Investing for expats in Switzerland

Investing for expats in Switzerland

Although most people still have the notion that the salary earned and the money is saved in a bank account is the end of the investment, sadly, this is not the case. One has to be very careful about the investing platforms also and the options available today.

There are different types of investment apps in Switzerland that will help you take a smart step. Other than that, some free investment apps in Switzerland also offer a wide variety of choices. Most German investment apps offer English services and help users know about legal matters in depth. Today’s Swiss market has more than one trading app in its kitty, out of which Degiro, Saxo, and bit flyer are popular. Let us now take a look at these apps in a detailed way.

We would love to navigate you through various investment options available in Switzerland and familiarize you with their offerings. Let’s begin already! To pick the best service, look for the rates, withdrawal fees, and customer service. We have selected the best investment options in Switzerland for you with the use of the following criteria:

investing in Swizterland
      English speaking customer service
      Good interface app/website
      Clear cost overview
      Flexible contracts
      Licensed brokers
      Fair credit rate
      No withdrawal fees


Pro’s /Con’s
#1 -The best Swiss investment app
Degiro swiss investment app


It is a leading mobile bank and delivers access to a wide range of financial services.

      The account opening with N26 is absolutely free as well as there is a monthly bearable cost.
      As a customer, you would get a free MasterCard debit card to start instant withdrawals.
      You could track your expenses through the Artificial Intelligence integrated system.
      An expat could save up to 6x more as compared to traditional banks, with their Transfer Wise inbuilt feature in the app that allows sending money internationally in 19 different currencies.
      Commendable customer service as offered in distinctive languages, and English being the most popular of all.
      ✘  Despite the flexibility of language as offered, customer service support is a lot slow while the app tends to take a lot of time to successfully load.
cred suise bank logo


It is a popular financial service company providing advisory solutions to clients in all possible aspects of finance.

      The bank offers additional services such as Investment Banking and wealth management besides general banking.
      The savings account is free from account management fees, and you also get a free cash service card to deposit money at any of their ATMs.
      The interest rates offered are comparatively better than other banks in the country.
      You could use their mobile banking service for quick transactions.
      As a customer, you would be required to serve a notice period of 3 months prior to closing the account.
      ✘  Although the bank offers 12 free withdrawals in a year, from 13th onwards, you would be charged CHF 10.


It is a popular global firm providing professional financial services across various countries.

      With the bank’s additional fund account option to the savings account, one could strive to earn higher returns.
      Similar to Credit Suisse, UBS also offers free of cost account maintenance.
      The bank also offers convenient cash withdrawals at Bancomats.
      A unique feature of Customer Card, that too free of charge.
      ✘ The bank offers only six free withdrawals in a year and hence, might become expensive.
      ✘ A surcharge is imposed on payments made from a savings account.
What is The Best ETF Investment Company?

If we talk about the best ETF investment company in Switzerland, then Degiro rules the roost. Since then, the online brokerage service provider was founded in the Netherlands and expanded over to 18 countries across Europe.

One of the prime differences in what Degiro offers is the structure. Another benefit of using Degiro is that it is available in both ETF and App only versions. This helps users in easy transactions and gets low rates, safe and secure service, global investment opportunities, and a good variety of stock exchange.

Degiro is the most trusted trading platform today. The platform is innovative and has, till now, around 100,000 users who are ardently supporting it. The fastest growing platform has bagged 66 awards internationally. This includes Best Discount Broker and Best Broker for Stock Trading, both in 2020. Apart from that, it offers a unique ability that makes it the leading online broker for years now.

The best general trading apps in Switzerland

We all know that when it comes to investment, three apps have become the frontrunner. They are:

  • Degiro
  • Saxo
  • Bitflyer

Let us now check how and why these apps are popular with people in detail.

About Saxo

Saxo is a Danish bank that was founded way back in 1992. The investment platform is a safe broker for trading forex accounts and CFD’s.
One of the prime aspects that separate Saxo from the rest is that it offers various trading options starting from CFD’s, ETF’s, ETN’s and NDF’s.

Other than that, Saxo also provides traders with excellent pricing. There are three types of accounts starting from Classic account, VIP account, minimum accounts. The minimum deposit for creating the account is US$ 10,000, and there is also an option of mobile trading with Saxo.

With the best mobile, web, and desktop platforms, Saxo offers the best tools to carry out investments and research for the users. Their model is transparent with multi-asset liquidity, and this is why the account has bagged awards like the Best prime of a prime broker, best retail FX platform, and HFM awards.

About Bitflyer

Bitflyer is another digitally equipped investment platform where the money invested is in cryptocurrencies. We all know for a fact that Cryptocurrencies like bitcoin, XPR are the future of investment.

Bitflyer works on the operation of cryptocurrency and is one of the reliable ways of investment in Switzerland. The whole process is safe, fast, and easy, making it easy for users to keep a tab on their money.

In addition to transparency, bit flyer has its roots embedded in blockchain and has robust security along with powerful features. The whole platform is available for both Android and iOS users. The platform is available in the US, Europe, Japan and offers reliable trading opportunities for users.


Degiro is an online brokerage service that started in the Netherlands. Since then, the immense popularity of the app has expanded across 18 countries. A number of reasons cite for its popularity. With its global access, you can access it anywhere and everywhere.

Secondly, the app is available in many languages, including English. This helps people to understand and use the app better. Apart from that what helps is:

  • Degiro has low fees
  • It has a regulated brokerage service
  • Secured structure

Unlike other apps, Degiro is a trading platform, that trades stocks. Degiro is moreover available in both app and web service. This is why the platform has won many awards, including the best low-cost stockbroker and best online broker in 2017 and 2019.

FAQ about internet providers in Switzerland

The trading system today is seeing a lot of change due to the arrival of new technologies. However, in order to get the apps and platforms for trading in Switzerland, you must dig deeper into the different ETFs along with the multiple stock trading platforms.

There is more than one step to open a trading account in Switzerland. They are:

  • Make your mind up about what kind of trading you want to do.
  • You will need a passport and a bank account.
  • Then, open an investment account, which usually takes a few days.
  • Once the account is open, you can start uploading money via Paypal or via bank transfer.

All those who still have no clue about investing money in Switzerland are in wait for a surprise. The country has some of the best options reserved for one and all with Online trading Switzerland and investment apps. When it comes to the latter, there are three apps that most of the expats and locals use like Degiro, Saxo, and Bitfly.

Ever since their debut, all the three investment platforms have successfully created a niche for themselves. Such is their popularity that today these apps are vouched as the best android investment apps. Apart from these, it offers various investment options as well.

Saxo, for example, is a great trading platform and offers a broad portfolio for the products. It is one of the best apps for, and with the help of a Saxo account, you can invest money on a large scale and do outstanding research. The app has an overall 4.8-star rating and is thus one of the best platforms to invest your money without worrying.

Other options apart from trading through apps are investing in trade stocks or Cryptocurrencies, where the different investing app android provides all the solutions possible. One of the prime benefits of using the best investment apps for beginners is that you will be able to learn the trade fast.

Most of the time, it is seen that people forget to check what the investing game app offers. For example, if you opt for the app, you benefit from both accounts. Similarly, if you go for bit flyer, then the app will help you invest in cryptocurrencies, one of the most trusted methods opted for through Robo investing app.

However, irrespective of the option you choose, whether the iPhone investment app or Spare change investment apps, it is recommended to remember choosing the high-quality apps and platforms as they will help you in every step of the investment process.