Investing with Swissquote Invest Easy: Review of the Automated Investment Solution (2026)

[Update – 28.08.2026: new scoring matrix + ratings]

Swissquote is first and foremost a broker: you choose your stocks, ETFs, or cryptocurrencies and place your own orders. Invest Easy lets you take the opposite path without leaving the Swissquote universe. You choose a strategy, then the bank manages the portfolio.

Other Swiss solutions more clearly separate these two ways of investing:

• Descartes entrusts the portfolio to an independent wealth manager and allows you to start from CHF 10.
• Selma builds an allocation based on your financial situation and lets you interact with its team.
• VIAC Invest and finpension Invest cost less and give you more freedom in choosing funds.
• Alpian combines portfolio management with wealth advisory.

Invest Easy combines a classic trading interface and an automated management option, without strict separation between the two uses.

I followed the entire Invest Easy journey, from choosing a strategy to activating Crypto Boost, to determine what this formula truly offers and what it sacrifices in return.

You choose a strategy, not your securities

The process begins with a few questions about the amount and origin of funds. Then comes the choice of a strategy: Prudent, Balanced, Ambitious, or Audacious. No individual securities to choose, no custom allocation: personalization stops at the strategy itself.

You do not directly hold any ETFs. Swissquote replicates each strategy via its own “tracker certificates,” whose risk I explain later in this review.

VIAC and finpension allow you to adjust the allocation between dozens of ETFs yourself. Alpian does not offer more freedom in investments but adds support via video or chat to refine your strategy.

CHF 500 to start

You can start investing from CHF 500 (in Swiss francs, euros, dollars, or pounds).

This threshold is right between two other robo-advisors:

• Descartes starts from CHF 10, and VIAC or finpension from only CHF 1.
• Selma and Alpian start with at least CHF 2,000.

To use Invest Easy, you must first open a Swissquote account via the mobile app or website. It takes a few minutes.

Swissquote requires a valid ID card or passport, proof of address less than 6 months old, and a mobile phone with a camera. You also need to provide your tax residence and professional situation before verifying your identity and signing the contract.

The first deposit must be made from a bank account in the same name. Swissquote does not accept Wise accounts for this step. If you live in Switzerland, Swissquote does not require a minimum deposit to open the account, but you must then deposit at least CHF 500 to activate Invest Easy. If you live in the Eurozone, Swissquote requires a first deposit of at least EUR 500 from an account located in your country of residence.

Swissquote confirms activation by email. The form itself is quick, but account access still depends on this validation.

Once the account is open, you can activate Invest Easy in a few steps:

• Go to the “Plan” section.
• Select “Invest Easy.”
• Choose one of the four proposed strategies.
• Answer a few questions about the amount and origin of funds.
• Deposit a minimum of CHF 500, in Swiss francs, euros, dollars, or pounds.

Swissquote places the deposit in the chosen strategy on the next business day. The bank applies a strategy change within two business days.

In Invest Easy, you adjust a single slider from most prudent to most audacious.

There are four profiles that vary according to the proportion of stocks, bonds, real estate, and commodities:

The Ambitious strategy promises global exposure, but the UBS Core SPI ETF still represents 27.4% of the portfolio. This weighting significantly exceeds Switzerland’s weight in the global stock market and reduces geographical diversification.

Swissquote automatically invests available funds and reinvests dividends and interest received. Its committee reviews the composition of strategies quarterly and applies changes if deemed necessary.

Crypto Boost can be quite aggressive; the option allocates up to 25% Bitcoin for each amount invested.

You can activate or deactivate Crypto Boost at any time from the Invest Easy dashboard. When activated, Swissquote buys the position and charges a 1% trading fee on the amount concerned. When deactivated, Swissquote sells the position and charges 1% again.

Swissquote generally does not rebalance the Crypto Boost position afterward. If Bitcoin rises, its weight can therefore exceed 25% of the total assets. This mechanism goes much further than the percentages announced by competitors: Descartes and PostFinance go up to 5%, Selma also from CHF 7,500 invested. Alpian goes up to 10%.

Crypto Boost is the most flexible choice for gaining strong exposure to Bitcoin and accepting to monitor its weight. For a smaller allocation, Descartes or Selma (for example) offer a more predictable framework.

Invest Easy combines an automated strategy and an adjustable Bitcoin position with each new deposit.

Swissquote Invest Easy is the most obvious choice if:

• You already use Swissquote or want to group trading and automated management in one place.
• You want to add up to 25% Bitcoin to your deposits.
• You prefer a ready-to-use strategy rather than choosing your own funds.
• You have CHF 500 to start.

Swissquote Invest Easy is a less suitable choice if:

• You want to hold ETFs directly, without relying on a claim against Swissquote, a point discussed further in this review.
• You prefer a low and automatically rebalanced Bitcoin allocation.
• You are looking for dedicated advice from account opening, like with Alpian.

Invest Easy does not offer any ESG strategy. Swissquote reserves this label for another offering, 3a Easy, for the third pillar.

The Prudent and Balanced strategies contain an ESG bond fund. However, other investments are not selected according to environmental or social criteria. Invest Easy is therefore not a sustainable offering.

To filter yourself according to ESG criteria, Swissquote offers a separate tool, the ESG Screener, unrelated to Invest Easy.

Invest Easy’s recurring annual fees range from 0.69% to 0.79% depending on the chosen strategy. Swissquote charges 0.60% management fees on all four strategies, plus a product cost of 0.19% for Prudent and Balanced, 0.14% for Ambitious, and 0.09% for Audacious.

Swissquote includes transactions, deposits, and tax statements in the offer. Trading fees are not included. If you deposit Swiss francs, Swissquote charges no exchange fees. With another currency, the bank converts the deposit into Swiss francs and charges 0.95%.

To compare fees, you need to check what the percentage includes. With VIAC and Alpian, fund costs are added to the indicated price:

🎯 Swissquote is more expensive than VIAC or finpension without adding individual advice. This difference is mainly justified if you want to combine trading and automated management in the same account rather than minimizing fees.

Invest Easy does not include individual advice: you choose your strategy yourself based on your risk profile.

For comparison, Descartes gives access to its team via chat, phone, or by appointment, without a dedicated advisor. Selma responds via chat and email and allows you to book a call. Alpian goes further with unlimited video or chat consultations on its Signature tier.

VIAC and finpension also do not include individual advice. For self-management, these three offers follow the same logic. To interact with a person, Descartes and Selma offer occasional contact, while Alpian provides the most comprehensive support.

A final look to position Swissquote Invest Easy against the five other solutions already mentioned in this review:

🎯 The table doesn’t tell the whole story: as a reminder (and it’s important to consider) Swissquote generally does not rebalance Crypto Boost after purchase. The position can exceed 25% of assets if Bitcoin rises.

This flexibility therefore requires more monitoring than a crypto allocation announced at a lower level. Crypto Boost goes further initially, but its weight can then evolve without automatically returning to 25%.

In the event of Swissquote’s bankruptcy, cash and invested money do not have the same protection.

Swissquote Bank Ltd is a bank authorized and supervised by FINMA. The Swiss deposit guarantee scheme covers the cash portion up to CHF 100,000 per client within the limits provided by this mechanism.

The invested portion does not have this protection. With Invest Easy, you do not directly hold any ETFs: Swissquote itself issues the certificates that replicate each strategy, which are debt instruments, not securities that you would hold directly. Directly held securities are generally separated from the broker’s bankruptcy estate. A tracker certificate does not have this status: it is an ordinary claim against Swissquote, reimbursed after priority creditors in the event of bankruptcy.

Swissquote Invest Easy delivers on its promise: automated management integrated into the broker’s account with a crypto position that none of the compared offerings provide in this systematic investment format.

This convenience comes with a price and a limit. The price: between 0.69% and 0.79% per year, more expensive than VIAC or finpension. The limit: tracker certificates rather than direct ETFs, a weaker legal status in case of bankruptcy.

If you really want to summarize, there are three criteria to decide on:

• Invest Easy costs a bit more, but avoids opening another account if you already use Swissquote.
• Crypto Boost directs up to 25% of each new deposit to Bitcoin, but its weight can then increase without rebalancing.
• Automated management simplifies monitoring, but certificates expose you to Swissquote’s credit risk.

Also read

• Beginner’s guide to investing in the stock market in Switzerland in 2026
• Review and test of Selma investment (robo-advisor)
• True Wealth investment review and test (robo-advisor)
• Review and Test of Yuh Investment Trading
• Review and Test of Alpian Investment Trading
• Review and Test of Yuh Investment Trading
• Review and test of Neon Investment Trading

• Does Invest Easy truly simplify the monitoring of your investments?
• What do you think of tracker certificates instead of directly held ETFs?
• Have you activated Crypto Boost, and how do you manage its weight in the portfolio?

Share your feedback with all Neo’s friends 😈