A joint account is a shared account where two individuals can access, manage funds, and carry out transactions together.

Both parties must first hold individual Swissquote accounts. One person can then invite the other to create the joint account. The process is fully digital and seamless.

Joint accounts are available only to retail customers. Both users must:

• Already hold an individual Swissquote trading accounts as beneficial owners
• Reside in the same country
• Be adults (minors are not eligible).

At launch, joint accounts are limited to two holders.

Yes. Both holders must reside in the same country, in line with regulatory and compliance requirements.

Swissquote offers an Either-or-Survivor Joint Account. Both holders have equal rights and responsibilities, and each can independently manage the account and carry out transactions.

No. As both holders already have personal accounts with Swissquote, no new documents are required. You will only need to answer a few short questions about the purpose of the joint account.

You can access your joint account via all Swissquote platforms — mobile apps (iOS and Android) and web.

Yes. Each holder has their own secure login, which provides access to both their personal and joint accounts.

No. Personal accounts remain private. Only the joint account is shared.

Yes. The same security measures apply, including two-factor authentication and encrypted access.

Yes. You can move seamlessly between personal and joint accounts within the same Swissquote ecosystem.

Yes. Both holders have equal rights to operate the account independently (payments, trades, card usage). This applies in the first phase of launch.

• Full banking services (debit cards, TWINT, eBill, digital wallets, payments)
• Trading services for collaborative portfolio management
• Shared visibility of balances, transactions, and investments

• Log in securely with your own credentials
• Trade directly from the joint account
• Make payments (transfers, TWINT, eBill)
• View all communications linked to the account
• Enjoy personalised account views

Yes. Each holder can receive their own debit card (Bright or Light) linked to the joint account.

No. Joint account holders are eligible for Bright and Light debit cards only. The Elite card remains available with personal accounts.

No. In the initial phase, the package is the same for both holders. Each holder may request individual cards (Bright or Light) and services linked to the joint account.

Please open the invitation using the link in your email. If the invitation does not appear in the app immediately, try closing the app completely and then tapping the email link again. The invitation should then be displayed.

The following services and solutions are currently not available with, or cannot be linked to, a joint account:

• Invest Easy
• 3a Easy
• Save Easy
• Swiss DOTS
• Options and Futures

We are continuously working to expand the range of services and solutions available to joint account holders, and additional offerings may become available in the future.

No. If you want to change holders, the joint account must be closed and a new one opened.

Under the Terms & Conditions, either holder may close the account without the consent of the other.

The surviving holder retains full control of the account. Once the heirs of the deceased holder are legally confirmed, they also gain rights. From the moment Swissquote is notified of a death, it may take any steps necessary to protect the interests of all parties.

If either holder moves to a different country, Swissquote may close the joint account immediately. This is because both holders must reside in the same country.

You can request closure via eBanking: "Profile & Settings" > "Security Center" > "Account closure".

The joint account must also be closed. Both holders will need to settle or transfer assets before closure.

No. The same fees apply as for standard Swissquote accounts — there are no extra charges.

No. The same conditions apply as for individual accounts.

Your existing joint account was opened under our previous structure, where account ownership and access were shared. Because this setup may include multiple persons or other historical shared access, the account does not meet the technical and regulatory requirements of the new joint account. For this reason, legacy joint accounts cannot be used as the basis for opening a new joint account, but you may create a new one once both persons hold personal accounts.

For regulatory and technical reasons, existing joint accounts cannot be automatically converted. However, both parties can open a new joint account together in a few steps from their personal accounts.

Both holders must each have their own personal Swissquote account. Once both personal accounts are active and verified, one holder can invite the other to open a new joint account together.

Yes. Your existing joint account will continue to operate exactly as today. There is no impact on your access or your ability to use it.

If you currently hold an existing joint account, it will remain fully operational. However, we recommend switching to the new joint accounts for enhanced transparency and flexibility — both holders will have individual logins, personalised access, and a dedicated shared account view.

No, you are free to keep using it. However, if you prefer the new ownership model, you can open a new joint account at any time once both parties have personal accounts.

The new joint account provides:

• Full equality between both account holders
• Independent login credentials
• A better digital experience and access to future features
• Enhanced security and regulatory alignment

Accounts with an active Power of Attorney (PoA) are considered "shared" and are currently not eligible to initiate the new joint account opening. If you wish to use your existing account, simply request a PoA revocation by submitting the Revocation of a Power of Attorney form within the Documents & Forms section of our website. Once the PoA is removed, your account becomes personal again and you will be able to start the joint account opening process.

No. A Power of Attorney (PoA) is not equivalent to a joint account. It provides access rights to someone else's account but does not establish full ownership. The main account holder remains the sole legal owner of the assets and main recipient of all communications.

In addition, PoAs can vary significantly in scope: some allow only limited view-only access, while others permit trading or broader operational rights. However, even the most extensive PoA does not confer the legal status of an account holder, and the PoA can be revoked by the main account holder at any time.

The new joint accounts require two fully identified and onboarded account holders, each with their own personal accounts and credentials, and both becoming full owners with equal rights and responsibilities.

You will need to open a personal Swissquote account first. Once your onboarding and verification are complete, you can invite or be invited to open a new joint account together with another account holder.