Quirion products, services and reviews

About Quirion

Quirion is a Germany-based digital wealth manager owned by Quirin Privatbank AG that offers automated, ETF-based portfolios across multiple risk levels with optional sustainable (ESG) variants. Portfolios are broadly diversified in equities and bonds and are monitored with periodic rebalancing; customers can fund accounts via one-off deposits or savings plans and manage investments through web and mobile channels. Custody is handled by Quirin Privatbank, with client assets held separately from the bank’s balance sheet; cash deposits are covered by the German statutory deposit guarantee up to the legal limit, while securities are not covered by deposit insurance but remain segregated as client property. The service uses an all-in management fee on assets under management; product costs of underlying ETFs and incidental transaction or third-party fees are separate, and optional tiers with access to human advice are available at a higher price point. There are no performance fees, minimums and funding thresholds are modest compared with traditional private banking, and withdrawals are possible at standard market settlement times. Account opening is fully digital with identity verification, generally limited to residents subject to German regulation; Quirion provides annual tax reporting suitable for German capital gains taxation, applies withholding at source where required, and maintains loss-offset pots in line with local rules. The offer is positioned for long-term investing rather than short-term trading, and outcomes depend on market performance, chosen risk level, and fee drag; prospective users should compare total costs, the availability of ESG and advice options, and custody and regulatory arrangements with alternatives in the German robo-advisory market.