1) A focus on social sustainability

For 92% of women, sustainable investing matters. Yet most ETF savings plans in Switzerland largely ignore this need. We don't.

With ellexx, you invest responsibly with future generations in mind. We place particular emphasis on:

• Gender equality and diversity in management
• Fair wages and working conditions
• Protection of human rights
• Business ethics and positive social impact

In short, your money doesn't just work for returns—it also works for your values.

2) Transparent, fair pricing

We mean it! The confusing fee structures in the financial industry are a scandal.

Many fintech providers hide costs behind seemingly attractive offers, such as free custody accounts. Instead, they charge high foreign exchange fees or expensive tax reports costing more than CHF 500. Low-cost brokers often compensate with less favourable exchange rates, and if you buy several ETFs every month, trading fees can quickly add up.

All of this eats into your returns, so it's worth taking a close look.

Business ethics matter to us. That's why we offer:

• Low foreign exchange fees of 0.25%
• No additional trading fees for monthly ETF purchases
• Free tax reports
• VAT included in all fees

3) Designed by women, for women

Our ETF savings plans are curated specifically with women's needs in mind. One of the biggest barriers to investing—for women and men alike—is the overwhelming number of investment products available. More than 2,000 ETFs are listed on the Swiss stock exchange, and the number continues to grow.

After extensive surveys with thousands of women and analysing hundreds of independent financial consultations, we created five core ETF savings plans.

They offer:

• Social criteria (see above), ensuring your money is invested in companies that operate ethically
• Currency hedging, particularly beneficial for investors in Switzerland given the strength of the Swiss franc
• Long-term wealth building through the automatic reinvestment of gains and dividends (known as accumulating ETFs)
• Savings plans for children and godchildren, allowing you to start investing for the next generation from birth
• Time savings, thanks to the careful selection and curation of ETFs already being done for you
  
  

• Accessible: Start investing with small amounts – digitally and without unnecessary barriers. With ellexx invest, you can get started with CHF 1,500.
• Easy to understand: What others make complicated, we make intuitive and easy to understand.
• Meaningful: For you and your values – ETFs with a social focus.
• Fair: A transparent flat fee with no hidden costs. With ellexx invest, investing even small monthly amounts makes sense, as we don't charge any additional trading fees. Compared with traditional banks, you pay significantly lower fees and can invest in low-cost ETFs.
• Supportive: ellexx supports you with knowledge, community and exchange. With the learning content included in our Membership, you can build comprehensive knowledge about investing and ask our experts and the ellexx community all your questions.
  
  

Because the financial world is still dominated by men – and because traditional products often fail to reflect the realities of women’s lives. Nine out of ten financial advisors admitted that they primarily target men.

That’s why we’re rethinking finance:

• Values-based investing
• Easy to understand
• Fair fees
• Long-term wealth building

With ellexx, you don’t just get a product, but an approach to finance that aligns with your life and your values.

ETF stands for Exchange Traded Fund. Like stocks, ETFs are traded on a stock exchange. ETFs track an index, such as the Swiss Market Index (SMI) or the global MSCI World Index. When you invest in an ETF, you’re not investing in individual companies, but in many at the same time – giving you broad diversification (meaning your risk is spread across different investments). Today, there are low-cost ETFs for all kinds of asset classes, such as stocks, bonds, commodities, real estate and crypto.

ETFs are simple, transparent and low-cost. They track markets automatically, without fund managers actively deciding which stocks to buy or sell (this is known as passive investing). This allows you to stay broadly diversified over the long term and benefit from the growth of the global economy while paying low fees.

An ETF savings plan is a simple, smart and convenient way to invest regularly. You choose your investment strategy, set a monthly amount – and the rest happens automatically through a standing order. Your money is invested every month without you having to think about it. This way, you can build wealth step by step without constantly having to manage purchases or sales.

With a savings plan, you invest automatically and regularly, regardless of whether markets are rising or falling. This helps smooth out the purchase price of your investments over time (the cost-average effect) and helps you avoid emotional investment decisions. It also keeps you invested for the long term, allowing you to make the most of the compound interest effect.

An ETP (Exchange Traded Product) works similarly to an ETF, but tracks the price of a single asset – such as a cryptocurrency or commodity. This allows you to gain targeted exposure to the performance of a specific asset without having to buy it directly yourself.

No. The ellexx app is free, and you can use ellexx invest without an ellexx Membership.

The ellexx Membership is an optional, complementary offering for anyone who wants to build their financial knowledge while investing and feel more confident about their financial decisions.

As an ellexx Member, you benefit from:

• a comprehensive budgeting tool to keep track of how much you can invest
• monthly live coaching sessions with experts
• video courses on investing, retirement planning and financial planning
• practical checklists for specific financial questions
• access to our WhatsApp community, where you can ask your questions at any time

Our savings plans are curated by women for women – with a consistent focus on social criteria. This means:

We invest not only with environmental considerations in mind, but also place particular emphasis on:

• gender equality and diversity in management
• fair wages and working conditions
• the protection of human rights
• business ethics and social impact

In short: Your money doesn’t just work towards returns, but also towards your values.

The “S” in ESG stands for Social, meaning social responsibility. When selecting ETFs (particularly equity ETFs), ellexx looks at whether they specifically favour companies that:

• have a strong track record on gender equality
• actively combat discrimination
• respect workers’ rights
• prioritise fairness and safety throughout their supply chains

Our goal: More impact through conscious selection.

No – quite the opposite.

Numerous studies show that socially responsible companies tend to be more stable and resilient over the long term. They often perform just as well as or better than the broader market, particularly during periods of crisis.

With ellexx, you invest in line with your values – without compromising on returns.

ellexx generally takes a critical view of the still limited selection of socially responsible ETFs – the financial industry could be further ahead in this area. Within what is currently available in the ETF market, all ETFs in our savings plans (particularly equity ETFs) have been carefully selected based on social ESG criteria. We also rely on recognised indices such as the Gender Equality Index and MSCI Socially Responsible.

Because it specifically invests in companies that measurably put gender equality into practice.

This includes, for example:

• a balanced representation of women and men in senior management
• fair promotion opportunities
• transparent pay and gender pay gap reporting

The ETF savings plans are based, among other things, on an index that analyses gender equality across more than 3,000 companies worldwide – only the top 100 qualify for inclusion.

Yes.

We exclude companies that:

• are involved in weapons, fossil fuels, tobacco or gambling
• violate human rights
• tolerate child labour or forced labour in their supply chains

These criteria apply to all our savings plans. This helps ensure that your money doesn’t work against your values.

One of the five ellexx invest savings plans, the Power Plan, includes a small allocation of around five percent to Ethereum via an ETP (Exchange Traded Product).

The allocation is deliberately kept small: cryptocurrencies can fluctuate significantly in value. An allocation of around five percent still allows you to participate in the development of this new technology – without increasing the overall risk of the portfolio too much.

We deliberately chose Ethereum because, unlike Bitcoin, it has reduced its energy consumption by around 99 percent since switching to the energy-efficient Proof-of-Stake mechanism. The Ethereum blockchain is also used by the industry for innovation and real-world applications. This makes Ethereum a strong fit with our investment approach.

To complete the onboarding process for ellexx invest, you need:

• a Swiss residence
• no US tax liability
• a Swiss mobile number
• access to your device’s camera
• a valid ID document (passport, identity card or B/C residence permit)
• in exceptional cases: a recent electricity or internet bill to verify your postal address
• good lighting conditions
  
  

If you meet the requirements listed above, you can complete the onboarding process in around 10 minutes. Have your passport, identity card or B/C residence permit ready. Make sure you also have a good internet connection and are in a quiet, well-lit environment.

During the onboarding process:

• First, you enter your personal details and answer some legal questions.
• Next comes the photo identification. Software verifies your identity and ID document in real time.
• You take photos of the front and back of your ID document.
• The security features are checked automatically.
• You then take a selfie.
• In the final step, you receive the contract documents from our partner bank, Hypothekarbank Lenzburg AG, and sign them directly in the app. To confirm your signature, you receive an SMS code.

And that’s it – together with our partner bank, Hypothekarbank Lenzburg AG, we take care of the rest.

Within two to three business days, you will receive an SMS from Hypothekarbank Lenzburg AG with your IBAN and payment instructions. To complete the account opening process, please make an initial deposit of at least CHF 1 to this IBAN.

Important:

• The money must come from a Swiss bank account in your name.
• Foreign bank accounts and joint accounts cannot be used.

Once your payment has been verified, your account will be opened. At the same time, you will receive your ellexx invest login details (password) by post.

Once you have received the letter and made the initial deposit of at least CHF 1, open the ellexx app, enter your password – and you’re ready to start investing!

Please note that your login details will only work once your initial deposit has been verified, which can take two to three business days.

Our partner bank, Hypothekarbank Lenzburg AG, first needs to verify your details and set up your account. This usually takes two to three business days. Once this is complete, you will receive your IBAN by SMS so you can make your initial deposit.

To activate your account with our partner bank, Hypothekarbank Lenzburg AG, you need to deposit at least CHF 1. Please note that this deposit must be made within 90 days of receiving your IBAN by SMS. Otherwise, your account will be closed.

Once your initial deposit has been received and your account activated, the ellexx app will guide you through the next steps. You can then choose whether you want to make a one-off investment or set up a savings plan with a monthly investment amount.

Once the onboarding process is complete, we send your login details by post for security reasons. Together with our partner bank, Hypothekarbank Lenzburg AG, this helps ensure that your personal data cannot be intercepted or misused digitally.

The letter containing your password will be sent to the address you provided. Once you have received it and made the initial deposit of at least CHF 1, you can log in to the ellexx app and start investing.

ellexx is not a bank – that’s why we work with Hypothekarbank Lenzburg AG for ellexx invest. Thanks to this partnership, you have your own account in your name with Hypothekarbank Lenzburg AG, where your money and investments are held securely.

You transfer the money you want to invest with ellexx invest to this account.

• You receive your account details (IBAN) by SMS after completing the onboarding process.
• You receive your login details (password) separately by post.
• You can also find your IBAN at any time in the ellexx app under Invest > Make a deposit.
  
  

There can be several reasons for this. To open an account with our partner bank, Hypothekarbank Lenzburg AG, you must be at least 18 years old, live in Switzerland and be tax resident exclusively in Switzerland. You also need to be able to register with a Swiss mobile phone number.

If you meet these requirements, you can restart the onboarding process at any time. If it still doesn’t work even though you meet all the requirements, you can contact us here.

Unfortunately, our partner company responsible for identity verification is not able to verify all ID documents worldwide in compliance with FINMA requirements.

Only certain ID documents and nationalities are currently supported for the onboarding process. You can find the current list of accepted documents here.

If your ID document is not currently accepted, Hypothekarbank Lenzburg AG is unfortunately unable to open an account for you – which means you cannot invest with ellexx invest at this time.

Don’t worry – this can happen. The most common reason is that some of the details do not match when our partner bank, Hypothekarbank Lenzburg AG, verifies the payment.

Your initial deposit is part of the identification process when opening your account. The bank checks whether the details of your transfer exactly match your personal information. If, for example, your name or address does not match, the deposit will automatically be returned.

Please make sure that:

• you are the sender of your initial deposit. Do not use a joint account for the initial deposit;
• your initial deposit comes from a Swiss bank account. Foreign accounts are not permitted for regulatory reasons;
• you are also the beneficiary of the payment. When entering the recipient, use your full name and, if required, your address. Do not enter the address of ellexx or Hypothekarbank Lenzburg AG, as the money is being transferred to your personal account.
  
  

Once you have completed the onboarding process, you can log in to ellexx invest under Invest in the ellexx app using the login details for ellexx invest that you received by post and SMS.

There, you can choose the savings plan you would like to start with. You can choose between five different ETF savings plans, which differ in their composition and risk profile. Each savings plan contains six to eight ETFs, ensuring that your money is broadly diversified across different asset classes and regions. You can find more information about each savings plan directly in the ellexx app under Invest.

Please note: You choose your savings plan at your own discretion (known as “execution only” in financial terminology). ellexx does not provide personal investment advice to determine your investment strategy. You therefore choose the savings plan that best matches your values and risk appetite.

This means that you choose your savings plan at your own discretion (known as “execution only” in financial terminology). ellexx does not provide personal investment advice to determine your investment strategy. You therefore choose the savings plan that best matches your values and your risk appetite.

In the ellexx app, you can find the exact composition of each savings plan as well as a description of the plan. It is important to us to provide you with all the information you need in one place – transparently, clearly and in an easy-to-understand way.

For each individual ETF included in our savings plans, we link directly to the factsheets provided by the ETF providers. There, you can find detailed information about each ETF, including:

• product costs (TER) of each ETF
• composition of each ETF
• distributions of each ETF
• currency of each ETF
• details on the sustainability of each ETF
  
  

Unfortunately, in practice, it is mainly large providers that are able to offer ETFs. There are both technical reasons for this (high levels of automation, data processing and security) and financial ones. Launching an ETF requires around CHF 50 million in initial capital, and because of their low fees, ETFs need to be operated highly efficiently. This is difficult for smaller providers to achieve.

Yes, you can switch your savings plan. However, this means that all your holdings will be sold and your assets reinvested. There are no additional fees for switching plans.

However, consider whether it is a good time to sell all your investments. If markets are down, you can also keep your existing savings plan and simply stop making further contributions until markets have recovered. If markets are up and your investments have performed well, you can sell your holdings and then invest the money in a new plan of your choice.

Yes, you can open as many savings plans as you like, with different investment strategies and investment goals. Simply add another savings plan from the dashboard in the ellexx app.

Please note, however, that each new savings plan requires an initial investment of at least CHF 1,500.

Yes, you can! The long time horizon until your children, grandchildren or godchildren reach adulthood is ideal for investing through a savings plan. This allows even the youngest to benefit from the compound interest effect, while giving you more time to ride out market fluctuations as you invest for them regularly and over the long term.

With our solution, you can open as many savings plans as you like in your own name, with different investment strategies and investment goals.

Please note: Even if you open a savings plan for your children, grandchildren or godchildren, you remain the legal owner of the savings plan. Once they reach adulthood, you can close the savings plan and transfer the money to them.

As part of ellexx invest, ellexx does not provide personal investment advice. You choose your savings plan at your own discretion.

If you are interested in personal wealth management advice or a financial consultation, you can find more information here.

The minimum amount required to get started with ellexx invest is CHF 1,500 per savings plan. This ensures that your money can be invested in a meaningful and broadly diversified way.

Good to know: After the initial investment of CHF 1,500, you can invest additional amounts at any time or set up a monthly savings plan, with contributions starting from just CHF 50 per month.

Our ETF savings plans consist of several ETFs covering different asset classes and regions. With an initial investment of CHF 1,500, your money can be allocated so that each position has a sufficient weighting – ensuring that your chosen investment strategy is properly reflected.

No, there is no maximum investment amount. However, if you are planning to invest a larger amount, we recommend investing it in several stages. This allows you to spread your risk over time and reduces the risk of investing your entire amount at an unfavourable point in the market.

No, you don’t have to make monthly contributions. You can get started with the one-off minimum investment of CHF 1,500.

If you like, you can then continue investing through a monthly savings plan (from CHF 50) or make additional contributions whenever it suits you. We recommend setting up a monthly standing order straight away, so you can build wealth step by step over the long term – automatically.

With regular contributions, you invest automatically and steadily over time – regardless of whether the market is currently high or low.

This allows you to benefit from the cost-average effect: sometimes you buy at a higher price, sometimes at a lower price, resulting in a more balanced average purchase price over the long term. This helps reduce your risk and allows you to build wealth consistently without constantly trying to find the right time to invest.

There is no one-size-fits-all rule. Which approach is right for you depends, among other things, on your personal risk tolerance, your financial situation and how much security you prefer. What matters is that you feel comfortable with the approach you choose.

Investing gradually can reduce the risk of investing your entire capital at an unfavourable time. As stock markets are constantly changing, this allows you to spread your entry across different market phases. In general, it is very difficult to predict market movements or identify the perfect time to invest.

At the same time, time is an investor’s best friend. The earlier your money is invested, the more potential return opportunities you can benefit from.

No. For regulatory reasons, our partner bank, Hypothekarbank Lenzburg AG, only accepts transfers from a Swiss bank account held in your name.

Your investments are executed once a week, every Wednesday (except on public holidays). Once your money has been credited to your transaction account with Hypothekarbank Lenzburg AG, your order will automatically be executed on the following Wednesday.

You can choose when to make your standing order transfer.

Your ETFs are traded on the Swiss stock exchange (SIX).

The data in the ellexx app is updated once a day in the morning and shows the values from the previous day – or from the last trading day, as markets are closed at weekends. This means you can follow the performance of your savings plan with up-to-date information, even though the data is not shown in real time.

At ellexx, we focus on long-term investing rather than short-term trading (day trading), which is why we have deliberately chosen daily updates instead of real-time data.

If you would like to check the current price of an ETF in your savings plan, you can simply search for it online using its ISIN (12 characters). You can find the ISIN for each ETF directly in the ellexx app in your dashboard.

This is because the data shown in the ellexx app is not real-time data, but reflects prices from the last trading day. At ellexx, we focus on long-term investing rather than short-term trading (day trading), which is why we have deliberately chosen to update the data once a day instead of providing real-time prices.

Because you buy whole ETF shares with us (no fractional trading), your monthly investment amount may not always be invested in full. The remaining amount stays as cash in your account with Hypothekarbank Lenzburg AG and is automatically carried over to the next month.

As soon as there is enough money available to buy another ETF share – some ETFs cost around CHF 100 per share – the amount will be invested.

The actual allocation of your asset classes may differ from your target allocation. Why? There are two reasons:

1. 1
   1
   Your savings plan only buys whole ETF shares. This means that if your monthly investment amount is not enough to buy all ETFs in the desired proportions, there may be temporary deviations. These tend to balance out over time – for example, as you make additional contributions or your invested amount grows. This allows the actual allocation to gradually move closer to your target allocation.
2. 2
   2
   Over time, the value of individual ETFs changes depending on market performance. As there is no automatic rebalancing, the proportions of the individual asset classes can therefore shift. If you wish, you can manually rebalance your portfolio once a year to return to the original allocation.
   
   

There is no automatic rebalancing. Recent research questions the benefits of rebalancing and criticises it as a way for the financial industry to justify higher fees.

Rebalancing means bringing your investments back into balance – for example, by selling stocks if they have increased too much relative to another asset class in your savings plan (such as bonds). This helps bring your portfolio back in line with your original strategy.

Over time, however, your risk appetite may also change – for example, as you become more comfortable with investing. In addition, some asset classes perform better than others, which is completely natural.

In the future, you will have the option to manually adjust your portfolio back to your desired allocation around once a year. This means you can decide for yourself whether or not you believe rebalancing makes sense. We will let you know as soon as this feature becomes available. 

Most of the ETFs in your ellexx invest savings plan are accumulating. This means that income such as dividends or interest is automatically reinvested within the ETF. Instead of receiving these payments directly, you automatically benefit even more from the compound interest effect – without having to do anything yourself. Accumulating ETFs are generally well suited to long-term wealth building and can also offer advantages in terms of fees (e.g. stock exchange charges).

A small number of ETFs are distributing because no accumulating versions are available. In these cases, the income is paid into your account with Hypothekarbank Lenzburg AG and also appears in your transaction overview. It is automatically reinvested with your next contribution.

You can see whether an ETF is accumulating or distributing in the relevant factsheet provided by the ETF provider, which is linked directly in the ellexx app.

Yes, most of the ETFs in your ellexx invest savings plan are accumulating. This means that income such as dividends or interest is automatically reinvested within the ETF.

A small number of ETFs are distributing because no accumulating versions are available. In these cases, the income is paid into your account with Hypothekarbank Lenzburg AG and automatically reinvested with your next contribution.

Generally, yes – wherever possible, we use currency-hedged ETFs. This helps protect you from exchange rate fluctuations when investing in assets traded, for example, in euros or US dollars.

A currency-hedged ETF reduces the impact of exchange rate movements on your investment. This makes the performance of your portfolio more predictable, particularly given the strength of the Swiss franc compared with other currencies.

However, not all ETFs are available in a currency-hedged version, for example emerging market ETFs or crypto ETPs. In these cases, we use the unhedged version. This means that small foreign exchange charges averaging 0.25% apply – other providers often charge significantly more (around 1.5% on average).

You can see whether an ETF is currency-hedged or not in the relevant factsheet provided by the ETF provider, linked directly in the ellexx app.

It’s simple:

1. 1
   1
   Declare your portfolio and account balance in your tax return (securities statement).
2. 2
   2
   Declare any income from the ETFs (whether accumulating or distributing) – even if it is not paid out to you directly.
3. 3
   3
   Capital gains are generally tax-free for private individuals in Switzerland, as long as you are not classified as a professional securities trader.

Each year, you will find a tax-compliant and, importantly, free tax statement from Hypothekarbank Lenzburg AG in the ellexx app, containing all the information you need. Other providers charge up to CHF 500 for tax statements.

With ellexx invest, you pay a fair flat fee – there are no hidden sales charges, unfavourable exchange rates or expensive tax statements. What you see is what you pay:

• 0.59% per year for investments up to CHF 50,000
• 0.54% per year from CHF 50,000
• 0.49% per year from CHF 100,000
• 0.42% per year from CHF 500,000

This fee already covers almost everything, including:

• account management and custody fees with our partner bank, Hypothekarbank Lenzburg AG
• all trading fees (you pay nothing extra for recurring purchases or sales)
• fees for documents such as tax statements

We deliberately chose this fee model so that it makes little difference whether you invest smaller amounts regularly(which we recommend) or invest larger amounts less frequently. It is important to us that investing is worthwhile even with small contributions, allowing you to benefit from investing regularly over the long term. With other providers, buying individual ETFs every month can often result in disproportionately high costs.

Transparency is important to us: In addition to the flat fee, you only pay the product costs of the ETFs (TER), as well as external charges such as stamp duty, stock exchange fees and any applicable, very low foreign exchange fees (0.25%).

This way, you always know exactly what you are paying and what you are getting in return.

No, we have deliberately chosen a flat-fee model, so it makes little difference whether you invest smaller amounts regularly or larger amounts less frequently. This is because we do not charge any additional trading fees, either when buying or selling. It is important to us that investing is worthwhile even with small contributions, allowing you to benefit from investing regularly over the long term.

We recommend investing monthly because regular contributions allow you to invest automatically and steadily over time– regardless of whether the market is currently high or low. This helps reduce your risk and allows you to build wealth consistently without constantly trying to find the right time to invest.

The ellexx invest flat fee – transparent and fair, ranging from 0.42% to 0.59% in total – covers:

• fees paid to Hypothekarbank Lenzburg AG for digital account opening, custody, transactions, documents such as tax statements and compliance services
• costs associated with the curated product selection based on the ellexx Investment Principles
• costs for personal customer support
• technical costs for setup, security features and maintenance
• costs for innovative, customer-friendly improvements and new features
  
  

We use low-cost ETFs that also meet sustainability standards and provide exposure to companies and sectors that contribute to a more responsible economy. Some of these ETFs – as well as certain asset classes, such as real estate – are slightly more expensive than conventional standard products.

Overall, the product costs of our savings plans range from 0.26% to 0.33% per year, a fair price for a broadly diversified and forward-looking investment strategy.

In addition, charges such as stamp duty, stock exchange fees or foreign exchange fees may apply when trading. You can find more information here.

In Switzerland, a stamp duty is charged when ETFs are bought or sold. It is paid to the Swiss Federal Tax Administration and is automatically collected by our partner bank, Hypothekarbank Lenzburg AG.

The amount depends on the fund domicile:

• 0.075% for ETFs domiciled in Switzerland
• 0.15% for ETFs domiciled abroad

Wherever it makes sense, we have therefore deliberately selected ETFs domiciled in Switzerland. You can find the domicile of each ETF in its factsheet, linked directly in the ellexx app.

As most ETFs at ellexx are currency-hedged, you generally do not incur any direct foreign exchange fees. The currency hedging is handled by the ETF provider itself, and the associated costs are already included in the ETF’s product costs (TER). This means you do not pay an additional fee when buying or selling.

However, some ETFs (Emerging Markets, crypto and small caps) are not available in currency-hedged versions, so foreign exchange fees apply. These fees cover the cost of converting currencies and are automatically charged when buying or selling the ETF by our partner bank, Hypothekarbank Lenzburg AG.

With our solution, the foreign exchange fee averages 0.25%. This is very low compared with other providers, which often charge an average foreign exchange markup of around 1.5%.

Stock exchange fees are incurred when buying or selling ETFs through a trading platform. They cover the costs associated with trading on the stock exchange and are charged directly by our partner bank, Hypothekarbank Lenzburg AG.

Thanks to the excellent conditions offered by our partner bank and trade sponsorship from our product partner Swisscanto, these fees amount to between CHF 0 and a maximum of CHF 0.05 per trade.

No, the tax statement is already included in our flat fee and comes at no additional cost. The cost of tax statements varies from provider to provider. With some providers, they can cost several hundred Swiss francs.

You will receive your tax statement directly from our partner bank, Hypothekarbank Lenzburg AG, in your app inbox between mid and late February.

Costs associated with the product (product costs, stamp duty, foreign exchange fees and stock exchange fees) are charged directly after each trade by our partner bank, Hypothekarbank Lenzburg AG.

The flat fee between 0.42% and 0.59% is charged quarterly based on your investment amount and debited directly from your account.

At the moment, you can only fully close a savings plan. You can initiate this directly in the ellexx app under Withdraw. Before doing so, please check that the IBAN of your reference account is correct. Selling your investments usually takes one to two business days, after which the money will be transferred to your reference account within a few days.

Please note: Markets fluctuate, which is normal. In many cases, it can make sense to stay invested and wait. Short-term fluctuations often even out over time, and losses are only realised when you sell your investments.

No. For security reasons, withdrawals can only be made to your registered reference account. This must be an external Swiss bank account held in your name. It is not the account you opened with Hypothekarbank Lenzburg AG for ellexx invest.

For security reasons, you cannot change your reference account directly in the ellexx app. This helps ensure that withdrawals are always made to an account held in your name.

Please contact us at hello@ellexx.com, and we will send you the relevant form.

You can close your account with Hypothekarbank Lenzburg AG at any time. To do so, you first need to withdraw the full balance of all your savings plans.

You can then complete the form under End customer relationship in the ellexx app and send the signed form to us by email or post.

No, that’s not necessary. You can start investing again at any time by simply opening a new savings plan. The flat fee only applies to your invested assets.

But remember: Time is an investor’s best friend.

Your money is protected – even in the event of insolvency:

• Your ETF assets are held in a custody account in your name with Hypothekarbank Lenzburg AG. They do not form part of the bankruptcy estate – including in the event of ellexx becoming insolvent. In other words, investment instruments such as ETFs are held separately and are protected in the event of bankruptcy.
• Your account and custody account are held with a FINMA-regulated bank covered by the Swiss deposit protection scheme.
• ellexx has no access to your assets.

Your investments legally belong to you alone and remain protected even in the event of bankruptcy.

Your account and custody account are held with Hypothekarbank Lenzburg AG, a FINMA-regulated bank covered by the Swiss deposit protection scheme. ellexx has no access to your assets. The ellexx app also includes a range of security features:

• Encrypted data transmission (TLS/SSL): All connections between the app and server are fully encrypted.
• Biometric login: You can log in securely and conveniently using Face ID or your fingerprint.
• Separate login for ellexx invest: The investment section is additionally protected by a separate HBL password, which is sent to you by post by the bank.
• Strict separation of bank and ellexx data: Financial transactions are processed exclusively through HBL; ellexx does not have access to your bank account.
• Automatic logout: If you are inactive, the investment section of the app is automatically locked to prevent unauthorised access.
• Regular security checks: Our systems are continuously tested by experts and further improved.
  
  

You can update your personal details in your profile in the ellexx app. Your changes will then be forwarded to our partner bank, Hypothekarbank Lenzburg AG. Please note that for some changes, the bank may require additional information from you, for example if you change your name. If this is the case, you will be contacted directly via the ellexx app or by our support team.

We use your data to provide you with our services and continuously improve the ellexx app – so that everything works reliably, securely and is tailored to your needs.

Protecting your data is our top priority: ellexx does not sell personal data and only shares it with your explicit consent. All banking data is stored exclusively in Swiss data centres.

You can find more information in our privacy policy.