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LIQID review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

LIQID suits German investors who want a regulated, hands-off ETF and fund portfolio. Deposits sit under EU ICS up to EUR 20,000, one all-in management fee of 0.2% to 0.9% runs across the range, and the minimum investment of €20,000 to €200,000 keeps it out of reach for smaller savers.

Key facts

Best for
A German-regulated, set ETF and fund portfolio run for you.
Management fee
0.2% to 0.9%↗
Minimum investment
€20,000 to €200,000↗
Regulators
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank↗
Investor protection
EU ICS up to EUR 20,000↗
Portfolio types
ETF, ESG, Cash↗
Legal entity
LIQID Asset Management GmbH↗
Headquarters
Germany↗
Founded
2016↗
Support channels
Email, Phone, Help-centre↗
Official website
liqid.de

Brokers

Markets
ETFs, Funds↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App Store
Elsewhere
TrustpilotLinkedIninstagram.com

Pros and cons

Pros

  • Regulated in Germany, with EU ICS up to EUR 20,000 covering deposits
  • Portfolios span etf, esg and cash, so ESG and cash options sit alongside ETFs
  • Support runs through email, phone and help centre by email, phone or the help centre

Cons

  • The minimum investment of €20,000 to €200,000 sits well above the robo-advisor median
  • Markets cover etfs and funds only, with no single shares to deal in
  • A cash portfolio still pays a fee of 0.2% to 0.9% on money left uninvested
LIQID

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • German investors who want a set portfolio rather than picking funds themselves
  • Investors with a lump sum that clears €20,000 to €200,000
  • People who put a supervised provider above the smallest fee

Who should look elsewhere

  • Smaller savers: eToro charges 0% in management fees
  • Anyone starting small: Axos Invest begins at $100
  • Cost-first readers: Empower Personal Dashboard lists 0%

How LIQID compares

Where LIQID is available

Available
Germany
Licence in Germany
Bundesanstalt fuer 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 LIQID charge to manage money?+

LIQID charges a single management fee of 0.2% to 0.9% across its portfolio range, so there is no separate trade fee on each holding. For comparison, eToro lists 0% and Empower Personal Dashboard lists 0%.

How much do I need to start investing?+

The minimum investment is €20,000 to €200,000, which sits well above the robo-advisor median of €60.06. Readers with smaller sums will find a lighter entry at Axos Invest, which begins at $100.

Is my money protected at LIQID?+

Deposits sit under EU ICS up to EUR 20,000. LIQID Asset Management GmbH is supervised in Germany by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and the Deutsche Bundesbank, so the provider sits inside a regulated framework.

What can I invest in with LIQID?+

Markets cover etfs and funds, so your money goes into funds rather than single shares. Portfolios are built across etf, esg and cash, which lets you hold an ESG tilt or park part of the balance in cash within the same product.

Who does LIQID suit?+

It suits German investors who want a managed, set portfolio and can meet the minimum investment of €20,000 to €200,000. Readers who want to pay 0% in management fees, or start at a lower minimum, will find cheaper options elsewhere.

How do I get help from LIQID?+

Support runs through email, phone and help centre, covering email, phone and a help centre for written questions. Around 70.4% of the robo-advisors listed offer phone support as well, so a call is a standard route here.

How long has LIQID been running?+

The company was founded in 2016 and operates as LIQID Asset Management GmbH from Germany. That is a shorter track record than the long-established platforms readers may compare it with, so weigh the fee against the service history.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

LIQID

LIQID

A German-regulated, set ETF and fund portfolio run for you.

9.0/10See alternatives