Stock exchange fees & stamp duties
They go directly to the state and the Swiss Stock Exchange. Stamp duties are 0.075% (domestic) or 0.15% (foreign), while the SIX Swiss Exchange fee is max 0.015% of your deposit.
For your deposit:CHF 17.91
Pillar 3a
soon!
About us & knowledge
Low fees so more stays in your pocket
We manage your first 2'000 francs free of charge, for good. And for larger assets, we are among the most affordable providers!
Low fees so more stays in your pocket
We manage your first 2'000 francs free of charge, for good. And for larger assets, we are among the most affordable providers!
Low fees so more stays in your pocket
We manage your first 2'000 francs free of charge, for good. And for larger assets, we are among the most affordable providers!
Low fees so more stays in your pocket
We manage your first 2'000 francs free of charge, for good. And for larger assets, we are among the most affordable providers!
moneyland.ch
"A leader in the investment app comparison"
Authorised and supervised by FINMA
Same protection as with established banks
moneyland.ch
"A leader in the investment app comparison"
Authorised and supervised by FINMA
Same protection as with established banks
moneyland.ch
"A leader in the investment app comparison"
Authorised and supervised by FINMA
Same protection as with established banks
Calculate your recurring fees
Change the amount to calculate the recurring fees for your investment solution in real time.
Your investment amount
500 francs1'500'000 francs
Your fee rate0.38%per year
Effective costs per year182.40 francs
Effective costs per quarter45.60 francs
Your fee-free allowance of 2'000 francs is already taken into account! We only calculate the fee on 48'000 francs.
up to 2'000 francsFREE FOR LIFE
from 2'000 francs0.40%
from 50'000 francs0.38%
from 150'000 francs0.35%
from 250'000 francs0.33%
from 500'000 francs0.31%
from 1'000'000 francs0.29%
ETF costs (TER)
These costs are recurring and go directly to the ETF providers (e.g. iShares/Blackrock or UBS). They are deducted directly from the ETF share price or factored into the ETF performance, and are not debited separately from your account.
The weighted TER of the ETFs used in our investment solutions ranges between 0.08% and 0.23%. You can find more information here.
Here are the one-off costs in detail
In addition to the recurring fees mentioned above, there are one-time costs like stock exchange fees & stamp duties or currency conversion fees. They only occur when we buy and sell ETFs.
Choose your investment solution:
Choose your investment focus:
Total one-time costs for this depositCHF 47.16
Currency conversion fees
Applies when ETFs are purchased in foreign currencies (USD/EUR). The markup is 0.50% of the foreign currency portion (not your entire investment amount!) of your chosen investment solution.
For your deposit:CHF 29.25
Here's what you get for your money with us
Management and monitoring
As your asset manager, we select the best ETFs, continuously monitor your investment solution, and optimize it with our automatic rebalancing.
Secure custody management
Cash and custody account are held in your personal name. This keeps you on the safe side in the (highly unlikely) event of a bankruptcy.
Tax report for free
Prepared for you every year and automatically made available as a PDF in the app. Making your tax return a breeze.
Unlimited transactions
All deposits and withdrawals of any amount are completely free of charge.
No minimum contract term
No minimum contract term and no obligation to deposit. You can reduce or pause your standing order at any time.
No cancellation fees
Should you decide to leave us after all, we won't charge you a single thing at the end either.
Here's what you get for your money with us
Management and monitoring
As your asset manager, we select the best ETFs, continuously monitor your investment solution, and optimize it with our automatic rebalancing.
Secure custody management
Cash and custody account are held in your personal name. This keeps you on the safe side in the (highly unlikely) event of a bankruptcy.
Tax report for free
Prepared for you every year and automatically made available as a PDF in the app. Making your tax return a breeze.
Unlimited transactions
All deposits and withdrawals of any amount are completely free of charge.
No minimum contract term
No minimum contract term and no obligation to deposit. You can reduce or pause your standing order at any time.
No cancellation fees
Should you decide to leave us after all, we won't charge you a single thing at the end either.
Here's what you get for your money with us
Management and monitoring
As your asset manager, we select the best ETFs, continuously monitor your investment solution, and optimize it with our automatic rebalancing.
Secure custody management
Cash and custody account are held in your personal name. This keeps you on the safe side in the (highly unlikely) event of a bankruptcy.
Tax report for free
Prepared for you every year and automatically made available as a PDF in the app. Making your tax return a breeze.
Unlimited transactions
All deposits and withdrawals of any amount are completely free of charge.
No minimum contract term
No minimum contract term and no obligation to deposit. You can reduce or pause your standing order at any time.
No cancellation fees
Should you decide to leave us after all, we won't charge you a single thing at the end either.
Personal online conversation
Book a non-binding call with Kay or Jordan.
Free of charge · 30 min · online
Personal online conversation
Book a non-binding call with Kay or Jordan.
Free of charge · 30 min · online
Personal online conversation
Book a non-binding call with Kay or Jordan.
Free of charge · 30 min · online
More than 25'000 clients use findependent
We manage more than 500 million francs
Number of clients with 100'000+ francs has recently multiplied
More than 25'000 clients use findependent
We manage more than 500 million francs
Number of clients with 100'000+ francs has recently multiplied
More than 25'000 clients use findependent
We manage more than 500 million francs
Number of clients with 100'000+ francs has recently multiplied
Start your journey with zero hurdles
Scan the QR code, download the app, and move toward greater financial independence in under 10 minutes.
Start your journey with zero hurdles
Download the app, and move toward greater financial independence in under 10 minutes.
Start your journey with zero hurdles
Scan the QR code, download the app, and move toward greater financial independence in under 10 minutes.
FAQ
The most frequently asked questions and answers about findependent
How much does it cost me to transfer money between investment goals?
How (often) can I change my investment solution? Does it cost anything?
You can change your investment solution at any time directly in the app. To do so, click on the goal, then hit Details under the investment solution at the bottom and then select «Change investment solution».
Important: Since changing your solution requires selling some ETF shares and buying new ones, the usual transaction costs (e.g. stamp duty) will apply.
A tip from us: Your investment solution should match your long-term strategy. We advise against changing it in reaction to short-term market fluctuations. There's a high risk of always being one step behind. It's better to choose a strategy that lets you sleep well, even in turbulent times.
How much does it cost to deposit money? What is the most cost-effective approach?
We do not charge our own fees for deposits or withdrawals. The small transaction costs (e.g. stamp duties) incurred when buying ETFs are mostly percentage-based. This means that it makes little to no difference whether you deposit small amounts frequently or large amounts infrequently.
Our tip for effortless wealth accumulation: Set up a monthly standing order. This way, you invest regularly, benefit from the cost-averaging effect, and don't have to think about it anymore.
You can find more tips on depositing money on our information page.
How are the quarterly management and custody fees calculated and charged?
The management and custody fees are calculated quarterly on a pro-rata basis. The calculation is based on the average market value of your total investment amount (including cash balance) on the 25th day of the three months within the quarter. The total fee is then charged directly to your account at the end of the quarter.
The fees apply to each investment goal individually. But don't worry, having multiple goals isn't more expensive. Broadly speaking, it's not the number of investment goals that matters for the fee calculation, but the total value of all your investment solutions combined.
How can I increase my fee-free allowance / amount to save on fees?
You always have the option to further increase your fee-free allowance / amount by referring findependent to others. If the person you invite also invests with us, both your and their fee-free allowance will increase.
Here’s how it works:
Share your personal referral code with your friends and family. You can find it in the profile section of the app under «Invite friends / increase fee-free allowance».
You can find more information on our information page.
FAQ
How much does it cost me to transfer money between investment goals?
How (often) can I change my investment solution? Does it cost anything?
You can change your investment solution at any time directly in the app. To do so, click on the goal, then hit Details under the investment solution at the bottom and then select «Change investment solution».
Important: Since changing your solution requires selling some ETF shares and buying new ones, the usual transaction costs (e.g. stamp duty) will apply.
A tip from us: Your investment solution should match your long-term strategy. We advise against changing it in reaction to short-term market fluctuations. There's a high risk of always being one step behind. It's better to choose a strategy that lets you sleep well, even in turbulent times.
How much does it cost to deposit money? What is the most cost-effective approach?
We do not charge our own fees for deposits or withdrawals. The small transaction costs (e.g. stamp duties) incurred when buying ETFs are mostly percentage-based. This means that it makes little to no difference whether you deposit small amounts frequently or large amounts infrequently.
Our tip for effortless wealth accumulation: Set up a monthly standing order. This way, you invest regularly, benefit from the cost-averaging effect, and don't have to think about it anymore.
You can find more tips on depositing money on our information page.
How are the quarterly management and custody fees calculated and charged?
The management and custody fees are calculated quarterly on a pro-rata basis. The calculation is based on the average market value of your total investment amount (including cash balance) on the 25th day of the three months within the quarter. The total fee is then charged directly to your account at the end of the quarter.
The fees apply to each investment goal individually. But don't worry, having multiple goals isn't more expensive. Broadly speaking, it's not the number of investment goals that matters for the fee calculation, but the total value of all your investment solutions combined.
How can I increase my fee-free allowance / amount to save on fees?
You always have the option to further increase your fee-free allowance / amount by referring findependent to others. If the person you invite also invests with us, both your and their fee-free allowance will increase.
Here’s how it works:
Share your personal referral code with your friends and family. You can find it in the profile section of the app under «Invite friends / increase fee-free allowance».
You can find more information on our information page.
FAQ
The most frequently asked questions and answers about findependent
How much does it cost me to transfer money between investment goals?
How (often) can I change my investment solution? Does it cost anything?
You can change your investment solution at any time directly in the app. To do so, click on the goal, then hit Details under the investment solution at the bottom and then select «Change investment solution».
Important: Since changing your solution requires selling some ETF shares and buying new ones, the usual transaction costs (e.g. stamp duty) will apply.
A tip from us: Your investment solution should match your long-term strategy. We advise against changing it in reaction to short-term market fluctuations. There's a high risk of always being one step behind. It's better to choose a strategy that lets you sleep well, even in turbulent times.
How much does it cost to deposit money? What is the most cost-effective approach?
We do not charge our own fees for deposits or withdrawals. The small transaction costs (e.g. stamp duties) incurred when buying ETFs are mostly percentage-based. This means that it makes little to no difference whether you deposit small amounts frequently or large amounts infrequently.
Our tip for effortless wealth accumulation: Set up a monthly standing order. This way, you invest regularly, benefit from the cost-averaging effect, and don't have to think about it anymore.
You can find more tips on depositing money on our information page.
How are the quarterly management and custody fees calculated and charged?
The management and custody fees are calculated quarterly on a pro-rata basis. The calculation is based on the average market value of your total investment amount (including cash balance) on the 25th day of the three months within the quarter. The total fee is then charged directly to your account at the end of the quarter.
The fees apply to each investment goal individually. But don't worry, having multiple goals isn't more expensive. Broadly speaking, it's not the number of investment goals that matters for the fee calculation, but the total value of all your investment solutions combined.
How can I increase my fee-free allowance / amount to save on fees?
You always have the option to further increase your fee-free allowance / amount by referring findependent to others. If the person you invite also invests with us, both your and their fee-free allowance will increase.
Here’s how it works:
Share your personal referral code with your friends and family. You can find it in the profile section of the app under «Invite friends / increase fee-free allowance».
You can find more information on our information page.
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.
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© Findependent AG 2026
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.
© Findependent AG 2026
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.