Fees and costs

You pay a yearly management fee between 0.8% and 1.2% of your invested assets.

This fee covers the following:

• The professional management of your portfolio
• All transaction costs and custody fees
• The use of our app with all its functions, including educational content and support
• Tax certificate
• Other providers charge up to 0.5% foreign currency surcharges, with arvy these are included

Yes. We have a referral program for our Savings plan. Each successful referral permanently lowers your management fee by 0.1% - down to as little as 0.8%. You just need to share your referral code with a friend. When your friend invest at least CHF 500, your annual fee drops by 0.1%

They are the fees charged by the funds or ETFs used in your portfolio. Depending on your profile, these range from ~0.15% to ~0.24% per year.

Stamp duty is a Swiss transaction tax and is payable on the purchase and sale of securities. Your actual cost depends on your risk profile. For Growth profile - Stamp duty is 0,00%. for Balanced profile - Stamp duty is 0,057%, for Defensive profile - Stamp duty is 0,102%.

For domestic securities, stamp duty is 0,075% of the transaction amount, while foreign products are subject to 0,15%.

No. Depositing and withdrawing money is completely free.

There is no minimum fee. You can start with CHF 100 and add as little as CHF 50 to your savings plan.

• Management fee: deducted monthly and calculated based on the investment amount
• Product costs: built into the funds/ETFs.
• Stamp duty: applied at each transaction.

Yes. Product costs may drop as assets grow, stamp duty varies by profile, and referrals lower your management fee.

We are cheaper than traditional banks, which often charge fees of up to 2-3% – often hidden in transactions or fund products. At the same time, we offer you more service and expertise than pure robo-advisors, who often only offer passive strategies without any added value.

No. All costs are clearly disclosed. There are no hidden fees, penalties, or extra charges.