froots review 2026

froots advertises a single all-in fee that covers portfolio management, transactions, depot management and personal service. In years 1 to 5 it is 1.00% p.a. on the amount up to €150,000 and is billed quarterly. A tiered, lower rate applies to higher amounts (tranche €150,001 to €500,000 0.90%, up to €2 million 0.80%, above that 0.70%). The rate falls with increasing investment duration: to 0.95% p.a. in years 6 to 10 and to 0.90% p.a. from year 11 (each for the tranche up to €150,000). For 18- to 26-year-olds, the first €10,000 of investment volume is free of fees. Contrary to the term all-in, the product costs of the ETFs are not included: they are between 0.13 and 0.19% p.a. and are charged on top. Total costs therefore add up to around 1.16% p.a. – after Whitebox the second-highest figure in the rating field. On the positive side, at least, there are no separate transaction costs and no performance-based fee. Scoring (20/32): The service fee of 1.00% p.a. only just falls in the "≤ 1.00%" category and earns 4 out of 16 points. The ETF costs of 0.13 to 0.19% p.a. are below 0.20% and give the full 10 points. Since no transaction costs and no performance fee apply, there are the full 6 points for other costs.

froots diversifies worldwide across shares, bonds, commodities and money market instruments and thus covers several asset classes. The approach is valuation-driven and active: the portfolio is adjusted on an ongoing basis according to valuations, risks and the personal investment horizon. Conservative portfolios weight bonds and the money market more heavily, while aggressive portfolios focus on shares and growth markets. Unlike most competitors, froots does not work with a fixed number of clearly named risk levels but creates an individual portfolio along risk appetite and desired investment duration. We could not verify a publicly stated level logic with at least five defined risk classes. Regular rebalancing takes place – if the equity share rises too far through price gains, for example, it is automatically brought back – but documented thresholds are not published. Scoring (19/25): Worldwide diversification across shares, bonds, commodities and the money market meets the highest level and brings the full 10 points. Since no publicly stated level logic with at least five risk classes can be verified, only individual tailoring along risk and horizon, we award 5 out of 8 points for risk profiling. For automatic rebalancing without documented trigger rules there are 4 out of 7 points.

This is where froots falls clearly behind in our rating. The provider offers several calculators on its website – an ETF savings plan calculator, a savings plan calculator and a return calculator. These work with model assumptions and show projected paths. We could not find a published, realised performance per risk level over at least three years after costs. Under our methodology, this criterion is therefore not met and is rated at 0 points. Portfolio disclosure also stays general: froots names the asset classes invested in, but a list of the specific funds used with ISINs is not publicly viewable before signing a contract. On costs, the all-in fee is communicated prominently, while the additional ETF product costs only appear in the FAQ – the total cost ratio is therefore not visible at a glance. Scoring (5/18): Since no published realised performance per risk level over three years after costs can be found, we award 0 out of 8 points. For disclosure at asset class level without a fund list with ISINs there are 3 out of 6 points. Because the costs are documented completely but in a scattered way – all-in fee prominent, ETF costs separately in the FAQ – we award 2 out of 4 points.

Entry at froots comes with a comparatively high threshold: the minimum investment is €1,500. Alternatively, a savings plan is possible, for which, depending on the source, €75 or €150 a month is cited as the minimum instalment – in both cases well above the €25 to €50 usual at German competitors. On notice periods, minimum holding periods and the arrangements for partial withdrawals, froots publishes no reliable information that we could check. Under our rule we award, in such a case, the points of the worst verifiable level and state the gap openly. Scoring (7/15): The minimum investment of €1,500 falls in the "≤ €5,000" level and earns 2 out of 6 points. The savings plan, at a minimum of €75, has a higher minimum instalment than the methodology requires – for that there are 3 out of 5 points. Since we could not verify information on notice periods and partial withdrawals, we award only 2 out of 4 points for withdrawal and cancellation.

froots is regulated by the Austrian Financial Market Authority FMA and is therefore an EU-supervised provider operating via the European passport – not via a German BaFin permit. The capital is held at Schelhammer Capital Bank, a long-established Austrian bank. As a domestic provider, froots pays the Austrian capital gains tax of 27.5 percent automatically, which can mean additional tax effort for German investors. An app is available both on the Apple App Store and on Google Play, supplemented by web access. On service, froots stands out positively: customers can contact personal investment experts at any time, and advice is in German. Scoring (8/10): Since supervision lies with the Austrian FMA and the custodian bank is based in Austria, the "German custodian bank and BaFin permit" level is not met; for EU supervision with passporting we award 3 out of 5 points. An app for iOS and Android plus web access bring the full 3 points. Personal advice in German gives the full 2 points.