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willbe ETFselect positions itself as curated ETF solution The finance app is from Liechtensteinische Landesbank. With a selection of around 50 hand-picked ETFs and funds instead of overwhelming options, you always have a clear overview. The promise: Easy entry for investors, who do not wish to spend hours conducting research.
But does the offer deliver what it promises? I invested CHF 1,000 and tested willbe ETFselect for you under real conditions. In this willbe review, you will learn how the platform works, what it costs and for whom it is really worthwhile.
willbe ETFselect is the curated ETF solution Liechtensteinische Landesbank with over 50 hand-picked ETFs and funds. What makes it special: Free savings plans from £100 and one of the most affordable Currency conversion for Switzerland (0.3%).
| ✅ Advantages | ❌ Disadvantages |
|---|---|
| Free ETF savings plans | Custody fees 0.15–0.30% per annum. |
| Only 1-2 ETFs per category (no overload) | Limited selection (~50 ETFs) |
| Very favourable currency exchange rate (0.3%) | No individual shares |
| Moody's Aa2 rating (LLB), State of FL AAA | New ETF offering (since 2025) |
| LLB funds completely free of charge | |
| Daily execution (Mon-Fri) | |
| fractional trading |
willbe ETFselect is the digital ETF savings plan solution Liechtensteinische Landesbank (LLB) – a bank with Moody's «Aa2» rating and over 160 years of tradition. Liechtenstein itself has an AAA rating from S&P. What makes it special is that instead of countless ETFs, willbe offers a hand-picked selection of over 50 ETFs and funds.
The concept: «Netflix for ETFs» – curated rather than overwhelming. For each segment (world, Switzerland, Europe, etc.), there is maximum 1-2 top options. This saves analysis time and prevents decision paralysis.
Target group:
Do not confuse: willbe also has a Asset management (willbe Invest, 0.491% p.a., active management). ETFselect is the Self-directed offering for self-investment.
Your key to success! Discover our top recommendations from real testimonials.
To give you an insight, I have CHF 1,000 invested with willbe, to test the offer under real conditions. Here are my first impressions:
I have a monthly savings plan set up over CHF 250:
This is how it works:
What struck me was:
The preliminary selection of funds is very exciting. Naturally, it includes the important major indices, such as the Vanguard All World ETF and the SPI ETF from UBS. Both are very popular in the Swiss franc community.
While browsing through the ETF list, I came across, for example, the LLB Shares Lake Zurich Region (CH0421963809) – a fund comprising small and medium-sized companies from the Lake Zurich region. Without pre-selection, such funds would fail or remain unknown to many investors.
Key data on the Lake Zurich Fund:
Why exciting? If you want to invest in Switzerland's strongest economic region and support local businesses, this is an interesting option. At willbe completely free of trading and custody fees (LLB fund privilege!).
I exchanged CHF 500 for international ETFs (USD):
Conclusion: With 0.3%, willbe actually offers the interbank rate. one of the most favourable currency exchange rates For Swiss people – a definite plus!
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
willbe ETFselect currently has over 50 ETFs and funds (As of 13 November 2025). The principle: Only individual top picks per segment, reviewed by LLB investment professionals.
| Category | number | Example ETF | TER |
|---|---|---|---|
| world | 3 | Vanguard FTSE All-World (IE00B3RBWM25) | 0.19% |
| Switzerland | 4 | UBS SPI (CH0131872431) | 0.09% |
| USA | 4 | iShares S&P 500 (IE00B5BMR087) | 0.07% |
| Europe | 5 | UBS MSCI Europe (LU0446734104) | 0.06% |
| emerging markets | 5 | UBS MSCI EM (LU0950674175) | 0.15% |
| ESG | 3 | iNdx Global Paris Aligned (LI1146685196) | 0.32% |
| Bonds | 30+ | iShares iBonds 2025-2034 (from 0.12%) | 0.12-0.50% |
| Topics | 5 | VanEck Defence (IE000YYE6WK5) | 0.55% |
| LLB fund | 10+ | LLB Dividend Pearls Global (LI0008475134) | 0.83% |
Instead of 50 MSCI World ETFs, there are Only 2 options:
Advantage: No analysis paralysis. You know: «This is a top fund for my needs.»
Disadvantage: Those seeking specific niche ETFs (e.g. robotics, artificial intelligence, clean energy) will not find them here.
All LLB fund (e.g. Lake Constance, Lake Zurich, Global Dividend Pearls, Green Bonds) are:
This is what actively managed funds do more competitively priced to passive ETFs. Nevertheless, our Swiss franc investment philosophy remains clear: for long-term wealth accumulation, we primarily rely on low-cost, passive ETFs. LLB funds can be an exciting addition to regional or thematic focuses, but in our view, they are more of a supplement than a building block due to their higher running costs.
| transaction type | Fee |
|---|---|
| ETF Savings Plan | CHF 0 ✅ |
| LLB funds (purchase/sale) | CHF 0 ✅ |
| ETF one-off purchase < CHF 5,000 | CHF 2 |
| ETF one-off purchase ≥ CHF 5,000 | CHF 2 + 0.25% |
Additional costs:
Example of a one-off purchase:
Execution: Daily from Monday to Friday
| deposit volume | Annual fee. | Example | Swiss franc community special |
|---|---|---|---|
| CHF 0 - 25,000 | 0.30% | CHF 10k = CHF 30/year | CHF 0 in 2026 (fees will be refunded) |
| CHF 25,001 - 100,000 | 0.25% | CHF 50k = CHF 125/year | CHF 0 in 2026 (fees will be refunded) |
| CHF 100,001 - 500,000 | 0.20% | CHF 200k = CHF 400/year | CHF 0 in 2026 (fees will be refunded) |
| Over £500,000 | 0.15% | CHF 600k = CHF 900/year | CHF 0 in 2026 (fees will be refunded) |
Important: LLB funds are completely free of custody fees – a clever incentive for regional investment!
Scenario 1: Savings plan beginners
Scenario 2: Larger portfolio
Scenario 3: International investor
Savings vs. bank (1%): Save £7/month = £84/year!
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
1. Free savings plans
CHF 0 trading fee For all ETF savings plans – perfect for long-term wealth accumulation. Daily execution (Mon-Fri) provides maximum flexibility.
2. Curated selection – no overload
Only 1-2 ETFs per segment, verified by LLB financial professionals. No need for hours of research. It's like a Personal shopper for ETFs.
3. Very favourable currency exchange rates
0.3% is one of the cheapest providers – significantly cheaper than Wise (0.411% on the day of testing), Revolut (around 0.51%) or major Swiss banks (~1-21%). A real advantage for international investments!
4. High security
LLB has Moody's «Aa2» rating – one of the most secure banks in the world. Over 160 years of experience, Deposit protection up to CHF 100,000. Liechtenstein as a country has an AAA rating (S&P), is a member of the EEA and is politically stable.
5. Simple app – no technical knowledge required
The willbe app is self-explanatory. Clear cost overview before every purchase, intuitive navigation.
6. LLB funds completely free of charge
No trading or custody fees all LLB funds. Examples:
Active management without extra costs – that's rare! Nevertheless, the ongoing fees for active funds are naturally higher than for passive alternatives.
7. Free tax report
The tax report for DE/AT/CH/LI is available free of charge.
8. Transparent fees
«willbe Ehrenwort»: All costs are clearly displayed on the website and app. No payment for order flow – willbe does not sell your orders to third parties.
9. Regional investment options
Unique funds such as Lake Zurich region or Lake Constance region – for investors who want to support local SMEs.
1. Custody fees higher than at Neon/Yuh
0.301% p.a. (up to CHF 25k) vs. CHF 0 at Neon/Yuh. For a CHF 20,000 deposit, you pay CHF 60 per year – not a huge amount, but not free either.
2. Limited ETF selection
~50 funds vs. around 70 ETFs at Yuh or Neon. Who Niche ETFs (Robotics, biotech, AI) will not find what they are looking for.
3. No individual shares
Only ETFs and funds. Who Apple, Nestlé & Co. If you want to buy directly, you need a second broker.
4. Young offering – limited track record
willbe ETFselect has only been around since June 2025. Long-term experience is still lacking.
5. Higher TER for LLB funds
No custody or trading fees, but TER 0.67-1.21% higher than passive ETFs (0.06-0.19%). Trade-off: active management + regional focus.
| Criterion | willbee ETFselect | Neon Invest | Yuh | VIAC Invest |
|---|---|---|---|---|
| ETF selection | ~50 (curated) | ~70 | ~70 | ~80 |
| Savings plan fee | CHF 0 | CHF 0 (for selected ETFs) | CHF 0 (for selected ETFs) | CHF 0 |
| Deposit fee | 0.15–0.30% per annum. | CHF 0 | CHF 0 | 0.45 - 0.52% per annum. |
| one-off purchase | CHF 2 (< CHF 5k) | 0.5% or at least CHF 1 | 0.5% or at least CHF 1 | - |
| individual shares | ❌ | ❌ | ✅ | ❌ |
| Currency exchange | 0.3% | No FX fee when trading | 0.95% | About CHF investment |
| Minimum savings rate | CHF 100 | CHF 1 | CHF 1 | CHF 100 |
| Domicile | Liechtenstein (LLB) | Switzerland | Switzerland | Switzerland |
| Special feature | Curation + favourable FX | Many things free of charge | Largest selection | Top pension solution |
Neon Invest offers selected ETFs in savings plans free of charge. Exciting for cost-conscious investors with their own ETF selection. More about Neon in the bank comparison
Yuh Combines ETFs (some of which can be traded free of charge) and individual shares with many other products (shares, crypto, thematic investments). For flexible investors who also want to trade shares. Read Yuh's review
VIAC Invest Suitable for combining pillar 3a and free assets, but has higher fees (0.45–0.521% p.a.). VIAC Invest experiences
willbe ETFselect Scores with curation (~50 instead of countless ETFs), very favourable currency exchanges (0.3%) and free LLB funds (Lake Zurich, dividend gems, green bonds).
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
After my test investment and intensive examination of the offering, I consider willbe ETFselect to be an exciting solution for a specific target group.
willbe is particularly suitable for ETF beginners, who don't want to compare countless ETFs. Curating ~50 products reduces the decision-making burden – there are only 1-2 top options for each category. This saves time and prevents analysis paralysis.
A Another big advantage is the currency exchange.With a fee of 0.31%, willbe is one of the cheapest providers – significantly lower than Wise (0.41%), Revolut (0.51%) or banks (~1-2%). Anyone who regularly invests in USD or EUR ETFs can make significant savings here.
Getting LLB funds completely free of charge (no trading or custody fees) is a clever incentive. You won't find regional options like this easily elsewhere.
The custody fees (0.15-0.301% p.a.) are the trade-off for the curation and service of a top-rated bank. For deposits up to CHF 25,000, you pay a maximum of CHF 75/year – which is manageable for many if the other advantages are utilised.
The overall impression is not least influenced by the simplicity and transparency are positive Conclusion. I am impressed by willbe's philosophy of «word of honour» (no payment for order flow, all costs disclosed). For ETF beginners with international investments and a portfolio of less than CHF 30,000, willbe is a well-considered choice.
Swiss franc rating: 4.5/5 stars – Solid solution with a clear USP (curation + favourable currency exchange rates + good overview + free tax report), but not the right solution for everyone.
Transparency note: This article was created in cooperation with willbe. Nevertheless, the assessment is based on my own independent analysis.
As you would expect in a willbe review, security is also taken into account. The willbe finance app is provided by Liechtensteinische Landesbank (LLB) Operated – Moody's «Aa2» rating, over 160 years old, one of the safest banks worldwide. Deposit protection up to CHF 100,000. Liechtenstein as a country has an AAA rating (S&P), is a member of the EEA and is politically stable.
Over 50 ETFs and funds (As of November 2025), curated by LLB financial professionals. Only 1-2 top picks per segment for maximum simplicity.
Categories: World (Vanguard FTSE All-World, UBS MSCI World), Switzerland (UBS SPI, SMI), USA (S&P 500, Nasdaq), Europe, Emerging Markets, ESG, Bonds (iShares iBonds 2025-2034), Themes (Defence), plus 10+ LLB funds.
0.3% fee based on the interbank rate – is one of the cheapest providers on the Swiss market. For comparison: Wise (0.41% on the test day), Revolut (around 0.5%), major banks (~1-2%). Example: CHF 1,000 → USD costs only CHF 3. Perfect for US/international ETFs!
Yes, CHF 0 trading fee for all ETF savings plans. LLB funds are also free of charge in the savings plan. However, there are other potential costs: custody fees of 0.15-0.30% p.a. (except for LLB funds) and fund costs (TER), as well as stamp duty, for example.
LLB funds are actively managed funds of Liechtensteinische Landesbank (e.g. Lake Constance, Lake Zurich, Dividend Pearls, Green Bonds). At willbe completely free of trading and custody fees – You only pay TER (0.67-1.21%).
Yes, willbe allows fractional trading. With the savings plan, you can enter either a number of shares or a fixed amount as a regular order.
Approximately 24 hours In most cases. Register online (4 minutes) with our willbe experience, video identification (3 minutes), account activated in no time. Faster than many Swiss banks!
No, willbe ETFselect only offers ETFs and funds. For crypto: Comparison of crypto exchanges in Switzerland
From £100k, fees decrease to 0.151 TP3T per annum. At CHF 200k = CHF 300/year. If you make extensive use of curation and FX benefits (0.3%), willbe can still be worthwhile.
As with most Swiss brokers, you must declare your earnings yourself in your tax return. willbe provides you with a tax report, which has a very positive impact on the result of our willbe test. Expenditure: Approximately 5 minutes per year.
Eric is the founder of Schwiizerfranke.com and certified IAF wealth advisor. Since 2019, he has been helping Swiss citizens to organise their finances comprehensibly, independently and efficiently.
📌 Note: This article is for information purposes only and does not constitute personalised investment advice.
Thanks for the test, Eric!
You write that you invested 1,000 francs. The screenshots show even larger sums! 😊 Thank you for testing for us with your money.
About the article: It's a shame there's no voucher. But I like the Willbe offer and have put it on my agenda to set up a trial account over the holidays.
You're welcome, Lou!
That's right, I'm not only testing (and using) ETFselect, but also other offers such as the willbe interest-bearing account.