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Quirin Privatbank review

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

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Our verdict

Quirin Privatbank offers managed ETF and fund portfolios alongside a cash account paying a variable 1%. It suits savers who want a German bank, daily access to their money and portfolios and cash in one place, with management fees of 0.88% to 1.48% on the managed packages.

Key facts

Best for
Managed portfolios and daily-access cash sitting in a single German bank account.
Management fee
0.88% to 1.48%↗
Regulators
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)↗
Investor protection
EU ICS up to EUR 20,000↗
Portfolio types
ETF, ESG, Cash↗
Legal entity
Quirin Privatbank AG↗
Headquarters
Germany↗
Founded
1998↗
Support channels
Email, Phone, Help-centre↗
Official website
quirinprivatbank.de

Savings

Headline rate
1%↗
Rate type
Variable↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Daily availability, no minimum holding period↗
Monthly fee
€0↗
Account kind
Easy access↗
Pricing model
No monthly fee

Brokers

Markets
ETFs, Funds↗
Features
Mobile app

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIninstagram.com

Pros and cons

Pros

  • Portfolio options cover etf, esg and cash and are built from etfs and funds, so the fund picking is done for you.
  • The cash account pays a variable 1% with Daily availability, no minimum holding period.
  • Regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), with EU ICS up to EUR 20,000 on investments and EU DGS up to EUR 100,000 on cash.
  • The cash account has a monthly fee of €0, and the bank has traded since 1998.

Cons

  • Management fees of 0.88% to 1.48% sit above the 0.35% for robo-advisors on the site.
  • Cash pays a variable 1%, under the 2.55% for the same group.
  • The investment range is limited to etfs and funds, so direct share dealing and crypto sit outside it.
Quirin Privatbank

Ready to try Quirin Privatbank?

Scored 8.9 / 10 by SumCue.

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Who it suits

  • Savers who want managed etf, esg and cash portfolios and easy-access cash in the same account.
  • Readers who put weight on EU ICS up to EUR 20,000 for investments and EU DGS up to EUR 100,000 for cash.
  • People comfortable paying 0.88% to 1.48% for a set portfolio rather than choosing funds themselves.

Who should look elsewhere

  • Cost-first investors, since eToro charges a management fee of 0%.
  • Readers who want SIPC cover, which Axos Invest lists under SIPC.
  • Anyone weighing a free robo platform, since Empower Personal Dashboard charges a management fee of 0%.

How Quirin Privatbank compares

Where Quirin Privatbank is available

Available
Germany
Licence in Germany
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to hold money here?+

Managed investment packages carry a management fee of 0.88% to 1.48%. The cash account charges a monthly fee of €0. Both products sit under Quirin Privatbank AG and are handled through the mobile app, so there is no separate brokerage relationship to set up.

Who regulates the bank?+

Quirin Privatbank AG is supervised in Germany by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). Investment balances fall under EU ICS up to EUR 20,000, and cash deposits are covered by EU DGS up to EUR 100,000. Both are European schemes, so recovery depends on the rules of the scheme that applies.

How quickly can I get at my money?+

The cash side is an easy-access account, with Daily availability, no minimum holding period. You are not tied into a term or a notice period, which makes it a practical holding place for cash you plan to add to the portfolios later.

What can I hold in the portfolios?+

The packages cover etf, esg and cash and are assembled from etfs and funds. The ETF options run the buying for you, and the range includes ESG and cash variants. Individual shares and crypto are not part of the listed range, so active traders should look elsewhere.

Can I keep cash and investments together?+

Yes. The easy-access cash account sits alongside the managed packages, so the two halves live under Quirin Privatbank AG. Cash earns a variable 1%, while the portfolios cost 0.88% to 1.48%, and you can move between them inside the mobile app.

How do I get help?+

Support runs on email, phone and help centre, and the mobile app handles the account day to day. The bank is based in Germany and has operated since 1998, so the entity behind the app is an established German bank rather than a new entrant.

Is the fee worth it against free platforms?+

The management fee of 0.88% to 1.48% is above the 0.35% for robo-advisors on the site. Free platforms such as eToro and Empower Personal Dashboard charge a management fee of 0%, so the gap buys set portfolios and easy-access cash from the same bank.

What are the risks to my money?+

Investment values can fall, and across the site 70.15% of retail accounts lose money. The cash rate is variable, so 1% can move, and the protection schemes cap what you recover rather than prevent a loss.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Minimum investment.

Quirin Privatbank

Quirin Privatbank

Managed portfolios and daily-access cash sitting in a single German bank account.

8.9/10See alternatives