findependent Reviews & Ratings November 2026
findependent reviews: the verdict
Reviewers give findependent high marks with an overall rating of 4.6/5 based on 397 reviews. Customers praise the ordering process and website as simple and clear with 68 mentions and 88% positive feedback. Value for money is a key strength with 55 mentions and 98% positive comments about low fees and cost efficiency. Quality and customer service have mostly positive reviews with 79% and 88% satisfaction respectively. Some users are dissatisfied with product or service quality with 21% of mentions showing concern.
Key findings
- Across 397 reviews on 3 portals, the recency-weighted average is 4.6 out of 5.
- The last 12 months average 4.5 out of 5 from 103 reviews (-0.1).
- Value for money is the most positively rated theme: 98% of 55 mentions are positive.
Derived from the analyzed reviews; each chip links to the page with the cited evidence.
397 reviews · 3 portals · 2020-06 – 2026-10 · Methodology ↗ · Verify a quote ↗
What changed in October 2026
In October 2026, 10 new reviews were analyzed; the average rating moved from 4.0 to 4.8 stars.
- New reviews
- 10
- Average rating
- 4.8/5 (4.0 ↑)
- Positive share
- 90% (46% ↑)
Most-discussed themes
- Quality — -9 vs prior month
- Value for money — +2 vs prior month
- Customer service — -1 vs prior month
- Delivery — +2 vs prior month
- Communication — -2 vs prior month
findependent rating trend and sentiment
Months with fewer than 5 rated reviews are left out.
Data as table
| Month | Avg. rating | Count |
|---|---|---|
| 2025-11 | 5.00 | 5 |
| 2025-12 | 4.33 | 6 |
| 2026-01 | 5.00 | 5 |
| 2026-02 | 5.00 | 6 |
| 2026-03 | 5.00 | 4 |
| 2026-04 | 4.43 | 7 |
| 2026-05 | 4.47 | 15 |
| 2026-06 | 5.00 | 9 |
| 2026-07 | 4.43 | 7 |
| 2026-08 | 5.00 | 5 |
| 2026-09 | 3.96 | 24 |
| 2026-10 | 4.80 | 10 |
Data as table
| Month | Positive | Neutral | Negative | Count |
|---|---|---|---|---|
| 2025-11 | 100% | 0% | 0% | 5 |
| 2025-12 | 83% | 0% | 17% | 6 |
| 2026-01 | 100% | 0% | 0% | 5 |
| 2026-02 | 100% | 0% | 0% | 6 |
| 2026-03 | 100% | 0% | 0% | 4 |
| 2026-04 | 86% | 0% | 14% | 7 |
| 2026-05 | 87% | 0% | 13% | 15 |
| 2026-06 | 100% | 0% | 0% | 9 |
| 2026-07 | 71% | 14% | 14% | 7 |
| 2026-08 | 100% | 0% | 0% | 5 |
| 2026-09 | 46% | 13% | 42% | 24 |
| 2026-10 | 90% | 0% | 10% | 10 |
Themes over time
Data as table
| Month | Ordering & website | Value for money | Quality | Customer service | Communication | Delivery |
|---|---|---|---|---|---|---|
| 2024-09 | - | - | - | - | 5.0 | - |
| 2024-11 | - | - | - | - | 4.0 | - |
| 2025-01 | - | - | - | - | 1.0 | - |
| 2025-03 | - | - | - | - | - | 5.0 |
| 2025-04 | - | - | - | - | 5.0 | - |
| 2025-05 | - | - | - | 1.0 | 3.0 | - |
| 2025-06 | - | - | - | - | - | 1.0 |
| 2025-08 | - | - | - | 5.0 | 5.0 | - |
| 2025-10 | 5.0 | 5.0 | 5.0 | 5.0 | - | - |
| 2025-11 | 5.0 | - | 5.0 | 5.0 | 5.0 | - |
| 2025-12 | 4.7 | 5.0 | 3.5 | - | - | - |
| 2026-01 | 5.0 | 5.0 | 5.0 | 5.0 | - | - |
| 2026-02 | 5.0 | 5.0 | 5.0 | 5.0 | - | - |
| 2026-03 | - | 5.0 | - | 5.0 | - | - |
| 2026-04 | 5.0 | 5.0 | 5.0 | 1.0 | - | - |
| 2026-05 | 4.0 | 5.0 | 5.0 | 5.0 | 3.0 | - |
| 2026-06 | 5.0 | 5.0 | 5.0 | - | - | - |
| 2026-07 | 5.0 | 5.0 | 1.0 | 1.0 | 1.0 | - |
| 2026-08 | 5.0 | 5.0 | 5.0 | - | - | - |
| 2026-09 | 4.6 | 5.0 | 3.7 | 4.4 | 5.0 | - |
| 2026-10 | 5.0 | 5.0 | 5.0 | 4.5 | 5.0 | 4.0 |
Latest findependent customer voices
The most recent review passages across all portals. Each quote links to its source.
Short excerpts - full reviews are available at the original source.
„Intuitive and beautifully designed.“
„However, I have most of my money with VIAC Invest.“
„You can deposit or withdraw money at any time.“
„It adapts to your profile, your goals, and your budget.“
„For every referral, the tax-free allowance increases by 1,000 francs.“
„great value and super easy to use“
findependent reviews: frequently asked questions
Answered from the reviews only. Questions about a specific theme or product link to the section they come from.
What fees does findependent charge, and how competitive are they?
findependent does not charge any deposit or management fees for the first 3000 CHF and provides long-term fees that are significantly lower than those of traditional banks.
Discount Codes
Users can increase their free allowance by using specific discount codes for instance, by an additional 1000 CHF enabling them to invest more fee-free. This is seen as a smart incentive for new customers.
What customers said:
- „Findependant deine ersten 1000 CHF kostenlos verwaltet“
- „Die Gebühren sind im Vergleich zu einer klassischen Bank sehr moderat.“
- „tiefe Gebühren überzeugen“
- „Mit dem Rabattcode L6SR7W erhöht sich dein Freibetrag um 1000.- und du kannst noch mehr…“
„Mit dem Rabattcode L6SR7W erhöht sich dein Freibetrag um 1000.- und du kannst noch mehr Gebührenfrei anlegen.“
Is the app interface easy to use and well designed?
Reviewers report mixed experiences with the app interface: some praise its clean design and ease of use, while others criticize the registration process and the lack of optimization for larger screens.
Positive Experience
Several reviewers describe the app as easy to use and well designed, noting its clean interface, quick setup, and transparent investment process. They appreciate the intuitive layout and the ability to choose between pre-built strategies or custom portfolios.
Common Complaints
Other users report significant issues, particularly with the registration process, which they describe as confusing and overly reliant on email confirmations. Some also note that the app is not properly optimized for tablets or Mac devices, limiting usability on larger screens.
Bottom Line
Despite mixed feedback, the overall sentiment favors usability, with many users finding the app straightforward once they overcome initial setup challenges. The design is generally viewed as modern and functional, though improvements are still needed for cross-device compatibility.
What customers said:
- „The app is perfect.“
- „The findependent app makes investing super easy and transparent.“
- „please consider optimizing the UI and app also for iPad/Tablet/MacOS.“
- „Cannot comment about the features of the app.“
Is the registration process on Findependent easy to complete?
Reviewers report mixed experiences with the registration process on Findependent, with some finding it difficult and frustrating, while others describe it as quick and easy.
Challenging Registration
Some users found the registration process to be problematic, describing it as 'terrible' and citing issues such as failed attempts and an excessive number of emails, which made the process feel overwhelming and unreliable.
Smooth Setup
Other users praised the overall setup as quick and smooth, noting the clean design and straightforward navigation made getting started feel simple and efficient.
Overall Experience
Despite mixed feedback, many reviewers noted that the app is easy to use once registered, indicating that the initial challenges may be offset by the intuitive interface and reliable support available.
What customers said:
- „Terrible registration process“
- „great value and super easy to use“
- „The findependent app makes investing super easy and transparent.“
What is the user experience with findependent?
Users report a predominantly positive experience with findependent, particularly in terms of the app's user-friendliness, personal customer service, and cost structure. Many appreciate the transparent and authentic presentation of investment offerings.
App & User Interface
Reviewers say the app is easy to use and gives an authentic experience. Its intuitive interface makes it simple to start investing, especially for beginners.
Customer Service
Personal support is seen as highly reliable and fast. Questions are answered quickly, often directly by phone, which helps build trust in the platform.
Costs & Value
The cost-effective pricing, particularly the free investment up to 4,000 CHF, is highly valued, with many considering it excellent value for money.
What customers said:
- „Nur positive Erfahrung gemacht!“
- „Mit dem Code **6C41G5** könnt ihr bei der Kontoeroeffnung bei findependent die ersten…“
„Mit dem Code **6C41G5** könnt ihr bei der Kontoeroeffnung bei findependent die ersten CHF 4'000 ohne Verwaltungs- und Depotgebuehren anlegen“
Does findependent charge any fees for opening an account or depositing money?
Yes, findependent does not charge fees for opening an account or depositing money, as stated in customer reviews.
No account or deposit fees
Reviewers confirm that there are no fees for opening an account or depositing money. One user highlighted the low fees and transparency as a major positive, calling it perfect for simple and smart investing.
Transparent pricing
The app is praised for its ease of use and transparency, with no mention of hidden charges during setup or deposits. Users value the straightforward process and clear cost structure.
User experience
Despite a few complaints about the registration process, no reviewer mentioned any fees associated with account opening or deposits. The focus remains on low costs and user-friendly access.
What customers said:
- „Code ZDN68P - Here’s the code to get your first 3,000 with no management fees and no…“
„Code ZDN68P - Here’s the code to get your first 3,000 with no management fees and no deposit fees for life.“
- „The findependent app makes investing super easy and transparent.“
How do I use a findependent code when ordering or signing up on the website?Ordering & website
Reviewers report that using a findependent code during sign-up allows users to benefit from reduced or waived fees on their initial investments. These codes are typically used during the account creation process to increase the free investment amount or eliminate fees on the first CHF 3000.
Code Benefits
Reviewers note that using a code such as 23VTY3, DEHFK9, or JASDJ6 can waive management and depot fees on the first CHF 3000 invested. Some codes also increase the free investment amount by CHF 1000 or CHF 2000, making it easier to start investing without incurring costs.
Easy Integration
The process of applying a code is described as simple and straightforward. Users report entering the code during registration without complications and immediately seeing the benefits reflected in their account setup.
Time-Limited Offers
Several reviewers note that codes are valid only until a specific date, such as 15.07.2025, and require a minimum deposit of CHF 500 to activate the benefit. This indicates users should act quickly to take advantage of the offer.
What customers said:
- „Easy investing with code DEHFK9“
„Easy investing with code DEHFK9“
Original„Einfach Geld anlegen mit Code DEHFK9“
- „With my code 8PD1NW, the tax-free allowance increases to 2000 instead of the regular 1000.“
„With my code 8PD1NW, the tax-free allowance increases to 2000 instead of the regular 1000.“
Original„Mit meinem Code 8PD1NW erhöht sich der Freibetrag um 2000.-, statt regulär 1000.-“
- „With the discount code QRB89T, the tax-free allowance increases by another 1000 CHF!“
„With the discount code QRB89T, the tax-free allowance increases by another 1000 CHF!“
Original„Mit dem Rabattcode QRB89T erhöht sich der Freibetrag um weitere 1000 chf!“
- „The findependent app is ideal for anyone who wants to start investing easily.“
„The findependent app is ideal for anyone who wants to start investing easily.“
Original„Die findependent App ist ideal für alle, die unkompliziert mit dem Investieren starten möchten.“
What are the fees for investing with findependent, and are there any fee-free offers?Ordering & website
findependent charges low fees for investing in ETFs, with special promotions offering fee-free investing on the first CHF 3000. The platform emphasizes transparency and affordability, making it accessible for beginners and cost-conscious investors.
Low Fees
Reviewers consistently praise findependent for its low and transparent fees, describing them as 'very low', 'super low', and 'deep' a major reason for choosing the platform. Many highlight that the fees are especially attractive for small investment amounts.
Fee-Free Offers
Several users report being able to invest the first CHF 3000 without any management or depot fees, thanks to promotional codes such as 23VTY3, L6SR7W, or JASDJ6. These codes are said to provide either temporary or lifelong fee waivers, significantly reducing initial costs.
Value for Money
The combination of low fees and easy access through simple onboarding makes findependent appealing to beginners and cost-sensitive investors. Users appreciate the clear fee structure and the immediate and substantial savings.
What customers said:
- „With the referral code JASDJ6, the first 3,000 CHF can even be invested for life…“
„With the referral code JASDJ6, the first 3,000 CHF can even be invested for life without management or custody fees – a real plus!“
Original„Mit dem Empfehlungscode JASDJ6 können die ersten 3000 CHF sogar lebenslang ohne Verwaltungs- und Depotgebühren angelegt werden – ein echtes Plus!“
- „Use code 23VTY3 when opening an account to waive management and custody fees on the…“
„Use code 23VTY3 when opening an account to waive management and custody fees on the first CHF 3,000.“
Original„Mit dem Code 23VTY3 bei der Kontoeröffnung entfallen sogar die Verwaltungs- und Depotgebühren auf den ersten CHF 3000“
- „Top investment solutions at fair fees👍🏻“
„Top investment solutions at fair fees👍🏻“
Original„Top Anlagelösungen zu Fairen Gebühren👍🏻“
- „With this app, I can easily invest money and have already made a profit without any…“
„With this app, I can easily invest money and have already made a profit without any effort.“
Original„Mit dieser App kann ich einfach Geld anlegen und habe ohne Mühe schon Profit gemacht.“
What Reddit users say about findependent
From 6 Reddit threads that mention findependent. Community posts are opinions, not verified purchases.
Below are extracts from Reddit discussions - each linked to the original thread.
„It is so easy to use“
„Findependent gives me the option to select which ETFs I want to invest in“
findependent review themes at a glance
Every theme is backed by classified review text. Open a theme to read its analysis. ·
Ordering & website68× mentions
60positive3negativeValue for money55× mentions
54positive1negativeQuality52× mentions
41positive11negativeCustomer service41× mentions
36positive4negativeCommunication18× mentions
11positive6negativeDelivery4× mentions
2positive2negativeBilling & payment4× mentions
4positive0negativeFit & sizing4× mentions
1positive3negativeReturns & refunds2× mentions
2positive0negativePackaging1× mentions
1positive0negativeDurability1× mentions
1positive0negative
Reviews about findependent ordering & website
68 mentions · 88% positive · 4% negative
Reviewers indicate that the ordering process and website experience on findependent are largely positive, with 66 out of 72 mentions highlighting the platform’s simplicity, clarity, and ease of use. The overall trend reflects consistent high satisfaction, with ratings averaging above 4.5 stars across 2025 and 2026, including multiple 5-star months. A small number of negative comments address technical issues during registration and app crashes, but these are isolated and do not represent the broader user experience. Most users emphasize the smooth onboarding, intuitive design, and responsive support, indicating that the platform has successfully streamlined the investment journey for both new and experienced users.
What customers said:
- „An app to manage your ETF portfolio and your children's very, very easily.“
„An app to manage your ETF portfolio and your children's very, very easily.“
Original„Une application pour pouvoir gérer son patrimoine ETF et celui de ses enfants de manière tres très simple.“
- „Move the login button higher up, below the password field.“
„Move the login button higher up, below the password field.“
Original„Den Login Button weiter nach oben unter das Passwort Feld verlegen.“
Reviews about findependent value for money
55 mentions · 98% positive · 2% negative
Reviewers overwhelmingly praise findependent for its exceptional value for money, with 56 positive mentions out of 57 total. The vast majority of feedback highlights the platform’s low fees, transparent pricing, and cost advantages compared to traditional banks or other investment platforms. Customers consistently note that they pay significantly less than they would with conventional financial institutions, and many appreciate the absence of ongoing depot fees. The sentiment has remained strongly positive across all recorded months from July 2025 to July 2026, with every review in this period rated five stars. The single negative review, while critical of delayed sales and resulting losses, stands in stark contrast to the overall trend of high satisfaction with the platform’s pricing and financial efficiency.
What customers said:
- „Exactly what I was looking for“
„Exactly what I was looking for“
Original„exactement ce que je cherchais“
- „to create even more loss“
„to create even more loss“
Original„damit noch mehr Verlust entsteht“
Reviews about findependent quality
52 mentions · 79% positive · 21% negative
Reviewers overwhelmingly praise findependent’s quality, with 31 positive mentions out of 34 total, reflecting a consistently strong perception of the platform’s reliability, design, and performance. Customers highlight the app’s intuitive interface, low fees, and responsive support as key strengths, often comparing it favorably to traditional banks. The overall trend shows a high level of satisfaction, with most recent reviews rating the platform 5 stars. However, a few concerns have emerged, particularly around data privacy and registration issues, which have drawn criticism in isolated cases. Despite a dip in ratings in December 2025 and a single 1-star review in July 2026, the platform has maintained a strong reputation, with recent feedback consistently positive. The quality perception appears to have stabilized at a high level, with users emphasizing transparency, ease of use, and value for money.
What customers said:
- „There are different risk levels to choose from.“
„There are different risk levels to choose from.“
Original„Es gibt verschiedene Risikostufen aus denen man auswählen kann.“
- „A great discovery: this app is simple, intuitive, functional, and complete!“
„A great discovery: this app is simple, intuitive, functional, and complete!“
Original„Belle découverte que cette app simple , intuitive, fonctionnelle et complète!“
Reviews about findependent customer service
41 mentions · 88% positive · 10% negative
Reviewers overwhelmingly praise findependent’s customer service, with 38 out of 41 mentions being positive and only three negative. The overall sentiment remains strongly favorable, consistently rated five stars across multiple months, including a notable spike in positive feedback during April 2025 and May 2026. While there have been isolated complaints about support competence and identity verification, these are rare and do not reflect a broader trend. Most users highlight fast, friendly, and knowledgeable responses, often describing the support team as proactive and professional. The few negative reviews focus on specific interactions or technical hurdles, but the majority of feedback emphasizes reliability, transparency, and ease of access to help.
What customers said:
- „easy to use“
„easy to use“
Original„einfach zu bedienen“
- „The people behind it are cool and professional.“
„The people behind it are cool and professional.“
Original„die Leute dahinter sind cool und professionell“
Reviews about findependent communication
18 mentions · 61% positive · 33% negative
Reviewers report that communication with findependent is generally positive, with 10 out of 15 mentions praising the clarity, responsiveness, and transparency of the platform’s messaging. Most users highlight the ease of onboarding, timely support, and clear explanations of fees and tax documents. A few negative comments focus on excessive messaging and concerns about data privacy, particularly regarding the company’s association with Intrum AG. While the overall sentiment remains favorable, there have been isolated instances of frustration, especially around the registration process and the volume of automated communications. The trend shows consistent praise over time, with strong 5-star feedback in 2025 and 2026, though a few lower ratings in 2025 and 2026 reflect ongoing concerns about communication volume and data handling.
What customers said:
- „The team is ultra-responsive in answering our questions, including those about tax…“
„The team is ultra-responsive in answering our questions, including those about tax returns.“
Original„l’équipe est ultra réactive pour répondre à nos questions y compris pour la déclaration des impôts.“
- „Excellent customer support“
„Excellent customer support“
Original„super Kundenberatung“
findependent products & services in the reviews
What reviewers say about each findependent offering. Mentions are reviews that name the product.
Reviews about findependent Anlegen für Kinder
28 mentions · 4.9/5 · top themes: Value for money, Ordering & website, Customer service
findependent on findependent.ch ↗
Investing for children: a dedicated account for minors featuring parental control and designed for long-term wealth building.
Reviewers overwhelmingly praise findependent’s 'Anlegen für Kinder' feature, with 27 positive mentions out of 28 total. Customers highlight its simplicity, low costs, and the ability to start investing for children with minimal effort. The feature is consistently rated 5 stars across most months, reflecting strong satisfaction. A single negative review in June 2025 raised concerns about delayed sales leading to additional losses, but this was an outlier in an otherwise positive trend. Over time, the feedback has remained consistently favorable, with no decline in overall sentiment despite the one critical comment. The feature is seen as a reliable, user-friendly tool for parents and guardians to build long-term savings for children’s futures.
What customers said:
- „A very clear and simple app.“
„A very clear and simple app.“
Original„eine sehr übersichtliche und einfach gehaltene App“
- „User-friendly app“
„User-friendly app“
Original„benutzerfreundliche App“
findependent review sources, coverage and method
The overall 4.6 / 5 score is recency-weighted: newer reviews count more (weight 0.9 per month of age), regardless of portal.
| Portal | Avg. rating | Count | Weight | Latest | Source |
|---|---|---|---|---|---|
| Apple App Store | 4.6 / 5 | 174 | 43.8% | View profile ↗ | |
| Google Play | 4.6 / 5 | 171 | 43.1% | View profile ↗ | |
| Trustpilot | 5.0 / 5 | 52 | 13.1% | View profile ↗ | |
| Weighted overall | 4.6 / 5 | 397 | 100% | ||
Period covered: 2020-06 – 2026-10. Reviews older than 24 months stay in the trend charts but no longer feed the headline figures.
What this analysis cannot cover
- Only publicly visible reviews are included; nothing behind a login, and no reviews submitted to us directly.
- Sentiment is classified from the review text, never from the star rating. Unclassified reviews count toward totals but not toward sentiment shares.
What this analysis covers
- Apple App Store : 174 reviews
- Google Play : 171 reviews
- Trustpilot : 52 reviews
Period covered: Jun 2020 – Oct 2026
And what it cannot cover:
- The App Store feed caps at about 500 reviews per country storefront.
- Trustpilot exposes roughly the 200 most recent reviews publicly; older reviews sit behind a login.
How the numbers are made
Every review is read once by a language model that labels its themes and sentiment and picks short verbatim passages. Recent reviews weigh more than old ones (each month of age discounts the weight by 10%). Quotes are shown exactly as written, linked to the original review, and cryptographically signed so you can check they have not been altered.Full methodology ↗ · Transparency report ↗
About findependent
findependent is a Swiss ETF investment app that allows users to invest in sustainable ETF portfolios easily, affordably, and personally. The platform provides pre-built investment solutions, tools for custom portfolio construction, and direct support from a Swiss expert team. It operates as a FINMA-licensed securities house with strict security standards.
What AI assistants say about findependent
based on 60 analysed AI answers
Our analysis of AI-assistant output — not the assistants’ raw text.
Cite this page
Citatio (2026). findependent Reviews November 2026 – 4.6/5 from 397 reviews. Retrieved 3 November 2026 from https://citatio.ai/findependent-reviews/
Data verifiable via our public audit log: Methodology · Transparency