Swissquote Erfahrungen 2025 – Ein toller Schweizer Broker
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Are you wondering if Swissquote is any good?
Swissquote is one of the most well-known Swiss brokers, and many investors use it. It has many features that make it attractive for people looking to invest in the stock market.
But is Swissquote any good? Many people are asking this question, and we have the answer. We compare Swissquote to some of its competitors to see how it stacks up.
This in-depth review answers precisely that question. We see what Swissquote is, what you can do with it, how much it costs, and much more!
By the end of this review, you will know whether Swissquote is a good broker for you!
Custody Fees | 0.10% per year |
---|---|
Inactivity Fees | 0 CHF |
Buy Swiss ETF | 5-190 CHF |
Buy American Stock | 5-190 USD |
Currency Exchange Fee | 0.95% |
Languages | English, French, German, and Italian |
Mobile Application | Yes |
Web Application | Yes |
Custodian Bank | Swissquote |
Established | 1996 |
Headquarters | Gland, Switzerland |
Swissquote
Alles, was Sie brauchen, um in den Aktienmarkt zu investieren! Eröffnen Sie ein Konto bei Swissquote und erhalten Sie 100 CHF an Handelsguthaben mit meinem Code MKT_THEPOORSWISS.
- Schweizer Broker
- Einfach zu bedienen
The Swissquote broker is part of the Swissquote Group Holding SA company. It is a Swiss banking group operating in many countries. The Swissquote broker was founded in 1996, making it a well-established company. They have 722 employees at the time of this writing.
While the group offers services in many countries, this review will focus on its services in Switzerland. This service is regulated by the Swiss Financial Market Supervisory Authority (FINMA).
Swissquote has a banking license and is listed on the stock market. Being listed requires Swissquote to disclose detailed financial reports, enhancing its transparency.
At the time of this writing, Swissquote has more than 400’000 users. It offers access to stocks, bonds, funds, Contracts For Difference (CFDs), and more. They have access to 60 stock exchanges over the world. If you are a passive investor like me, they have more features than you would ever need.
They also offer some services outside of the stock market, like the Swissquote bank account and cryptocurrencies. But I do not cover this part in this review. Instead, I want to focus on their trading features. They have separated the two features on their tools too.
So, we will delve deeper into what Swissquote offers as a broker.
Swissquote Account Types
We will delve deeper into what Swissquote offers as a broker. First, let’s explore the different account types available.
Swissquote has four different account types:
- Trading. This account is the one that interests us for this review since it offers access to trading in the stock market.
- Forex. An account for foreign exchange traders.
- Robo-Advisory. You can also use Swissquote as a Robo-advisor.
- Crypto-Assets. A special account where you can trade many cryptocurrencies.
This review focuses solely on the Trading account type. As a passive investor in the stock market, this is the only account you need.
If you hold some cash in your account, you may get a tiny interest rate. As of July 2024, you will receive 0.25% if you have more than 500’000 CHF. If you hold other currencies, you can get slighly higher interest rates.
These interest rates are not interesting and are well below the reference interest rates.
Swissquote Fees
In the long term, you need to reduce your fees. Investing fees are extremely important. Therefore, we must look at the fees of the Trading account at Swissquote.
You will pay 0.025% in custody fees for the account. This fee is charged each quarter, with a minimum fee of 20 CHF (80 CHF per year). Fortunately, there is a maximum of 50 CHF per quarter. So, the maximum fee you will pay is 200 CHF per year.
On assets above a million CHF, you will pay an extra 0.03% management fee per year. This extra fee is not negligible if you plan to retire on your investments, but it is still significantly lower than that of big Swiss brokers.
As far as Swiss brokers go, this is a reasonable fee, but it is still not negligible. This custody fee is the only fee you will pay outside of trading fees. There are no extra account management fees or inactivity fees.
We start with Exchange Traded Funds (ETFs) since they are the best instrument for passive investors in Switzerland. With most brokers, ETFs have the same trading fees as stocks since they are traded similarly.
However, with Swissquote, there is a slight difference. For some ETFs, called ETF Leaders, you will pay a flat fee of 9 CHF per trade on the Swiss Stock Exchange. If the ETF is listed in USD, you will pay 9 USD (and the same logic for GBP and EUR).
In the ETF leaders, you find many good ETFs by Vanguard, iShares, UBS, etc. So, as long as you buy your ETF on the Swiss Stock Exchange, you should be okay with the flat fee. For ETFs on other stock exchanges, the fees will be the same as for stocks.
Then, you pay a fee for each stock exchange based on the transaction value. The fees are the same for buy and sell operations. For instance, here are the fees for the Swiss Stock Exchange (SWX):
- 0 – 500: 3 CHF
- 500.01 – 1000: 5 CHF
- 1000.01 – 2000: 10 CHF
- 2000.01 – 10’000: 30 CHF
- 10’000.01 – 15’000: 55 CHF
- 15’000.01 – 25’000: 80 CHF
- 25’000.01 – 50’000: 135 CHF
- From 50’000.01: 190 CHF
And here are the fees for American stock exchanges (NYSE or Nasdaq):
- 0 – 500: 3 USD
- 500.01 – 1000: 5 USD
- 1000.01 – 2000: 10 USD
- 2000.01 – 10’000: 30 USD
- 10’000.01 – 15’000: 55 USD
- 15’000.01 – 25’000: 80 USD
- 25’000.01 – 50’000: 135 USD
- From 50’000.01: 190 USD
These fees are not cheap, especially for small transactions. For instance, if you buy 2000 CHF shares, you will pay a 1% fee! 1% is a huge fee, and you must be careful about it. But if you buy for 10’000 CHF, you will pay 0.3% in fees. 0.3% is still a considerable fee, but it is acceptable.
If you are an active trader, you may also consider their trade packages. With these packages, you buy a set of trades at a fixed price per trade and can use them for up to 12 months. If you are doing massive operations regularly or many small operations, these packages may save you money.
And when we compare Swissquote with other Swiss brokers, these fees are low.
We also have to consider the currency conversion fee. At Swissquote, you will pay 0.95% of the exchange value if you convert CHF to another common currency like EUR or USD. The fees may change if you use other, more exotic currencies.
Once again, this is a significant fee. You need to be careful about this fee. You pay this fee whenever you buy or sell an ETF in EUR or USD. Over time, this can quickly accumulate to a significant amount of money lost to fees.
Finally, the last fee we will examine is the Swiss Stamp Tax Duty fee. Since Swissquote is a Swiss broker, you must pay this fee for each stock market operation. The fee is 0.075% for Swiss shares and 0.15% for foreign shares, and it is the same for each Swiss broker.
Swissquote will provider tax statements. However, you must pay 85 CHF for a digital version and 100 CHF for a paper version. With these, you will get an e-tax statement as well. You can file your taxes without them, but then you will have to enter all operation sin the tax return instead of only scanning a barcode. So, you will have to decide between time and money on this one. I wish Swissquote would offer that for free, since it does not cost them much.
Overall, Swissquote is not cheap. Several of its fees are relatively high, mainly currency exchange and trading fees for small transactions. However, compared with other Swiss brokers, these fees are affordable. Indeed, Most Swiss brokers are even more expensive than Swissquote.
In fact, for transactions on the Swiss Stock exchange, Swissquote is among the cheapest Swiss brokers. The only place where it does not shine is for foreign currency exchange.
Opening an account at Swissquote

We will see what it takes to open an account at Swissquote.
Opening an account at Swissquote can be done entirely online. However, depending on when you call, you may have to wait until you get someone on call for the video identification, which can take a while (more than 10 minutes).
Other than that, the account opening process is very straightforward. You must give your personal information and answer questions about your financial knowledge. These are the same questions every broker will ask you—nothing surprising.
There is no minimum for opening an account. So, you can start trading with very little money. It is good, but be careful about the 80 CHF per year minimum custody fee. If you invest with very little money, this could be expensive.
If you open an account, don’t forget to use my code MKT_THEPOORSWISS to get 100 CHF in trading credits (only for Swiss residents).
So, overall, opening an account at Swissquote should be pretty straightforward.
Trading with Swissquote

Swissquote offers several options to trade stocks:
- The web interface can be directly used and has all the necessary functions.
- A mobile application on iOS and Android.
- A desktop application primarily aimed at Forex trading.
Overall, there are enough options for everybody. The web interface should work for most people. Many people will also appreciate mobile applications that let you do everything you need.
The only downside is that the web interface is a little complicated because of all the crammed features. But once you find the features you need, you should be fine with using them. If you want to invest passively, you will only need a small fraction of the features available.
Since October 2024, Swissquote supports fractional trading in stocks and ETFs. If you want to trade in fractions, you need to enable the option in your settings. Once you reach a full share, your fractional shares will be converted to a real share. This is a good feature, but you must be aware of limitations with fractional shares.
One feature that many people like is that you can register shares in your own with Swissquote. If you do that, you will be invited to the shareholder meetings and in some cases, you will receive some gifts from the company. This is something that few brokers are doing.
If you want all the details, I have a guide on how to buy an ETF on Swissquote.
Other services
While not directly related to their brokerage accounts, it is worth mentioning other services from Swissquote.
Swissquote has its Robo-advisor: Swissquote Invest Easy. It allows you to invest automatically in a portfolio chosen for you.
Swissquote also has its Swissquote Debit Mastercard. This card gets you cashback in the form of fee credits. It is quite interesting if you are a heavy user of Swissquote.
Swissquote also has other services, such as a 3a, but I have not yet reviewed them.
Is Swissquote safe?
If you invest a significant amount of money with a broker, you must ensure it is safe.
Swissquote is regulated in Switzerland by FINMA. Its other entities are also regulated in other countries.
Swissquote has been well-established since 1996 and profitable for several years, so its risks of going bankrupt are slim. But it is still important to know what would happen if your broker went bankrupt.
Since Swissquote has a banking license, your cash will be protected by Esisuisse for up to 100’000 CHF. Your securities should be fully guaranteed since they are supposed to be held in the custodian bank account in your name. It is a good level of protection.
As for technical security, you can opt for a second-factor authentication (2FA) for your account. I strongly recommend everybody to do that to improve the security of their account. I have not heard of any security issues within Swissquote, which is a good sign.
So, overall, investing with Swissquote is safe. As for investing in general, remember that investing involves risks of loss regardless of the platform.
Swissquote Reputation
Looking at a broker’s reputation before investing in the stock market is essential.
As a source of review, I always use TrustPilot. So, we look at the reviews of SQ on TrustPilot. On average, users are rating SQ at 3.2 stars, which is not a great result. So, here is what people are saying about this broker.
First, we should take a look at people complaining about the broker. We can group the complaints into several categories:
- Very long account opening. Several people had to wait several days to get their accounts opened.
- There are very high fees. This is somewhat true, but people should consider this before opening their accounts. The fees are reasonable compared with other Swiss brokers.
- Poor customer service. Many people had issues fixing their issues with customer service.
- Poor investing platform. Some investors are not satisfied with the features offered by the platform, especially on the cryptocurrency side.
Overall, I am a little worried about the reviews on the customer service and account opening. The other complaints do not worry me since they come from people who have not researched properly before opening an account at Swissquote. And we must remember that most internet comments come from unsatisfied people. So, negative comments have to be taken with a pinch of salt even though they still come from some truth.
The good point is that most reviews (36%) are rated five-star. Overall, positive reviews are saying:
- Simple to trade with the platform
- A very stable platform and company
Interestingly, positive reviews strongly focus on the platform itself and its usability. It is good that many people report that the platform is easy to use.
Overall, I would say that the user reviews of Swissquote are good but not great.
Alternatives to Swissquote
It is essential to compare a broker to its alternatives. Many brokers are available to Swiss investors. I think it is important to mention Interactive Brokers as the best alternative to Swissquote.
Swissquote vs Interactive Brokers
For transparency, it is important to mention that I do not use Swissquote.
I believe Swissquote is the best Swiss broker available. If you are looking for a Swiss broker, I would recommend them.
However, I use Interactive Brokers, a broker from the United States. So, we can compare both platforms.
Both brokers are very well-established and regulated. The protection is good on both sides, with a slight advantage for Interactive Brokers protected by U.S. SIPC.
Where everything starts to differ very strongly is in the fees.
We can start with the custody fees. Swissquote has a 200 CHF yearly custody fee for an extensive portfolio. At IB, you will pay 0 CHF in custody fees! You can save 200 CHF per year with IB. And Swissquote has an extra custody fee on assets above 1’000’000 CHF, which IB does not have.
For trading on the Swiss stock exchanges, Interactive Brokers is slightly cheaper than Swissquote, but not by a large margin. Where IB shines is in American stock exchanges. For instance, if I buy 10’000 USD of Microsoft shares, I will pay about 0.40 USD on IB (yes, 40 cents!). On Swissquote, this would cost 30 USD. In this example, IB is 75 times cheaper than Swissquote!
In addition, since IB is a foreign broker, you will not pay the Swiss Stamp tax. With IB, you save 0.075% on each Swiss operation and 0.15% on each foreign operation.
Finally, currency exchange at IB costs about 2 USD, while they cost 0.95% at Swissquote. So, unless you convert less than 200 USD, IB will be much cheaper for converting money.
So, if you are ready to use a broker that is not Swiss, you should consider Interactive Brokers. You can read my review of IB to know more. But as far as Swiss brokers go, Swissquote is excellent.
For more details, read my full comparison of Swissquote vs Interactive Brokers.
FAQ
Ist Swissquote sicher?
Swissquote ist ein etablierter Broker, der von der FINMA reguliert wird. Im Falle eines Konkurses sind Ihre Vermögenswerte separiert und werden Ihnen zur Verfügung stehen.
Können Sie mit Swissquote Währungen umrechnen?
Ja, Sie können zwischen vielen verschiedenen Währungspaaren umrechnen.
Für wen ist Swissquote geeignet?
Swissquote eignet sich für Personen, die einen etablierten Schweizer Broker mit günstigen Gebühren und vielfältigen Funktionen suchen.
Für wen ist Swissquote nicht geeignet?
Swissquote eignet sich aufgrund der hohen Umrechnungsgebühren nicht für Personen, die häufig in Fremdwährungen handeln.
Gibt es eine mobile App für Swissquote?
Ja, Swissquote verfügt über eine mobile App, die sowohl für iOS als auch für Android verfügbar ist und den Zugang zum Handel und zur Kontoverwaltung von unterwegs aus ermöglicht.
Bietet Swissquote Kundenbetreuung an?
Ja, Swissquote bietet Kundenbetreuung per Telefon, E-Mail und Live-Chat während der Geschäftszeiten.
Ist es möglich, Schweizer Aktien bei Swissquote zu registrieren?
Ja, Swissquote ermöglicht es Ihnen, Schweizer Aktien auf Ihren Namen zu registrieren.
Swissquote Zusammenfassung
Swissquote

Swissquote ist ein guter Schweizer Broker. Sie hat ausgezeichnete Gebühren und einen guten Ruf. Es bietet Ihnen alle erforderlichen Funktionen, um mit dem Investieren zu beginnen.
Pruduktmarke: Swissquote
4.5
Vorteile
- Günstig im Vergleich zu anderen Schweizer Brokern
- Relativ schnelle Kontoeröffnung
- Eine sehr breite Palette von Investitionen
- Langjährige Erfahrung
- Gut eingeführtes Unternehmen
- Gute Sicherheit
- Einfach zu bedienen
- Unterstützung für den fraktionierten Handel
- Möglichkeit zur Registrierung Schweizer Aktien
Nachteile
- Teure Umtauschgebühren
- Teuer im Vergleich zu ausländischen Brokern
- Die Videoidentifizierung kann eine Weile dauern
Schlussfolgerung
Alles, was Sie brauchen, um in den Aktienmarkt zu investieren! Eröffnen Sie ein Konto bei Swissquote und erhalten Sie 100 CHF an Handelsguthaben mit meinem Code MKT_THEPOORSWISS.
- Schweizer Broker
- Einfach zu bedienen
Insgesamt ist Swissquote ein guter, etablierter und günstiger Schweizer Broker. Sie bieten Zugang zu vielen Börsenplätzen und zahlreichen Anlageinstrumenten. Und sie vergleichen sich gut mit anderen Schweizer Brokern.
Swissquote ist der beste Schweizer Broker. Wenn Sie bei einem Schweizer Broker investieren wollen, empfehle ich Ihnen Swissquote. Swissquote ist eine hervorragende Plattform, um Ihr Geld an der Börse zu vermehren.
Wenn Sie bei der Eröffnung eines Kontos meinen Code MKT_THEPOORSWISS verwenden, erhalten Sie 100 CHF an Handelsguthaben. Sie sparen also 100 CHF an Gebühren! Dieser Code ist jedoch nur für Personen mit Wohnsitz in der Schweiz gültig.
Wenn Sie sich insbesondere für Schweizer Broker interessieren, habe ich die besten Broker verglichen. Dieser Artikel soll Ihnen die Wahl erleichtern, aber Sie müssen die Kostenunterschiede zwischen Schweizer und ausländischen Brokern kennen.
Wenn Sie auch ausländische Broker in Betracht ziehen, empfehle ich Interactive Brokers als den besten Broker für Schweizer Anleger. Dies ist mein primärer Broker (mein sekundärer Broker ist Saxo). Gegenwärtig nutze ich Swissquote als Broker für meine GmbH.
Was ist mit Ihnen? Was halten Sie von Swissquote?
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Hallo Baptiste
Vielen Dank für den gut recherchierten Artikel. Ich schätze deine Arbeit und die Analysen sehr.
Ich habe eine Überlegung zur Sicherheit. Swissquote und Interactive Brokers haben beide die Zweifaktorauthentifizierung im einer App (zusammen mit dem Mobilebanking) zusammengefasst. Ist es nicht sicherer, diese beiden Funktionen in zwei separaten Apps zu führen (zum Beispiel wie bei UBS mit der Access App)?
Besten Dank für deine Bemühungen.
Viele Grüsse
Nico
Hallo Nico
Vielen Dank, es freut mich, dass dir der Blog gefällt!
Das ist eine berechtigte Frage. Solange die Apps sicher sind, sehe ich darin kein grosses Problem. Beim Login am Computer benötigt man ja trotzdem einen Benutzernamen und ein Passwort sowie einen zweiten Faktor. Wichtig ist dabei, dass dieser zweite Faktor nicht aus Benutzername und Passwort ableitbar ist – also wirklich ein zweiter, unabhängiger Faktor.
Das einzige Risiko besteht, wenn die App nicht ausreichend sicher ist oder keine guten Standards einhält. Ich denke aber nicht, dass das bei IBKR oder Swissquote der Fall ist.
Es ist auch erwähnenswert, dass man bei IB auch eine normale TOTP-Authenticator-App verwenden kann – das mache ich in der Regel.