Extremely low costs in the 3a plan: 0% management fee, total of approximately 0.12–0.14%
Last updated: October 22, 2026
Whether you want to optimize your returns with a low-cost online broker, are interested in convenient investing with an innovative robo-advisor or are still looking for a suitable ETF for your portfolio. Here you will find our extensively tested recommendations, many with an attractive starting bonus for you! Disclaimer: Investing involves risks of loss.
Good to know
We want to give you a quick overview with the following product profiles. We will concentrate on the essentials – with a focus on the conditions. You can find more in-depth research in our separate review articles, which we have linked to. Either way, our aim is to provide you with the best possible support in choosing the right financial product for you. The providers are sorted alphabetically for each product category.
Tip: Before choosing a new provider, consider whether it really suits your individual needs. If this is only partially the case, check whether a combination of several providers offers the ideal solution for you. This way, you can get the best of different “worlds” – for example:
Saxo with a convincing overall package: no custody account fees, savings plans without purchase fees and a Swiss banking license
Interactive Brokers for securities on US stock exchanges and foreign currencies at rock-bottom prices
DEGIRO for ETFs on European stock exchanges at attractive flat rates
Yuh with a practical multi-currency account and ETF savings plans without purchase fees
neon for low-cost foreign payments by card and also ETF savings plans without purchase fees
findependent for hassle-free wealth building with a focus on sustainability—including for the next generation
VIAC for your long-term 3a pension with a wide range of investments and fair fees
By the way: With different financial partners, you can not only save a lot of money, but also avoid a provider-related cluster risk.
If you want to trade ETFs & Co. yourself, you need a securities custody account. Specialized online brokers are often much cheaper than traditional banks, as the following selection clearly shows. You can find out how to find your favorite broker in our article Best Broker Switzerland: 6 decisive factors you need to know.
With more than 3 million investors, the Dutch price breaker DEGIRO is the largest broker in Europe and has had its own banking license since the merger with the German Flatex. DEGIRO has become particularly popular with its commission-free ETFs, which only incur a processing fee of €1.
No custody fees and no stamp duty
Well suited for small investors, as numerous commission-free ETFs (core selection) are on offer with a processing fee of just €1 per trade
Particularly attractive for transactions involving large amounts, such as reallocations, thanks to fixed flat fees of a maximum of €3 per ETF trade
Moderate exchange rate fees of 0.25%
Additional passive income possible through securities lending (optional)
Deposit protection of €100,000
DEGIRO bonus offer incl. conditions when registering via this partner link
🎁 100 CHF in trading fees for free
Deposits and withdrawals only permitted in home currency CHF, even if foreign currency accounts in EUR, USD and GBP are now possible
No automatic savings plans
No joint accounts
Interactive Brokers is an internationally award-winning US broker founded in 1977 with low prices and powerful tools.
No custody fees and no stamp duty
Attractive trading fees: e.g. fixed CHF 5 for ETF trading up to CHF 10,000 on European exchanges or from USD 0.35 (!) on US exchanges
Extremely low exchange rate fees of max. 0.002% (min. 2$)
Free foreign currency accounts
Fractional trading and automatic savings plans possible for selected ETFs and shares
High level of security thanks to separate custody of client funds and generous deposit protection
Excessively long response times for German- and English-language ticket inquiries (sometimes a week or more)
Saxo Bank, which is regulated in Switzerland and headquartered in Zurich, is a legally independent subsidiary of the Danish parent company of the same name, which was founded in 1992 and serves over 1.5 million clients worldwide. Since the significant fee reductions in 2024 and 2025, it has offered a particularly attractive price/performance ratio for cost-conscious investors.
Wide range of products – including over 7,400 ETFs and 23,000 individual shares – on three selectable platforms, available both on desktop and mobile via app
No custody fees
Attractive trading fees: from 0.03%, 0.05% or 0.08% depending on the account model, with a minimum fee (e.g. CHF 3 / USD 1), depending on the trading venue
Moderate exchange rate fees of 0.25%
ETF savings plans without purchase commissions
Free foreign currency accounts
Additional passive income possible through securities lending (optional)
Efficient, multilingual support
Swiss banking license and deposit protection of CHF 100,000
Saxo Bank Bonus Offer When Signing Up Through this affiliate link
🎁 200 CHF in trading fees for free
No fractional trading
As the Swiss market leader with over 700,000 customers, the pioneering domestic broker Swissquote offers an attractive overall package and scores particularly well with its comprehensive ETF offering.
Comprehensive offering with over 3 million products, including a wealth of ETFs, tradable on numerous exchanges around the world
Fair trading fees: Many ETFs on the Swiss SIX Exchange charge between 3 and a maximum of 9 CHF, depending on order size (fee cap)
Savings plan: Regular, automatic and constant investments (fractional trading) possible at entry-level rates from CHF 3
Free foreign currency accounts
Additional passive income possible through securities lending (optional)
Everything from a single source: Trading & payment transactions with a multi-currency account, including a free virtual debit card
Efficient, multilingual support
Swiss banking license and deposit protection of CHF 100,000
Swissquote Promo Code: MKT_SFB
🎁 Get 100 CHF intrading fees for free
Annual custody fees ranging from 80 to 200 CHF (maximum fee)
Relatively high exchange rate fees of 0.95%
If you want to keep things simple, you can do without manual investing. Instead of an expensive bank advisor, we clearly prefer a digital robo-advisor. With the following three Swiss providers, you can put your portfolio into autopilot mode at low cost (based on passive ETFs or index funds).
The robo-advisor findependent is particularly well-suited—for personal assets and, now, also for Pillar 3a accounts—for investors who value low fees and prefer to do without unnecessary frills.
Savings plan from CHF 100
Low entry barriers from as little as CHF 500
Attractive fee structure: free for investment amounts up to 2,000 CHF, followed by tiered annual fees ranging from 0.29% to 0.40%; no fees on cash holdings
New: Pillar 3a with an all-in fee of 0.29% per year, up to 99% in equities, starting at 1 CHF, and up to five accounts for staggered withdrawals
Very high degree of self-determination in portfolio construction
Investing for children or for different investment goals possible
Sustainability and asset classes “equities”, “bonds”, “real estate” and “precious metals” (gold) to choose from
FINMA-regulated with a license as an account-holding securities firm and deposit protection of CHF 100,000
findependent Promo Codes:
Available only via the app; no access via a web browser
The Selma robo-advisor is particularly suitable for investors who do not want to worry about the details at product level, appreciate the “sustainability” option and/or want to benefit from free AI-supported financial advice.
Savings plan from CHF 100
Sustainability (ESG) and the following asset classes to choose from: “Stocks,” “Bonds,” “Real Estate,” “Precious Metals,” and “Private Equity”
AI-supported financial advice possible (free of charge and optional)
Integrated pension solution 3a possible
Swiss banking license and deposit protection of CHF 100,000
Free demo version
Selma Promo Code: sfbselma
🎁 34 CHF welcome bonus
Relatively high fees, especially for smaller portfolios: 0.42–0.68% per year depending on the investment amount, plus ETF costs of about 0.2%
No transparency regarding the underlying investment products
True Wealth has been a pioneer in digital wealth management in Switzerland since 2014. The company manages approximately CHF 3.5 billion for over 50,000 clients and is regulated by FINMA. According to our research, True Wealth is the most affordable investment solution in Switzerland for 3a accounts.
Extremely low costs in the 3a plan: 0% management fee, total of approximately 0.12–0.14%
High flexibility: A standard strategy tailored to your risk profile or a customized strategy with up to 99% in stocks
Broad investment universe covering all major asset classes: stocks, bonds, real estate, commodities, and cash
Withholding Tax-Optimized Index Funds in a 3a Plan for Higher Net Returns
Automatic allocation across five 3a accounts for a tax-optimized withdrawal
A Comprehensive View of Section 3a and Unrestricted Assets
A clear, intuitive app and desktop version available in German, English, and French
Expert, multilingual support, available quickly by phone and email
True Wealth Promo Code: SFB100TW
🎁 100 CHF fee credit (for personal assets and children’s portfolios)
Relatively high costs of just over 0.6% for discretionary assets and children’s portfolios (up to 500,000 CHF)
Gaps in Global Equity Coverage
No separate strategies per account or for 3a and non-3a assets
The Swiss fintech VIAC has been shaking up the pension market since 2017 with innovative solutions and attractive additional benefits – without paperwork, purely digital.
Since December 2024, it has also offered VIAC Invest, an attractive savings plan solution for free savings.
Fair Fees: Total costs of no more than 0.44% per year, depending on the investment strategy; no fees on cash holdings
Great flexibility and choice: Standard strategies—“Global,” “Switzerland,” and “Sustainable”—with equity allocations ranging from 0 to 99 percent, each available with or without bonds
“Custom Strategy” consisting of approximately 70 index funds and ETFs: asset classes “Stocks,” “Bonds,” “Real Estate,” “Commodities,” and “Alternative Investments” (Bitcoin), including small-cap stocks and optional currency hedging
High transparency: information on performance, costs and individual transactions available at any time
Intuitive platform: state of the art user-friendliness for both the smartphone app and the desktop version
Top-Notch Support: Expert service—often with a response via chat within just a few minutes
Free coverage: additional payout in the event of death or disability of up to 25% of the 3a assets
VIAC Promo Code: VIACSFB
🎁 Lifetime fee waiver on the first 2,000 CHF of assets
No degressive fee structure: For larger portfolios, the absolute fees have a noticeable impact
VIAC Invest is still in its early stages: there is very little data available on the funds launched at the end of 2024
Neobanks are also on the rise in Switzerland. Their most important feature: a smartphone app that can be used to process all essential banking transactions digitally. This saves costs, which is reflected in significantly lower fees than with traditional banks. Neobanks such as neon or Yuh have no recurring costs for accounts, cards and custody accounts. This makes them ideal for combining with your existing house bank and/or online broker. online broker broker you trust.
With around 240,000 customers, neon is one of the most important neon banks in Switzerland. No wonder, because its range of services tailored to different needs is really something special! No fewer than four different plans are available to you, each with the option of a partner account. neon is particularly attractive when it comes to foreign payments by card. But neon’s savings plan trading platform also scores with low fees and some top ETFs.
Intuitive app for paying, saving and investing
Ideal for traveling and online shopping abroad: only 0.35% exchange rate surcharge when paying by card (applies to the basic offer without account management fees neon free; the exchange rate surcharges do not apply to the other three plans with account management fees)
Invest in top ETFs at low fees for trades up to CHF 1,000 (flat rate of 0.50%; also suitable for very small amounts as there is no minimum fee)
Automatic investing is possible through a savings plan (including commission-free ETFs, among others)
Inexpensive pillar 3a solution fully integrated into the app with total costs of 0.39% – 0.45% p.a.
Invest exclusively in home currency CHF, i.e. no manual currency exchange necessary
Deposit protection of CHF 100,000
neon promo code: neonSFB
🎁 Get 100 CHF in trading fees for free (on your first three trades within two months of opening your account)
Too expensive for larger investment sums due to linear price structure (exception: commission-free ETFs)
No multi-currency accounts
No fractional trading
Founded in 2021, Yuh is already the rising star of the Swiss neobank scene with over 300,000 customers. And rightly so. Because Yuh is super convenient and scores with an attractive overall package: multi-currency account, easy trading in autopilot mode and much more. Yuh has been a 100% subsidiary of Swissquote since July 2025.
Intuitive app for paying, saving, saving for the future and investing in a modern look and with a high level of convenience
Attractive conditions for payments and savings with numerous free services
Practical, fee-saving multi-currency account for 13 currencies
Free joint account if required
Invest in an attractive selection of ETFs with fair fees and small investment amounts starting at 1,000 CHF (0.50%, min. 1 CHF)
Convenient investing is possible with a savings plan and in autopilot mode; now also available with ETFs with no purchase fees
Fractional trading (fractions of shares, share ETFs) possible for all investment products
Deposit protection of CHF 100,000
Yuh promotional code: YUHSFB
🎁 50 CHF trading fees + 250 Swissqoins for free
Despite reduced rates (0.35% for amounts of 10,000 CHF or more, 0.25% for amounts of 20,000 CHF or more), costs remain comparatively high for larger investment amounts (exception: commission-free ETFs)
Relatively high currency exchange fees of 0.95%
Alternative investments can be useful as an addition , as they stabilize the traditional (equity) portfolio or make it less dependent on the performance of the stock market. In addition to real estate, commodities and crypto investments, these alternative investments also include collectibles.
Alternative investments play a particularly important role in the core-satellite strategy: while the “core” – usually broadly diversified ETFs – accounts for the lion’s share, selected “satellites” – i.e. alternative investments – provide targeted return opportunities or diversification beyond traditional asset classes.
Worried about inflation or stock market turbulence? The up-and-coming Swiss platform Splint Invest offers you the opportunity to add the alternative asset class “collectibles” to your portfolio conveniently via an app.
Invest in physical assets such as watches, art, wine or handbags from as little as €50 (equivalent to one split pin), in a choice of three reference currencies: CHF, EUR or GBP
Expected and realized net returns often in the double-digit percentage range
Different investment horizons from 1 to 10 years, depending on the collector’s item
Weekly trading platform (secondary market) for early sales and bargain purchases
Protection of investments in the event of insolvency of Splint Invest
No account fees; platform and administration costs are included in the purchase price
Splint Invest Promo Code: SFB60
🎁 No financial risk to you: 60.– sign-up bonus for your first Splint in a collectible of your choice (CHF, EUR, or GBP)
Higher fees (4-10%) than for traditional passive investments such as equity ETFs
Passive exchange-traded funds, better known by the abbreviation ETF, are our favorite investment vehicle: cost-effective, broadly diversified and liquid. With more than 1,800 ETFs traded on the SIX Swiss Exchange alone, the range of products on offer is huge and it is difficult to keep track of them all. We have made a selection for you based on rational criteria that neither favors nor excludes certain providers. In the articles linked below, you will find exciting insights into the diverse world of ETFs and hopefully your dream ETF:
Disclaimer: Investing involves risks of loss. You must decide for yourself whether you want to bear these risks or not.
Errors excepted: We have written this page to the best of our knowledge and belief and update it on an ongoing basis. Our aim is to provide you as a private investor with objective and meaningful information on all aspects of finance. However, if we have made mistakes, forgotten important aspects and/or are no longer up to date, we would be grateful if you could let us know.
Cooperation: The provider links are so-called affiliate links. With most providers, you benefit from a commission as a new customer. At the same time, you support our blog. Thank you for your support!
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