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quirion review

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

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Our verdict

Quirion suits German savers who want one account for cash and managed investing without a monthly charge. Its management fee of 0.48% sits close to the robo-advisor median of 0.35%, while deposits and withdrawals stay free.

Key facts

Best for
German savers who want managed investing and easy-access cash in one account with no monthly fee.
Management fee
0.48%↗
Minimum investment
€0↗
Regulators
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)↗
Investor protection
EU ICS up to EUR 20,000↗
Account types
Joint↗
Portfolio types
ETF, ESG, Cash↗
Legal entity
quirion AG↗
Headquarters
Germany↗
Founded
2013↗
Support channels
Email, Chat, Phone, Help-centre↗
Official website
quirion.de

Brokers

Minimum deposit
€25↗
Markets
ETFs, Funds↗
Deposit and withdrawal fees
free deposits and withdrawals↗
Features
Mobile app
Pricing model
No monthly fee

Savings

Headline rate
1%↗
Rate type
Variable↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Daily availability, no minimum deposit or minimum holding period; interest credited at the end of each quarter, pro rata for mid-quarter starts.↗
Monthly fee
€0↗
Account kind
Easy access↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInquirionag.zendesk.com

Pros and cons

Pros

  • A monthly fee of €0 and a management fee of 0.48% keep the running costs low for a managed portfolio.
  • A minimum investment of €0 means you can start with a small amount, and a minimum deposit of €25 suits a first deposit.
  • Deposits and withdrawals are free deposits and withdrawals, so moving money in and out adds nothing to the bill.
  • Supervised by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) with EU ICS up to EUR 20,000 and EU DGS up to EUR 100,000 on the cash side.
  • Support runs on email, chat and phone, and a mobile app covers managing the account away from a desk.

Cons

  • The headline rate of 1% is below the robo-advisor median of 2.55%, so the cash side pays less than most.
  • Interest is credited quarterly rather than monthly, which suits those who can leave money untouched for a stretch.
  • The 0.48% management fee applies to the invested portfolio, so a cash-only balance pays management costs with no market growth to offset them.
  • A joint account is the only account type listed as joint, which limits options for other account needs.
quirion

Ready to try quirion?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • German residents who want easy-access cash and a managed portfolio in one place
  • Savers building a portfolio from a small starting amount
  • People who prefer a regulated provider over a self-directed platform

Who should look elsewhere

  • Investors wanting a wider market choice, since etfs and funds covers a narrow range
  • Anyone who needs a fixed term, because the account is easy access
  • Readers who want the highest cash yield, since the rate of 1% sits below the median

Deposit protection

Regulatory oversight sits with Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), and money held on the platform is covered by EU DGS up to EUR 100,000. Investments sit under EU ICS up to EUR 20,000, which is a lower ceiling, so the two schemes cover different parts of your balance. The provider is registered as quirion AG and is based in Germany, which places it under European rules rather than UK rules. Read the two limits together before you decide how much to hold on the platform.

Rates and card terms

The headline rate of 1% is what the account advertises, and the rate type is variable, so the return can move rather than stay locked in. That figure sits below the robo-advisor median of 2.55%, and below the site median of 3%. Access is on a easy access basis, with daily availability and no minimum holding period, while interest is credited at the end of each quarter, pro rata if you start part way through a quarter.

The company behind it

The provider is quirion AG, headquartered in Germany and founded in 2013. It is supervised by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), and its legal details sit in the company imprint rather than a personal brand. Getting help runs on email, chat and phone, which covers a help centre, email, chat and phone. Portfolio options cover etf, esg and cash, and a mobile app handles the account on the move.

How quirion compares

Where quirion 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 Quirion charge to manage my money?+

The management fee is 0.48%, taken on the managed portfolio. There is no monthly account charge, because the monthly fee is €0. Moving money is also free, with free deposits and withdrawals, so the fee and any trading costs are the main deductions.

How much money do I need to open an account?+

The minimum investment is €0, so a first contribution can be very small. A minimum deposit of €25 applies to the cash side. Together these mean you can test the account with a modest amount rather than committing a large sum up front.

Is my money protected if the provider fails?+

Cash deposits are covered by EU DGS up to EUR 100,000, which is the deposit guarantee for bank balances. Investments are covered by EU ICS up to EUR 20,000, and that ceiling is much lower, so larger portfolios need a different home. Supervision by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) adds a second layer of oversight.

What interest rate does the account pay?+

The headline rate is 1% and the rate type is variable, so the figure can change rather than stay fixed for the term. It is a straightforward cash rate rather than a promotional opening deal, and it sits below the robo-advisor median of 2.55%.

Can I get at my money quickly?+

The account is easy access, available daily, with no minimum holding period. Withdrawals are covered by free deposits and withdrawals, so taking money out costs nothing in fees, though interest is credited quarterly and pro rata for a part quarter.

What can I actually invest in?+

The markets covered are etfs and funds, so the range is funds and exchange traded funds rather than shares, bonds or crypto. Portfolio styles available include etf, esg and cash, which gives you an exchange traded fund option, a responsible option and a cash option.

How do I contact Quirion if something goes wrong?+

Support runs on email, chat and phone, so a help centre, email, chat and phone are all available. You can also manage the account through the mobile app if you are away from a computer. Phone and email are the most commonly used channels in this group.

Is this provider regulated and who runs it?+

The provider is quirion AG, based in Germany and founded in 2013. It is supervised by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), the German financial supervisor. Being based and supervised in Germany means the account is governed by European rules.

Sources

  • quirion.de checked September 26, 2026

    Backs: Account types

  • quirion.de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Sitz: Berlin”

  • quirion.de/leistung checked September 26, 2026

    Backs: Management fee, Portfolio types, Support channels

    “Nur 0,48% p.a.”

  • quirion.de/partnerprogramm checked September 26, 2026

    Backs: Minimum investment

  • quirion.de/ueber-uns checked September 26, 2026

    Backs: Founded

    “Karl Matthäus Schmidt hat quirion 2013 gegründet, als einen der ersten digitalen Vermögensverwalter in Deutschland.”

  • bafin.de checked September 26, 2026

    Backs: Investor protection, Regulators, Licences

  • quirion.de checked September 26, 2026

    Backs: Access terms, Deposit and withdrawal fees, Features, Markets, Minimum deposit, Rate type

    “Hol dir die App”

  • quirion.de/impressum checked September 26, 2026

    Backs: Deposit protection

  • quirion.de/notgroschen checked September 26, 2026

    Backs: Account kind, Headline rate, Pricing model, Monthly fee

    “Anlagehorizont: Sehr kurz; Verfügbarkeit: Täglich; Zinsen: 1 % p. a.; Gebühren: 0 Euro”

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

quirion

quirion

German savers who want managed investing and easy-access cash in one account with no monthly fee.

9.2/10See alternatives