Findependent explained
Since the spring 2021 stands the Findependent Investment platform available for investors. The founding team around Matthias Bryner has the mission of making investment in Switzerland as simple and understandable as possible for beginners.
Complexity is deliberately avoided, and everything is kept as simple and as transparent to reach newcomers at eye level. The strong digitalisation in the offer ensures low costswhich are intended to make investing more attractive to investors.
We find the concept exciting and have therefore agreed with Findependent on a Interview exchanged. The following information is the result of a conversation with the managing director.
What's important with young fintechs like Findependent is the Seriousness and Security of financial investments.
Since the beginning of 2026, Findependent itself has been a Account-holding securities firm with FINMA authorisation. The account and custody account are now managed directly by Findependent, without going through a third-party bank. This speeds up the entire process considerably: IBAN, deposits and initial investments are sometimes possible on the same day.
Your cash portion (approx. 1% of the investment amount) is covered by the Swiss deposit insurance protected up to CHF 100,000. Your ETFs are considered special assets and legally belong to you, even in the event of insolvency.
I've been with Findependent since 2024 and can highly recommend it!
I have been a Findependent member for a long time. Save CHF 3000.00 in administration and custody fees for life with the friendship code.
With this code you can secure lower fees at FIndependent for life :).
With the code you can invest the first CHF 4'000 without administration and custody fees when you open an account with findependent - that's a really great deal! My experience with findependent was great. The app is easy to use and feels very authentic. If I had any questions, I could just call and Vincent or someone from the team would get straight back to me. It's really fun to invest in such an uncomplicated way. Thank you, Matthias, for developing something so great!
Greetings from Schaffhausen! 🤍
What is this code? 🙂
Thanks for the code to invest your first 3000 CHf free for life!
You have a code to register with Findependent, so your first 3000 are free of administration and custody fees (for life)!
I think independent is a great way to start investing and since the end of 2023, the returns have also been really fun again 😉
If you enter the Findependent code, you can also benefit when you open an account!
LG
Thanks to the registration code you will receive a lifetime discount on your first 1000 - no fees!
I've had a good experience so far. Findependent works together with Hypothekerbank Lenzburg. Feels like a solid company so far. When you open an account, enter the referral code and invest the first CHF 3,000 for life without administration and custody fees. I also got a code from colleagues. It worked 😉! I can only recommend it.
Hello Eric
First of all, a big thank you for your great work. I myself have been investing for over 20 years (for a long time it was with expensive active funds) and have gradually been able to adapt my strategies accordingly. I have also got to know most of the roboadvisors with all their advantages and disadvantages.
Passive investing is fun and should be for everyone. But what I'm missing (or I just haven't found what I'm looking for in all my products) is passive withdrawal. At some point the time will come and the money will be needed; having several million at the age of 90 is nice, but not necessarily practical.
With the active funds from PostFinance, you could set up a withdrawal plan and a fixed amount was paid out each month. In this way, an average price can be achieved when selling and you don't have to be actively behind it, which also keeps emotions out of the equation, which in my view is the most important thing when investing.
Do you have any plans for this topic, or does something already exist?
Greetings Marcel
Hello Marcel
Thank you very much for your kind feedback 🙂
The point you raise is very important. Withdrawal will come to us all at some point. Not all providers actually offer such automated payouts yet. But since most providers are still young, this topic will probably be at the back of the agenda, but hopefully it will come soon ...
I have already made a contribution here to the withdrawals written.
Kind regards,
Eric
Simply use the code to save on fees :)
Hey! I use the investment app findependent.
If you would also like to try it out, you can enter the code when you open your account and invest your first CHF 4,000 for life without any administration or custody fees. But you can start from as little as CHF 500!
I am very satisfied with Findependent's service. The platform is easy to use and offers a good overview. I particularly like the possibility of receiving allowances through referrals. With the code, you can receive an allowance of 1000.- when registering 🙂
I also started with findependent last week.
The code is there to save administrative fees up to 3000 Chf!
Hey! I use the investment app findependent.
If you also want to try it out, you can enter the code when opening the account and invest the first CHF 3,000 for life without administration and custody fees. But you can start with as little as CHF 500!
Learn more at findependent.ch
Hey! I use the investment app findependent.
If you would like to try it out, you can enter the code when you open your account and invest your first CHF 3,000 for life without any administration or custody fees. But you can start from as little as CHF 500!
Learn more at findependent.ch
Super App uses this code and starts directly with 3000 CHF without
Administrative fees
I opened an account with findependent and so far so good for now, very easy to use. They'll also send a report to help file taxes starting this year, which should be quite helpful. You can use this code to get 2000 CHF managed free of fees for life when you open an account.
Thanks for sharing your experience with Findependent, Phil!
Danie for the report, findependet really good!
Hello Together
With the code you increase your allowance by CHF 1,000 for life. I've been investing for a good six months and I'm delighted.
Have fun investing 🤙
Michael
I am now writing my frustration about the whole neo-broker hype off my chest:
All these apps seem to be aimed at inexperienced, young and possibly naive newcomers to the stock market. They are lured with trendy themes, clicky apps, convenience and goodies for signing a contract.
The money-making begins for the operators when the assets of the new customers gained in this way increase. Well, you can of course change brokers, but that involves a lot of effort and the "super convenient" customers are unlikely to do so. After all, it is statistically more likely that someone will get divorced in 202x than that they will change banks 🙁
Let's make a few calculation examples and use Findependent because it is just so appropriate.
Kevin Klein(stinvestor) invests 1000.- for the next 40 years and we assume that his investment fund (according to TER) returns 7%. With fees of 0.44%, the 1000.- becomes 12700.- in 40 years. Sounds great! But without fees it would be 14970. 1170% or 1397% profit, that's quite a difference!
Stefan Sparsam invests 100,000 with Findependent. This results in fees of (100.000.- - 2000.-) * 0.44% = 431.20 p.a.
Ouch. He would have been much better off with Postfinance (90.00 fixed which are then also credited as trading credit).
I may sound like the Advocatus Diaboli but don't get me wrong. I have nothing at all against young people investing with a small budget and thus gaining experience. Let them burn their fingers and learn from it with relatively little loss.
What I miss in your praise is a hint that with _the_ cost structure such a solution is only worthwhile up to the amount of CHF xy and for higher amounts the broker x or y would be better.
Why don't you write an article: "Up to what amount are neobrokers cheaper than [Postfinance / Swissquote / DeGiro]". In Stefan Sparsam's example above, the limit is 22450.
Just so my two deleted apps
Dear Alain
Thank you for your comment. You have expressed some important points and opinions. Here are a few thoughts from me:
- Findependent is also aimed specifically at beginners, as investments are possible from as little as CHF 500. Perfect for gaining initial experience and getting a feel for investments. As the securities account grows, so does the knowledge and then a customer may also accept the services of a broker. In my opinion, comparing Postfinance Trading and Findependent 1:1 is somewhat misleading. Rather, you should use the Postfinance Robo Advisor, which is probably one of the most expensive in comparison and is about twice as expensive as Findependent. The article will follow in 2 weeks.
- Anyone with a larger portfolio/assets will get better conditions with pretty much any provider. If a provider does not reward this and customers then switch, it is the provider's own fault. If customers are lazy about switching, as you say, and then neglect a change and thus potential savings, this is a shame. But Schwiizerfranke is of course trying to encourage this with information and transparency. Your hint as to why this is not said in every post on Schwiizerfranke: Nobody wants to read a 5-page article comparing everything and every provider and every option when all they really want to know is whether a young fintech is reputable and what advantages and disadvantages it offers. Or not?
- In my opinion, providers that target non-wealthy customers are very relevant. The majority of our population was not born wealthy and did not learn how to handle money at school - if they can at all. In my opinion, you have to learn it yourself with "skin in the game" as they say.
This is just my opinion. Thanks for sharing your thoughts 🙂
Thank you for the testimonials about the different providers and roboadvisors for sustainable investing. I've been investing through Degiro for a few months now and I'm very satisfied because I don't only want to invest passively in ETF but also in individual stocks. For my girlfriend, who is not interested in investing, such a provider like Findependent or Selma is ideal. I introduced her to the different providers today and she finally chose Findependent. We wonder what the tax situation is like in Switzerland. Does Findependent issue a tax certificate, so that one can fill out the tax as easily as possible?
Thank you very much for the helpful articles and I look forward to the next Wealthletter.
Kind regards
Tino
Hello Tino,
thank you so much for your positive feedback and recommending the blog to others 🙂
The CH providers usually all issue a tax certificate, which automatically arrives in the spring at tax time. This is the case for Selma, True Wealth, Findependent and Inyova. (Unfortunately, this is not the case with Swissquote, where the statement costs CHF 100).
Your girlfriend has no trouble with a CH Robo Advisor like Findependent, but can write off the amount from the statement and give a copy of it ideally as a receipt for taxes.
Best regards and see you in the next Wealth Letter 🙂
Eric
Simply enter my code when you open your account and invest your first CHF 3,000 free of administration and custody fees - for life!
With the friendship code you can increase the fee allowance to CHF 3000.
Findependet code, enter when opening and the first 1000 Fr. without management and deposit fees!