Best Robo-Advisors in Switzerland (2026)

Switzerland offers various robo-advisors that provide automated, algorithm-based portfolio management, making it convenient and cost-effective for individuals to start investing without constant oversight. 

However, with a wide array of Robo-advisors available, it can be challenging to determine the best fit for your needs. That's where Robo-Advisor Finder comes in.

At Robo-Advisor Finder, we follow over 80 Robo-advisors worldwide, of which more than 15 offer their services to investors from Switzerland. That's a lot to check, right? 

In this article, we'll make it easier for you by mentioning the best Robo-advisors in Switzerland and why we think they are among the best-automated wealth management platforms.

Here’s a quick list of the top Robo-advisors in Switzerland:

1. finpension: Best overall for low-cost Pillar 3a investing.
2. VIAC: Best free, no-minimum Pillar 3a app.
3. Selma: Best for personalized portfolios with financial coaching.
4. TrueWealth: Best for transparent, low-cost ETF portfolios (incl. Pillar 3a).
5. Descartes: Best Swiss robo-advisor with personal advice.
6. Simplewealth: Best for high-net-worth individuals.
7. findependent: Best for socially responsible investing.
8. eToro: Optional international Smart Portfolios option (not a Swiss Pillar 3a provider).

Best Robo-advisors in Switzerland

If you're an investor living in Switzerland, there are a few things you should keep in mind when choosing a Robo-advisor:

• Competitive pricing: You want to make sure you're getting a good deal on your investment management. Management fees above 1% are considered expensive;
• Access to Pillar 3: choosing a platform that allows you to contribute for an additional pension provision is usually important for most Swiss investors;
• Low minimum deposit requirements: Some Robo-advisors have high minimum deposit requirements, so make sure you find one that fits your budget.
• The ability to customize investment portfolios: Not everyone has the same investment goals, so you want to make sure you can tailor your portfolio to your needs.
• Regulation: all robo-advisors must be regulated by top-tier regulators like the Swiss Financial Market Supervisory Authority (FINMA)

To list the best Robo-advisors in Switzerland, we've checked different platforms and evaluated their main characteristics. Here are the results of our deep-dive research.

1. finpension

• Management fees: 0.39% per year (including ETF costs)
• Minimum deposit: CHF 1,000
• ETF fees: 0.08% to 0.10%
• Pilar 3: Yes
• Regulation: FINMA

finpension is tailored toward investors who want to manage their retirement savings effectively. With one of the lowest fee structures in the Swiss market, finpension focuses on long-term investing through ETF portfolios. It’s specially designed for retirement account holders (pillar 3a).

With very low fees of 0.39% annually, finpension offers one of the most cost-effective solutions for managing pension assets.

Regarding investment strategies, finpension offers a portfolio of stocks and bonds:

• finpension Equity 0: 100% in bonds
• finpension Equity 20: 20% in equities and 80% in bonds
• finpension Equity 40: 40% in equities and 60% in bonds
• finpension Equity 60: 60% in equities and 40% in bonds
• finpension Equity 80: 80% in equities and 20% in bonds
• finpension Equity 100: 100% in equities

The platform allows users to choose between fully automated or customized portfolios, primarily composed of ETFs. Investors can decide their asset allocation, from conservative to aggressive, ensuring alignment with their personal risk tolerance and long-term goals. finpension's pillar 3a portfolios offer tax advantages, as contributions up to a certain amount are tax-deductible in Switzerland.

finpension is licensed as an account-holding securities firm and is directly subject to the Swiss Financial Market Supervisory Authority FINMA. Assets are held securely with reputable Swiss custodian banks, and the platform complies with stringent Swiss regulations.

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2. VIAC

• Management fees: Administration fee 0.52% per year, capped at 0.40% (all-in under ~0.43%)
• Minimum deposit: None (no minimum deposit, fee or term)
• ETF fees: Included in the all-in fee (some index/real-estate funds at 0.00% TER)
• Pilar 3: Yes
• Regulation: FINMA (securities held with WIR Bank; Terzo Vorsorgestiftung)

VIAC is one of the leading digital Pillar 3a and vested-benefits platforms in Switzerland, and it has become a benchmark for low-cost retirement saving. It is a fully digital, app-based service that lets you invest your 3a savings in broadly diversified index funds and ETFs, with strategies ranging from a simple interest-bearing account up to 99% in equities.

The all-in cost for a fully invested strategy is less than ~0.43% per year: an administration fee of 0.52% that is capped at a maximum of 0.40%, plus a small currency-exchange cost. There are no custody fees and no charge for changing your strategy, and there is no minimum deposit, minimum fee or minimum term, which makes it very accessible for people just starting to build their third pillar.

VIAC is strongly Swiss-anchored: your money is held at the Terzo Pension Foundation of WIR Bank, a purely Swiss cooperative bank, and securities are deposited with WIR Bank, which is supervised by FINMA. VIAC also offers a free, low-cost taxable investing option (VIAC Invest) alongside its 3a and vested-benefits products, so you can keep your retirement and free assets on one platform.

On the downside, VIAC is primarily a pension-focused app, so investors looking for extensive human financial coaching or highly bespoke, actively managed mandates may prefer an advice-led provider.

3. Selma

• Management fees: Up to 0.68% per year (all-inclusive)
• Minimum deposit: CHF 2,000
• ETF fees: No information available
• Pilar 3: Yes
• Regulation: FINMA

Selma is an accessible robo-advisor focused on personalization. It starts with a simple questionnaire that assesses your financial goals, and then builds a portfolio tailored to your risk tolerance and preferences. The objective is to get a globally diversified portfolio that is tailored to your unique needs.

The management fee is 0.68% per year for investments below CHF 50,000. It can be reduced to 0.42% for investments over CHF 500,000.

Selma rebalances your investments whenever a fund in your portfolio has moved away more than 1.5 percentage points (or CHF 2,500) from its desired level. This ensures that your portfolio always stays close to your optimal strategy.

The minimum deposit is CHF 2,000 or CHF 500 if you get the pillar 3a investments set up. Plus, you receive your annual tax report to help declare your taxes with the Swiss fiscal authority.

On the downside, the portfolios’ composition is not clear before joining the platform. As a user, you must first sign up to access the portfolios.

Furthermore, Selma is still a very recent company. It has been raising funds from individual investors and VCs, so its future is quite uncertain. While it has exciting plans ahead, the company's track record is limited compared to other providers.

4. TrueWealth

• Management fees: Up to 0.50% per year (including all fund costs)
• Minimum deposit: CHF 8,500
• ETF fees: 0.02% to 0.14%
• Pilar 3: Yes
• Regulation: FINMA

TrueWealth is one of the most cost-effective robo-advisors in Switzerland. Offering a completely digital experience, it provides personalized portfolio management through globally diversified ETF portfolios. 

TrueWealth's fees are very transparent. The management fees start at 0.50% per year. However, for amounts over CHF 500,000, this fee is reduced to 0.25%. There are no custody fees, withdrawal fees, transaction costs, or costs associated with the annual tax report. 

In addition, investment portfolios (including sustainable ones) are well-segregated in terms of asset classes, namely, cash, bonds, REITs, natural resources (commodities), and equities. Your exposure to each will depend on your risk tolerance, from conservative to aggressive:

• Conservative (low risk): a minimum bond investment of ~60% and a maximum equity investment of ~30%;
• Balanced (moderate risk): a minimum bond investment of ~30% and a maximum equity investment of ~60%;
• Agressive (higher risk): a maximum equity investment of ~86%, 13% in REITs and the remaining 1% in cash;

The minimum deposit for a True Wealth portfolio is CHF 8'500. However, for Pillar 3a, the minimum investment is CHF 1'000.

On the negative side, there is no live support and the minimum deposit may be considered too high for certain people.

5. Descartes

• Management fees: ~0.6%–0.8% all-in (e.g. Pillar 3a: ~0.2% management + ~0.6% fund TER)
• Minimum deposit: Low (no high entry barrier for 3a)
• ETF fees: Included in the all-in fee (~0.6% TER)
• Pilar 3: Yes (up to 5 separate 3a accounts)
• Regulation: FINMA-licensed (strategies run by OLZ; custodian Lienhardt & Partner, Zurich)

Descartes Finance is a Swiss robo-advisor that sits between a purely automated service and a traditional advisory relationship. It combines a digital onboarding experience with access to personal investment advice, and it is frequently cited as one of the best Swiss robo-advisors in the “with advice” category thanks to its combination of personal guidance and competitive overall costs.

Descartes offers a broad range of investment strategies — including an equal-weighting approach designed to reduce concentration risk, sustainable options, and even a Bitcoin strategy. For Pillar 3a, all-in costs are roughly 0.6%–0.8% per year (around 0.2% management plus the underlying fund TER of about 0.6%), and you can run up to five separate 3a accounts for staggered withdrawals.

Like the other credible Swiss picks, Descartes is firmly within the Swiss regulatory perimeter: the investment strategies are implemented in the background by OLZ, a FINMA-licensed asset manager, and the private bank Lienhardt & Partner in Zurich acts as the custodian bank. This makes it a solid choice for investors who want a Swiss-regulated, advice-led 3a and investment solution rather than a pure self-service app.

6. Simplewealth

• Management fees: Up to 0.50% per year
• Minimum deposit: CHF 5,000
• ETF fees: No information available
• Pilar 3: No
• Regulation: FINMA

Simplewealth is a Swiss robo-advisor that offers an approachable, flexible robo-advisor that allows investors to create customized portfolios based on their specific needs. Whether you're saving for retirement or other goals, the platform provides diversified investment options, including sustainable portfolios that focus on socially responsible investing. 

It focuses on investing in globally diversified ETFs, building portfolios based on the investor’s risk profile and goals. One of its standout features is the ability to invest in socially responsible ETFs. Simplewealth uses Interactive Brokers (IB), which provides its custody services, platform, and functionality.

It charges a 0.50% annual custody fee for amounts lower than CHF 1,000,000, which is relatively competitive among Swiss robo-advisors. In addition, unlike other robo-advisors in Switzerland, Simplewealth does not charge the Swiss stamp duty fee due to its partnership with IB.

Regarding investment strategy, Simplewealth offers a portfolio of stocks, high-yield bonds, and cash, but there is a lack of transparency around the ETF choices.

Regarding security, Simplewealth uses Interactive Brokers to hold and manage client funds, which provides protection through various international safeguards, including SIPC (covering up to 500,000 USD). While the platform follows Swiss data protection regulations, storing assets outside Switzerland could be a consideration for those who prefer local security. 

Finally, if you make more than one monthly withdrawal, Interactive Brokers may charge an additional fee.

7. findependent

• Management fees: Up to 0.40% per year
• Minimum deposit: CHF 500
• ETF fees: No information available
• Pilar 3: No
• Regulation: FINMA

findependent is a Swiss robo-advisor designed for beginner and experienced investors seeking an affordable and flexible way to manage their wealth. With a low minimum investment of CHF 500, it offers easy access to globally diversified sustainable ETF portfolios. The platform's core mission is to simplify investing, offering a transparent, all-inclusive annual fee of 0.29%–0.40%, with no hidden transaction or withdrawal fees.

Investors can choose from a range of predefined portfolios or create a custom portfolio based on their risk tolerance and financial goals. Sustainability-focused options are available, making the service appealing to those looking for ethical investment strategies. 

Users have full control over their investments, with the ability to monitor and adjust their portfolios as they see fit, while benefiting from automatic rebalancing to ensure long-term alignment with their goals. The service is designed to be fully transparent, providing clear information on the costs and components of the investment portfolios, helping investors understand exactly where their money is going.

Regarding investment solutions, findependent offers a portfolio of several asset classes with the following risk profiles::

• Careful: 60% in bonds, 20% in equities, 10% in real estate, 10% in commodites, 2% in cash
• Cautious: 43% in bonds, 40% in equities, 10% in real estate, 5% in commodites, 2% in cash
• Balanced: 28% in bonds, 60% in equities, 10% in real estate, 0% in commodites, 2% in cash
• Brave: 8% in bonds, 80% in equities, 10% in real estate, 0% in commodites, 2% in cash
• Risky: 98% in equities, and 2% in cash

For security and asset management, findependent partners with Hypothekarbank Lenzburg, ensuring that customer funds are held securely under Swiss regulations. Plus, Findependent AG is authorised as an asset manager by the Swiss Financial Market Supervisory Authority FINMA.

8. eToro

• Management fees: 0% (other fees apply)
• Minimum deposit: $50 to open an account; $500 to invest in Smart Portfolios
• ETF fees: Not applicable
• Pilar 3: No
• Regulation: FCA, CySEC, ASIC

A note on eToro: unlike the providers above, eToro is an international social-investing platform — not a Swiss Pillar 3a provider, and it is not regulated by FINMA (it is overseen by the FCA, CySEC and ASIC). It cannot be used for Swiss retirement (3a) saving. We include it here only as an optional international alternative for investors who specifically want eToro’s Smart Portfolios and social-trading features.

eToro is a multi-asset brokerage and social tradingplatform that was founded in 2007. It has become a leading online platform forsocial investing and trading in a wide range of financial assets, including equities, cryptocurrencies, commodities, Forex, and others.

eToro offers Smart Portfolios, acutting-edge and automated way for investors to diversify their portfolios andgain exposure to major market trends. These ready-made portfolios are created by eToro analysts and innovative investment startups. There are over 80 Smart Portfolios covering a range of top market themes, trends, and industries, including disruptive technologies, the 5G revolution, renewable energy, themetaverse, and more.

These unique investment strategies provide investors with a convenient and diversified way to invest without incurring portfoliomanagement fees. However, you must choose which Smart Portfolio isright for you, as there is no algorithm to recommend the best one for yourprofile. To do this, follow these three steps:

1. Choose a theme: Select a market theme or trend that aligns with your investment beliefs and vision.
2. Select a Smart Portfolio: Explore the range of Smart Portfolios available and select the one that suits your investment goals and preferences.

Start investing: Most Smart Portfolios require aminimum investment of $500.

Want to know more about eToro Smart Portfolios and its pros and cons? Check it out in our in-depth review, and visit eToro’s page directly.

Best robo-advisors in Switzerland (Compared)

Conclusion

Switzerland’s robo-advisory platforms offer a wide range of options for investors, from those seeking personalized portfolios to individuals looking for cost-effective, retirement-focused solutions. For most Swiss investors, the key question is whether a platform supports Pillar 3a and is regulated by FINMA — which is why credible Swiss providers like finpension and VIAC lead our list.

Depending on your goals and experience level, platforms like finpension, VIAC, Selma, TrueWealth, Descartes, Simplewealth and findependent provide tailored, FINMA-regulated services to help you manage your investments — including for retirement — efficiently. eToro remains an option only for those who specifically want an international social-investing platform, but it is not a Swiss Pillar 3a provider.

Want to broaden your search beyond Switzerland? See our guide to the best robo-advisors in Europe. And if you’re curious specifically about eToro, read our eToro Smart Portfolios review.