Account opening and requirements

Download the app (App Store/ Google Play), register with your email, answer a short goals/risk questionnaire, and scan your ID/passport. Verification by our partner bank typically takes ~2 business days, after you can start investing. Our Pillar 3a can currently be opened on the website and will be intergrated into the mobile application in the course of this year.

People domiciled and taxable in Switzerland, 18+, with a Swiss mobile number. For regular investing you also need a Swiss bank account.

A valid ID or passport. For Pillar 3a, you’ll additionally need your AHV number (on your health insurance card for example).

For our Savings plan, the initial deposit is CHF 100; afterwards you can top up flexibly from CHF 50/month . There is no minimum for Pillar 3a plan. The maximum amount you can invest in Pillar 3a plan for the year 2025 is CHF 7,258.

Yes. US citizens and companies cannot open an account for regulatory reasons.

You will get a personal account at our partner bank, Hypothekarbank Lenzburg (HBL), where your money and your investments are optimally protected. Your deposits benefit from deposit protection of up to CHF 100,000.which means that in the event of arvy or the bank going bankrupt, the liquidity portion of your investment solution is protected up to this amount. Your investments remain legally yours even if arvy or the bank goes bankrupt. You transfer the money you want to invest into your HBL account. You can find the relevant account details in the app in the profile section. All transactions for buying and selling your investments are then carried out from this account.

Not yet, third-party/children’s accounts aren’t available right now. But we are working on our new investment plan Children’s plan, which is coming soon to our mobile application.

For our Savings plan, it takes less than 10 minutes to open an account via the app. Verification usually takes 2 working days, after which you’ll receive an SMS with your IBAN and can start investing immediately.

Opening a Pillar 3a account also takes about 10 minutes, with all details sent by e-mail.

Yes, if you’re legally residing in Switzerland. You’ll typically need a valid Swiss residence permit in addition to your passport for verification. If you want to open Pillar 3a account, you will also need you AHV number (on your health insurance card for example).

Ensure your ID photos are clear, unexpired, and match your personal details exactly (name, address). Try again in good lighting; if it still fails, contact us and we’ll review your case.