Ginmon review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Ginmon suits German savers who want portfolios built and rebalanced for them, with a minimum investment of €1 and a management fee of 0.75%. Regulated in Germany by the Bundesanstalt für Finanzdienstleistungsaufsicht, it offers ETF, ESG and cash portfolios rather than self-directed dealing.
Key facts
- Best for
- Hands-off ETF investing from a small starting amount in Germany.
- Management fee
- 0.75%↗
- Minimum investment
- €1↗
- Regulators
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen↗
- Investor protection
- EU ICS up to EUR 20,000↗
- Account types
- Corporate↗
- Portfolio types
- ETF, ESG, Cash↗
- Legal entity
- Ginmon Vermögensverwaltung GmbH↗
- Headquarters
- Germany↗
- Founded
- 2014↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Official website
- ginmon.de
Brokers
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Minimum investment of €1, so a small pot can get started
- Management fee of 0.75% on the portfolio value, with no separate trade charge to track
- Regulated in Germany by the Bundesanstalt für Finanzdienstleistungsaufsicht and the Deutsche Bundesbank, Hauptverwaltung Hessen
- Support runs through email, chat, phone and a help centre (email, chat and phone)
Cons
- The account type listed is corporate (corporate), so it is aimed at business money rather than personal portfolios
- Portfolios cover ETFs and funds (etfs and funds), so there is no individual share dealing
- A management fee of 0.75% sits above the 0.35% charged across robo-advisors on the site
Who it suits
- German residents who want a managed portfolio rather than self-directed trading
- First-time investors starting from a small amount
- Savings earmarked for the long term and happy to leave rebalancing to someone else
Who should look elsewhere
- Axos Invest, where the minimum investment is $100, above Ginmon's €1
- eToro, which charges a management fee of 0% and is built for self-directed trading
- Empower Personal Dashboard, which offers a management fee of 0%
The company behind it
Ginmon is run by Ginmon Vermögensverwaltung GmbH, based in Germany (Ginmon Vermögensverwaltung GmbH, DE) and founded in 2014. It is supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht and the Deutsche Bundesbank, Hauptverwaltung Hessen. Savers can reach it through email, chat and phone, so a managed account does not mean handling everything alone.
How Ginmon compares
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 8.7
9.2 vs 8.9
9.2 vs 9.2eToro's management fee is 0%, and it is built for self-directed trading rather than the managed portfolios Ginmon runs (etf, esg and cash).
9.2 vs 8.7
9.2 vs 9.3
9.2 vs 9.0
9.2 vs 9.0
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9.2 vs 9.0
9.2 vs 8.6
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9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.3Its management fee is 0%, so Ginmon's 0.75% is the costlier of the two for a managed account.
9.2 vs 9.3
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9.2 vs 8.2- 9.2 vs 8.0
Where Ginmon is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
- Licence in Germany
- Deutsche Bundesbank, Hauptverwaltung Hessen, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Ginmon charge to manage my money?+
Ginmon charges a management fee of 0.75% on the portfolio it manages. Because the portfolios are built and rebalanced for you, there is no per-trade charge to price up separately. Across the robo-advisors compared here the median management fee is 0.35%.
How much do I need to invest to open an account?+
The minimum investment is €1, so a small amount is enough to start a managed portfolio. That sits below the €60.06 minimum among robo-advisors on the site. Money added over time goes into the portfolio type you pick.
What kinds of portfolios does Ginmon offer?+
Ginmon offers ETF, ESG and cash portfolios (etf, esg and cash). The underlying holdings come from ETFs and funds (etfs and funds), so the approach is broad market investing rather than picking individual shares. The portfolio type you choose sets how the money is put to work.
Is my money protected and who regulates Ginmon?+
Ginmon is supervised in Germany by the Bundesanstalt für Finanzdienstleistungsaufsicht and the Deutsche Bundesbank, Hauptverwaltung Hessen (Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Deutsche Bundesbank, Hauptverwaltung Hessen). Investor compensation is EU ICS up to EUR 20,000, which is the scheme that covers eligible deposits if a firm fails.
What account type does Ginmon offer?+
The account type listed for Ginmon is corporate (corporate). That means the accounts described are set up for business money, so anyone saving for personal goals should check the terms before opening one. The account structure is one of the first things to read on the Ginmon site.
Does it cost anything to move money in or out?+
Deposits and withdrawals are free (Free deposits and withdrawals), so money can move in and out without a separate charge eating into the pot. A management fee of 0.75% plus free deposits and withdrawals keeps the running costs simple to track.
Who is Ginmon aimed at?+
Ginmon is built for people who want a managed portfolio rather than self-directed dealing, and the minimum investment of €1 suits a first-timer or a small monthly amount. Support runs through email, chat and phone. A business saving for its owners fits the corporate account type (corporate).
Sources
- ginmon.de checked September 26, 2026
Backs: Founded
- ginmon.de/gebuehren checked September 26, 2026
Backs: Management fee, Minimum investment, Portfolio types
“Ginmon Servicegebühr exkl. ETF-Kosten 0,75 % p.a. bzw. 0,60% p.a. ab 1.000.000 € Geldanlage”
- ginmon.de/ginmon-company checked September 26, 2026
Backs: Account types
- ginmon.de/impressum checked September 26, 2026
Backs: Headquarters, Investor protection, Legal entity, Regulators, Licences
“Ginmon Vermögensverwaltung GmbH, Mainzer Landstraße 33a, 60329 Frankfurt am Main; Amtsgericht Frankfurt am Main, HRB 107290”
- ginmon.de/kontakt checked September 26, 2026
Backs: Support channels
- ginmon.de/gebuehren checked September 26, 2026
Backs: Deposit and withdrawal fees, Minimum deposit
“Invest ... ab 1 EUR, Sparplan ab 1 EUR - Ginmon Invest”
- robo-advisorfinder.com/list/ginmon checked September 26, 2026
Backs: Markets
“Instruments used: ETFs, Index Funds”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.