Swissquote Bank SA

Swissquote Bank SA is a Swiss-domiciled online bank and multi-asset broker regulated by FINMA and operating as the principal banking subsidiary of Swissquote Group Holding Ltd, which is listed on SIX Swiss Exchange (ticker: SQN). The bank offers access to a wide range of instruments, including equities, ETFs, mutual funds, bonds, options, futures, foreign exchange and contracts for difference, alongside crypto trading and selected staking or yield features, plus banking services such as multi-currency accounts and payment cards primarily for Swiss residents. Market access spans the Swiss, US and major European exchanges and selected venues in other regions. Trading is delivered through web and mobile eTrading platforms, Advanced Trader and MetaTrader 4/5 for FX/CFD, with API connectivity available for automation; market data subscriptions are optional but required for live exchange feeds. Pricing uses tiered transaction commissions by market and order size, a custody fee for securities holdings, currency conversion charges on non-base-currency trades and transfers, and financing or rollover costs for leveraged products; third-party product and exchange fees may apply, and taxes such as Swiss stamp duty or foreign withholding are charged where relevant. Accounts can be funded and withdrawn via bank transfer in supported currencies; payments to third parties are restricted to compliance-verified beneficiaries. Client cash deposits are protected by the Swiss depositor protection scheme (esisuisse) up to CHF 100,000 per client per bank, while custody assets are held off the bank’s balance sheet in segregated form under Swiss law. The group publishes audited financial statements and is subject to Swiss capital and liquidity rules; credit ratings may not be available from major agencies. Leverage entails significant risk; negative balance protection is not universal and depends on product and entity, with FX/CFD services provided by Swissquote Bank SA or affiliated companies (for example, Swissquote Ltd in the UK, regulated by the FCA) based on the client’s domicile, and EU clients may be onboarded by Swissquote Bank Europe SA in Luxembourg under CSSF supervision. Eligibility varies by country and certain nationalities or residencies are restricted. Crypto assets are custodied by the bank or designated partners but are not covered by deposit insurance and carry market, technology and operational risks. Tax documentation includes Swiss tax statements and, for some markets, downloadable or fee-based reports; non-US clients must provide W‑8BEN to access US securities, and local tax treatment depends on the client’s situation. Support is available via phone and secure messaging during Swiss business hours with extended coverage for FX, and research tools include market news, screeners and third‑party data. Prospective clients should compare the bank’s regulated Swiss framework and product breadth against total cost of ownership—particularly custody, currency conversion and small‑ticket order commissions—and confirm which entity, protections and terms apply to their residence and product set.