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150 euro bonus on your automated ETF savings plan

Investing without fear of mistakes

  • Multiple-time test winner
  • Over 100,000 customers
  • Professionally managed

Only a few days left:

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Learn more about the savings plan

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1

Determine your risk-return profile

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

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Promo code: START2026
enter

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You get
12  12,50 €!

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That way your bonus also gets the chance to earn returns!

Offer expired

Promotion terms

  • The promotion period runs from 02.02.2026 to 24.03.2026
  • €150 bonus
  • Promo code: START2026
This offer has expiredTerms of participation

Terms of participation:

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

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Payout date:

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

Why a bonus?

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

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
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  • No wrong decisions
    Every investment decision is based on scientific capital-market research – not on emotions or trends.
  • No effort, no stress
    You don't have to follow stock-market news or constantly check your portfolio. We adjust your portfolio automatically.
  • Stay calm during market swings
    Our system responds rationally to market movements – while others sell out of fear, you stay the course.
  • Transparent costs
    Fair all-in management fee of 0.48% p.a. – no hidden charges.
  • Multiple-time test winner
    Recognised by independent experts as the robo-advisor of Quirin Privatbank.
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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 good life in retirement. The earlier you start, the stronger the compound-interest effect works - and the closer you get to your goals.

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quirion's ETF savings-plan calculator is based on the assumption of a 100% equity investment, which makes the best use of the return opportunities of the capital market, provided you can withstand the associated – sometimes considerably larger – price fluctuations. Learn more

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

Why you can trust quirion

  • Digital asset management from Quirin Privatbank AG with a banking licence and headquarters in Berlin.
  • Over 100,000 investors are already investing with quirion – and the number keeps rising.
  • 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 a special fund, even in the event of the bank's insolvency.
Börse Online Robo-Advisor of the Year 2024
extraEtf recommendation
WirtschaftsWoche 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? Fire away!

all FAQs

When and how exactly do I receive the bonus?

The bonus is invested automatically into your savings plan each month – a total of 12 × €12.50 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 timing risk and is ideal for saving regularly. A one-off investment makes sense if you already have capital. 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 enough on its own?

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.). That is not genuine global diversification – in effect, you are betting on a single market and a single 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 reduce fluctuations considerably.
  • No adjustment to your circumstances: 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 into your strategy, continuous rebalancing. You don't have to do anything.

Is my quirion ETF savings plan safe?

Custody at quirion is provided by Quirin Privatbank AG, which holds a full banking licence. We invest your money in investment funds. Under German law, these count as special funds. As a result, in the unlikely event of the insolvency of the fund company, Quirin Privatbank AG or quirion, your investments are not affected by it.

What does quirion do differently from buying ETFs myself?

We take three critical decisions off your hands:

  1. which ETFs at which weighting,
  2. when to buy more or reallocate,
  3. how to respond 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, which makes the best use of the return opportunities of the capital market, provided you can withstand the associated – sometimes considerably larger – price fluctuations. 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, incl. dividends) over the past 20 years (as at 30.06.2024). It contains predominantly standard equities from developed and emerging markets. For simplicity, the estimate assumes a constant performance over the entire term. In reality, however, an equity investment always develops with – sometimes sharp – fluctuations, which can also entail temporary losses. Estimates of this kind are not a reliable indicator of future performance. The assumed ongoing costs are the quirion asset-management fee for the purely digital variant (0.48% p.a.) plus 0.20% p.a. ETF costs (the Total Expense Ratio, TER).