Side by side
Oskar vs Raisin vs Ginmon
Choose up to four firms. We compare what matters when things go wrong: licences, compensation, legal protections, track record, then platforms and products.
| Firm | Oskar | Raisin | Ginmon |
|---|---|---|---|
| Protection Score | 59 | 70 | 62 |
| Licence status | EU/EEA licence | EU/EEA licence | EU/EEA licence |
| European licences | BaFin | BaFin | BaFin |
| Other licences | |||
| Compensation via EU/UK/CH entity | BaFin: 90% of the claim, up to €20,000 per investor (investment firms) | BaFin: 90% of the claim, up to €20,000 per investor (investment firms) | BaFin: 90% of the claim, up to €20,000 per investor (investment firms) |
| Negative balance protection (retail) | Yes, by law via EU/UK entity | Yes, by law via EU/UK entity | Yes, by law via EU/UK entity |
| Headquarters |  Germany | Germany | Germany |
| Founded | 2018 | 2013 | 2014 |
| Type | Robo-advisers & fund platforms | Robo-advisers & fund platforms | Robo-advisers & fund platforms |
| Listed / bank | — | Banking licence | — |
| Platforms | Own platform | Own platform | Own platform |
| Products | ETFs | ETFs, Cash / savings | ETFs |
| Features | Savings plans | Savings plans | Savings plans |
| Full profile | Full profile | Full profile |
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