I asked Passiv whether the process is fully automatic and they said it’s not:
No, the process is not fully automatic. Passiv will monitor your account and let you know when something needs your attention, but it will not automatically make trades on your behalf. This restriction is due to Canadian securities law.
If you allow trade access on your account, you can use Passiv’s One-Click Trades feature to place all trades in a single click.
So it seems the only way to a fully automatic solution without any fees are German brokers/banks. Swiss Investart could do the trick but since they’re pretty new in the market people don’t trust them…