findependent Reviews & Ratings September 2026
Derived from the analyzed reviews; each chip links to the page with the cited evidence.
This audit analyzes 363 publicly available reviews of findependent across 3 platforms, providing a complete, evidence-based view of its reputation. The overall rating, recurring customer themes, sentiment trends over time, and a SWOT summary are all derived directly from the reviews and linked to their sources.
Key findings
- findependent has a 4.7 out of 5 stars average from 363 reviews across 3 portals.
- Customers rate value for money most positively, with 55 out of 56 mentions being positive.
- Communication draws the most criticism (4 of 15 mentions negative).
What changed in August 2026
In August 2026, 5 new reviews were analyzed; the average rating moved from 4.4 to 5.0 stars.
- New reviews
- 5
- Average rating
- 5.0/5 (4.4 ↑)
- Positive share
- 100% (71% ↑)
Most-discussed themes
- Value for money — unchanged
- Billing & payment — +1 vs prior month
- Ordering & website — -1 vs prior month
- Quality — unchanged
About findependent
findependent is a Swiss ETF investment app that offers sustainable ETF portfolios. It provides pre-built investment solutions, tools for building custom portfolios, and direct support from a Swiss expert team. The platform operates as a FINMA-licensed securities house with strict security standards. It enables users to invest easily, affordably, and personally.
What AI assistants say about findependent
based on 60 analysed AI answers
Our analysis of AI-assistant output — not the assistants’ raw text.
SWOT summary
Strengths
- Value for money: 99% positive across 56 mentions
- Quality: 89% positive across 35 mentions
- Ordering & website: 88% positive across 70 mentions
Weaknesses
- Communication: 42% negative across 15 mentions
Opportunities
- Address communication to lift overall sentiment
- Lean on strength in value for money in marketing
Threats
- Ongoing criticism of communication could deter new customers
Reviews by portal
The overall 4.7 / 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 | 4.7 / 5 | 158 | 43.5% | View profile ↗ | |
| Google Play | 4.6 / 5 | 155 | 42.7% | View profile ↗ | |
| Trustpilot | 5.0 / 5 | 50 | 13.8% | View profile ↗ | |
| Weighted overall | 4.7 / 5 | 363 | 100% | ||
What this analysis covers
- Apple App Store : 158 reviews
- Google Play : 155 reviews
- Trustpilot : 50 reviews
Period covered: Jun 2020 – Aug 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.
Themes in the reviews
Ordering & website70× mentions
64positive4negativeOrdering & website received 70 mentions, with 88% positive feedback and 9% negative feedback. This makes Ordering & website a clear strength.
Value for money56× mentions
55positive1negativeValue for money has 56 mentions, with 99% positive feedback and 1% negative. This makes it a clear strength.
Customer service39× mentions
36positive3negativeCustomer service has 39 mentions, with 86% positive feedback and 14% negative feedback. This makes customer service a clear strength.
Quality35× mentions
32positive3negativeQuality received 35 mentions, with 89% positive feedback and 11% negative feedback. Quality is a clear strength.
Communication15× mentions
10positive4negativeCommunication received 15 mentions, with 56% positive feedback and 42% negative feedback, making it a mixed area.
Billing & payment4× mentions
4positive0negativeBilling & payment received 4 positive mentions and 0 negative mentions, resulting in 100% positive feedback. This makes Billing & payment a clear strength.
Delivery2× mentions
1positive1negativeDelivery has a 43% positive feedback rate and a 57% negative feedback rate across 2 mentions. Delivery is a common pain point.
Returns & refunds2× mentions
2positive0negativeReturns & refunds received 2 mentions, all positive. 100% positive feedback, 0% negative. Returns & refunds is a clear strength.
Packaging1× mentions
1positive0negativePackaging has 100% positive feedback and 0% negative feedback across 1 mention, making it a clear strength.
Durability1× mentions
1positive0negativeDurability has 100% positive feedback and 0% negative feedback across 1 mention. Durability is a clear strength.
Fit & sizing1× mentions
1positive0negativeFit & sizing received 100% positive feedback and 0% negative feedback across 1 mention, making it a clear strength.
Themes over time
Data as table
| Month | Ordering & website | Value for money | Customer service | Quality | Communication | Billing & payment |
|---|---|---|---|---|---|---|
| 2024-09 | - | - | - | - | 5.0 | - |
| 2024-11 | - | - | - | - | 4.0 | - |
| 2025-01 | - | - | - | - | 1.0 | - |
| 2025-02 | - | - | 5.0 | - | - | - |
| 2025-04 | - | - | 5.0 | - | 5.0 | 5.0 |
| 2025-05 | - | - | 1.0 | - | 3.0 | - |
| 2025-06 | - | - | - | 5.0 | - | - |
| 2025-08 | 4.7 | 5.0 | 5.0 | 5.0 | 5.0 | - |
| 2025-09 | 4.5 | 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 | 1.0 | 5.0 | - | - |
| 2026-05 | 4.0 | 5.0 | 5.0 | 5.0 | 3.0 | - |
| 2026-06 | 5.0 | 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 | - | 5.0 |
Rating trend
Data as table
| Month | Avg. rating | Count |
|---|---|---|
| 2025-09 | 4.80 | 5 |
| 2025-10 | 5.00 | 7 |
| 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 |
Sentiment over time
Data as table
| Month | Positive | Neutral | Negative | Count |
|---|---|---|---|---|
| 2025-09 | 100% | 0% | 0% | 5 |
| 2025-10 | 100% | 0% | 0% | 7 |
| 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 |
Products & services
- Anlegen für Kinder - 28 mentions
Customer voices
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“
„A great solution for structuring my finances!“
„The app is super easy to use.“
What Reddit users say about findependent
Additional source: 6 Reddit discussions about findependent reviewed.
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“
Frequently asked questions
What is the user experience with findependent?
Users report a positive experience with findependent, citing the app's user-friendliness, personal customer service, and clear cost structure. Many appreciate the transparent presentation of investment offerings.
App & User Interface
The app is easy to use and provides an authentic feel. Its intuitive interface helps beginners start investing quickly.
Customer Service
Personal support is perceived as reliable and fast. Questions are answered quickly, often by phone, which builds trust in the platform.
Costs & Value
The pricing is cost-effective, with a free investment up to 4,000 CHF. Many consider this 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“
What fees does findependent charge, and how competitive are they?
findependent charges no deposit or management fees for the first 3000 CHF. Long-term fees are significantly lower than those of traditional banks.
Discount Codes
Users can increase their free investment amount by using specific discount codes. For example, a code adds 1000 CHF, enabling more fee-free investing. This serves 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 the clean design and ease of use. Others criticize the registration process and lack of optimization for larger screens.
Positive Experience
Several reviewers say the app is easy to use and well designed. It has a clean interface, quick setup, and a transparent investment process. Users like the intuitive layout. They can choose from pre-built strategies or create custom portfolios.
Common Complaints
Other users report significant issues with the registration process, which is described as confusing and overly dependent on email confirmations. Some users also note that the app is not properly optimized for tablets or Mac devices, reducing usability on larger screens.
Bottom Line
Users find the app usable overall, despite mixed feedback. The app is straightforward after initial setup. Design is modern and functional. Cross-device compatibility needs improvement.
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?
Some reviewers found the registration process on Findependent difficult and frustrating, while others reported it as quick and easy.
Challenging Registration
Some users found the registration process problematic. It received negative feedback labeled 'terrible.' Failures during registration attempts were reported. Users received an excessive number of emails. The process felt overwhelming and unreliable.
Smooth Setup
Users praised the setup for being quick and smooth. The clean design and straightforward navigation made starting easy and efficient.
Overall Experience
Many reviewers said the app is easy to use after registration. The initial setup challenges may be offset by the app's intuitive interface and strong support.
What customers said:
- „Terrible registration process“
- „great value and super easy to use“
- „The findependent app makes investing super easy and transparent.“
Does findependent charge any fees for opening an account or depositing money?
findependent does not charge fees to open an account or deposit money, according to customer reviews.
No account or deposit fees
Reviewers confirm no fees for opening an account or depositing money. One user praised the low fees and transparency, calling it perfect for simple and smart investing.
Transparent pricing
The app has a simple setup and clear pricing with no hidden charges. Users report a straightforward process and transparent costs.
User experience
Few reviewers complained about the registration process. No reviewer mentioned fees for account opening or deposits. The focus is on low costs and easy 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.“
Cite this page
Citatio (2026). findependent Reviews September 2026 – 4.7/5 from 363 reviews. Retrieved 2 September 2026 from https://citatio.ai/findependent-reviews/
Data verifiable via our public audit log: Methodology · Transparency