Clevercircles experience: Costs, Fees & Performance Review

Licensed in Switzerland since 1909, the Bank Cic has its own Roboadvisor under the name Clevercircles launched. They are significantly different from all other roboadvisors on the Swiss market: a Community feature actively brings the Investor opinion with it.

Whether this makes sense, how it affects the Performance and about the Clevercircles Fees You can find out more about the impact of Clevercircles in this review. Furthermore, we share all the Clevercircles experiences we had in the process of opening an account and investing with Clevercircles Bank Cic.

If you should decide to make a deposit with Clevercircles, we have a Promo code negotiated for you. But it's best to read the experience report first.

If you have any more questions on the topic, we look forward to an exchange in the comments!

CHF 100 voucher code

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Clevercircles Performance: Depot Check

We structure this Clevercircles review according to the frequency of your questions. Accordingly, we start with the Clevercircles performance and show you the portfolio suggested to us.

After a few questions about the investment period and risk assessment, we have a personal deposit proposal which looked like this:

The rough overview can also be viewed in detail, here is a small excerpt of the proposed positions in the Clevercircles portfolio.

On the left you see the individual products, on the right the Weighting, divided into individual Currencies. It is nice to see the broad Diversification across countries and asset classes and yet a good proportion of CHF Positions. This save on currency exchange fees, of course and therefore have an effect positive impact on Clevercircles performance off.

Clevercircles fees and costs

If you talk about performance, you can't ignore costs. Accordingly, we want to Clevercircles Fees take a closer look.

Free demo account
0.65% per year with CHF 5,000 minimum investment
0.55% per year from CHF 100,000 minimum investment
0.45% per year from CHF 200,000 minimum investment

The minimum management fee is CHF 40 per year. (Since 0.65% for CHF 5,000 only results in CHF 32.50, it is therefore somewhat higher here in percentage terms at the beginning).

Now there are other fees. On the one hand, the fees at the Currency exchangewhich are approximately 0.135% and Fees for the used Productswhich are around 0.2%. Both factors depend strongly on your portfolio and can therefore only be roughly estimated for you. Nevertheless, we want to try:

On a small portfolio with CHF 5'000 there are about 0.85% fees per year
On a large portfolio with more than CHF 200,000 there are approximately 0.65% fees per year

You can of course save fees if you targeted local in CHF and thus keep the spreads small when exchanging currencies. However, this would be in contrast to the Diversification stand. In general, we can say that our Clevercircles experience is very positive in terms of fees, as Clevercircles is one of the cheapest investment platforms in Switzerland.

Our financial tips for 2026

"Intelligent people learn from the mistakes of others".

We have compiled our top selection for you from all our tests and experience reports:

Clevercircles Voting in Community Circles

So far, everything was actually ordinary:

Open an account, assess the risk, Clevercircle's strategy is suggested, adjust if necessary and off you go to invest. An ordinary roboadvisor, such as a True Wealth or Selma Finance?

Not quite. It's already in the name: The Circles. Clevercircles has a Community aspect and adds to the passive Investment approach a active Component added. Where some advocates of the absolutely passive investment strategy may have their hair standing on end, others are pricking up their ears.

Because while passive investment approaches have been proven to work very well, this is not always the case with active ones. Nevertheless, many of the passive investors know it: In addition to the boring but lucrative ETF, something "exotic" is bought. Regardless of whether it's a niche ETF or a Tesla share - an own market assessment or simply the thrill and interest in investing lead to this.

Clevercircles cleverly counters this with regular Votes. You'll be provided with information and asked clever questions about your Market assessment interviewed. In order not to make the weighting too dependent on your personal opinion, there are the so-called Clever Circles, i.e. communities that you can join. Add to your Circle and thus benefit from the "knowledge of the many".

Clevercircles Login, Security & Tax Statement

An essential part of digital providers like Roboadvisorn is, of course, the user experience. This includes the account opening, the Clevercircles login procedure, or for instance security and at the end of the year the Clevercircles Tax Statement.

The 2-factor authentication via the Clevercircles app on the smartphone works perfectly for us. Finding your way around the platform is also easy after a short time, even if it takes some getting used to at the beginning (especially with the Circles).

Where we had difficulties at the beginning was the registration to open an account. There were technical complications here, which according to support happened because an update to the platform was taking place at the same time. These were to keep us busy for a while, but we were nevertheless informed by the support team. Support Helped directly and in a friendly manner.

As for complementary info like the Clevercircles Tax statement we can give positive feedback. This is free of charge and is provided by Clevercircles at the end of the year. So a big plus on the list of our Clevercircles experiences.

Conclusion of our Clevercircles experience

Anyone who is simply looking for a simple way to Invest money cheaply and broadly to be able to, has a small selection of Swiss Roboadvisorn for selection.

But if you still want to contribute your own opinion, support a passive approach with active participation or, for example, make use of the "knowledge of the many" when investing, you should take a look at Clevercircles.

Here you will learn a lot about current market events, playfully vote with experts or friends and thus experience an interactive process of investing money.

Do you have any questions about Clevercircles? Then be sure to leave us a comment!

CHF 100 voucher code

Open your free custody account now with the code "CHFRANKE" and get CHF 100

Don't forget the coupon code! *

One Response

Markus says:

30. May 2023 at 14:47

Hoi Eric,
Merci for your review! I didn't know the platform until your Clever Circles review. My wife has now opened a portfolio for us and we are very happy with the interface and design of the robo advisor.

Unfortunately, she forgot the code. But here's a big thank you for your work!

Reply

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Clevercircles experience: Costs, Fees & Performance Review

Table of contents

CHF 100 voucher code

Clevercircles Performance: Depot Check

Clevercircles fees and costs

Our financial tips for 2026

Clevercircles Voting in Community Circles

Clevercircles Login, Security & Tax Statement

Conclusion of our Clevercircles experience

CHF 100 voucher code

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