Estably

Estably is an online-only investment platform that lets clients open and manage fully-fledged Swiss bank custody accounts from €/CHF/USD 0. Annual custody and transaction fees sit in the mid-range for European brokers, with volume-based rebates that slide toward premium-level pricing for accounts above CHF 1 million. The product shelf is built around global stocks, ETFs, bonds, funds and precious metals; cash accounts are held in CHF, EUR, USD and GBP with multi-currency Visa debit cards. The brand’s signature is “Swiss banking without the branch”: every client, even with the minimum deposit, receives a numbered custody account at the partner bank, governed by Swiss deposit protection and banking secrecy law. Portfolios can be self-directed or placed with Estably’s in-house robo-advisor that uses fractional shares and automatic rebalancing; both options are audited by PwC and accessible through a single web/mobile dashboard. The firm’s transparency file lists real-time holdings, all-in costs and tax documents, a practice still rare among continental European brokers. Typical customers are EU and Swiss residents aged 30-55 who want the legal shelter of a Swiss bank but refuse private-bank minimums; digital nomads, cross-border workers and fintech-savvy professionals value the multi-currency debit card and English/German/French/Italian support. They prioritise asset safety, regulatory clarity and low-friction digital access over speculative trading tools. Estably competes with domestic neo-brokers and offshore private banks by wrapping robo-technology inside a regulated Swiss custody account, a structure that combines the low fees of app-based brokers with the legal ring-fencing traditionally reserved for high-net-worth accounts.