Quirion
Quirion is a Berlin-based digital Robo-Advisor and wholly-owned subsidiary of Quirin Privatbank AG that offers automated, factor-based ETF portfolio management to German retail investors under an annual 0.48% service fee, serving over 90,000 customers across wealth-building, retirement, short-term savings, and children's depot products.
- Company typePrivate
- Founded2013
- HeadquartersBerlin, Germany
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Quirion does
Quirion (legal name: quirion AG) is a Berlin-based digital wealth management platform founded in 2013, operating as a wholly-owned subsidiary of Quirin Privatbank AG and registered as an Aktiengesellschaft at Amtsgericht Berlin-Charlottenburg (HRB 180800), subject to BaFin supervision. The company offers automated ETF portfolio management to German retail investors, building globally diversified portfolios across approximately 8,000 stocks and nearly 3,000 bond issuers using a factor-based investment methodology (Value, Low Volatility, Small Caps, Momentum) grounded in capital-market research. Core products include Vermögensaufbau (long-term wealth building), Altersvorsorge (retirement), Altersvorsorgedepot (2025 state-subsidized retirement depot under AltersZertG), Notgroschen (short-term liquidity), Kinderdepot (children's savings), ETF-Sparplan (savings plans from €25/month), and a Sustainable portfolio variant, with no minimum investment required from €1.
The technical platform combines a web/mobile self-serve onboarding flow with automated portfolio construction, monitoring, and rebalancing, supported by a 24/7 AI-driven support chatbot (quirion.Ai, powered by OpenAI ChatGPT), a financial-planning tool (q-Navigator), and the quiPedia content platform. Revenue is generated primarily through an annual 0.48% service fee on AUM (with ~0.18% average underlying ETF costs, for a total cost of ownership of approximately 0.66% p.a.), billed monthly, with no performance fees, no minimum investment, and free deposits/withdrawals. Distribution is direct-to-consumer and digital-first across German-speaking markets (DACH focus on Germany), with paid acquisition on Meta/Google/LinkedIn/Microsoft/Outbrain/Teads, SEO/content, organic social, webinars, and a €100 referral program; offline identity verification is supported via Deutsche Post branches.
The company serves individual retail investors — students, young professionals, families, and retirees — and reports an installed base of over 90,000 customers with a lean 11–50 employee headcount, operating within an end-2024 German Robo-Advisor AUM market of approximately €29.9 billion.
Quirion firmographics
Firmographics- Name
- Quirion
- Legal name
- quirion AG
- Website
- https://quirion.de
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Quirion is a Berlin-based digital Robo-Advisor and wholly-owned subsidiary of Quirin Privatbank AG that offers automated, factor-based ETF portfolio management to German retail investors under an annual 0.48% service fee, serving over 90,000 customers across wealth-building, retirement, short-term savings, and children's depot products.
- Ownership category
- akta.pro rank
Quirion industry classification
Industry- Product category
- Digital Wealth Management (Robo-Advisory)
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)
- akta.pro secondary industry
- Savings Automation & Goal-Based Savings (FSAGADAC)
Keywords
Where Quirion is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Quirion business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Asset Management Fees: Annual fee of 0.48% charged on total assets under management. This is the primary revenue stream. The fee covers portfolio management, monitoring, and rebalancing. Transaction costs are included in this fee.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Digital Package - Core automated ETF portfolio management |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels8 records
Quirion product offering
Product offeringCore offering
Quirion is a German digital wealth management platform that provides automated, commission-free ETF portfolio management for retail investors. It creates globally diversified, factor-based investment portfolios tailored to individual risk profiles, financial goals, and time horizons, and continuously monitors and rebalances them. The platform serves use cases including long-term wealth building, retirement planning (including a state-subsidized Altersvorsorgedepot), children's savings, and short-term liquidity/emergency fund optimization, with all onboarding and transactions conducted digitally.
Product overview
Quirion is a digital wealth management platform offering automated ETF-based investment services. The core product line includes retirement planning (Altersvorsorge), wealth building (Vermögensaufbau), emergency funds (Notgroschen), children's savings (Kinderdepot), and the new government-subsidized Altersvorsorgedepot. Supplementary offerings include sustainable investing, megatrend portfolios, and thematic investments. The platform is complemented by quirion.Ai, an AI-powered financial chatbot, along with planning tools like q-Navigator and financial calculators. Quirion operates as a robo-advisor, automating portfolio construction, management, and rebalancing based on individual risk profiles.
Differentiator
Problem solved
Functional benefit
Brands
- quirion.Ai: AI-powered financial assistant that answers questions 24/7
- Altersvorsorge-Depot
- Q-Navigator
Products and services
- Vermögensaufbau (Wealth Building) Automated, globally diversified ETF portfolio for long-term wealth building, automatically constructed and rebalanced based on the individual investor's risk profile. Designed for German retail investors seeking passive, hands-off, low-cost capital accumulation.
- Altersvorsorge (Retirement Portfolio) Automated ETF portfolio tailored to individual retirement goals, time horizon, and risk tolerance, with age-based risk adjustment. Built for German retail investors building a private pension provision.
- Altersvorsorgedepot (State-Subsidized Retirement Depot) State-subsidized retirement depot combining government allowances (basic allowance up to €540/year, plus €300/child and €200 beginners bonus) and tax-deductible contributions (up to €1,800) with Quirion's automated ETF portfolio management. Designed to maximize public subsidies for retirement savings.
- Notgroschen (Emergency Fund Optimization) Automated investment product designed for short-term liquidity reserves and emergency funds, targeting better returns than traditional savings accounts while preserving access to capital.
- Kinderdepot (Children's Depot) Long-term automated ETF investment depot for parents or guardians building a financial foundation for their children's future, leveraging compound interest over a long horizon.
- ETF-Sparplan (ETF Savings Plan) Automated ETF savings plan enabling structured, recurring monthly contributions (starting from €25/month) toward defined financial goals with automatic investing and rebalancing.
- Nachhaltigkeit (Sustainable Portfolio) Sustainable investment variant of the global ETF portfolio for environmentally and socially conscious investors, with further portfolio variants available.
- Megatrends-Portfolio Thematic ETF portfolio focused on long-term global megatrends such as technology, demographics, and climate change, offered alongside the core global portfolio.
- Themeninvestments (Thematic Investments) Focused thematic investment options allowing customers to allocate to specific investment themes and sectors in addition to the core diversified portfolio.
- Gemeinschaftsdepot (Joint Depot) Joint investment depot allowing couples or partners to manage shared automated ETF investments together via a single Quirion account structure.
Quantifiable outcome
- 0.48% annual service fee vs 2%+ for traditional wealth management, saving €760/year on €50,000 portfolio
- +2 more outcomes
Companies that use Quirion
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Quirion technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature4 records
Quirion partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Quirin Privatbank AGcoreParent company of quirion. quirion is a company of Quirin Privatbank AG. The investment strategy and portfolio management benefit from the bank's financial expertise, including Prof. Dr. Stefan May (Leiter Anlagestrategie und Produktentwicklung) and Philipp Dobbert (Chefvolkswirt).
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Quirion competitors and assessment
Company assessmentRegional players
- Wealthfront: US-leading Robo-Advisor offering automated, globally diversified ETF portfolios with financial planning tools. Strong strategic and product comparability (factor-based ETF allocation, glide-path, automated rebalancing), though operating in the US market.
- Nutmeg: London-based Robo-Advisor (now under JP Morgan) offering automated ETF portfolios and ISAs/SIPP wrappers. Operates in the UK rather than Germany, but uses a near-identical passive-ETF automated wealth model.
- Moneyfarm: UK- and Italy-headquartered Robo-Advisor offering automated ETF portfolios to retail investors. Comparable product model and fee structure, but focused on UK/Italian markets rather than competing directly in Germany.
Direct peers
- Scalable Capital: Leading Munich-based Robo-Advisor and broker with a very similar German retail investor focus, ETF-based portfolio management, and digital onboarding. Direct head-to-head competitor in the same Testsieger landscape.
- VisualVest: German Robo-Advisor backed by Union Investment (DZ BANK Group), providing automated ETF portfolios and retirement solutions to retail clients in the same German market as Quirion.
- Oskar: Berlin-based Robo-Advisor targeting German families with children's investment and ETF savings plans — a direct overlap with Quirion's Kinderdepot and ETF-Sparplan product set.
- Ginmon: Frankfurt-based Robo-Advisor offering scientific, factor-based ETF portfolios to German retail investors — a near-identical product positioning to Quirion with similar fee structure.
- LIQID: Berlin-based digital wealth manager offering automated and advised portfolio management to German retail and semi-professional investors, often positioned slightly upmarket from pure Robo-Advisors.
- Trade Republic: Berlin-headquartered neobroker with savings plans, ETF investing, and increasingly automated portfolio features. Competes for the same German retail investor wallet with a freemium/pricing-aggressive model.
- Cominvest (BNP Paribas / Consorsbank): German Robo-Advisor product from BNP Paribas' Consorsbank franchise, offering automated ETF portfolios to retail clients with comparable low-cost, factor-based methodology.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Quirion social profiles
Digital presenceQuirion financial estimates
Financial estimateRevenue estimate
Valuation estimate
Quirion leadership team
Management profileNumber of profiles
Profiles5 records
Quirion funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Quirion M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Quirion
What does Quirion do?
Quirion is a German digital wealth management platform that provides automated, commission-free ETF portfolio management for retail investors. It creates globally diversified, factor-based investment portfolios tailored to individual risk profiles, financial goals, and time horizons, and continuously monitors and rebalances them. The platform serves use cases including long-term wealth building, retirement planning (including a state-subsidized Altersvorsorgedepot), children's savings, and short-term liquidity/emergency fund optimization, with all onboarding and transactions conducted digitally.
Is Quirion a public or private company?
Quirion is a private company. It is classified as corporate owned and is currently operating.
When was Quirion founded?
Quirion was founded in 2013. It employs 11 to 50 people.
Where is Quirion based?
Quirion is headquartered in Berlin, Germany, in the Europe region.
How does Quirion make money?
One revenue line is on record: asset Management Fees.
Who are Quirion's main competitors?
Regional players on record are Wealthfront, Nutmeg and Moneyfarm. Direct peers are Scalable Capital, VisualVest, Oskar, Ginmon, LIQID, Trade Republic and Cominvest (BNP Paribas / Consorsbank).
Does Quirion have an API?
No public API is recorded for Quirion.
What industry is Quirion in?
Quirion's product category is Digital Wealth Management (Robo-Advisory). Its primary akta.pro industry code is FSAAACAE, Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers), with a secondary code of FSAGADAC, Savings Automation & Goal-Based Savings. Its NAICS code is 523940 and its SIC code is 6282.