The best financial services for your money!

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(Disclosure: Some of the links below may be affiliate links)

Here are some recommendations for the products I use and like. I know that many of these services can be helpful to you too! These are only services I use or services I would use myself.


To invest your assets directly yourself, you will need a broker account. If you want a Swiss broker, I recommend Swissquote. For foreign brokers, I recommend Interactive Brokers. I have more recommendations for you on my Investing Recommendations page.


Best App to Pay, Save and Invest

All the services you need to pay, save and invest, in a neat package, with extremely good prices!

Use the poorswiss code to receive 30 CHF in trading credits and your card for free!

  • Pay abroad for free
  • Invest with great fees
Use the poorswiss code Read my review

Everybody needs a bank account! But there is no need to pay expensive fees for this account. You can have a free account with Neon. Neon is a good digital account I would currently recommend to everybody. To learn more about this great bank account, read my review of Neon.

For more information on banks, learn about the Best Swiss Banks.


Best Third Pillar!
Finpension 3a
Very low fees

Finpension 3a is the best third pillar in Switzerland.

Use the FEYKV5 code to get a fee credit of 25 CHF*!

*(if you deposit 1000 CHF in the first 12 months)

  • Invest 99% in stocks
Grow your 3a with FEYKV5 code Read my review

The easiest way to start investing is to invest the money from your third pillar. Since the money is blocked for many years, they are great for long-term investing. For this, I am using Finpension 3a. I have more recommendations for you on my Investing Recommendations page.


Robo-Advisors are a great way to invest if you are not ready (or not wanting) to invest by yourself. You will pay more fees each year, but you will save a ton of time, and this beats not investing.

Perfect to get started
Selma Robo Advisor
Great Robo-Advisor

Invest easily with Selma: a great way to invest in the stock market without the hassle of doing it yourself.

  • Beginner-Friendly
  • Degressive Fees
Invest easily Read my review

Selma is a great Robo-advisor to get started investing, even with low amounts. They have very reasonable fees. You can read more about it in my review of Selma.

Cheapest Swiss Robo-Advisor
TrueWealth Robo-Advisor
Very affordable

TrueWealth is an excellent Swiss Robo-advisor with very affordable prices, making it the best Robo-advisor for serious investors.

  • Very customizable
jetzt investieren Read my review
By using this link, you will pay only 0.25% fees for a year!

If you already know about investing (even a little), you may want to look at True Wealth. They have outstanding fees and allow you to invest very aggressively and with great control. Read more on my review of True Wealth.

Side hustles


Ampuls is a great online survey platform where you can answer surveys to make some extra money!

Earn money now!

One simple to get some extra money is to answer surveys online. For that, I recommend using Ampuls. They are the best services I have found, and I have used them to generate several hundreds of CHF. For more details, I have an article about more options for online surveys.

Credit Cards

Best Swiss credit card
Certo! One Mastercard
No monthly fee

A great Swiss credit card with excellent cashback (up to 1%!), very flexible, and with a good mobile application.

  • No yearly fee
  • 1% cashback in three shops
Order now My Review

Using a good credit card is important. You should use a credit card without an annual fee. On top of that, you should then try to maximize your cash back. Currently, the best credit card is the Certo One credit card. You can read my article about the best credit cards in Switzerland.

Financial Independence Coaching

Financial Independence Coaching
1:1 Coaching

You are looking for financial independence or just achieved it, or living it?

Make the most of each phase with support from Dror, a certified professional coach (having been through all the phases).

Get your first session for free!
Tell Dror you come from The Poor Swiss to get the first 45 minutes session for free!

If you are going through the journey of Financial Independence or if you have some strong professional goals, coaching may be interesting for you. Dror Allouche is a professional certified coach, and he helped many people. If you are looking for coaching, I can strongly recommend him as a coach. Tell him you come from this blog, and get the first 45-minute session for free!

For more information on Dror, you can read either the first interview I did with him when he retired early or the second interview when he started coaching.