10 Best Robo-Advisors in Europe for Passive Investing – Automated & Low-Cost Platforms 2026

In this article, I discuss the best Robo-Advisors in Europe for Passive Investing. The advancement of digital finance means investors can let Robo-Advisors conduct their portfolio management automatically, at a lower cost, more diversely, and in a way that allows for the long-term compounding of wealth.

The European Robo-Advice makes passive investing easy (and efficient in terms of return optimization) at all levels, from novice to advanced.

What is a Robo-Advisor?

A robo-advisor is an online investment service that employs machine learning and computer programs to partially manage your investment portfolio. Financial technology moderates the processes that allocate a portfolio and determine its diversification to the investor profile intended goals, thresholds, and duration.

In general, Financial technological hubs utilize ETFs and index funds with the lowest operational turnover. Advantaged time is saved, dropout risk is reduced, and passive appreciation is attained. In Europe, robo-advisers are supervised by the Financial law, which is lower the Financial Advisers. All rolled investments by these services are low operational turnover investments.

Why Choose Passive Investing with Robo-Advisors?

Long-Term Wealth Growth – Passive investing involves the long term and the holding of diversified portfolios which result to a steady growth of annuities over time.

Cost-Effective – With the use of exchange-traded funds and automated management, robo-advisors manage portfolios at a lower price compared to traditional active investing.

Time Saving and Automated – Investors get to save time and to some extent effort with investments as portfolios get to be automatically monitored and rebalanced.

Reduced Emotional Bias – Automatic trading strategies helps in the in the prevention of emotionally driven decision making, such as panic selling and overtrading.

Diversification and Risk Management – With investments in multiple assets, robo-advisors lower the risks and thus achieve more consistent returns.

Key Point & Best Robo-Advisors in Europe for Passive Investing List

Platform	Key Point
Scalable Capital	Robo-advisor with automated portfolio management and risk-adjusted strategies.
Moneyfarm	Personalized investment advice with low-cost ETFs and goal-based planning.
Whitebox	Focuses on smart portfolios with automatic rebalancing and tax optimization.
OSKAR	Simple, beginner-friendly investing with diversified ETFs and low fees.
Fintego	Fully automated portfolio management with ESG investment options.
Indexa Capital	Cost-effective index investing with automatic rebalancing and tax efficiency.
InbestMe	Customizable portfolios, including socially responsible investing (SRI) options.
Selma Finance	Personalized robo-advisor focusing on retirement and long-term wealth goals.
True Wealth	Transparent investment management with ETFs and low management fees.
Easyfolio	Easy-to-use robo-advisor with goal-oriented, diversified portfolios.

1. Scalable Capital

Scalable Capital is a Germany based company which is a fully automated wealth management service using low cost, fully diversified ETFs tailored to individual goals and risk tolerances.

Scalable Capital is Europe’s largest automated wealth management company operating on a self-directed brokerage and on an automated Wealth service, where the company does the investing for the clients and then manages the portfolio for long term investment growth.

Scalable offers automated investing options in global diversification, ESG, climate, value, and megatrends. Scalable`s automated investing starts with a minimum investment of €1,000 or a €20 savings set-up monthly. They are the top of the line technology so passive clients looking for a professional, algorithm driven investment service, Scalable Capital fits the needs best. 

Scalable Capital Features

1. Risk-adjusted portfolios customized to individual risk profiles using sophisticated algorithms.
2. Automatic rebalancing to ensure portfolio allocations are kept in line with objectives.
3. Wide range of ETFs covering different regions including global, ESG, and thematic investing.
4. Brokerage and robo-advisory infrastructure which allows for automated investing and self-directed trading.

Pros & Cons Scalable Capital

Pros	Cons
Offers algorithm-driven, risk-adjusted portfolios tailored to individual investors.	Minimum investment may be higher (€1,000) than some competitors.
Automated rebalancing and global diversification across ETFs.	Fees may be slightly higher for smaller portfolios.
User-friendly mobile app and online platform.	Limited customization options for advanced investors.
Regulated by BaFin (Germany), ensuring investor protection.	Some features mainly focused on German investors.
Access to ESG and thematic investment options.	Customer support can be slow during peak periods.

2. Moneyfarm

Moneyfarm is one of the largest digital wealth managers in the UK and Italy, and fully automated investment management company in Europe and operates with the UK(FCA) and Italy’s(CONSOB) regulators.

They offer fully automated managed investment portfolios with Moneyfarm performing regular management of portfolio. Moneyfarm focuses on low cost passive management ETFs and uses digital onboarding for their clients. User goes through a risk questionnaire to set the investors goals and invest for passive growth return.

It’s easy to keep tabs on your investments and see how they are doing because you can track performance on their app and online platform.

Moneyfarm Features

1. Individual Risk Assessment. Every investor receives a customized portfolio according to their individual risk assessment.
2. Goal-attained investing with low-cost ETFs.
3. Active portfolio management optimized through regular monitoring and rebalancing.
4. Various account options which include retirement and savings.

Pros & Cons Moneyfarm

Pros	Cons
Personalized portfolios based on risk profile and goals.	Minimum investment around €5,000 for some accounts.
Low-cost ETFs with automatic rebalancing.	Limited account types in some countries.
Transparent fee structure, regulated in UK and Italy.	Portfolio customization is somewhat restricted.
User-friendly platform with mobile access.	Limited advanced investment strategies compared to competitors.
Offers retirement planning and long-term goal tracking.	Performance depends on global market trends.

3. Whitebox

Whitebox A mix of passive and active investment approaches are used by Whitebox, a robo-advisor based in Germany, to automatically manage certain ETFs based on certain risk profiles.

Whitebox offers some of themed portfolios, like global and sustainability focused, with a starting minimum investment around €25. While Whitebox emphasizes German for their communication, they support international users that have a Euro account.

Within Whitebox’s automation and periodic rebalancing focused on long-term performance, they help users achieve a completely passive investment solution tailored to their European needs.

Whitebox Features

1. Smart ETF portfolios which combine passive investment strategies with algorithmic optimization.
2. Investing options that are thematic and or sustainable tailored to your preference.
3. Automatic rebalancing for sustained compounding growth.
4. No minimum investment or very low to promote easy participation.

Pros & Cons Whitebox

Pros	Cons
Combines passive ETFs with smart portfolio allocation.	Mainly focused on German market; limited international support.
Offers sustainability and thematic investment portfolios.	Minimum investment around €25–€50 for regular plans.
Automated rebalancing and monitoring.	Website and support primarily in German.
Low-cost management fees for diversified ETFs.	Limited advanced tools for experienced investors.
Long-term growth oriented and easy to use.	Some portfolios may be too conservative for high-risk investors.

4. OSKAR

OSKAR is a German robo-advisor focused on passive investment and helping customers grow their wealth over time. The ETFs in the diversified portfolios are designed to make saving money and wealth building easy.

OSKAR offers flexible starting points for savings plans and provides multiple portfolios that can fit a diverse range of risk profiles, especially ones that are focused on sustainability, global markets, or both. OSKAR offers easy account management on mobile, expects low minimum investments, and automates the long-term rebalancing and allocation of the invested funds.

The ratings are encouraging and have OSKAR acting as the ideal solution for individuals who are attracted to an easy and automated ETF-based investing plan that does not require the constant supervision of their investments.

OSKAR Features

1. Simple onboarding and easy to use interfaces for novice users.
2. Customized diversified portfolios relative to your risk profile.
3. Active portfolio management with rebalancing and monitoring.
4. Flexible savings with regular commitments.

Pros & Cons OSKAR

Pros	Cons
Beginner-friendly platform with low entry threshold.	Minimum investment may vary depending on plan.
Automatic rebalancing of diversified ETF portfolios.	Limited advanced customization options.
Sustainable investing options available.	Focused mainly on German investors.
Mobile and web platform for easy access.	Fees slightly higher than ultra-low-cost competitors.
Goal-oriented savings plans for long-term growth.	Limited research and analytics tools.

5. Fintego

Founded in 2014, Fintego is a German robo-advisor that provides automated portfolio management using customized risk strategies and diversified ETFs. It offers three primary product lines: business pension solutions, sustainability-focused “green+” portfolios, and core diversified portfolios.

With choices for both lump-sum and regular payments, Fintego’s automated system creates and oversees a long-term investment strategy depending on your risk tolerance. The platform is governed by German financial regulators, and fees vary based on the size of the portfolio.

For European investors looking for organized, automated asset allocation, its combination of algorithm-based procedures and professional supervision makes it a dependable passive investment option.

Fintego Features

1. Risk-based automated multi-ETF portfolios are built for each investor.
2. ESG and sustainability options for socially responsible investing.
3. Ongoing performance assessment and portfolio adjustments.
4. Simple fee structure and cost transparency.

Pros & Cons Fintego

Pros	Cons
Automated portfolio management with diversified ETFs.	Minimum investment around €1,000.
Offers ESG investment options and retirement solutions.	Limited flexibility for customizing portfolios.
Continuous monitoring and rebalancing for optimal performance.	Mainly serves German investors; international access limited.
Clear fee structure with cost transparency.	Advanced investors may find options limited.
Suitable for both lump-sum and regular investments.	Some portfolios may underperform during volatile markets.

6. Indexa Capital

With operations throughout much of Europe, Indexa Capital is a prominent Spanish robo-advisor that specializes in low-cost automated investing through globally diversified index funds and exchange-traded funds (ETFs).

It helps long-term investors keep in line with overall market performance by creating customized portfolios based on your risk tolerance and automatically rebalancing them over time.

Cost-conscious investors find Indexa appealing since it has some of the lowest fees in the industry, a transparent price structure, and no additional expenses. It also provides life insurance and retirement plans, which increases its allure for accumulating passive wealth over a variety of investment horizons.

Indexa Capital Features

1. Widely diversified index portfolios via low-cost ETFs.
2. Tax-optimized investing for increased net gains.
3. Investment policy automation to achieve appropriate allocations.
4. Options for retirement and life-insurance investing.

Pros & Cons Indexa Capital

Pros	Cons
Low-cost ETFs with globally diversified portfolios.	Minimum investment around €3,000.
Automatic portfolio rebalancing and tax optimization.	Mainly available to Spanish investors.
Clear fee structure with no hidden costs.	Limited in-depth analytics for professional investors.
Supports retirement plans and life insurance products.	Customer support can be slower during high-demand periods.
Tailored risk-adjusted portfolios for passive growth.	Limited availability outside Spain.

7. InbestMe

Using ETFs, index funds, bonds, and sustainable investing choices, inbestMe is a customisable European robo-advisor that creates diversified, internationally indexed portfolios based on your risk tolerance and financial objectives.

Investors fill out an online survey to be matched with a customized long-term plan that is automatically rebalanced and regularly monitored. The platform supports many account types, including pension plans, and places an emphasis on transparency and cheaper costs than traditional funds.

For passive investors who desire automatic investing with a little more control over strategy and sustainability preferences, inbestMe’s goal-based approach and flexible portfolio customisation make it perfect.

 InbestMe Features

1. A wide range of portfolio options including bonds and ETFs.
2. Objective‑based planning designed for various financial goals.
3. Ongoing reallocation and monitoring.
4. Multiple account options including retirement.

Pros & Cons InbestMe

Pros	Cons
Highly customizable portfolios including ESG options.	Minimum investment may be higher than beginner-focused platforms.
Goal-based investment strategies with automation.	Some features require understanding investment concepts.
Uses low-cost ETFs, index funds, and bonds.	Fees can be slightly higher for highly customized portfolios.
Supports multiple account types, including pensions.	Limited brand recognition compared to bigger robo-advisors.
Automatic rebalancing and continuous portfolio monitoring.	Some tools may be overwhelming for beginners.

8. Selma Finance

Selma Finance is a Swiss robo-advisor that provides automated wealth management with a focus on customizability and transparency through diversified portfolios according to goals and risk tolerance.

Being a part of the Swiss robo-advisory industry, Selma Finance offers digital platforms that assist clients in the onboarding and risk profiling processes and serves long term management, usually focusing on global ETF diversification.

The platform’s features are tailored to help keep investors engaged in passive strategies through automated portfolio rebalancing, ongoing performance monitoring, and a user-friendly onboarding interface, making it a suitable option for investors in Switzerland and Europe who are time-constrained.

Selma Finance Features

1. Quick online onboarding with digital risk assessment.
2. Passive growth investing with ETFs and portfolio automation.
3. Mobile and web applications.
4. Fee transparency and diversified investing across countries.

Pros & Cons Selma Finance

Pros	Cons
Easy-to-use platform for beginners and passive investors.	Focused primarily on Swiss investors; limited international support.
Automated portfolio allocation and risk management.	Minimum investment can be moderate (€1,000+).
Transparent fees with long-term growth focus.	Limited customization compared to other robo-advisors.
Mobile app and digital onboarding process.	Advanced analytics features are limited.
Global ETF diversification and continuous monitoring.	Some portfolios may be conservative for higher-risk investors.

9. True Wealth

One of the well-known digital wealth managers and robo-advisors in Switzerland, True Wealth offers automated investing solutions via diversified ETF portfolios customized to investor profiles and long-term objectives.

True Wealth, a member of the Swiss robo-advisory market, simplifies passive investing for customers who want automated asset allocation by combining algorithmic portfolio creation with expert supervision.

Although minimum investment amounts and precise fee details vary by account type and area, the platform caters to investors seeking an organized, tech-enabled approach to wealth accumulation with a focus on broad diversification and cost-effective investing.

True Wealth Features

1. Tailored to risk tolerance for automated investment portfolios.
2. Passive and diversified investing through global ETFs.
3. No portfolio monitoring and portfolio rebalancing.
4. Digital platform to monitor investments and easy tracking.

Pros & Cons True Wealth

Pros	Cons
Automated ETF portfolios tailored to individual risk profiles.	Mainly Swiss investors; international access limited.
Long-term growth focus with low-cost investment solutions.	Minimum investment can be moderate to high.
User-friendly platform with easy portfolio tracking.	Limited customization options for experienced investors.
Transparent fee structure and regulated in Switzerland.	Less brand recognition in Europe compared to bigger platforms.
Diversified portfolios with global market exposure.	May not offer advanced tax optimization features.

10. Easyfolio

Easyfolio provides automatic management of ETF portfolios and makes investing easier for its users despite high fees compared to competitors. The company is based in Germany and is classified as a robo-advisor. Investors can begin with as little as $100 to open and get started.

The company offers a limited number of portfolios based on risk assessment and a flexible option where asset allocations get changed based on how the market is trending.

The companies high fees compared to competitors Echter Fee level to higher competitors but is offset by the ease of use of the platform targetting beginner users. The company does the diversifying and rebalancing on their end for long term growth. It is a very user friendly starting point to getting investing or wealth management.

Easyfolio Features

1. Minimal investment barriers which increases accessibility.
2. Customized automated ETF portfolios based on risk.
3. Strategy freedom including dynamic Rebalancing.
4. Simple investment management with goal-focused planning.

Pros & Cons Easyfolio

Pros	Cons
Low minimum investment (around €100), beginner-friendly.	Fees slightly higher than ultra-low-cost robo-advisors.
Automated ETF portfolio management with rebalancing.	Limited portfolio customization options.
Goal-oriented and easy-to-use platform.	Focused mainly on German investors.
Flexible strategies including adaptive “Flex” portfolios.	Advanced investors may find it too basic.
Ideal for small and first-time investors.	Performance depends heavily on global market conditions.

How to Choose the Best Robo-Advisor for You

Establish What Your Investment Goals Are – Figure out if it’s for retirement, building wealth, or a short-term goal since different robo-advisors are tailored for different purposes.

Establish What Your Risk Tolerance Level Is – Make sure that the platform you choose has portfolio options that are aligned with what your risk tolerance level is (conservative to aggressive).

Analyze Fees And Other Expenses – Make sure to analyze the management fees, fund costs, and any additional hidden fees, since having lower fees is beneficial for long-term returns.

Analyze What The Minimum Investment Amount Is – Depending on the platform, the minimum investment is either €100, €1,000 and fits your budget.

Analyze What Features Are Available And How Customizable They Are – Features (automatically rebalancing your portfolio, tracking your progress towards a goal, retirement planning, etc.) like having an ESG portfolio.

Analyze The Level Of Support You Can Get And What The Overall User Experience Is – If investment management is straightforward.

Check If They Are Regulated And Your Money Is Safe – Pick a robo-advisor that is regulated within the EU (FCA, BaFin, and CNMV).

Conclusion

With automated portfolio management and other tools designed for beginner investors as well as goal-oriented savings plans, investing for passive wealth growth is simpler than ever.

European investors have the option of Scalable Capital, Moneyfarm, and Indexa Capital for more advanced tools, but for goal-oriented savings Flego, OSKAR, or Easyfolio may be better suited for novice investors.

Removing emotional biases, these robo-advisors make investing easier by providing automated portfolio managing and global ETF diversification, continuous rebalancing, and personalized risk adjustments. Ultimately, almost anyone can select a reasonably priced European robo-advisory firm to efficiently grow wealth without much work and at a small cost.

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