:
    ETF, ESG, Cash
    ReviewCompareSee alternatives
    10
    eToro logo
    eToroPartner
    9.2/10
      Management fee:
      0%
      Minimum investment:
      $500
      Regulators:
      Cyprus Securities and Exchange Commission (CySEC), SIPC
      ReviewCompareSee alternatives

      Licensed in Germany

      1822direkt
      Europäische Zentralbank (ECB)
      1822direkt
      Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
      Deutsche Bank
      Europäische Zentralbank (EZB)
      Deutsche Bank
      Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
      growney
      Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
      growney
      Deutsche Bundesbank
      Evergreen GmbH
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
      Evergreen GmbH
      Deutsche Bundesbank
      Ginmon
      Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
      Ginmon
      Deutsche Bundesbank, Hauptverwaltung Hessen
      quirion
      Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
      Finanzguru AT
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
      Finanzguru AT
      IHK Frankfurt am Main
      LIQID
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
      LIQID
      Deutsche Bundesbank
      Scalable Capital
      Federal Financial Supervisory Authority (BaFin)
      UnitPlus
      IHK Berlin (34f GewO)
      Quirin Privatbank
      Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
      Whitebox
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
      UnitPlus
      IHK Berlin (registration as financial investment intermediary under Section 34f GewO)

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      Smavesto

      Smavesto

      Top pick for Germany

      8.2/10Visit