Best robo-advisors
Comparison of automated advisory platforms. Investment managed by algorithms with low fees.
Data verified in: 2026-07
| Product | APY | Conditions |
|---|---|---|
| Indexa Capital | 0.5% per year | Diversified portfolio based on low-cost ETFs. No entry fees or minimum asset management. |
| Santander Smart Invest | 0.75% per year | Santander's solution with predefined portfolios. Integration with online banking. |
| BBVA Gestión de Carteras | 0.60% per year | BBVA's automated management. Strategies based on risk profiles. |
| Wealth Advisor (Caja Laboral) | 0.65% per year | Platform with hybrid advice. Combination of algorithm and human advisor. |
Fees verified in July 2026. Past performance does not guarantee future results.
Other calculators you may find useful
If you found this calculator useful, you might also want to check out:
Frequently asked questions
What is a robo-advisor?
It's a platform that automatically manages your investment portfolio using algorithms. It allocates assets based on your risk profile.
What's the difference from a human manager?
Robo-advisors cost less (0.5-0.75% vs 1-2%) but offer less personalization. They're ideal for young investors without very complex assets.
Is it safe to invest in robo-advisors?
Yes, if the platform is regulated. The risk lies with the market, not the platform. Automatic diversification reduces risk.
What is the minimum investment?
Generally from €500-1000. Some accept smaller amounts with periodic contributions.