No hidden fees, no small print, no catch.
Plain speaking instead of small print. Hidden fees? Not here. You see how much you’re paying. It’s as simple as that. That’s the willbe promise.
People know each other in Liechtenstein. Distances are short, doors are open. People talk – openly, directly, honestly. That's also the willbe way. And that’s exactly how we approach our pricing: it’s clear, transparent and has no hidden costs. You can see at a glance how much you're paying. And what you’re paying for. That’s the willbe promise.
Cash account
| Account opening and account management | |
|---|---|
| Cash account in EUR / CHF / USD / GBP, held with Liechtensteinische Landesbank | Free of charge |
| Deposits and withdrawals | ||||
|---|---|---|---|---|
| Deposits in EUR / CHF / USD /GBP | Free of charge | |||
| Withdrawals in EUR / CHF / USD /GBP | Free of charge | |||
At willbe, payments are free of charge. However, your own bank may apply additional fees for incoming payments in a foreign currency (e.g. EUR if you have a CHF account, or vice versa). For deposits and withdrawals in US dollars (USD) or British pounds (GBP), external fees may apply depending on the route the payment takes to your bank, as correspondent banks may charge additional costs. willbe has no control over these fees and cannot influence or prevent them. We recommend converting currencies within willbe where possible and sending payments to the correspondent bank in EUR or CHF. |
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Fixed deposit account
| Fixed deposit account in EUR / CHF / USD / GBP | Free of charge |
Gold
| Stored securely in the Liechtensteinische Landesbank vault | 0.50 % of the average balance p.a., charged quarterly – free of charge until the end of 2025 |
| Buying and selling | Settlement free of charge; pricing updated every 5 minutes based on the global market price |
| Physical delivery | CHF 150 flat delivery fee plus bullion fees as per the table |
ETFselect
| LLB Fonds | |
|---|---|
| Buying and selling | Free of charge |
| Account management and custody | Free of charge |
| Savings plans | Free of charge |
| Third-party products (ETF) | |
|---|---|
| Buying and selling (on a one-off basis or via savings plan) (einmalig oder als Sparplan) |
EUR / CHF 2 per transaction abhängig von der Referenzwährung des Kundenkontos |
| Surcharge for orders over EUR / CHF 5,000 |
0.25 % of the order volume |
| Account management and custody | 0.30 % p. a. up to EUR / CHF 25,000 0.25 % from EUR / CHF 25,000 0.20 % from EUR / CHF 100,000 0.15 % from EUR / CHF 500,000 depending on the volume held, based on the reference currency of the customer account. The discount level achieved applies to the total volume |
| Ongoing review and selection of the ETF offering by the research team at Liechtensteinische Landesbank | Free of charge |
When buying and selling ETFs via Swiss brokers, a stamp duty of 0.075 % applies to domestic securities and 0.15 % to foreign securities. We pass this cost on to you. Where possible, we execute orders on exchanges that do not levy stamp duty. Similar charges also apply on Italian, French and UK exchanges, which is taken into account when selecting the trading venue. No hidden interests. No "PFOF". At willbe, we do not receive any payments from third parties for routing your orders. This practice is known as ‘payment for order flow’ – and it can lead to conflicts of interest. We deliberately choose not to engage in this practice, so your orders always come first: fair, independent and executed to the highest possible standard. |
|
Currency exchange
| Markup or markdown on the interbank exchange rate | 0.30 % |
Asset management – willbe Invest
Services included:
|
0.49 % of the average balance p.a., charged quarterly |
| Currency conversion costs within the mandate | 0.30 % |
Service
| Customer support based in Liechtenstein – available by email and phone | Free of charge |
| Deposit protection up to CHF 100,000 | Free of charge |
| Tax report for DE / AT / CH / LI | Free of charge |
| Outgoing securities transfer | CHF 162.– per position |
