Quirion

Quirion is a Berlin-based robo-advisor founded in 2013 as Germany's first, owned by Quirin Privatbank AG. It builds globally diversified ETF portfolios across 10 risk levels, with parallel sustainable (ESG) variants and an optional Megatrends portfolio covering themes such as AI, cybersecurity, infrastructure, new energies and smart cities. Minimum investment is €1, or €25/month via savings plan. The Digital plan charges 0.48% annual asset management fee (free first year up to €10,000); Premium at 1.2% adds a personal advisor and current account. Around 90,000 customers, ~€2.6bn AUM.