findependent Reviews & Ratings 2026
This page is an audit of every publicly available review for findependent — 358 reviews across 3 platforms — giving you a holistic, evidence-based view of findependent's reputation. Below you'll find the overall rating, the themes customers raise, how sentiment has trended over time, and a SWOT summary — all grounded in the reviews and linked to their sources.
Key findings
- Across 358 reviews on 3 portals, findependent averages 4.7 out of 5 stars.
- Customers rate Value for money most positively (56 of 57 mentions positive).
- Communication draws the most criticism (4 of 15 mentions negative).
About findependent
findependent is a Swiss ETF investment app that enables users to invest in sustainable ETF portfolios easily, affordably, and personally. The platform offers pre-built investment solutions, tools for custom portfolio construction, and direct support from a Swiss expert team, operating as a FINMA-licensed securities house with strict security standards.
SWOT summary
Strengths
- Value for money: 99% positive across 57 mentions
- Ordering & website: 88% positive across 72 mentions
- Quality: 88% positive across 34 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 weighted by review volume - portals with more reviews count proportionally more.
| Portal | Avg. rating | Count | Weight | Latest | Source |
|---|---|---|---|---|---|
| Apple App Store | 4.7 / 5 | 154 | 43% | View profile ↗ | |
| Google Play | 4.6 / 5 | 154 | 43% | View profile ↗ | |
| Trustpilot | 5.0 / 5 | 50 | 14% | View profile ↗ | |
| Weighted overall | 4.7 / 5 | 358 | 100% | ||
Themes in the reviews
Ordering & website72× mentions
66positive4negativeAcross 72 mentions, 88% of Ordering & website feedback is positive and 9% negative — Ordering & website is a clear strength.
Value for money57× mentions
56positive1negativeAcross 57 mentions, 99% of Value for money feedback is positive and 1% negative — Value for money is a clear strength.
Customer service41× mentions
38positive3negativeAcross 41 mentions, 87% of Customer service feedback is positive and 13% negative — Customer service is a clear strength.
Quality34× mentions
31positive3negativeAcross 34 mentions, 88% of Quality feedback is positive and 12% negative — Quality is a clear strength.
Communication15× mentions
10positive4negativeAcross 15 mentions, 56% of Communication feedback is positive and 42% negative — Communication is largely positive.
Billing & payment3× mentions
3positive0negativeAcross 3 mentions, 100% of Billing & payment feedback is positive and 0% negative — Billing & payment is a clear strength.
Delivery2× mentions
1positive1negativeAcross 2 mentions, 43% of Delivery feedback is positive and 57% negative — Delivery is a common pain point.
Returns & refunds2× mentions
2positive0negativeAcross 2 mentions, 100% of Returns & refunds feedback is positive and 0% negative — Returns & refunds is a clear strength.
Packaging1× mentions
1positive0negativeAcross 1 mentions, 100% of Packaging feedback is positive and 0% negative — Packaging is a clear strength.
Durability1× mentions
1positive0negativeAcross 1 mentions, 100% of Durability feedback is positive and 0% negative — Durability is a clear strength.
Fit & sizing1× mentions
1positive0negativeAcross 1 mentions, 100% of Fit & sizing feedback is positive and 0% negative — Fit & sizing is 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 | 4.3 | 3.0 | - |
| 2025-06 | 5.0 | - | - | 5.0 | - | - |
| 2025-07 | - | 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 | - |
Rating trend
Data as table
| Month | Avg. rating | Count |
|---|---|---|
| 2025-08 | 4.67 | 6 |
| 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 |
Sentiment over time
Data as table
| Month | Positive | Neutral | Negative | Count |
|---|---|---|---|---|
| 2025-08 | 83% | 17% | 0% | 6 |
| 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 |
Customer voices
Short excerpts - full reviews are available at the original source.
„great value and super easy to use“
„The app is perfect.“
„Low fees, clear insights, and great support — perfect for anyone who wants to invest smart and simply!“
„The design is clean, setup is quick, and you can choose between ready-made strategies or your own ETF portfolio.“
„The findependent app makes investing super easy and transparent.“
„The larger screen provides a better overview, and I frequently use an iPad instead of a phone for these type of work“
„please consider optimizing the UI and app also for iPad/Tablet/MacOS.“
„excessive e-mails“
What Reddit users say about findependent
Additional source: 4 Reddit discussions about findependent reviewed.
Below are extracts from Reddit discussions - each linked to the original thread.
„Findependent gives me the option to select which ETFs I want to invest in“
Frequently asked questions
What is the experience with findependent?
The experience with findependent is generally positive, especially regarding the app's user-friendly interface, the personal customer service, and the cost structure.
App Interface
Reviewers report a very positive experience with findependent, particularly regarding the simple and intuitive app interface. The platform is described as authentic and user-friendly, which makes the initial investment process easier.
Customer Service
The personal customer service is highly praised. Customers can contact the service via phone at any time, and the staff responds quickly and competently. The direct approachability of employees like Vincent is especially highlighted.
Price-to-Value
The cost structure is perceived as particularly favorable. The bonus code, which allows for the first 4,000 CHF to be invested without management and custodian fees, is particularly mentioned. This is seen as a significant advantage for new users.
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 are the fees at findependent, and are there any discounts or free thresholds?
findependent offers low fees, including extensive discounts and free thresholds that make account opening more affordable. Customers report no deposit or management fees for the first 10,000 to 30,000 Swiss francs.
Fee-Free Account Opening
Reviewers note that findependent does not charge deposit or management fees, especially for the first 3,000 to 10,000 Swiss francs. Some users take advantage of discount codes to further increase their free threshold and enjoy even more fee-free benefits.
Cost-Effectiveness
The app is rated as particularly cost-effective compared to traditional banks. Customers emphasize that the low fees are a key reason for their satisfaction and make investments more attractive.
Discount Codes
Some users utilize special codes during account opening to receive additional free thresholds. These actions are considered particularly advantageous and contribute to long-term cost savings.
What customers said:
- „Mit dem Code 9CL5D9 bekommt ihr CHF 3000,- ein Leben lang ohne Gebühren!“
- „Findependant deine ersten 1000 CHF kostenlos verwaltet“
- „Die Gebühren sind im Vergleich zu einer klassischen Bank sehr moderat.“
- „tiefe Gebühren überzeugen“
Is the registration process on the findependent app easy to complete?
Yes, the app has a registration process that is easy to complete for many users, though some reviewers report it as overly complicated and plagued by excessive emails.
Easy for some
Reviewers report that the registration process is quick and straightforward for many users, with one highlighting that setup is fast and the app is easy to use. The clean design and clear onboarding contribute to a smooth experience for those who complete it successfully.
Problems reported
Other users describe the registration as terrible, citing excessive emails and a process that failed to complete. These issues suggest that while the app is designed for simplicity, some users encounter technical or procedural hurdles during sign-up.
Overall experience
Despite the negative feedback, the overall sentiment leans positive, with multiple 5-star reviews praising the app’s ease of use and quick setup. This indicates that the registration process may work well for most users, even if a minority face difficulties.
What customers said:
- „The app is perfect.“
- „Terrible registration process“
- „The findependent app makes investing super easy and transparent.“
Is the app’s interface easy to use and well designed?
Reviewers report mixed experiences with the app’s interface, with some praising its clean, easy-to-use design while others criticize its lack of optimization for larger screens and a frustrating registration process.
Positive Experience
Several reviewers describe the app as intuitive, clean, and easy to use, highlighting its quick setup, transparent design, and straightforward navigation. They appreciate the ability to choose between ready-made investment strategies or build a personal portfolio without complexity.
Usability Issues
Other users report significant usability issues, particularly during registration, which they describe as excessive and error-prone. Some also note that the interface is not properly adapted for tablets or desktops, limiting the experience on larger screens despite the potential for better overview.
Bottom Line
The overall impression is divided: while the core functionality is praised for being simple and well-structured, the lack of responsive design across devices and a cumbersome onboarding process detract from the user experience for some.
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.“
Are there too many emails during sign-up on findependent?
Reviewers do not mention excessive emails during sign-up, and overall feedback emphasizes a smooth, quick setup process with clear communication.
Smooth Onboarding
Reviewers report that the sign-up and setup process is quick and straightforward, with no complaints about email overload. The app’s clean design and clear instructions contribute to a frictionless onboarding experience.
Clear Communication
Users highlight that communication is clear and purposeful, with no indication that emails are overwhelming or unnecessary. The focus is on transparency and simplicity from the start.
Balanced Email Flow
Since the app is designed for ease of use and personal service, the email flow appears to be well-balanced, informative without being intrusive. There is no mention of spam or excessive messages during sign-up.
What customers said:
- „I used a similar code for my first discount too :) The app is perfect.“
- „The findependent app makes investing super easy and transparent.“
Do I need to pay a deposit fee when I start investing with findependent?
No, reviewers report that there is no deposit fee required when starting to invest with findependent.
No Deposit Fees
Reviewers consistently highlight that findependent has no deposit fees, making it accessible for new investors. The platform emphasizes low costs and transparency, which aligns with its focus on affordable, straightforward investing.
Cost Transparency
Users appreciate the lack of hidden charges, especially when setting up their first investment. The absence of a deposit fee is seen as a major advantage, particularly for those starting with small amounts.
User Experience
The overall experience is praised as simple and fair, with no upfront costs to begin investing. This supports findependent’s positioning as a low-barrier entry point for sustainable ETF investing.
What customers said:
- „The findependent app makes investing super easy and transparent.“
- „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.“
Does the findependent app show clear investment insights and performance data?
Yes, reviewers report that the app provides clear investment insights and performance data, with many praising its transparency and ease of use.
Clear Insights
Reviewers consistently highlight that the app delivers clear insights and transparent performance data. One user described it as 'super easy and transparent,' emphasizing that the design and setup make it simple to track investments.
User-Friendly Design
Several users praised the app’s low fees and straightforward interface, which supports easy access to performance metrics. The ability to choose between pre-built strategies or custom portfolios adds to the clarity of investment tracking.
Minor UI Limitations
While some users noted issues with the registration process and UI optimization for larger screens, these concerns did not affect the core functionality of viewing investment performance and insights, which remained well-received.
What customers said:
- „The app is perfect.“
- „The findependent app makes investing super easy and transparent.“
Are the fees low and clearly explained on findependent?
Reviewers report that findependent offers low fees and clear fee explanations, with many praising the transparency and value of the platform.
Low Fees
Reviewers consistently highlight that the fees are low and well communicated. One user specifically mentions 'low fees' and 'clear insights' as key strengths of the platform.
Clear Explanations
The transparency around fees is a major point of praise. Users appreciate that the fee structure is easy to understand and integrated into the app’s clean design, making it simple to see what they’re paying.
Overall Value
Many users feel the combination of low costs and clear communication makes findependent a strong choice for those seeking a straightforward, trustworthy investment experience.
What customers said:
- „The findependent app makes investing super easy and transparent.“
- „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.“