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150 euro bonus on your automated ETF savings plan

Investing without fear of making mistakes

  • Multiple award winner
  • Over 100,000 clients
  • Professionally managed

Only a few days left:

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Unfortunately, the offer has expired.

Learn more about the savings plan

With quirion, you invest the right way.

We invest for you using scientifically proven methods – so that you can sleep soundly and reach your goals.

Your benefits
‍

  • No wrong decisions
    Every investment decision is based on scientific capital market research – not on emotions or trends.
  • No effort, no stress
    You neither have to follow stock market news nor constantly check your portfolio. We adjust your portfolio automatically.
  • Stay calm during fluctuations
    Our system reacts rationally to market movements – while others sell out of fear, you stay on course.
  • Transparent costs
    Fair all-in management fee of 0.48% p.a. – no hidden charges.
  • Multiple award winner
    As the robo-advisor of Quirin Privatbank, repeatedly recognised by independent experts.
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The biggest mistake is
starting too late

Whether it's a trip around the world, your child's education or a comfortable life in retirement. The earlier you start, the more powerful the compound interest effect – and the closer you get to your goals.

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One-off deposit
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500 €1.000 €2.000 €5.000 €
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200 €300 €500 €1.000 €
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Investment period
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Hypothetical final capital
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AM costs
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0,48 %
TER
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0,20 %
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0
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The quirion ETF savings plan calculator is based on the assumption of a 100% equity investment, with which the return opportunities of the capital market can be best exploited, provided the associated – at times significantly stronger – price fluctuations can be withstood. Learn more

How to get your 150 euro bonus

1

Determine your risk-return profile

2

Invest in a savings plan of at least €100/month or a one-off amount of at least €5,000

3

Promotional code: START2026
enter it

4

You'll get
12  12,50 €!

5

This way your bonus also has a chance at a return!

Secure your €150 bonus now

Terms of the offer

  • The promotional period runs from 02/02/2026 to 24/03/2026
  • €150 bonus
  • Promotional code: START2026
Offer expiredTerms of participation

Terms of participation:

  • Setting up an ETF savings plan of at least €100 monthly savings amount required, or a one-off investment of at least €5,000
  • Participation from age 18; participation not possible for children's accounts and joint accounts
  • For new clients only
  • The offer cannot be combined with other offers

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Payout timing:

  • The €150 is invested in twelve monthly instalments of €12.50 each into the strategy you have chosen

Why a bonus?

‍

Because we know how hard the first step can sometimes be. The fear of making mistakes stops many people from ever getting started. With the starting bonus, we want to make it easier for you to get going, build trust and show you what professional investing feels like. Not as a bait offer – but as an invitation to make the right start for the long term.

Philipp Dobbert, Chief Economist: "Discipline is the key to long-term success."

Why you can trust quirion

  • Digital asset management by Quirin Privatbank AG with a banking licence and headquarters in Berlin.
  • Over 100,000 investors are already investing with quirion – and the number keeps growing.
  • No in-house products, no sales commissions – we earn only from the transparent management fee, not from sales commissions.
  • Over 20 years of experience in professional asset management.‍
  • Your portfolio remains your property – fully protected as segregated assets, even in the event of the bank's insolvency.
Eltern best provider children's investment accounts
Börse Online Robo Advisor of the Year 2024
extraEtf recommendation
Wirtschafts Woche Best Robo-Advisor

Leave the difficult decisions to the professionals

Start now – without fear, without stress, on a scientific basis.

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Still have questions? Out with them!

all FAQs

When and how exactly do I receive the bonus?

The bonus is automatically invested in your savings plan on a monthly basis – 12 × €12.50 in total in the first year.

ETF savings plan or one-off deposit: which is better for me?

That depends on your situation. A savings plan reduces the timing risk and is ideal for regular saving. A one-off investment makes sense if you already have capital available. Both routes work on a scientifically sound basis with quirion.

What happens if the stock market falls after I've started?

That's exactly what quirion is here for: we invest regularly (cost-average effect) and adjust your portfolio automatically. Fluctuations are normal – our approach is designed to respond optimally over the long term.

Why isn't an MSCI World ETF alone enough?

The MSCI World is a good building block – but not a complete portfolio. From a scientific perspective, important elements are missing:

  • Extreme concentration on the USA and tech: Over 70% of the MSCI World is made up of the USA, a large part of which is a handful of tech giants (Apple, Microsoft, Nvidia, Amazon, etc.). This is not genuine global diversification – in effect, you are betting on one market and one sector.
  • No emerging markets: The MSCI World covers only developed markets. Emerging markets are missing entirely – and they account for around 10% of global market capitalisation.
  • No risk management: A pure equity ETF has no stabilising component. Bonds or other asset classes can significantly reduce fluctuations.
  • No adjustment to your life situation: At 25 you can take on more risk than at 55. A single ETF doesn't know your age, your goals or your risk appetite.
  • No automatic rebalancing: When equity markets rise sharply, your risk may shift upwards – without you noticing. quirion automatically brings your portfolio back into balance.

How is my quirion ETF savings plan carried out?

Fully automatically: monthly direct debit, automatic investment in your strategy, continuous rebalancing. You don't have to do anything.

Is my quirion ETF savings plan safe?

The portfolio management at quirion is carried out by Quirin Privatbank AG, which holds a full banking licence. We invest your money in investment funds. Under German law, these are treated as segregated assets. That is why your investments are not affected in the unlikely event of the insolvency of the fund company, Quirin Privatbank AG or quirion.

What does quirion do differently compared with buying ETFs myself?

We take three critical decisions off your hands:

  1. which ETFs in which weighting,
  2. when to top up or reallocate,
  3. how to react to market fluctuations.

We make these decisions according to scientific principles – not on gut feeling.

The ETF savings plan calculator from quirion is based on the assumption of a 100% equity investment, with which the return opportunities of the capital market can be best exploited, provided the associated – at times significantly stronger – price fluctuations can be withstood. The assumed return of 7.96% p.a. for equity saving is based on the actual average return of the MSCI All Country World Index (MSCI ACWI for short, calculated in euros, including dividends) over the past 20 years (as at 30/06/2024). It contains predominantly standard shares from the developed and emerging markets. For the sake of simplicity, the estimate assumes a constant performance over the entire term. In reality, however, an equity investment always develops with – sometimes strong – fluctuations, which can also involve temporary losses. Estimates of this kind are not a reliable indicator of future performance. The assumed ongoing costs are the quirion asset management fee in the purely digital variant (0.48% p.a.) plus 0.20% p.a. ETF costs (known as the Total Expense Ratio, TER).