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Every reader discount code and offer I have, in one place. Either use the code directly when you open an account, or check the website to have the discount automatically applied.
Everything at a glance
| Provider | What you get | Code |
|---|---|---|
| True Wealth | CHF 100 fee credit | INVEHERO |
| finpension | CHF 25 fee credit | HEROBB |
| findependent | First CHF 2’000 managed free | No code needed |
| Selma | Free management for a year | Applied via my link |
| Interactive Brokers | No sign-up offer, just the lowest costs I’ve found | No code |
| eToro | USD 100’000 demo account, no deposit | No code |
| Swissquote | Offers change through the year | Check via my link |
| DEGIRO | Offers change through the year | Check via my link |
| Relai | Offers change through the year | Check via my link |
| Kraken | Offers change through the year | Check via my link |
| Binance | Offers change through the year | Check via my link |
| Coinbase | Offers change through the year | Check via my link |
| Swisscard Cashback | Up to CHF 140 credit | FC4DTD7HR |
| neon | CHF 10 bonus | investinghero |
Tap a provider to jump to the detail. Codes are checked at source, most recently in September 2026.
Pillar 3a
The best tax deal most people in Switzerland get, and the two providers I hold my own 3a with. Both codes are reader-only.
A 0.00% management fee on the 3a, so you’re only paying the roughly 0.12% charged inside the ETFs. It’s the lowest total cost of any Swiss pillar 3a I’ve found, and cash you haven’t invested yet earns 0.35%.
Reader offer: CHF 100 fee credit with code INVEHERO
Flat 0.39% with the fund costs already inside it. There aren’t any transaction, custody or currency fees on top, and finpension reclaims the foreign withholding tax for you. This is the one I’d set up for someone who wants it done properly and then forgotten about.
Reader offer: CHF 25 fee credit with code HEROBBAlso valid if you’re already a finpension customer opening another product. Enter it within 24 hours and pay in at least CHF 1’000 in the first year.Robo-advisors
For investing outside your pension without picking anything yourself.
The same provider as my 3a pick, which keeps everything in one login. A portfolio of ETFs and index funds built to your risk profile and rebalanced for you, at 0.25% to 0.50% depending on how much you hold. The code works on the taxable account too.
Reader offer: CHF 100 fee credit with code INVEHERO
The first CHF 2’000 is managed free, for as long as you hold it. If you’re starting with a few hundred francs it’s the cheapest way in, though the fee advantage narrows once the balance grows.
What you get: first CHF 2’000 managed freeThis is their standard offer, open to everyone, not a reader-only code.
More expensive than True Wealth once you’re past CHF 50’000, but it handles more of the thinking for you and the onboarding is the friendliest of the lot. Worth it if the alternative is not starting at all.
Reader offer: free management for a full yearApplied automatically through my link. There’s no code to enter.Brokers and trading
For choosing your own shares and ETFs. None of these hand out a reader code, so check what’s running on their own site before you open anything.
The lowest running costs of any broker I’ve compared for a Swiss resident, especially once you’re trading foreign markets. The interface is the price you pay for that, and it puts some people off in the first week.
Every registered user gets a USD 100’000 virtual portfolio with no deposit, which is the cheapest way I know to find out whether you like trading before real money is involved. Share trades are commission-free, but there’s no CHF account, so currency conversion is where it costs you.
What you get: USD 100’000 demo account, no deposit requiredCurrent promotions change through the year and live on eToro’s own site. Worth a look before you fund anything.
The Swiss bank option, with everything that implies: a banking licence here, CHF accounts, tax statements that don’t need translating, and fees well above the foreign brokers. Some people happily pay that for the peace of mind.
What you get: no reader code, but their own offers change through the yearCheck what’s running on their site before you open.
Cheap access to global markets from Switzerland, and the one I use for individual positions. Read the fee section carefully though, because the headline pricing isn’t the whole story once connectivity charges are in.
What you get: no reader code, but their own offers change through the yearCheck what’s running on their site before you open.Crypto
Crypto is the highest-risk thing on this page and you can lose the lot. Nothing here is a recommendation to buy it.
A Swiss app that does one thing: buys bitcoin and sends it to a wallet you control. You pay more per trade than on a big exchange, and in return you’re not leaving your coins with somebody else.
One of the longer-running exchanges with a decent security record and low trading fees if you use the pro interface rather than the simple buy button.
The largest exchange by volume and the cheapest place to trade. Fine for small amounts you’re prepared to lose, not where I’d park anything serious.
The easiest one to use if you’ve never done this before, and the most expensive for it. If you’re buying once and holding, the simplicity might be worth the spread.
Banking and cards
The two everyday accounts I actually use, both with a reader code.
Two cards, no annual fee, cashback on what you spend. Useful if you want a card that pays something back without a fee quietly eating the benefit.
Reader offer: up to CHF 140 credit with code FC4DTD7HR
A Swiss account with no monthly fee and sensible foreign spending, which is what most people need from a bank. Enter the code when you open the account.
Reader offer: CHF 10 bonus with code investingheroCommon questions
Do I need a code, or is the offer automatic?
It depends on the provider. True Wealth, finpension, Swisscard and neon all need the code typed in while you’re opening the account. Selma’s free year is applied through the link itself, so there’s nothing to enter. The rest don’t run a code at all.
When do I enter the code?
During signup, usually on the last screen before you confirm the account. finpension is the strict one: enter it within 24 hours of opening and pay in at least CHF 1’000 in the first year, or the credit doesn’t land.
Can I use a code if I already have an account there?
Usually not, since these are new-customer offers. finpension is the exception, where the code also works if you’re an existing customer opening another product.
Why don’t some of these providers have a code?
Not everyone runs a reader offer. Brokers and exchanges tend to change their promotions through the year and keep them on their own site, so it’s worth a look there before you open anything.
What if a code has stopped working?
Codes get withdrawn without much warning. Tell me and I’ll pull it from the page.
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Last reviewed: September 2026. Every code on this page is checked against the provider’s own signup flow, and this page changes when the answer changes. Educational content, not financial advice.