Here's the revised article with those sections removed:
Swissquote Launches Joint Accounts: Trade, Invest & Bank Together in Switzerland
published on January 20, 2026
Swiss banking giant Swissquote has revolutionized shared finances in Switzerland with the launch of its comprehensive joint account solution in December 2025. Unlike traditional joint accounts that focus solely on spending, Swissquote's offering uniquely combines banking, trading, and investment capabilities—allowing couples, partners, and families to grow their wealth together.
"We looked at other joint solutions, and all of them offer ways to spend your shared money—but what about ways to grow it?" Swissquote asks on their launch page. This question encapsulates the platform's differentiated approach: joint accounts that go far beyond basic banking.
What Makes Swissquote's Joint Account Different?
Trade Over 3 Million Products Together
Swissquote's joint account isn't just for managing household expenses—it's a fully-featured investment platform. Account holders can jointly:
- Trade stocks, ETFs, bonds across 50+ global exchanges
- Invest in cryptocurrencies through Swissquote's SQX crypto exchange (30+ digital assets)
- Access forex and CFDs for advanced trading strategies
- Build shared portfolios with over 3 million financial instruments
- Use automated investing with the "Invest Easy" tool for portfolio management
This makes Swissquote one of the only Swiss platforms where couples can align their trading strategy alongside their spending habits.
Banking Features Built for Partnerships
The joint account includes comprehensive banking services:
Dual Debit Cards
- Each holder receives their own multicurrency debit card (Bright or Light package)
- Virtual cards available immediately through Apple Pay and Google Pay
- Physical cards delivered within days
- Accepted worldwide through the Mastercard network
Payment Capabilities
- TWINT integration for Swiss mobile payments
- eBill for digital invoicing
- International transfers with competitive forex rates
- Shared visibility of all transactions and balances
No Additional Fees
- Same fee structure as individual Swissquote accounts
- No extra charges for opening or maintaining joint accounts
- No minimum balance requirements
Individual Credentials, Shared Access
One of Swissquote's most innovative features is the dual-access system:
- Each holder gets unique login credentials
- Personal accounts remain completely private
- Joint account accessible to both within the same ecosystem
- Seamless switching between personal and shared finances
- Full security with two-factor authentication for each holder
This architecture solves a common frustration with traditional joint accounts where couples must share login credentials or sacrifice privacy.
Eligibility Requirements
Swissquote has specific criteria for joint account holders:
Must Have:
- Individual Swissquote trading accounts (both holders)
- Residence in the same country
- Adult status (minors not eligible)
- Full identity verification completed
Account Type:
- "Either-or-Survivor Joint Account" structure
- Both holders have equal rights and responsibilities
- Either holder can independently manage the account
- Limited to two holders at launch (retail customers only)
Debit Card Options: Light vs Bright
Swissquote offers two card packages for joint account holders:
Light Package
- Virtual-only debit card
- Apple Pay and Google Pay integration
- Perfect for those who prefer contactless payments
- All core features included
- No physical card to carry
Bright Package
- Physical AND virtual debit cards
- Enhanced perks and benefits
- Full contactless payment support
- Ideal for those who prefer tangible cards
Note: The Elite Debit Mastercard is NOT available for joint accounts—only for personal accounts.
What About Yuh? Joint Accounts Coming Soon
Here's where things get particularly interesting for Swiss neobank users: Swissquote is the banking platform behind Yuh, the popular Swiss neobank that unifies paying, saving, and investing in a single app.
As we detailed in our previous article about Yuh's upcoming features, Yuh has been actively working on launching joint accounts and even engaged customers in May 2025 to help name the feature.
Why Swissquote's Launch Signals Yuh's Imminent Rollout
Since Swissquote acquired full ownership of Yuh from PostFinance in July 2025 and now operates as the sole owner, the technology infrastructure is shared between both platforms. The successful launch of joint accounts on Swissquote in December 2025 means that Yuh's joint account feature should arrive very, very soon.
This is significant because:
- Same Banking Infrastructure: Yuh accounts are held by Swissquote Bank, meaning the backend systems are already capable of supporting joint accounts
- Proven Technology: The dual-login system and account architecture have been successfully tested on Swissquote's platform
- Customer Demand: Yuh has been gathering customer feedback and even soliciting name suggestions, indicating advanced development
- Strategic Alignment: With Swissquote now the sole owner (since July 2025), product roadmap integration is seamless
Important Limitations and Considerations
Geographic Restrictions
Both holders must reside in the same country. If either holder moves to a different country, Swissquote may close the joint account immediately due to regulatory requirements.
Account Holder Changes
You cannot add or remove account holders later. To change holders, the joint account must be closed and a new one opened with different partners.
Legacy Joint Accounts
If you previously held a Swissquote joint account (before the December 2025 relaunch), you cannot convert it to the new structure. Both holders must:
- Each open individual personal accounts
- Then create a new joint account together
Legacy joint accounts continue to function normally, but Swissquote recommends switching to the new model for enhanced transparency and individual login credentials.
Account Closure
Under the terms and conditions, either holder can close the account without the other's consent. This provides flexibility but requires trust between partners.
What Happens in Special Circumstances?
Death of One Holder
The surviving holder retains full control of the joint account. Once heirs of the deceased are legally confirmed, they also gain rights to the account. Swissquote may take protective steps during this transition.
Relationship Changes
If partners separate, either holder can initiate account closure. It's advisable to have clear agreements about joint finances before opening the account.
Swissquote's Competitive Positioning
Versus Traditional Swiss Banks
Traditional Swiss banks like UBS offer joint accounts, but they typically lack:
- Comprehensive trading capabilities
- Low-cost ETF access (Swissquote offers CHF 9 flat rate for "ETF Leaders")
- Cryptocurrency trading integration
- Modern mobile-first interface
- Individual login credentials for each holder
Versus Swiss Neobanks
Swiss neobanks have struggled with joint accounts until now:
- Yuh (Swissquote's own neobank, fully owned since July 2025) has joint accounts in development and should launch very soon given Swissquote's infrastructure is ready
- Neon added a 0.35% foreign currency surcharge in May 2025, making it less attractive, and doesn't offer joint accounts
- Radicant ceased operations in November 2025
- Bank WIR offers joint accounts in their Bank package but without trading capabilities
This makes Swissquote's offering particularly unique: full banking AND trading in a joint account structure that will soon be available through both the professional Swissquote platform and the user-friendly Yuh app.
Versus International Brokers
Platforms like Interactive Brokers offer lower trading fees for high-volume traders, but they don't provide:
- Swiss banking license and CHF 100,000 deposit protection
- Integrated Swiss banking (TWINT, eBill, domestic payments)
- Multicurrency debit cards
- German, French, Italian language support
- Local customer service
Swissquote's December 2025 joint account launch fills a significant gap in the Swiss banking landscape. By combining full trading capabilities (3 million+ products), comprehensive banking services (debit cards, payments, TWINT), and individual security (separate logins), the platform offers couples and partners an unprecedented way to manage shared finances.
The fact that Yuh joint accounts should arrive very soon—given that Swissquote owns Yuh and the infrastructure is already proven—means Swiss residents will soon have a choice between two excellent options:
- Swissquote for comprehensive trading and professional wealth management
- Yuh (coming soon) for simplified, mobile-first joint banking with basic investing
For Swiss residents seeking more than basic joint spending accounts—those who want to trade securities, invest in crypto, and build wealth together—Swissquote's offering represents the most comprehensive solution currently available in Switzerland. And for those preferring a simpler approach, Yuh's imminent launch will provide an accessible alternative on the same trusted banking infrastructure.
The fully digital onboarding process, absence of additional fees, and seamless integration with existing Swissquote ecosystems make it accessible to both new and existing clients. Whether you're newlyweds aligning financial goals, established couples optimizing tax strategies, or partners building shared investment portfolios, Swissquote's joint account provides the infrastructure to trade, spend, and grow together.