Author: Frequent Traveler

N26 Review: The Best Online Bank Of 2022

N26 Review: The Best Online Bank Of 2022

After years of testing out traditional and online banks, I’ve found N26 to be the best overall banking experience for anyone who travels frequently, digital nomads or not. With free worldwide ATM withdrawals, exceptional travel insurance coverage, and an intuitive, powerful app, I’m a strong 

The Best Brokers In Germany (Mar 2022)

The Best Brokers In Germany (Mar 2022)

After researching dozens of online platforms and personally testing the most highly recommended of them, we strongly believe is the best online trading platform in Germany. With zero fees on intra-day trading, a lightning fast web platform and their proprietary Negative Balance Protection, 

Why N26 Promo Codes No Longer Work (Mar 2022)

Why N26 Promo Codes No Longer Work (Mar 2022)

Summary: N26 promo codes no longer benefit the person being invited (in this case, you). As a result, you’re wasting your time searching for an N26 promo code.

Instead, skip the headache and get verified with N26 in a matter of minutes here.

N26 Promo Codes

In late 2018, N26 changed their referral policy, and new signups no longer receive a bonus for signing up with an N26 invite code.

In other words, if you’re searching online for an N26 promo code, you’re wasting your time.

I could give you my N26 referral code, but it won’t benefit you in any way.

Instead, your best move is to stop wasting your time and just sign up for N26 directly.

It only takes 8 minutes to sign up and get verified.

Changes To The N26 Referral Program

Before 20182019 & Beyond
Maximum rewardUp to 10 friends max (€150)Up to 100 friends (€1,500)
Days before receives your reward payment for inviting a friend2-3 daysUp to 60 days
Invited friend receives bonusYesNo

By the way: if you’re looking for ways to seriously amplify your wealth, you’ll probably like learning how I regularly make 10% daily returns. That’s all here.

Note: It’s not for the faint of heart!

What Is N26?

N26 is an online-only bank designed for digital nomads, frequent travelers and anyone else who appreciates simplicity, ease of use and good design from their bank.

My N26 account saves me thousands of Euros every year thanks to free ATM withdrawals worldwide, the best exchange rates on the planet (due to their partnership with TransferWise) and a remarkable travel insurance plan—all of which is included with the card.

It’s why I wrote a 3,000-word N26 bank review last year detailing my experience. It covers all of their products in-depth, including N26 You, N26 Metal, CASH26, INVEST26 and more.

Related: Looking for the best travel insurance for digital nomads? It’s right here.

That review also teaches you when it makes sense to upgrade to N26 You, and how to make the most of all the perks—perks like flight delay insurance, mobile phone insurance and travel cancelation insurance—that come with it.

And did I mention nearly all of these perks, plus plenty more, come absolutely free?

Sign up for N26 here—no promo code required.

N26 Promo Codes
N26 promo codes are a thing of the past, but that doesn’t mean N26 is any less of an amazing bank.

FAQs About N26’s Referral Program

How can I invite friends using my N26 promo code?

If you’re an existing N26 customer, inviting friends to N26 is super simple:

  1. Log into the N26 app, click on the person icon in the top left, and click on Add Friends (iOS) or Invite Your Friends (Android).
  2. Click Tell A Friend and share your code through the medium of your choice (ex. Messenger, email, WhatsApp, etc.)

Keep in mind that you’ll only receive your €15 reward when your friend completes a transaction worth at least €15, not as soon as they sign up for N26.

And remember that only you get a reward for inviting your friends—they don’t get any value out of signing up with your promo code.

How many friends can I refer to N26 with my N26 promo code?

Before the policy changes in late 2018, N26 would only pay a referral bonus for the first 10 friends you referred (capping your earnings at €150). But now, you’ll be paid €15 for the first 100 friends you refer to N26. That means you can earn up to €1,500 referring friends (but no more).

How long does it take to get paid for referring my friends to N26?

It can take up to 60 days for you to get paid for referring a friend to N26. It used to take just 2-3 days.

Does the friend I invite to N26 receive a reward as well?

No! This is unfortunate news for your friend, since only the person doing the inviting receives a €15 reward. This means that if you’re signing up for N26 yourself right now, you’re wasting your time searching for an N26 invite code online.

Benefits Of N26

  • Free ATM withdrawals worldwide. No matter where you are in the world, N26 will never charge you any fee for withdrawing cash from an ATM. If you’re on N26’s free plan, you’ll pay a 1.7% currency conversion fee on top of the interbank rate, which is better than what nearly any other consumer bank provides.
  • Real-time transaction notifications. Whenever money goes in or out of your account, whether it’s a transfer you’ve initiated or a pre-authorized payment, you’ll get a notification.
  • Transaction categories. Every transaction is assigned a category like “Bars & Restaurants” or “Travel & Holidays” to keep track of your spending that way. Just another benefit of having a banking tool built by coders, rather than a piece of technology built by bankers.
  • PIN resets. Resetting your PIN at any time is as simple as logging into the app and changing it. No calling N26, no trips to the ATM, etc etc. 30 seconds and it’s done.
  • Locking your card. Just like resetting your PIN, locking your card to make it unusable for a period of time is as simple as logging in and pressing the button. Unlocking it is just as easy.
  • Payments abroad, online payments and cash withdrawals. For your security, you can toggle these on and off at any time.
  • Spending and withdrawal limits. Another security feature that you can choose and change in the app at any time.

#6 Comparing N26, N26 You and N26 Metal

N26 StandardN26 YouN26 Metal
Monthly Fee€0€9.90€16.90
Free ATM Withdrawals In Euros
0% Foreign Payments Fee In Any Currency
Worldwide ATM Withdrawal Fees1.7%0%0%
Travel Insurance
Extended Warranty
Cash Protection
Mobile Phone Theft Insurance
Access to MasterCard World Elite Benefits
Dedicated Customer Support
Partner Offerings
Tungsten Card

Note: N26 also offers N26 Business, an account designed for freelancers and small business owners.

N26 You

When N26 You was first launched, you could use an N26 promo code to sign up.

Now, though, anyone can upgrade to N26 You by simply signing up for N26 and upgrading in the app. It just takes a couple of taps and your card will be in your mailbox in a couple of days.

Benefits Of N26 You:

  • Medical expenses up to an unlimited amount if you have a medical emergency while abroad (No deductible).
  • Expenses you incur due to a flight delay of 4 hours or longer, up to a maximum of €400 (No deductible).
  • Expenses you incur if your luggage arrives more than 6 hours late, up to a maximum of €400 (No deductible).
  • Reimbursement for a stolen mobile phone that was purchased with your N26 You account, up to a maximum of €300 (€50 deductible).
  • Reimbursement for stolen cash if you get mugged up to 4 hours after withdrawing with your N26 You card, up to a maximum of €500 (No deductible).
  • Extended warranty of up to one additional year on items purchased directly with your card and all payment methods associated with your card, such as a linked PayPal account, up to a maximum of €500 (€50 deductible).
  • Travel cancellation insurance on every trip before the trip commences, up to a maximum of €5,000 per trip (10-20% deductible).
  • Car rental insurance and public transportation accident insurance.

(Note: If you’re looking for an even more comprehensive insurance plan, we recommend the $37/month subscription from SafetyWing.)

N26 You currently costs €9.90/month.

Sign up for N26 You here.

N26 Metal

Just like N26 You, it used to be that the only way to access N26 Metal was to be referred by a friend.

But that’s no longer true. (I address this in my 2,000-word N26 Metal review.)

Anyone can get N26 Metal by signing up for N26 and upgrading in the app. Your card will arrive within a few days.

What Does The N26 Metal Card Look Like?

The N26 Metal card is made of tungsten, a rare, heavy metal that gives the card some serious oomph. The MasterCard logo is engraved on the front of the card, giving it a sense of depth, while the cardholder’s name has been moved to the back of the card, keeping the front minimal and clean.

N26 Metal comes in three colors: Charcoal Black, Rose Quartz and Slate Grey.

Here’s a video introducing the N26 Metal card:

Benefits Of N26 Metal

N26 Metal includes all of the benefits of N26 You listed above, plus dedicated (priority) customer support and, of course, the metal card itself.

N26 Metal also comes with a growing number of exclusive partner offers and benefits, which rival the benefits of much more expensive premium credit cards like the American Express Platinum. These benefits include:

  • WeWork: 1 free day per month of co-working from any WeWork location around the world.
  • com: 10% off hotel bookings.
  • IHG: 20%-30% off hotel bookings when you book at least 21 days in advance.
  • Tannico: 10% off your first three orders of wine, delivered to your home.
  • Outfittery: Save €30 on your order of your curated and stylish Outfittery Box.
  • Caya: 25% off your annual subscription to Caya, the physical-to-digital mail forwarder.
  • Zipjet: 10% off your order of €30+ from Zipjet, the laundry service that comes to you.
  • Home24: 10% off your order of €199 from Home24, one of the largest online furniture shops in Europe.
  • Helpling: 10% off all home cleaning services by Helpling.
  • Drivy: €25 off your first shared economy car rental with Drivy.
  • Lanieri: 25% off custom-tailored suits, shirts, jackets and pants made by Lanieri.
  • Babbel: An additional 3 months of free language learning when you sign up for a 3-month language learning pack with Babbel.
  • Urban Sports Club: €10 off your membership to Urban Sports Club, the gym that knows no boundaries.

N26 Metal currently costs €16.90/month.

Sign up for N26 Metal here.

N26 Promo Codes - WeWork
Your N26 Metal card is your ticket to WeWork locations like this one all over the world.

Upgrading From N26 You To N26 Metal

Upgrading from N26 You to N26 Metal is dead simple: in the N26 app, swipe right until you reach the Upgrade tab. Your new N26 Metal card will take 5-10 business days to arrive.

If you made purchases and travel arrangements using your N26 You card, those will still be insured under N26 Metal, of course. N26 stops charging you N26 You fees as soon as you upgrade to N26 Metal to ensure you never pay more than one monthly fee.

These are the screens you’ll see when you go to upgrade to N26 Metal:

The minimum membership for N26 Metal is one year, and your contract automatically renews if you do not cancel your membership at least 4 weeks before the contract expires.

How To Cancel Your N26 Metal Membership

Canceling your N26 Metal membership is as easy as signing up: in the app, just go to My Account -> N26 Metal -> Cancel. Keep in mind that you should cancel at least 4 weeks before the end of the billing period to ensure you aren’t charged for any additional time with N26 Metal.

How To Sign Up For N26

With N26’s impressive insurance policy, fee-free foreign cash withdrawals, and the app’s ease of use, I really couldn’t be happier as a member of N26 You. It’s made banking a lot easier and cheaper for me, and solved many of the messy problems I had before, mainly expensive and vague travel/medical insurance policies plus spending nearly $100/month in subtle ATM and currency exchange fees.

To sign up, you just need to provide standard personal information (name, date of birth, etc.), a valid ID or passport, and an address within one of N26’s supported European countries. As I write this, the list includes Germany, Austria, Ireland, France, Spain, Italy, Netherlands, Belgium, Portugal, Finland, Lithuania, Latvia, Luxemburg, Slovenia, Estonia, Greece and Slovakia.

Once you’ve signed up, verified your ID in the app and paired your smartphone, they’ll send you your free MasterCard in the mail. Mine took just 2 days to arrive, and it comes in a pretty sleek package. Comment below if you have questions about N26 and I’ll do what I can to answer them, or you can also reach N26’s Support team via their app or website.

FAQs About N26

Can I use N26 if I’m not a European citizen?

Is TransferWise Safe To Use?

YES. Millions of people, including myself, use TransferWise (the currency conversion platform that N26 has partnered with) to send money to international friends or businesses every month. They’re a completely reputable money transfer service, and unlike other banks, you receive regular updates on the status of your transfer as it’s being sent. Due to their unique approach to currency conversions, you pay about 8x less in fees than you would by sending money through a traditional bank. There have been zero reported cases of TransferWise fraud. Based in London, we reviewed TransferWise here.



Update: As of January 18, 2022, N26 has officially stopped operating in the USA. Americans living abroad can still sign up for N26 here. Last year, I wrote the most comprehensive N26 bank review on the Internet, which has since been read by tens of thousands of 

Reseña de N26 (2022)

Reseña de N26 (2022)

Después de años de probar una variedad de bancos tradicionales y en línea, descubrimos que N26 es la mejor experiencia bancaria que ofrece beneficios realmente impresionantes a tarifas extremadamente bajas. Con características como retiros de cajeros automáticos en todo el mundo gratuitos, cobertura de seguro 

Reseña del Seguro SafetyWing 2022

Reseña del Seguro SafetyWing 2022

SafetyWing es un plan de seguro médico & de viajes de $37 mensuales con una impresionante cobertura médica y dental, $3,000 de covertura de equipajes perdidos y un límite máximo de $250,000.

En otras palabras, ofrece el mejor valor de cualquier plan de seguro médico y de viaje en el mundo.

Registrate en SafetyWing hoy.

¿Qué es el Seguro de SafetyWing?

La creación de tres noruegos que viven en Silicon Valley, SafetyWing es la respuesta de seguro médico y de viaje del 2018. En palabras de SafetyWing, están construyendo la “red de seguridad global para trabajadores independientes en linea y empresarios”. Es el futuro del seguro médico y de viaje para viajeros frecuentes y nómadas digitales por igual.

SafetyWing cubre enfermedades inesperadas y lesiones sufridas en el extranjero, incluyendo gastos de hospitales, doctores y medicamentos recetados. También cubre beneficios de emergencia relacionados con el viaje, como evacuación médica de emergencia, tratamiento dental de emergencia, demora / interrupción del viaje y pérdida de equipaje. Incluso ofrece cobertura en tu país de origen, perfecto para el viajero frecuente que todavía le gusta visitar su hogar de vez en cuando. Los estadounidenses tienen 15 días de cobertura en su país de origen por cada 90 días de su póliza, mientras que todos los demás obtienen 30 días de cobertura en su país de origen por cada 90 días de su póliza.

La política de SafetyWing excluye las mismas cosas que casi cualquier otra póliza de seguro médico de viaje: tratamiento contra el cáncer, afecciones preexistentes (aunque sí incluye el inicio agudo de esas afecciones preexistentes) y chequeos de rutina.

SafetyWing Review

¿Cuánto cuesta SafetyWing?

Al igual que todas las pólizas de seguro, el precio de SafetyWing depende de su edad. Y como puede ver, si planea pasar algún tiempo en los Estados Unidos, el precio aproximadamente se duplica.

Dado que SafetyWing se factura mensualmente, estos precios son constantes ya sea que su póliza dure un mes o un año entero.

Tu EdadPrecio MensualPrecio Mensual (incluyendo USA)

¿Cómo es SafetyWing tan barato?

Así como N26, que utiliza tecnología realmente inteligente para sacudir el mundo de la banca, SafetyWing emplea el pensamiento moderno para sacudir los seguros.

Su plan de $ 37 / mes es posible de tres maneras principales:

  1. Sin Intermediarios: SafetyWing elimina a los intermediarios quitando agentes y vendiendo seguros directamente al consumidor.
  2. Una sola política: Si bien la mayoría de las compañías de seguros ofrecen docenas de políticas superpuestas diferentes, SafetyWing solo vende una política, lo que les permite optimizar sus procesos de cierre y ofrecer esa política a un costo mucho menor.
  3. Un enfoque justo: Si incluso un cliente factura sus tratamientos contra el cáncer a SafetyWing por $10,000 de repente, eso significa que todos los demás clientes tienen que pagarlos a través de tarifas más altas. SafetyWing evita esta asimetría de costos al excluir ítems de alto costo y altamente específicos, como el tratamiento contra el cáncer de su política por completo, al tiempo que proporciona cobertura para el inicio agudo de afecciones preexistentes. Los sanos ya no necesitan pagar de más por los enfermos.

¿Qué cubre SafetyWing?

Esto es lo más destacado de la política de SafetyWing:

Visita a la sala de emergenciasNinguno
Centro de urgenciasNinguno
Emergencia Dental$1,000
Inicio agudo de afección preexistenteNinguno
Gastos médicos de emergenciaNinguno
Evacuación Médica de Emergencia$100,000
Interrupción de viaje$5,000
Equipaje facturado perdido$3,000 ($500 per item)
Responsabilidad personal$10,000

*La política de SafetyWing tiene un límite máximo de $ 250,000, lo que significa que no pagarán más de $ 250,000 en un solo período de cobertura. Los artículos sin límite mencionados anteriormente también están sujetos a este límite máximo de $ 250,000.

SafetyWing Vs. Nómadas del mundo Vs. N26

La mayoría de los nómadas digitales y viajeros frecuentes están familiarizados con los planes de seguro de Nómadas del mundo.

Y si eres realmente inteligente, sabes que N26 ofrece un seguro bastante impresionante en su tarjeta N26 Negra y N26 Metal, también.

Así que aquí están los aspectos más destacados de cómo N26 y World Nomads se comparan con SafetyWing, utilizando a una persona saludable de 30 años de Nueva York como nuestro ejemplo. Los cuadros verdes indican qué póliza ofrece la mejor cobertura para ese item en particular:

SafetyWingWorld NomadsN26
Costo mensual*$37 USD$116 USD (Estándar); $169 USD (Explorador)€9.90 ($11 USD) por mes
Emergencia médica$250,000 ($250 deducible por período de cobertura)$100,000Ilimitado
Cancelación de viajeNo$2,500€5,000 ($5,700) (10-20% deducible)
Emergencia dental$1,000$750€250 ($285)
Interrupción de viaje$5,000$2,500 (máximo $250 por día)€5,000 ($5,700) (10-20% deducible)
Equipaje perdido$3,000 (máximo $500 por item)$1,000 (máximo $500 por item)€400 ($450)
Cobertura de responsabilidad personal$10,000NoNo
Cobertura en país natal30 días de cada 90 días (15 días de cada 90 días para los estadounidenses)NoNo
Area de coberturaMundial, excepto Corea del Norte e IránMundialMundial
Enlace a las PolíticasPolíticas de SafetyWingMuestra de políticas de World NomadsPolíticas de N26

*Los precios de SafetyWing y World Nomads son en realidad por un período de 28 días, aunque supongo que son precios mensuales aquí para simplificar
**Si el monto del deducible no figura en la lista, eso significa que no hay deducible para ese item.

Probablemente notarás una tendencia interesante en la tabla de arriba: SafetyWing o N26 son los mejores en cada categoría de items.

Como resultado, quiero presentar una nueva opción:

El combo de SafetyWing & N26

SafetyWing y N26 ambos tienen ofertas de seguros realmente impresionantes.

Sin embargo, cada uno de ellos te deja con algunos vacios.

Es por eso que recomiendo obtener una póliza de seguro SafetyWing y una tarjeta N26 Negra o Metal para garantizar que estés más que cubierto en cada escenario.

Para mostrarles lo que quiero decir, he combinado las dos columnas del cuadro anterior para mostrarles cómo es un plan de seguro SafetyWing + N26:

SafetyWing + N26
Costo mensual$37 + $11 = $48 por mes
Emergencia médicaIlimitado
Emergencia dental$1,000
Cancelación de viaje€5,000 ($5,700) (10-20% deducible)
Interrupción de viajes$5,000
Equipaje perdido$3,000 (máximo $500 por artículo)
Cobertura de responsabilidad personal$10,000
Cobertura en país de origen30 días de cada 90 días (15 días de cada 90 días para los estadounidenses)
Area de coberturaMundial (excluye Corea del Norte e Irán por algunos beneficios)

¿Estás comenzando a ver por qué estoy tan entusiasmado con esta combinación?

N26 Black + SafetyWing ofrece la mejor combinación de seguro a bajo costo para nómadas digitales y viajeros frecuentes. Por solo $48 / mes, recibes una cobertura de clase mundial que te respalda en cada escenario posible.

Registrate en SafetyWing y N26 hoy.


Planiando el escenario

Si todavía no estás convencido de por qué la combinación de SafetyWing y N26 es la mejor opción para los nómadas digitales y los viajeros frecuentes, revisemos algunos escenarios para ver cómo respondería cada una de estas compañías. En cada escenario, supón que eres un viajero saludable de 30 años de Nueva York.

Escenario 1: Tratamiento de emergencia dental

Te atropella un auto mientras cruzas la calle y necesitas ver a un dentista de inmediato.

SafetyWingWorld NomadsN26
Costo por año$480$1,408€118.80 ($135)
Pago por trabajo dental$1,000 pagado de $1,000 de tarifa dental, haciendo el costo para ti $0$750 pagado de $1,000 de tarifa dental, lo que te cuesta $250€250 ($285) pagado de $1,000 de tarifa dental, haciendo el costo para ti $715

Gnador: SafetyWing
Subcampeón: N26

Escenario 2: ser asaltado

Llegas a un nuevo país, obtienes $600 del cajero automático y te diriges al centro.

Es tarde y tu taxi te deja a unas pocas calles de tu hotel, pero no te importa, te brinda una oportunidad rápida de explorar el vecindario.

Pero antes de que te des cuenta, cuatro hombres aparecen de la nada y te tiran al suelo. Te resistes, pero simplemente hay demasiados. En unos segundos, te despojan de tu iPhone, billetera y MacBook.

SafetyWingWorld NomadsN26
Costo por año$480$1,408€118.80 ($135)
Pago por artículos robadosiPhone: $0
MacBook: $0
Cash: $0
iPhone: $500
MacBook: $500
Efectivo: $0
iPhone: €300 – €50 deducible = €250 ($285)
MacBook: $0
Efectivo: €500 ($570)

Ganador: N26
Subcampeón: World Nomads

Escenario 3: equipaje perdido

Tu aerolínea pierde tu equipaje facturado, que tenía tu MacBook, iPad, cámara DSLR, dron y otros artículos valiosos dentro. Después de varias semanas de mantenerlo en el limbo, la aerolínea finalmente admite que tu maleta se pierde irremediablemente.

SafetyWingWorld NomadsN26
Costo por año$480$1,408€118.80 ($135)
Pago por equipaje perdidoMacBook: $500
iPad: $500
DSLR Camera: $500
Dron: $500
Otros items (colectivamente): $1,000
*SafetyWing reembolsa un máximo de $500 por artículo y un total de $3,000 en el caso de pérdida de equipaje.
MacBook: $500
iPad: $500
DSLR Camera: $0
Dron: $0
Otros items: $0
*El plan estándar de World Nomads reembolsa un máximo de $500 por artículo y un total de $ 1,000 en el caso de pérdida de equipaje.
€400 ($455)
*N26 reembolsa un máximo de €400 ($455) en caso de pérdida de equipaje.

Ganador: SafetyWing
Subcampeón: N26

Escenario 4: Seguro de responsabilidad personal

El cartero se desliza por la acera helada frente a tu casa, se rompe el brazo y decide demandarte. Mientras retrocedes tu automóvil fuera del camino de entrada, chocas y matas el árbol de 100 años del vecino. Accidentalmente causas algún daño en el lobby del hotel donde te hospedas en París. Supongamos que cualquiera de estos tres escenarios genera una factura de $ 10,000.

SafetyWingWorld NomadsN26
Costo por año$480$1,408€118.80 ($135)
Pago por daños$10,000$0$0

Ganador: SafetyWing
Subcampeón: N26

Seguro de responsabilidad personal:un importante bono de SafetyWing

El seguro de responsabilidad personal es lo que te protege cuando cometes un error, o simplemente cuando algo sale mal en un área de la que eres responsable, como tu hogar.

Y como puedes ver en el Escenario 4, tener una cobertura de responsabilidad personal puede marcar una gran diferencia.

El seguro de responsabilidad personal normalmente no viene con viajes o paquetes de seguro médico de viaje, entonces solo por el hecho de que SafetyWing lo haya incluido es una gran ventaja.


Las debilidades de SafetyWing

Investigué muy a fondo en las políticas de SafetyWing, World Nomads, N26 y otros proveedores de seguros más tradicionales, y solo encontré un inconveniente real con SafetyWing: su débil oferta de seguro de demora de viaje.

Todo lo demás, desde su cobertura médica de emergencia hasta el seguro de interrupción de viaje y una póliza de equipaje perdido extremadamente generosa, era realmente impresionante.

Pero aquí está la cosa: cuando combinas SafetyWing con N26, el seguro de retraso de viaje débil desaparece.

¿Por qué? Porque la cobertura de retraso de viaje de N26 es muy, muy buena.

Hasta €5,000 ($ 5,700) por un viaje cancelado o interrumpido, y hasta € 400 ($ 450) si tus viajes se retrasan más de 4 horas.

Aparte de eso, hay solo otras dos cosas más pequeñas: objetos perdidos / robados y los deportes de aventura que han elegido excluir.

Para asegurarme de que tenía todos los detalles 100% correctos, hablé con el equipo principal de SafetyWing al escribir esta reseña, y me dijeron que en el primer trimestre del 2019, lanzarán una nueva oferta de seguro más avanzada que cubre cosas como el robo y el resto de los deportes de aventura que actualmente excluyen.

Este nuevo plan costará un poco más que su plan actual de $ 37 / mes, pero también tendrá un límite máximo de cobertura de $1 millón (en comparación con $250,000 actualmente), un poco más de tranquilidad para el viajero preocupado.

Estas son solo otras razones para combinar SafetyWing con tu tarjeta N26. Como viste en el Escenario 2 anterior, la política de N26 tomó el mejor cuidado de sus usuarios después de ser asaltados.

El usuario ideal de SafetyWing

Si cumples con estos tres criterios, SafetyWing está diseñado específicamente para tí:

  1. Fuera de USA: Definitivamente todavía puedes ser be estadounidense siempre que la mayoría de tus viajes en un año determinado se realicen fuera de los Estados Unidos.
  2. Adictos sin equipo: No viajas con muchos equipos caros. Por equipo costoso, no me refiero a una MacBook, un iPhone y algunos auriculares BOSE aislantes de sonido, estas son exactamente el tipo de personas para las que SafetyWing está diseñado. Estoy hablando de equipos de fotografía de primera línea, drones de calidad profesional y otros productos electrónicos con un valor de $5,000 o más por pieza.
  3. Buscadores sin emoción: De nuevo, No estoy hablando acerca de cosas como el surf y la escalada de roca, todas están cubiertas por SafetyWing. Estoy hablando de serios buscadores de emociones, personas que practican el heli-ski, saltan bases y pilotean sus propios globos aerostáticos. Ver página 19 de las políticas de SafetyWing para obtener una lista completa de deportes y actividades que no cubren (si no te consideras un verdadero buscador de emociones, probablemente no necesites leer la lista).

Cómo encontrar un proveedor médico mientras estás en el extranjero (A.K.A.Qué hacer en caso de emergencia)

SafetyWing ha hecho que encontrar un proveedor asegurado sea tan fácil como escribir tu ubicación en su sitio web.

Simplemente inicia sesión en, selecciona “Buscar hospital o médico” en el menú principal y busca en su red mundial de médicos, hospitales y especialistas calificados el más cercano.(Nota: Necesitas iniciar sesión para ver su lista de proveedores, aunque puedes ver la lista antes de comprar un plan).

Cuando llegues, muestrale al médico o enfermera tu ID de SafetyWing (es una tarjeta digital en tu perfil en línea). A veces, aunque no siempre, enviarán tu factura directamente a SafetyWing y sus proveedores de seguros.

Una vez que envíes tu Declaración de solicitante para explicar lo que pasó, todo está listo.

Como estoy en Bangkok mientras escribo esto (sí, yo también soy un nómada digital), hice una búsqueda rápida en para ver qué proveedores están disponibles en Bangkok. Hay catorce proveedores en total, incluido Bumrungrad International, que regularmente es nombrado uno de los diez mejores hospitales del mundo en cuanto a calidad de servicio y tecnología.

SafetyWing Review - Bangkok Providers

Luego busqué Toronto, mi ciudad natal, para ver qué hay disponible allí. Como era de esperar, todos los principales hospitales: Mount Sinai, Princess Margaret, St. Joseph’s, Toronto General e incluso Sick Kids, están todos allí. El galardonado instituto Bochner Eye, reconocido como uno de los mejores centros de atención ocular de Canadá, también está en la lista.

SafetyWing Review - Toronto Providers

Como registrarte en SafetyWing

  1. Ve a SafetyWing website here y haz click en Registrarme en la esquina superior derecha. No necesitas ningún código de promoción / cupón o código de invitación para obtener el plan de $37 / mes; todos tienen acceso a eso.
  2. Click en Registrar, y luego regístrate con tu dirección de correo electrónico o cuenta de Facebook. ¡Ingresa la información personal básica (nombre, país de residencia) y estará listo! Te has registrado con éxito en SafetyWing.

SafetyWing FAQs

Como cancelar el seguro de SafetyWing

Cancelar tu suscripción a SafetyWing es tan fácil como cancelar tu suscripción a Spotify: simplemente inicia sesión en tu sitio web y haz click Cancelar. Si cancelas tu suscripción a mitad de mes, permanecerá activa hasta el final del mes que ya pagaste.

¿Cómo presentar un reclamo de emergencia con SafetyWing?

Marca el número de teléfono de tu representante local como se muestra en esta lista aquí (Recomiendo guardar este archivo y mantenerlo en un lugar fácil de encontrar mientras viajas).

Si no puedes comunicarte con tu representante local, llama a su oficina global al + 1-317-262-2132.

Cuando te soliciten tu código de cuenta, marca 911411#. El agente que te responda te indicará cómo proceder.

Si necesitas presentar un reclamo médico, puedes hacerlo en línea enviando un correo electrónico esta forma a o enviando por correo la factura original y los recibos de pago a esta dirección:

Tokio Marine HCC – MIS Group
P.O. Box 2005
Farmington Hills, MI, USA

Todos los reclamos deben presentarse dentro de los 60 días posteriores a la finalización del período del seguro.

¿A dónde puedes viajar con el seguro de SafetyWing?

SafetyWing es válido en todos los países del mundo, excepto Corea del Norte e Irán.

¿Califico para SafetyWing?

Sí! La única calificación real para unirte a SafetyWing es que pases la mayor parte de tu tiempo fuera de tu país de origen. Eso significa que SafetyWing es apropiado para personas en cualquiera de estas situaciones y más:

  • Nómadas digitales y viajeros frecuentes que pasan 10 meses o más fuera de su país de origen anualmente
  • Expatriados que viven en el extranjero
  • Trabajadores extranjeros que viven y trabajan en otro país

¿Por qué debería confiar en SafetyWing? ¿Es SafetyWing una estafa?

No solo confíes en mi palabra.

SafetyWing participó en la cohorte de invierno del 2018 Y Combinator, el acelerador de arranque de Silicon Valley-based que es conocido por ser el mejor del mundo. Eso significa que se están uniendo a empresas como Airbnb, Dropbox y Reddit como compañías graduadas de Y Combinator.

Además de la bendición de Y Combinator, SafetyWing también ha recaudado alrededor de $500,000 de inversores como NordicVest Angels, la Autoridad de Inversión de Noruega y otros inversores individuales. Sus fundadores provienen de Noruega, después de todo.

Por el lado de seguros, SafetyWing ha contratado a expertos superiores en seguros con más de 30 años de experiencia en la industria para establecer sus planes. Se han asociado con el gigante mundial de seguros Tokio Marine para todos sus planes, suscritos por Lloyd’s. Uno de sus fundadores (Hans Kjellby) también es abogado, lo que no hace daño en esta industria.


¿Qué deberian saber los estadounidenses acerca de SafetyWing?

Dado que el sistema de salud de los Estados Unidos es mucho más costoso que en cualquier otro lugar del mundo, hay dos cosas claves que los estadounidenses deben saber sobre el uso de SafetyWing:

  1. SafetyWing no es mas costoso para estadounidenses: A diferencia de muchos proveedores de seguros, World Nomads es un ejemplo perfecto, SafetyWing cobra a los estadounidenses exactamente lo que les cobran a los demás: $ 37 / mes.
  2. Los estadounidenses reciben menos cobertura en el país de origen:Los estadounidenses solo reciben 15 días de cobertura del país de origen por cada 90 días de su póliza, que es la mitad de lo que reciben los ciudadanos de todos los demás países. Esto no es un problema si eres como muchos nómadas y solo pasas unas pocas semanas en casa cada año.
  3. SafetyWing no es elegible para el cuidado asequible de acto: Vale la pena señalar que SafetyWing no califica para la cobertura disponible bajo la Ley del cuidado de salud a bajo precio, por lo que, si esa es tu razón principal para inscribirte, deberás buscar en otro lado. Sin embargo, para cualquier persona que viva y trabaje en los Estados Unidos pero que no tenga un pasaporte estadounidense (es decir, trabajadores extranjeros de México, Canadá o cualquier otro lugar), SafetyWing podría ser la opción de atención médica más asequible que existe.

¿Cuáles son las principales diferencias entre SafetyWing y World Nomads?

  1. SafetyWing es 1/3 del costo: SafetyWing cuesta un tercio que World Nomads. Normalmente con una diferencia de precio como esta, esperaría ver algunas deficiencias graves en la cobertura de SafetyWing, pero en realidad no las hay. Ya he explicado lo que creo que es la principal deficiencia de SafetyWing, pero a pesar de todo, ofrece una política aún mejor por un tercio del costo de World Nomads.
  2. SafetyWing te da más flexibilidad: SafetyWing usa un modelo de subscripción mensual (es decir, pagas por mes y puedes cancelar cuando lo desees, al igual que Spotify), mientras que World Nomads, y casi todos los demás proveedores de seguros, requieren que tomes una póliza de duración predeterminada. Las compañías de seguros adoran las pólizas fijas, ya que a) reciben una gran cantidad de dinero de sus clientes por adelantado, y b) generalmente no son reembolsables si tu viaje de 6 meses termina después de 3 meses. SafetyWing arroja todo esto por la ventana y opta por la simplicidad y la equidad de una suscripción mensual.
The Best Brokers In The Netherlands

The Best Brokers In The Netherlands

After researching dozens of online platforms and personally testing the most highly recommended of them, we strongly believe is the best online trading platform in the Netherlands. With zero fees on intra-day trading, a lightning fast web platform and their proprietary Negative Balance Protection, 

N26 North Macedonia

N26 North Macedonia

Last year, I wrote the most comprehensive N26 bank review on the Internet, which has since been read by tens of thousands of travelers, digital nomads and online banking enthusiasts from every corner of the world. Yet as all-encompassing as it is, I’ve had plenty of North 

The Best Brokers In Switzerland

The Best Brokers In Switzerland

After researching dozens of online platforms and personally testing the most highly recommended of them, we strongly believe is the best online trading platform in Switzerland. With zero fees on intra-day trading, a lightning fast web platform and their proprietary Negative Balance Protection, gives you the best chance at financial success with a clean, easy-to-use interface.

Sign up for today.

The fact that you’re reading this tells me you know how tough it can be to find a good online trading platform in Switzerland. There’s so much information out there that just getting started with a stockbroker in Switzerland can be overwhelming.

That’s why we wrote this guide: to cut through all the nonsense and give you a clear, pointed answer of who you should open your trading account with. We’ve researched dozens of online trading platforms from all over the world, tested many of them, and have paid particular attention to local Swiss brokers as well.

By the end of this post, you’ll have all the tools and information you’ll need to make your first online trade within the next 15 minutes. And no, that’s not an exaggeration. Let’s get started.

#1 Who This Guide Is Written For

This post is geared at a few specific groups of people:

  • People living in Switzerland looking to amplify their wealth
  • People looking at moving to Switzerland seeking an income stream to sustain their lifestyle
  • Current or past professional traders looking to trade and profit outside of the office
  • Frequent travelers looking to trade part-time while on the road
  • Anyone else interested in learning about CFD trading in Switzerland, forex, cryptocurrency, and the ins and outs of day trading

If you fit into one (or several) of these groups, read on. If not, this probably isn’t the right guide for you, and you may want to do some more Googling around.

#2 Who This Guide Is Not Written For

There’s one group of people that the recommendations in this guide are not appropriate for: absolute beginners. If you don’t know what “forex” means, you’re in the wrong place. I can’t recommend anyone lacking a base understanding of financial knowledge—whether you’ve gained that understanding through your career, courses at university, or by teaching yourself online and with books—to start trading, since the odds are very high that you’ll lose money. If you don’t know the basics of trading equities, forex pairs and CFDs, go do your homework and come back later. You’ll be in a much stronger position when you’re ready to actually start trading, and you’ll be glad you waited.

(Note: Many online trading platforms, including the one I highly recommend, allow beginners to trade with paper (fictional) money while they get the hang of things. Still, please do not trade with your hard-earned money if you aren’t confident that you know what you’re doing. Losing money is not fun.)

#3 Our Selection Process

If you’re like most people, you want a few specific things out of your online trading platform:

  1. Low or Zero Fees: This is key for day trading, where bid-ask spreads can already take a big chunk out of your profits.
  2. Speed: Since you’ll be day trading, having up-to-the-second prices is extremely important. Any platform that has delayed pricing or causes your laptop to run slowly is no good.
  3. Ease of Use: Ease of use is crucial. When you’re in the heat of a trade, with thousands of dollars on the line, the last thing you want is a clunky trading platform that causes you to make a mistake. As such, we’ve only considered trading platforms that have intuitive, easy-to-use interfaces combined with robust back-ends that are powerful enough to handle all of the transactions you want to make.
  4. Compatible With Switzerland: I don’t mean that the platform has to be exclusive to people living in Switzerland. I mean that it needs to work extremely well with Switzerland’s existing infrastructure. For example, the platform needs to accept the most common funding methods in Switzerland, allow both Swiss citizens and foreigners living in Switzerland to sign up and start trading with ease, and offer customer support in timezones that match with the waking hours of Switzerland.

With these four primary criteria in mind, we dug into dozens of online reviews about these platforms to see what long-time users were saying. We used these reviews to select the top twelve for our own round of testing, where we tested them on just about everything we could think of.

One early thing we noticed was that just about every platform was bound by a lot of regulatory oversight, which makes for a horrible signup process, or it had high/hidden commissions and fees. There were a few that performed well, though, and one that stood out from the pack as being far better than the rest.

We ranked each platform on more than a dozen metrics. We found these to be the most telling:

  • Price Accuracy: Using a script that logs equity prices in real-time, we retroactively compared each platform’s prices over multiple intervals with the prices provided by a Bloomberg terminal, which was used as our control. The closer a platform’s prices were to the Bloomberg terminal, the more accurate we deemed the platform to be.
  • Bid-Ask Spread: At the same time as we captured prices, we also captured bid-ask spreads and compared them in real-time to the price of the underlying equities. Lower bid-ask spreads are better, of course.
  • Commissions & Fees: We looked at commissions and fees on everything: funding your account (using various methods), per-trade fees, bid-ask spreads, overnight fees, withdrawal fees, monthly or annual membership fees, and any other miscellaneous fees we could find that would be relevant to a regular user. Some platforms had extremely high fees (eg. $200 USD) to solve very unlikely circumstances, but we opted to ignore these fees, since 99+% of users would never find themselves in those situations.
  • Customer Support: Each of our testers was given a unique set of scripts to simulate common and uncommon problems they would pose to each platform. They measured response time and indicated the quality of support they received.
  • Ease of Use: This is a subjective metric, but still an important one. We measured ease of use by having each of our testers perform a series of tasks (buying an equity, setting a stop-loss, funding their account, and more) and recording both how long those processes took and whether they encountered serious difficulty or frustration in doing so.
  • Signup Speed: We had multiple Swiss citizens, plus multiple foreigners living in Switzerland (of various nationalities), sign up for each of the platforms and logged how much time it took them to be approved, from when they first reached the website to when they were in a position to make their first trade.

After looking at all of this data, both qualitative and quantitative, we identified three online trading platforms that stood out from the rest. None of them were Switzerland-specific platforms, since our in-depth research process told us that none of the local competitors were quite as good as these international heavyweights. However, because so many people in Switzerland really love some of the other players—platforms like DEGIRO, Swissquote, and Saxo Bank—we’ve included side-by-side comparisons of each of those below. Many of the costs included below are in $ USD, since that’s the currency these online trading platforms use.

Here’s a side-by-side comparison of the top three.

Capital.comInteractive BrokerseToro
Minimum Initial Deposit$0$0$200
Inactivity Fee$0$10/month$5/month (after 12 months)
Funding & Withdrawal OptionsExcellentPoorExcellent
Withdrawal Fee$0$0$25
Intra-Day Trading Fee$0$0.005 per share (minimum $1 per trade)$0
Price AccuracyExcellentExcellentExcellent
Bid-Ask SpreadExcellentExcellentAverage
Commissions & FeesExcellentGoodAverage
Customer SupportExcellentExcellentAverage
Ease Of UseExcellentPoorGood
Signup SpeedFastSlowFast

A quick look at this chart makes one thing extremely clear: is the best online trading platform in Switzerland. With an easy-to-use web and mobile interface, extensive (and free) funding and withdrawal options and zero fees on intra-day trading, it’s an ideal choice for most people. vs. eToro

We like over eToro for a number of reasons, but mainly because it has much lower fees:

  • Zero Withdrawal Fees: eToro charges a $25 fee on every withdrawal regardless of size. never charges a withdrawal fee.
  • Zero Inactivity Fees: eToro has an inactivity fee of $5/month after 12 months of inactivity. never charges an inactivity fee.
  • Zero Currency Conversion Fees: eToro’s currency conversion fees are high when you fund your account with a currency other than USD. allows you to hold currency in any of British Pounds (GBP, £), Euros (EUR, €), U.S. Dollar (USD, $), or Polish Zloty (PLN, zł), so you probably won’t need to convert currency to fund your account. I recommend funding your account with your N26 Black or N26 Metal account to ensure your account gets funded ultra-fast and with zero fees.

eToro is good, but it imposes a lot more fees than, including fees that don’t provide any value to users (eg. inactivity fees). That, combined with’s tighter bid-ask spread and better customer support give us full confidence that is a better choice than eToro. vs. Interactive Brokers (IBKR)

We like over Interactive Brokers (IBKR) for a number of reasons:

  • Funding & Withdrawal Options: Probably the biggest pain-in-the-ass when it comes to IBKR is that you can only fund and withdraw money from your account by way of a wire transfer. This was fine a number of years ago when banking was done in branches, but today, it’s completely unacceptable. Interactive Brokers won’t accept funds from debit cards, credit cards or PayPal, nor will it pay out in any way other than a bank wire. works with just about every payment you can imagine, and I regularly fund my account from my N26 bank account, where the money arrives in less than thirty seconds.
  • Ease Of Use. Anyone who has used IBKR knows that their interface is powerful, but far from intuitive. The app often has users going in circles and doesn’t make it clear how to perform simple transactions like buying and selling an equity. The web interface is no better. By contrast, both’s app and web interface are extremely intuitive and easy to use.
  • Zero Inactivity Fees. IBKR charges a $10 monthly inactivity fee, and even if you use your account in a given month, they’ll still charge you at least $10. For example, if your trades for the month add up to $4 in commissions, IBKR will charge you $6 more on top to ensure they get their $10 per month. never charges any monthly fees.

Interactive Brokers is a fine option, but it can be both difficult and expensive to fund your account with them since you can only pay with a bank wire. This is a particularly big problem for those of us in Switzerland, where banking infrastructure is quite different from those of the United States and much of Europe. Plus, IBKR’s clunky, non-intuitive interface feels archaic next to’s sleek, modern user experience. We’re very confident that most people will prefer over Interactive Brokers.

 #4 Is The Best Online Trading Platform In Switzerland

Founded in 2016, is one of the largest investor-centered financial technology (“fintech”) companies in the world. It serves more than 300,000 clients of all experience levels, who buy and sell millions of financial instruments through contracts-for-difference, also known as CFDs.’s artificial intelligence-based app allows traders to leverage the power of artificial intelligence to trade CFDs on a range of financial instruments, including stocks, cryptocurrencies, indices, forex pairs, commodities and more. For traders looking for a more sophisticated way of approaching the markets,’s AI-driven platform has the answer.

Other review posts only seem to mention a few of the site’s features, and are quite brief when comparing its advantages and disadvantages. I prefer to be much more thorough, so the information below should help guide anyone looking for a better, smarter way to trade financial instruments through CFDs.

The Best Trading Platforms In Switzerland -
This is how’s trading platform looks, very similar to a Bloomberg terminal

#5 Features Of

Most people find themselves falling into one of two distinct modes on Learning Mode and Trading Mode.

In Learning Mode, you can study the markets, learn the basics of trading CFDs, and brush up on breaking news in your specific areas of interest. These are the features you’ll enjoy in Learning Mode:

  • Free financial webinars
  • Educational courses for traders
  • Extensive markets glossary
  • Comprehensive CFD trading guide
  • Cryptocurrency trading tutorial
  • Investmate,’s investor education app

In Trading Mode,’s artificial intelligence helps you to confidently navigate through market ups and downs and decide what and when you want to trade. In short, lets you trade from a position of both power (based on its AI) and knowledge (based on its financial tutorials and materials). These are the features you’ll enjoy in Trading Mode:

  • Mobile trading app
  • Robust web trading platform
  • Real-time prices
  • Real-time financial news
  • Stops & limits
  • Negative Balance Protection on levered trades
  • Competitive swap rates
  • Hedging mode
  • Risk management tools
  • 70+ tech indicators
  • Trader sentiment

What is it like to trade on

If you’re familiar with the look and feel of a Bloomberg terminal, then you’ll feel right at home with the trading platform.

If not, though, you certainly won’t be left in the dark.

When I first began trading on, I was truly surprised with how easy and simple using the site was. I learned my way around the platform in a matter of minutes, and made my first successful trade less than 10 minutes after beginning the signup process.

What’s even better is that as I used the platform over the ensuing days and weeks, I discovered additional depth and functionality that surprised me even more. The trading platform has managed to be simple without being simplistic.

Three Quick Benefits Of Trading On

  1. No Fees: That’s right, there are no fees when you day trade with If you hold your positions overnight, you will be charged a very small (0.001% to 0.05%) fee, which is extremely good when compared to the fees and commissions many other platforms charge, which are often 0.5% or more per trade.
  2. Easy To Use: This couldn’t be more important to me. I’m not a professional trader (ie. I don’t work at a bank or hedge fund), so I like my trading platform to be straightforward enough that I can understand it easily, yet robust enough that it can do everything I need it to do. strikes this balance perfectly.
  3. Lightning Fast: My laptop is getting older, so it slows down quite a bit when I overload it, especially in Google Chrome. Yet’s trading platform has never slowed down or frozen my laptop. Not even once. I see up-to-the-second price updates coming in all the time, and I have no problem whatsoever trading with real market data in real time.

You can try out the trading platform completely free before verifying your identification or funding your account. Just sign up below to take a look around.

What equities and financial instruments can you trade on

The short answer: all of them.

The entire marketplace is at your fingertips at For clarity and ease of use, each type of security has its own page on the website, but here’s the general breakdown:

  • Stocks/Equities: Stock CFDs are one of the best ways to take advantage of general or niche market trends. gives traders the ability to personalize your experience and deal with targeted areas of the market or whole swaths of economic activity at once. Currently you can trade on equities from stock markets in the following countries: United States, United Kingdom, Germany, France, Hong Kong, Italy, Norway, Russia, Spain, Sweden, Switzerland.
  • Indices: Trade CFDs backed by indices, with nearly 20 of the most heavily-traded global indices—including the S&P 500, the NASDAQ 100, the Dow Jones 30 and the FTSE 100—sorted however you want to see them: based on volatility, biggest gainers, biggest losers, or most traded. Configure charts for any time frame that makes sense for you: hourly, daily, weekly, monthly, etc.
  • Forex: It’s easy to trade global currencies via CFDs when you have access to nearly 100 of the most-traded currency pairs. Each pair listed on features up-to-the-second buy/sell data and change percentages. Every instrument listed comes with a full range of functionality so you can use targeted charting, view volatility and examine risers and fallers, or hone in on trading volume.
  • Commodities: Play the popular world markets like oil, natural gas, gold, silver, and copper, as well as less popular markets like orange juice, carbon emissions and palladium all from a single platform, all based on real-time data and 100% functional capability.
  • Cryptocurrency: Trade more than two dozen of the world’s most relevant cryptos, including Bitcoin (BTC), Ethereum (ETH), Ripple (RPL), Litecoin (LTC) and Bitcoin Cash (BCH) with the added security of not owning them, not having to fret about liquidity, and having access to a wealth of trading data before making a move.

The Best Trading Platforms In Switzerland - Indices

#6 Comparing The Best Stock Brokers In Switzerland

After doing our global research and isolating as the best trading platform for users around the world, we dug even deeper to ensure that that still held true here in Switzerland. And as we compared the most popular Swiss web platforms, we made a few key discoveries about

  1. Much More Accurate Pricing. Our research showed again and again that nearly all of Switzerland’s trading platforms offer less accurate pricing (and larger bid-ask spreads) than the international platforms. This probably has something to do with currency conversion, since trading on U.S., European and Japanese markets while using francs is going to be expensive. This is something most users overlook, but the small spread differences have a big impact on your profits over time.
  2. Zero Fees. Without exception, all of Switzerland’s online trading platforms charge fees for items that does not. For example, they often charge intra-day trading fees and have high minimum initial deposits (see the chart below), while never imposes either.
  3. Better Interface. While some of the local trading platforms are reasonably well-designed, only DEGIRO comes close to the clean, easy-to-use interface of This doesn’t mean that is trading robustness for simplicity—it’s still more than powerful enough to do everything you want it to do. It means that these trading platforms don’t have designs that are as user-friendly as, and that makes a big difference when it comes to making smart, successful trades.
Capital.comDEGIROSwissquoteSaxo Bank
Intra-Day Trading Fee$00.058% + €40.25%$0.02 per share ($15 minimum)
Minimum Initial Deposit$0$0$0$2,000
User InterfaceExcellentGoodPoorGood

Let’s quickly look at each of these in turn.

Capital.Com Vs. DEGIRO

DEGIRO is a trending Dutch online discount broker, registered with the Chamber of Commerce and Industry in Amsterdam. It is privately owned and was established in 2013 by former employees of another brokerage company. It is considered safe because it is regulated by top-tier financial regulators, the Dutch AFM and DNB.

Here’s why we prefer over DEGIRO:

  • Zero Trading Fees: DEGIRO’s trading fees of 0.058% plus €4 per trade sounds small, but it adds up quickly if you’re doing regular trades. There is a domestic discount if you’re trading locally, but their trading fees are still non-zero. never charges any trading fees.
  • Easier Account Opening Process: Opening an account with DEGIRO takes several days and can be quite a frustrating process, since the location of your primary bank account (not where you hold residence) is what matters. DEGIRO also offers five types of accounts, but not all of them are available in all of the countries they operate in, and you can be banned from using their service if you’re not a resident of one of their approved countries. On the other hand, you can open and verify your account with and start trading within 15 minutes.
  • Far Better Withdrawal Options: DEGIRO has strict rules on bank transfer deposits and withdrawals. They only allow transfers from bank accounts in your name from accepted countries. If you want to withdraw your funds, you’re limited to withdrawing via bank transfer (SOFORT and Trustly are not available). has many more withdrawal options, including credit card, bank transfer, debit card, SOFORT, iDeal, Giropay, Multibanko, Przelewy24, QIWI, Webmoney, Trustly, Neteller and Skrill. You’re never charged a fee to deposit or withdraw money with
The Best Trading Platforms In Switzerland - DEGIRO
DEGIRO’s online trading platform interface

Capital.Com Vs. Swissquote

Swissquote is a Swiss investment bank, established in 1996. It has two arms: Swissquote Bank Ltd and Swissquote Ltd. Swissquote Bank Ltd is based in Switzerland and regulated by FINMA, the Swiss financial regulator. It offers trading on stocks, funds, bonds, futures and options. Swissquote Ltd is UK-based, regulated by the FCA (the UK financial regulator), and offers trading on CFDs and foreign currencies.

Here’s why we prefer over Swissquote:

  • Far Lower Trading Fees: Swissquote’s trading fees are prohibitively high: 0.25% on intra-day trades. This alone is enough to send any serious investor looking elsewhere. never charges an intra-day trading fee.
  • Better Withdrawal Options: Swissquote has fast withdrawal but no options for credit cards or electronic wallets. It also charges a withdrawal fee of $10. offers withdrawal to credit cards, and never charges deposit or withdrawal fees.
  • Superior Web Trading Platform: Swissquote’s web platform is certainly powerful, but its search functionality is not very good, and using it gets complicated quickly. Many users complain in online reviews of trying to use the Swissquote platform, but consistently getting confused by its clunky setup.’s interface is extremely easy to use and takes just a few minutes to feel comfortable with.
  • Easier Account Opening Process: Opening an account with Swissquote can often be finished in a single day, but there’s a large possibility that the necessary video identification won’t be available for your location, causing quite a bit of extra work and frustration. We found’s streamlined account opening process to be much simpler and less of a hassle. vs. Saxo Bank

Saxo Bank is another popular web trading platform, but when you look into its fee structure, it really pales in comparison with Here are a few reasons we prefer over Saxo Bank:

  • No Ridiculously High Minimum Initial Deposit: Saxo Bank’s regular minimum initial deposit is $2,000. This is a really high minimum initial deposit, and enough to turn most people off from opening an account with Saxo Bank. has no minimum initial deposit.
  • No Trading Fees: Just like IG, Saxo Bank charges very high trading fees. It charges $0.02 per share on every trade, whether it’s a day trade or not, with a minimum of $15 per transaction. That’s $30 in trading fees just to buy and sell a stock one time. never charges trading fees.
  • No Inactivity Fees: Saxo Bank also charges a $100 inactivity fee every 6 months if your account has been inactive for 6 months. This is extremely high as far as inactivity fees go, especially when you compare it to, which doesn’t charge inactivity fees of any kind.
  • Credit Card Withdrawals: Believe it or not, Saxo Bank doesn’t support withdrawals by credit card. This is a big disadvantage since most users don’t want to wait for their money while it’s in the withdrawal process. It also looks terrible next to, which I regularly fund in less than 60 seconds using my N26 Black card, and have that money back on my credit card within a couple of hours. That’s not an exaggeration— is blazing fast, and that makes a big difference when you’re trading with thousands of dollars on the line.
  • Live Chat: More and more customer service is being done over live chat these days, but Saxo Bank still hasn’t implemented live chat functionality. Many users have also complained that the support staff at Saxo Bank is pushy, and will even call them multiple times to try and get them to fund their account. has live chat, never pressures its users, and offers quick responses over email, too.
The Best Trading Platforms In Switzerland- Saxo Bank
Saxo Bank’s online trading platform interface

#7 Cryptocurrency Trading In Switzerland

You can trade dozens of the most popular crypto pairs via That means Bitcoin, Ripple, Ethereum, Litecoin and dozens more. It’s as easy as checking out the latest market data on a given pair and then making a trade.

Keep in mind that because you’re trading CFDs and not the actual underlying cryptocurrency itself, you won’t need a cryptocurrency wallet to execute these trades (nor will you receive the keys to your crypto assets). This works the exact same way as trading in the commodities markets: when you buy a million kilograms of wheat in the commodities market, no one has to actually deliver the wheat to you. Instead, the option on the wheat is known to be yours, and you can sell it at whatever time you choose.

This is quite a revelation for Switzerland, where trading cryptocurrency is notoriously difficult. In less than ten minutes, you can start trading cryptocurrency CFDs with

Two more bonuses of trading cryptocurrency CFDs with

  1. Margin Trading: Trade with a leverage of 2:1, which allows you to invest twice the amount of money you actually have. That means that if a cryptocurrency jumps by 50%, your return will actually be double that, or a 100% gain.
  2. More Secure: Cryptocurrency trading comes with an inherent amount of risk since you’re generally holding your crypto balances on wallets that you don’t wholly control. When you trade cryptocurrency CFDs, though, you’re actually trading an asset that’s backed by the various regulatory bodies that govern, making the process much more secure and reliable.

#8 My Experience With

My personal experience with has been extremely positive for a number of reasons:

  1. Extremely easy to get started: I made my first trade within 10 minutes of beginning the signup process, which is absolutely unheard of when it comes to joining a new trading platform. Normally it can take days or even weeks to get set up with someone like Interactive Brokers, but has streamlined this process in an impressive way.
  2. Total transparency: I like that whenever I make a trade, everything is laid out in front of me: a description of what I’m buying, how much I’m paying for it, what price I need to sell it for to make my intended profit, etc. Many trading platforms used by professional traders are too overwhelming for the non-professional, but caters to both groups very well.
  3. An incredible app: Of all the apps I’ve tried over the years, has the best trading app hands-down. It’s both intuitive and powerful and gives you AI-led suggestions to help aid you in your trading. I used to do 100% of my trading from my laptop, but more and more I now find myself buying and selling my positions from within the trading app.

I’ve been using to trade stocks (5:1 leverage) and a few forex pairs (20:1 or 30:1 leverage) for the past number of months, and I haven’t encountered any problems yet, big or small.

#9 Pricing & Fees

One of the things I like most about’s fee structure how clear it is:

  1. 0% fees on day trading
  2. 0% fees for deposits, withdrawals, real-time quotes, trade opening/closing, educational materials, charts, or use of indicators
  3. Very small fees (0.001-0.05%) fees on overnight positions

Let’s unpack these individually.

0% fees on day trading: This is exactly what it sounds like—absolutely no fees outside of the bid/ask spread.’s commission is baked into the bid/ask spread, which is always made clear before you execute a trade, so they’ll never surprise you with an unexpected fee. Bid/ask spreads can be as low as $0.00002.

0% fees for deposits, withdrawals, real-time quotes, trade opening/closing, educational materials, charts, or use of indicators: Deposits and withdrawals are completely free, meaning you can pay $1,000 from your credit card and have $1,000 show up in your account moments later (funding your account really is instant like this). In rare instances, does charge fees for inactivity of more than one year ($10 USD for maintenance).

Very small fees (0.001-0.05%) fees on overnight positions: The only time you pay trading commissions with is when you hold your positions (either long or short positions) overnight. Then they charge an extremely low nightly fee, such as 0.001%. For reference, most other trading platforms charge something like a 0.5% commission per trade, which means in this example,’s fee is 1/500 that of the other platforms.

#10 How To Sign Up

There are a few things you need to sign up for

  1. You must reside in one of the following countries: Argentina, Armenia, Austria, Azerbaijan, Bahrain, Bulgaria, Cambodia, Chile, Croatia, Czech Republic, Denmark, Estonia, Finland, Georgia, Germany, Greece, Hungary, Iceland, India, Indonesia, Ireland, Italy, Kuwait, Kyrgyz Republic, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Mexico, Monaco, Norway, Oman, Pakistan, Philippines, Poland, Portugal, Qatar, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tajikistan, Thailand, The Netherlands, Turkmenistan, The United Arab Emirates, The United Kingdom, Uzbekistan.
  2. You must select one of these four currencies: British Pound (GBP, £), Euro (EUR, €), U.S. Dollar (USD, $), or Polish Zloty (PLN, zł).
  3. You need to verify your account. Read below for instructions on verifying your account with a proof of identity and a proof of address.

Verifying Your Account

Once you’ve opened your account, you’ll be eligible to invest up to $2,000. If you want to invest more, though, you’ll need to verify your account within 15 days after opening it with both a proof of national identity (passport, national ID or driver’s license) and a proof of address. For proof of address, you can use any of the following documents, provided they show your full name, address and have been issued in the past six months:

  • A bank statement
  • A letter from your bank with the bank’s logo
  • An online banking screenshot complete with bank logo
  • A credit card statement
  • A household utility bill for electricity, water, gas, TV or your landline phone
  • A tax statement or local authority tax bill
  • A residence certificate

I uploaded my documents (my Canadian passport and a statement from my N26 bank account) on a Wednesday afternoon, and my account was verified within 10 minutes.

If you don’t verify your identity within 15 days, your account will be automatically suspended and only unlocked once your required documents have been uploaded and verified.

#11 FAQs

What About Forex Trading In Switzerland? Can I Trade Forex On

Yes, you can absolutely trade forex on There are hundreds of forex pairs you can trade at a leverage of 30:1. For example, the EUR/USD forex pair trades at 30:1 (3.33%) leverage, which means you can trade $30,000 worth of it with just $1,000 in your account.

Are There Any Geographic Restrictions On Do I Need To Use A VPN?

For security purposes, your IP address needs to be in one of the countries mentioned above when you sign up for If you’re in Switzerland, you won’t face any troubles. If you’re abroad when you sign up, you can use a VPN to redirect your Internet traffic back to Switzerland or to somewhere in Europe so that you’re able to sign up. If you don’t do this, you’ll see a blank screen when you click on the website.

Once your account has been approved, things are much easier. You can freely use the trading platform anywhere in the world without needing any sort of VPN. For example, I’m Canadian, and while I can’t sign up for from Canada (I get the blank screen), I can trade in real-time using their online platform there.

To sign up for, you need to live in one of the ~50 countries mentioned earlier (Switzerland is one of them, of course). Foreigners living in Switzerland can also sign up for an account with

Why Do I See A Blank Screen When I Try To Sign Up For

This means you’re not in Switzerland or another country where is available. There are two ways to fix this:

  1. Wait until you’re back in Switzerland or one of the other countries listed above, or
  2. Use a VPN to redirect your Internet traffic to Switzerland or one of those other locations.
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