Our FAQ

Here you’ll find all questions about ellexx, our vision, and our offerings.

ellexx

What is ellexx?

ellexx is one of the few fintechs in Europe founded by women. Behind it stand economist Patrizia Laeri, lawyer Nadine Jürgensen, and designer Simone Züger. ellexx is an investment and financial education platform for women, built on three core pillars: information, financial literacy, and financial solutions.

What does ellexx do?

As an investment and financial education platform for women, ellexx brings all essential financial topics together in one place. The platform is built on three pillars: information, financial education, and financial solutions.

ellexx provides information:
We challenge the status quo, raise awareness, and offer critical insights into money matters. We shine a spotlight on the financial gaps women face throughout their lives.

ellexx provides financial education:
Our community gets clear answers and practical support for all financial questions. Through our app, we offer immediate help for everyday financial decisions — from regular live coaching sessions, learning videos, budgeting tools, and checklists to contract templates.

ellexx provides financial solutions:
ellexx is reshaping the financial world. We initiate new product ideas and, together with our partners, offer fair, equitable, and sustainable financial solutions that meet women’s needs across different life stages.
Since November 2025, ellexx has offered a digital in-app investment solution for socially focused ETF savings plans — making ellexx the first investment platform for women in Europe.

Which financial products does ellexx offer?

In , ellexx provides a digital in-app investment solution with ETF savings plans — . The custody bank is Hypothekarbank Lenzburg AG.

Additional financial solutions include a with Bank Vontobel, a with Migros Bank, and with CAP, a subsidiary of Allianz.

ellexx also offers and wealth advisory services — by women, for women.

How can I invest with ellexx?

ellexx offers a digital investment solution with ETF savings plans. With , you invest cost-effectively, in a diversified way, and with a focus on social sustainability.

ellexx also offers an with Migros Bank as an additional building block for already diversified portfolios. With the ellexx equity product, you invest in companies committed to advancing gender equality.

For more complex financial situations, you can book a session with our . Our experts answer all your questions and help you build an investment strategy tailored to your needs.

Where can I find financial tips for women?

ellexx offers award-winning financial journalism. Our editorial team covers current events and in-depth stories on women, finance, and gender equality. We highlight topics that other media mention only in passing — or not at all.

In addition, ellexx provides that empower people financially. You can join the starting at just 19 francs per month.

What does “ellexx approved” mean?

ellexx stands for product innovation: we provide financial information for women while also developing women-friendly .

Together with our partners, we offer fair, equitable, and sustainable financial solutions that address women’s needs across different life stages — free of banking jargon, with real social impact, and aligned with our . That’s what the ellexx approved label stands for.

What is “Ask Him”?

is a recurring feature at ellexx. We ask men the kinds of questions that are usually only directed at women. Our goal is to break stereotypes — and to expose toxic patterns along the way.

What are ellexx’s Money Talks?

People say you shouldn’t talk about money — but we do. In our series, we speak with diverse women about the still-taboo topic of money.

ellexx invest

What makes the ellexx ETF savings plans different from conventional ETF products?

1. Social criteria

92% of women care about sustainable investing. Yet most ETF savings plans in Switzerland ignore this need. We don’t — we invest in a way that protects the environment and future generations. We focus on:

Gender equality and diversity in leadership
Fair wages and working conditions
Protection of human rights
Corporate ethics and social impact

In short: your money works not only for returns, but also for your values.

2. Fair fees

We mean it! The fee jungle in the financial industry is a scandal. Many fintechs hide fees or use bait offers like zero-franc custody — and then make money through high FX fees or by charging customers , sometimes over CHF 500. Discount brokers often offer worse execution prices. And if you buy eight ETFs every month, you continually pay costly trading fees.

All of this eats into your returns — so look closely!

Because economic ethics matter to us, we offer:

Minimal FX fees of 0.25%
No additional trading fees (for monthly ETF purchases)
Free tax statements
VAT included

3. By women, for women

are curated specifically for women’s needs. One major barrier for many investors — women and men — is the overwhelming product range on the Swiss stock exchange: more than 2,000 ETFs and counting.

After extensive surveys with thousands of women and analyzing hundreds of independent advisory sessions, we created five core ETF savings plans.

Our ETF savings plans include:

Social criteria (see above): your money flows to companies that act ethically
Currency hedging — particularly important for Swiss investors given the strong franc
Long-term wealth building through reinvested earnings and dividends (“accumulating” ETFs for an optimal compounding effect)
Plans for children and godchildren — start investing for the next generation from birth
Time savings thanks to a carefully preselected set of ETFs

What other advantages does ellexx invest offer?

Accessible: Start investing with small amounts — digitally and without barriers. With ellexx invest, you can begin with CHF 1,500.
Easy to understand: What others make complicated is intuitive and approachable with us.
Meaningful: Invest in line with your values — with ETFs that focus on social impact.
Fair: Transparent all-inclusive fee with no hidden costs. With ellexx invest, it pays off even if you invest small monthly amounts, as we charge no additional trading fees. Compared to traditional banks, you benefit from significantly lower fees and access to cost-effective ETFs.
Supportive: ellexx supports you with knowledge, community and exchange. Through our membership learning content, you can build a solid foundation in investing and ask all your questions to our experts and the ellexx community.

Why do we need financial products designed for women?

Because the financial world is still dominated by men — and traditional products often fail to reflect women’s real lives.
bank advisors admitted that they primarily target men.

That’s why we rethink finance:

Values-based investing
Clear and accessible explanations
Fair costs
Long-term wealth building

With ellexx, you don’t just get a product — you gain financial confidence that aligns with your life and your values.

What is an ETF?

ETF stands for Exchange Traded Fund. Similar to shares, ETFs are traded on the stock exchange. ETFs track an index, such as the Swiss SMI or the global MSCI World.

When you invest in an ETF, you’re not investing in a single company — you’re investing in many at once. This gives you broad diversification, meaning your risk is spread across a wide range of investments.

Today, there are low-cost ETFs for almost every asset class, including equities, bonds, commodities, real estate or crypto. You can find more information in

What are the advantages of ETFs?

ETFs are simple, transparent and cost-effective. They track markets automatically, without fund managers actively deciding which individual stocks to buy or sell — these are known as passive products. This keeps you broadly diversified over the long term and allows you to benefit from global economic growth at very low fees.

What is an ETF savings plan?

An ETF savings plan is a simple, smart and convenient way to invest regularly. You choose your investment strategy, set a monthly amount — and everything else runs automatically via a standing order.

Without having to think about it, you invest every month. This allows you to build wealth step by step, without the need to constantly manage purchases or sales.

What are the advantages of a savings plan?

With a savings plan, you invest automatically and regularly — regardless of whether markets are rising or falling. This smooths out the entry price of your investments (the cost-average effect) and helps you avoid emotional decision-making.

You also remain invested over the long term and benefit fully from the power of compound interest.

What is an ETP?

An ETP (Exchange Traded Product) works similarly to an ETF but tracks the price of a single asset — for example, a cryptocurrency or a commodity. This allows you to benefit from the performance of a specific theme or asset without having to purchase it directly.

I still have more questions about ellexx invest

You can find our detailed here.

ellexx Membership

What are the benefits of the ellexx Membership?

As an ellexx member, you benefit from a wide range of advantages in our app. You can find all membership benefits or directly in the ellexx app.

There are three different membership options to choose from:

Monthly Membership
Annual Membership
Supporter Annual Membership

How much does an ellexx Membership cost?

costs CHF 199 per year or CHF 19 per month. There is also a supporter annual membership available for 499 francs.

What is included in the ellexx Membership?

With the , you receive the following benefits — available as a monthly or annual subscription:

Access to all content in the ellexx app
Weekly members-only newsletter
All interactive checklists in the app, plus extended versions for download
Your smart budgeting tool in the app
All live coachings — 11 to 24 sessions per year on money, investing and retirement planning with top experts and the ellexx founders
Motivational online courses on investing and retirement planning for beginners and advanced learners in the ellexx app
20% discount on our events Close the Gaps Night and ellexx Money Hacks Course
Discount vouchers for offers from other female founders

All of this for CHF 199 per year or CHF 19 per month (incl. VAT).

How is the Supporter Membership different?

With the in the ellexx app, you receive the following benefits for one year:

Access to all content in the ellexx app
Weekly members-only newsletter
All interactive checklists in the app, plus extended versions for download
Your smart budgeting tool in the app
All live coachings — 11 to 24 sessions per year on money, investing and retirement planning with top experts and the ellexx founders
Motivational online courses on investing and retirement planning for beginners and advanced learners in the ellexx app
20% discount on our events Close the Gaps Night and ellexx Money Hacks Course
Discount vouchers for offers from other female founders

Additionally included:

Two tickets for the Close the Gaps Evening
A Superwoman silk scarf from ellexx — because you are one!
The Close the Gaps book with a personal dedication from the founders
Endless love from the ellexx team 💜

All of this for CHF 499 per year, incl. VAT.

ellexx already offers so much free content. Why should I pay for a Membership?

The Membership gives you access to a wide range of advanced learning resources that support you on your financial journey — from live coachings and checklists to on-demand videos, the full member version of the budgeting tool, and much more. As a member, you benefit from many features that are not available in the free version of the ellexx app.

At the same time, our thought-provoking and informative articles will remain free — also for those who cannot afford an ellexx Membership.

When and where can I cancel my Membership?

You can cancel your membership up to two days before it expires. The monthly membership can be cancelled on a monthly basis. Please note that you must cancel your membership via the website if you purchased it there. Likewise, memberships purchased in the app can only be cancelled directly in the app.

Will my Membership renew automatically?

Yes, your membership will automatically renew once it expires. If you wish to cancel, you can do so up to two days before the renewal date. Please note that you must cancel your membership via the website if you purchased it there. Likewise, memberships purchased in the app can only be cancelled directly in the app.

Can I gift a Membership to someone else?

Yes. If you want to empower someone financially, you can gift an ellexx Membership. You’ll find corresponding gift vouchers in our shop.

I received a voucher for a Membership. Why do I still need to enter my credit card details?

Our payment system requires a credit card even if you received an ellexx Membership voucher and therefore do not have to pay anything. You will not be charged. However, please note that you must cancel the membership before the voucher expires if you do not wish to continue. Otherwise, it will automatically renew as a paid membership.

Independent financial advisory

Does ellexx offer financial advice for women?

Yes. ellexx works with who specialise in advising women. They understand the financial challenges women often face and know what to pay special attention to.

What does independent advisory mean?

We want to offer women transparent, comprehensive and trustworthy financial consultations and advisory services. That’s why we deliberately work with independent financial experts who are not tied to any bank. Unlike employees at banks or insurance companies, independent financial experts and wealth managers do not receive product commissions — meaning they do not earn money by recommending a specific product. This ensures they can select the most appropriate and cost-effective financial products and investments for you, fully independently.

How long does a consultation or advisory session take?

Both the financial consultation and the wealth advisory session last one hour. You will get the most out of the session if you prepare your questions and documents in advance.
We recommend completing the Money Hacks course and/or the ellexx Membership before booking a financial consultation so you already have basic knowledge and can use the session to address your remaining questions.

For the wealth advisory session, you can also email key documents — such as your existing investment strategy — to your independent advisor beforehand. This saves time and allows you to start immediately.

Is the session online or in person?

The financial consultation generally takes place online. If you would prefer an in-person meeting in the Solothurn area, you can arrange this directly with our financial expert Delia Bohren.

For independent wealth advisory, you can choose whether you prefer an online session or an in-person meeting in Zurich.
For both services, you can select your appointment directly after booking.

How do I book an appointment?

Once you have selected your advisor, you will be taken to the scheduling page after booking and payment, where you can choose a suitable time slot.

What does the financial consultation involve?

In principle, you can ask any questions you may have on the following topics during the financial consultation:

Everyday life & budget: How to manage your money better, create a budget, and get your finances under control
Investing & ETFs: How to start with small amounts and what to look out for, including in terms of sustainability
Pension provision: How AHV, pension funds, and 3rd pillar pensions work together
Financial planning & life decisions: e.g., marriage, cohabitation, starting a family, separation/divorce, or changing jobs

Of course, your expert can respond to your individual situation and set priorities.

What does the financial consultation include?

In the financial consultation, you can ask any questions you have on topics such as:

Everyday finances & budgeting: How to organise your money, create a budget and gain control over your finances
Investing & ETFs: How to get started with small amounts and what to look out for, including sustainability
Retirement planning: How AHV, pension funds and the 3rd pillar interact
Financial planning & life decisions: e.g. marriage, cohabitation, starting a family, separation/divorce, career changes

Your expert will, of course, tailor the session to your personal situation and set priorities with you.

What does the wealth advisory session include?

A personal wealth advisory session generally covers:

Situation analysis
Risk profile
Investment horizon
Savings rate
Goals
Sustainability preferences
Investment options
Fees
Retirement planning

Naturally, your advisor can tailor the session to your needs and set individual priorities.

What can I prepare in advance?

To make the most of your session, it’s helpful to have a clear overview of your financial situation.
You can use the budgeting tool in the ellexx app and consider the following:

What is my monthly income?
What is my total wealth?
What are my fixed expenses (e.g. rent, insurance, taxes, subscriptions, transport, etc.)?
What are my variable expenses (e.g. leisure, travel, clothing, etc.)?
How much debt do I have?
(Optional) How much do I want to invest long term?
(Optional) How is my retirement planning looking (pension fund statement, pillar 3a)?

For the wealth advisory session, you can also email key documents — such as your current investment strategy — to your independent advisor beforehand. This saves time and allows you to get started immediately.

How much money do I need for a wealth advisory session to make sense?

A wealth advisory session or a wealth management mandate is recommended from approximately CHF 500,000 in free assets (excluding pension fund assets or real estate).

The financial consultation, however, is designed for all women who want to take their finances into their own hands and make independent decisions. Even if you have no wealth yet, this is the right place — our expert will show you how to invest long term, sustainably and at low cost, even with small amounts.

Can I get advice on retirement planning?

Yes, our experts are also specialised in pension and retirement topics. However, this offering does not replace a comprehensive retirement planning service. Ideally, you should take a closer look at your retirement plans no later than 10 years before retirement.

Can I bring my partner to the wealth advisory session?

Absolutely — the strongest relationships are those where you can talk openly about money. Children are also welcome.

Legal Protection

What is legal protection insurance?

Legal protection insurance supports you in legal questions and disputes and covers the costs and advances incurred — for example, for a lawyer, court proceedings or the preparation of an expert report.

Private legal protection covers disputes relating to topics such as shopping, employment, equality, housing or health. Traffic legal protection covers you as a road user — whether you are riding an e-bike, using your own or rented vehicles, or travelling by boat or plane.

Why do I need legal protection insurance?

You can end up in a legal dispute much faster than you might expect. Conflicts can arise anywhere: in traffic, with your landlord, at work or while shopping online. Legal disputes can become expensive very quickly — even one hour with a lawyer can cost several hundred francs.

I’m friends with a lawyer. Why do I still need legal protection insurance?

A lawyer friend might give you free advice and represent you in court. But they will not cover your court fees or the opposing party’s costs — even if you win the case but the other party cannot pay. Legal protection insurance covers these expenses and advances in insured cases.

Is legal protection insurance worth it?

Depending on the coverage, the annual premium for legal protection insurance may cost less than a single hour with a lawyer. In a legal case, additional costs can arise — court fees, expert opinions, travel expenses, translation fees, compensation payments, bail, and more.
With legal protection insurance, you can enforce your rights in insured cases without facing further financial consequences.

I already have liability insurance. Do I still need legal protection insurance?

Yes. Legal protection insurance is an important complement to liability insurance. Liability insurance only helps you defend against unjustified claims or settle justified ones.
If you suffer a loss and want to enforce your claims, you need legal protection insurance. And if your liability insurer refuses to pay, you’ll be glad to have legal protection insurance on your side.
In addition, liability insurance usually does not provide legal advice.

I have more questions about the ellexx legal protection insurance

You can find additional frequently asked questions about the legal protection insurance .

ellexx 3a

Why does ellexx offer a 3a retirement product?

We want to encourage women to close their financial gaps. The gender pension gap in Switzerland is still 31% — old-age poverty is predominantly female. This needs to change. The third pillar (3a) is one way to address it: it allows you to save privately for your retirement, grow your wealth over the long term and save on taxes at the same time.

Why the partnership between ellexx and Vontobel?

Vontobel is a family-owned company led by a new young generation. Family businesses tend to take a long-term perspective and operate more sustainably. The private bank also has a long ESG track record. Sustainability is a core priority for ellexx as well — we work every day to build a more sustainable and gender-equal financial system.

Why ellexx 3a? What makes the product unique?

In the investment process, Vontobel integrates ESG risks into the financial criteria used for the ellexx 3a pillar. Funds are selected that minimise sustainability risks and comply with the ten UN Global Compact Principles.

ellexx is committed to advancing a more equitable financial system. Vontobel has contractually committed to ellexx that, once the ellexx 3a reaches a certain volume, they will explicitly add investments that particularly promote gender equality and diversity.

How much money do I need to open an ellexx 3a?

You can open an ellexx 3a with as little as one franc. Your money will be invested starting from CHF 500.

How many investment strategies are available?

Depending on your risk profile, you can choose from five globally diversified investment strategies. Each strategy allocates your money differently between equities and bonds. In all strategies, two percent remains in cash on your account.

If you want to take on more or less risk, you can adjust your strategy at any time.

ellexx Equity Product

Why the partnership between ellexx and Migros Bank?

Migros Bank is known for being fair and people-focused. It is a bank that is open to everyone — just like ellexx. We fight for financial education for all and work toward a more equitable financial system.
Migros Bank is unique in the banking world: in 2019, it abolished its internal bonus system. This ethical approach to business convinced us.

Where can I buy the equity product?

You can purchase it at any Swiss bank, neo-bank or digital trading platform.

You can generate a PDF for your bank via our website or send your advisor the product name and details:
"Migros Bank ellexx Gender Equality Basket", Valor number 110 588 569.

Alternatively, search directly in your investment app for:
“Migros Bank ellexx Gender Equality Basket”,
“Valoren-Nr. 110 588 569”,
and buy the product with one click.

What is the ellexx tracker certificate? What’s special about this equity product?

With the ellexx equity product, you invest in companies committed to gender equality.
It was the first product among around 40,000 structured products in Switzerland (as of 2021) to focus specifically on gender equality.

How are companies selected for the Gender Equality Basket?

Companies must meet three core criteria:

1. Gender Equality

Companies aligned with UN Sustainable Development Goal (SDG) 5, which aims to achieve gender equality and empower all women and girls. Criteria include:

Representation of women at all levels — not only in top management, but across the entire company, including the executive board, senior leadership and board of directors.
No controversies involving gender discrimination, unequal pay, or sexual harassment.
No controversies involving forced labour, discrimination of workers, or discriminatory treatment of customers and other stakeholders.

2. Sustainability

Companies must have a strong sustainability rating and be assessed as responsible by our investment partner, Migros Bank.

3. Company Quality

Companies must demonstrate strong fundamentals, as performance also matters.
To be selected, a company must:

Have a Bloomberg Analyst Consensus rating of ≥ 3, indicating positive expected future performance.
Have a market capitalisation of at least USD 1 billion.

Migros Bank evaluates all equities classified by MSCI — one of the world’s leading sustainability rating agencies — as aligned with SDG 5.

How many companies are included in the Gender Equality Basket?

The Basket contains 30 companies from Switzerland, Europe and the United States.

What happens if a company no longer meets the selection criteria?

The composition of the Gender Equality Basket is continuously reviewed.
Because it is an actively managed product, companies can be removed at any time if they no longer meet the required criteria.

What is ellexx aiming to achieve with its equity product?

Our goal is to help women achieve financial independence and security while promoting gender equality, sustainability and social responsibility in the financial industry.
With this product, ellexx aims to strengthen social investing — ensuring that more money, investment and attention flow into companies and leaders who offer fair and equitable workplaces, value diversity and inclusion, and operate in socially responsible and sustainable ways.

Why is there criticism of the ellexx Gender Equality Basket?

The ellexx Gender Equality Basket is an actively managed product and therefore more expensive than a passive ETF that tracks an index.

In Switzerland, there are more than 40,000 “tracker certificates” — but the ellexx equity product was the first to focus specifically on gender equality.
A tracker certificate replicates the performance of a basket of securities one-to-one and is especially common for thematic, sectoral or regional investment baskets.

The product has been criticised for being unsuitable and too expensive for beginners.
However, the Gender Equality Basket was never designed or marketed as an entry-level product. It has always been intended as one component of a diversified portfolio for people who specifically want to invest in gender-equal companies.

ellexx also offers independent wealth advisory, where risks of investment products are explained and suitability is assessed.

The fee of 1.1% is in line with the typical range for actively managed products and includes currency hedging against CHF fluctuations.
Of this 1.1% fee:

The issuer (ZKB) receives 0.3%
The remaining 0.8% is split equally between Migros Bank and ellexx
ellexx receives 0.4% for its cooperation with Migros Bank

From our perspective, the product is an innovation in the Swiss financial market — at a price comparable to similar products.