growney review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
growney suits beginners in Germany who want a managed portfolio alongside easy-access savings, with the portfolio starting from €25. The management fee of 0.38% to 0.68% a year is the main ongoing cost, and the savings rate is variable rather than fixed for a term, so the return on savings can move.
Key facts
- Best for
- Beginners wanting a managed portfolio and easy-access savings in one app.
- Management fee
- 0.38% to 0.68%↗
- Minimum investment
- €25↗
- Regulators
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank↗
- Investor protection
- EU ICS up to EUR 20,000↗
- Account types
- Joint, Corporate↗
- Portfolio types
- ETF, ESG, Cash↗
- Legal entity
- growney GmbH↗
- Headquarters
- Germany↗
- Founded
- 2014↗
- Support channels
- Phone, Chat, Email, Help-centre↗
- Official website
- growney.de
Brokers
Savings
- Headline rate
- 2.25%↗
- Rate type
- Variable↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Daily access to Tagesgeld at any time, no notice period, no cancellation fees↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
Pros
- No monthly account charge: the monthly fee is €0.
- Daily access to overnight savings, with no notice period and no cancellation fees.
- Savings deposits sit under EU DGS up to EUR 100,000 and investments under EU ICS up to EUR 20,000, supervised by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Deutsche Bundesbank.
- Support runs on phone, chat and email, so help is easy to reach.
Cons
- Savings are easy access only, with no fixed-term product in the range, so a rate cannot be locked.
- Investing covers etfs and funds, so there are no individual shares, bonds or crypto to trade.
- The management fee of 0.38% to 0.68% a year is the main recurring cost and it varies by plan.
Who it suits
- Beginners who want the portfolio picked for them: the audience is listed as beginners.
- Savers who need money on short notice, since the savings side can be drawn daily.
- People who want a joint or corporate account, since joint and corporate are offered.
Who should look elsewhere
- eToro, where the management fee is listed as 0%, suits people who would rather trade directly than follow a managed portfolio.
- Axos Invest, which starts at a minimum investment of $100, fits savers able to put in more up front.
- Empower Personal Dashboard, listed at a management fee of 0%, is the pick for anyone wanting no annual portfolio charge.
Fees and FX
The running cost is the management fee of 0.38% to 0.68% a year on the managed portfolio, and it changes with the plan you pick. The other figure is the starting amount of €25, low enough to run a robo portfolio with a small first sum and add to it later.
How growney compares
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 8.7
9.3 vs 8.9
9.3 vs 9.2Its management fee is listed as 0%, set against the management fee of 0.38% to 0.68% on a managed portfolio here.
9.3 vs 8.7
9.3 vs 9.3
9.3 vs 9.0
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9.3 vs 9.3Its management fee is 0%, so there is no annual portfolio charge to weigh against 0.38% to 0.68%.
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9.3 vs 9.3
9.3 vs 9.3
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9.3 vs 8.2- 9.3 vs 8.0
Where growney is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
- Licence in Germany
- Deutsche Bundesbank, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does growney charge to manage my money?+
The ongoing cost is a management fee of 0.38% to 0.68% a year, which changes with the plan. The portfolio itself carries a monthly fee of €0, and the starting amount is €25, so a small first sum is realistic.
Is my money protected?+
Protection depends on what you hold. Savings deposits are covered under EU DGS up to EUR 100,000, and investments held in the securities account fall under EU ICS up to EUR 20,000, which is separate from deposit protection. The firm behind the service is growney GmbH, supervised by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Deutsche Bundesbank.
Can I get at my savings quickly?+
Yes for the savings side: daily access to the overnight account at any time, with no notice period and no cancellation fees. The account kind is listed as easy access, so the money stays reachable rather than tied to a term.
How much do I need to start?+
The managed portfolio starts at €25, and savings accounts take a minimum deposit of €1. Both entry points are low, so you can open the account with a small amount and add to it as your balance grows.
What can I actually invest in?+
Portfolios come in ETF, ESG and cash versions, and the underlying markets are etfs and funds. There is no share dealing here, so you buy funds rather than pick individual companies, and the portfolio choice stays within those styles.
Who is growney aimed at?+
The audience is listed as beginners, and the company behind the service, growney GmbH, is based in Germany. Joint and corporate accounts are also offered, so it works for couples and small companies as well as individual savers.
What interest do I get on the savings?+
The savings account pays 2.25% at a rate type of variable, so the provider can adjust the amount paid. Treat it as flexible savings rather than a locked product, and check the current rate before you commit money.
Can I get help when something goes wrong?+
Support runs on phone, chat and email, and the help centre is a sensible first stop for portfolio or savings questions. The service is built for German savers, so account questions are easier to resolve than cross-border ones.
Sources
- growney.de checked September 26, 2026
Backs: Audience, Markets, Minimum investment, Support channels
“Kein Vorwissen, kein Aufwand, kein Stress”
- growney.de/firmendepot checked September 26, 2026
Backs: Account types, Portfolio types
- growney.de/kosten checked September 26, 2026
Backs: Access terms, Deposit and withdrawal fees, Management fee, Pricing model, Monthly fee
“Depotwert unter 50.000 € 0,68 % p.a. / Depotwert ab 50.000 € 0,38 % p.a.”
- growney.de/legal/impressum checked September 26, 2026
Backs: Deposit protection, Founded, Headquarters, Investor protection, Legal entity, Regulators, Licences
“Gegründet: 2014 in Berlin”
- growney.de/sparen checked September 26, 2026
Backs: Account kind, Interest on cash, Headline rate, Rate type
- kundenservice.growney.de/hc/de/articles/8162317994780-Wie... checked September 26, 2026
Backs: Minimum deposit
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
growney
Beginners wanting a managed portfolio and easy-access savings in one app.