OSKAR review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
OSKAR is a German robo-advisor that keeps the entry point at a minimum investment of €25 and lets savers walk away at any time with no notice period and no cancellation fees. It suits people who want an ETF portfolio built for them and who value pauseable contributions over picking investments themselves.
Key facts
Savings
Brokers
- Markets
- ETFs↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Portfolio options span etf, esg and crypto, so ETF, ESG, crypto and cash mixes sit under one plan.
- The account is easy access, so a savings plan can be paused once a set total is reached.
Cons
- The management fee of 0.7% to 1% a year is above the robo-advisor median of 0.35%.
- Support runs on email and help centre only, with no phone line and no live chat.
- Investing is limited to etfs, so single shares are out of reach.
Who it suits
- Savers who want a managed ETF portfolio without choosing investments themselves.
- Anyone building up with small regular amounts, since the minimum investment is €25.
- People whose plans may change, because cancelling carries no notice period and no cancellation fees.
Who should look elsewhere
- Traders who want to pick individual shares, since the plan covers etfs only.
- Anyone who wants a managed portfolio with no ongoing charge, where eToro's management fee is 0%.
Fees and FX
OSKAR takes a single management fee of 0.7% to 1% a year on the invested amount, and that percentage is the main ongoing cost of the plan. The minimum investment of €25 is the only entry threshold, so the same percentage applies from the opening deposit and keeps applying as the portfolio grows. Because the charge scales with the balance, the cost is easier to predict in a small plan than in a large one.
How OSKAR compares
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 9.4
8.9 vs 8.7
8.9 vs 8.5
8.9 vs 9.4
8.9 vs 9.3
8.9 vs 8.7
8.9 vs 8.9
8.9 vs 9.2Its management fee is 0%, so it takes no ongoing charge, which suits anyone comparing robo-advisors purely on running cost.
8.9 vs 8.7
8.9 vs 9.3
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.2
8.9 vs 9.0
8.9 vs 8.6
8.9 vs 8.5
8.9 vs 8.3
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.3Its management fee is 0%, so it charges no ongoing percentage, which suits anyone wanting a managed plan without one.
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.6
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.4
8.9 vs 8.2- 8.9 vs 8.0
Where OSKAR is available
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does OSKAR charge to run the account?+
The cost sits in one place: a management fee of 0.7% to 1% a year, taken from the invested amount rather than billed as a separate bill. The monthly fee is free, so no subscription sits on top. As the balance grows, the percentage charge grows with it, which matters most for larger portfolios.
How much do I need to get started?+
The minimum investment is €25, and the minimum deposit matches it, so a small opening payment is enough. That entry point sits well below the robo-advisor median minimum investment of €60.06, which makes the plan reachable for people saving in smaller amounts each month.
What will my money be invested in?+
The portfolio is built around ETFs, with choices across etf, esg and crypto. That mix lets the plan hold an ETF core alongside ESG, crypto and cash elements, and the markets covered are etfs. Single shares are not part of the setup, so the selection is made for you rather than by you.
Who runs OSKAR and where is it based?+
OSKAR is operated by Oskar.de GmbH and registered in Germany, so it is a German provider rather than a UK one. The minimum investment is €25 and the management fee of 0.7% to 1% a year are both set in euro terms, which is worth weighing against platforms quoted in pounds.
How do I get help when something goes wrong?+
Support runs through email and help centre, so questions are answered by email or via the help centre rather than by phone or live chat. That suits people who are comfortable writing in and reading replies, and suits them less if they would rather talk a problem through with someone in real time.
Sources
- oskar.de checked September 26, 2026
Backs: Access terms, Account kind, Monthly fee, Rate type
- oskar.de checked September 26, 2026
Backs: Portfolio types
- oskar.de/impressum checked September 26, 2026
Backs: Headquarters, Legal entity
“Oskar.de GmbH, Karl-Friedrich-Str. 22, 76133 Karlsruhe”
- oskar.de/kontakt checked September 26, 2026
Backs: Support channels
- oskar.de/kosten checked September 26, 2026
Backs: Management fee, Markets, Minimum investment, Pricing model
“Die 10 OSKAR ETFs/ETCs”
- webdisclosure.com/press-release/baader-wertpapierhandelsb... checked September 26, 2026
Backs: Minimum deposit
“invest in ETFs starting from a savings amount of 25 euros per month”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Regulators, Investor protection.
OSKAR
Anyone wanting a robo-managed plan from a small amount, with the option to leave without notice.