finpension Reviews 

I started newly by finpension and I had some difficulties to start my own selected portfolio. Therefore I started the chat function and in a few seconds I had a real person on the chat - very professional! The support person was fast, competent and finally we solved the problem. Very rare nowadays! Great job finpension! :-)

Easy handling, transparent condition, top support via chat.

Questions are answered very quickly and customer oriented. Good and easy to use app and very fair pricing.

This was my first time using this type of service, and I was impressed by the kindness and patience of the person I spoke to. Everything was explained to me clearly, and the person took the time to make sure I had all the information I needed to choose the plan that best suited my needs. Friendly and helpful!

Finpension has the most flexibility for those who want to choose funds which make sense for their views.

Fast responce to my questions and very helpful team. Small investors are welcome to do their savings and learn how to do it as the app is easy to work.

Paulo Pimentel

Use it for pillar3a, amazing experience.

I used finpension pillar 3a. It is a great product and finpension delivers a great service.

- It was very easy to setup the pillar 3a
- The app is very clear on what the status of your portfolio is, it is also very easy to use
- all tax relevant documents are delivered in time
- I recently had contact with the support team, because I needed additional documentation to use the pillar 3a in scope of buying property: the response was super fast and a custom and very constructive solution for my request was found

Overall I highly recommend finpension and their pillar 3a.

When registering for an account for vested assets, their website let you choose a phone number from any country in order to receive a confirmation OTP. However the SMS never comes.

Contacted customer support, said cannot accept numbers from my country. But the website takes it and says SMS sent.

Wasted my time with this over 2 days trying to register. Solution is easy: Don't show a list of countries for phone numbers you don't support. Or better, support those.

Great customer support, prompt and helpful! Nice returns and low fees.

I’m a user of both the 3rd pillar and invest products since early 2024 and am extremely satisfied with both. Fees remain low (they were actually free for 2025 but are generally low), they’re extremely reliable and the variety of potential strategies is great. Overall super satisfied. The customer service is super reactive and useful and the platform so user friendly that even beginners and non finance professionals can understand it easily. I’ve recommended it around in my personal life.

Amazing customer service.

Very responsive client service. They provided solid advice and answered all my needs. I can recommend it.

The products are straightforward and designed for long-term investment. The customer service is also top qualtiy, very helpful and pleasant.

Easy to use, without any understanding of finances

Well-structured products, with a good degree of client-based customisation. Top customer service

I feel it is my duty to point out that this company will not release your retirement money when you permanently leave Switzerland and settle outside the European Union (which is a right afforded by the Swiss pension law), unless you pay them 3'000 CHF. They do, however, apply a much lower fee if you keep the money with finpension AG at least one year.

When I prompted them about this contractual condition, which was not visible at the time I signed the contract, they explained to me that this is in order to prevent "vested benefits tourism". However, the mere fact that the fee is burried deep in the contractual clause suggests this is not the real motivation. In my view, the real motivation is for finpension AG to keep managing your money, possibly under a retrocession (fee-sharing) agreement with UBS AG whose funds it distributes and promotes. Such agreements were the subject of much controversy more than a decade ago in Switzerland.

For if the real purpose were to prevent the movement of such funds, the fee would have been made much more visible and the client would have been warned about it. 3'000 CHF is not negligible at all.

I feel this contractual provision is highly inappropriate, as it conflicts with the personal financial goals of the client. Let me explain why:
1. The fact that overseas clients are not warned of these fees results in an outcome in which the client feels forced to keep his/her money in underperforming finpension AG funds, even though some might need the funds for urgent medical treatment or in order to prevent the application of new and much less favourable legal provisions that could, for example, block the withdrawal altogether
2. In many cases, professionals are highly mobile and they spend only a few years in Switzerland. Therefore, the 3'000 CHF fee is a very high proportion of the retirement fund.

I feel that what finpension AG is doing is a bit deceptive. While it domiciles its retirement foundation in Schwyz, a low-tax canton, to attract clients that want to withdraw their pension at low taxation rates, it also imposed a much less visible fee of 3'000 CHF for such withdrawals, which is very high in absolute value and not justified by the workload this company is supposed to do in order to validate the withdrawal.

These second pillar accounts that finpension AG manages are called Freizugigkeitskontos, in German. Translated in English, this expression alludes to the easy mobility of the funds. So the name the law gives to these accounts is at odds with the very high fees this company imposes.

The problem also lies in the fact that the company itself states that it imposes these costs with the very purpose of preventing the mobility of the funds. In so doing, finpension AG institutes a practice that comes in contradiction with the very spirit of the Swiss retirement laws, laws that provide for free movement of such funds.

Another reason for concern, which in this case is directed to FINMA, the Swiss financial regulator, is that FINMA does not seem to oppose the practice of asking for such high fees. This, in my view, casts a shadow on the reputation of ye regulatory authority.

Best fintech in Switzerland, all their products are absolutely amazing!

Easy setup, good customer care service.