neon invest: Swiss securities accounts, recurring investing, costs and cash access

neon invest adds a curated securities account to a Swiss mobile banking relationship. Its distinctive combination is no custody charge, percentage-based dealing, whole-unit monthly investing and a CHF-based interface. The main trade-offs are equally concrete: the ordinary order type is market, an instruction entered overnight waits for the exchange, incoming portfolios cannot currently move in kind, and outgoing transfers carry a per-position fee. This is the Swiss resident retail service, not a leveraged forex account.[1][6][7][16][17]

Outside the investment plan, the dealing fee is at least CHF 1. That floor starts to matter below CHF 200 for Swiss shares or ETFs and below CHF 100 for foreign shares. It is a transaction minimum, not a stated account-opening deposit. The investment plan is exempt from the CHF 1 minimum; selected promotional instruments have additional fee relief.[2]

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The app’s product list, instrument factsheet and current quote are more useful than a historical total instrument count. A Swiss-franc trading price does not itself hedge the underlying investment’s currency risk. For a crypto ETP, the issuer and custody structure of the security remain relevant even though it is bought through the same app as an ETF.[3][4]

A reimbursement pending on an eligible trade is not an extra cash balance available before it is credited. These particular offers refund charges; they are not a promise of leveraged trading credit. Nor does an instrument’s inclusion in a purchase-only savings promotion automatically waive the charge on its later sale.[13][14]

A sell instruction entered at midnight can therefore remain exposed to the next morning’s opening price. For a foreign share, the Swiss session may also overlap only partly with trading in its home market. The broker’s spread guide explains why available liquidity matters; this profile does not claim that the app’s execution prices were independently measured.[7][8]

The older introductory article uses a first-of-month example with November 2024 reference prices. The dedicated current timing FAQ gives three selectable dates, so the example is not used as the current schedule. Deleting a future allocation also does not liquidate units that previous instructions already bought.[9][11][10]

The investment plan, a securities holding and spendable bank cash are separate states. The reviewed public material did not establish an exact sale-settlement-to-bank-withdrawal timetable or all payment-review holds. No same-day withdrawal promise is made from an account valuation or a completed sell ticket. Check the available bank balance and the transaction’s settlement record before committing the proceeds elsewhere.[36][12]

For a small diversified portfolio, the number of positions can make the transfer-out bill significant even when custody itself costs nothing. Compare an in-kind exit with sale and repurchase using both institutions’ charges, spreads, market exposure during the gap and any relevant tax consequences. This is a comparison of exit mechanics, not a recommendation to realise a gain or loss.[17][16]

No private excess-investment-insurance policy with a current certificate, per-client amount and shared policy limit was established. Banking-plan travel or purchase insurance should not be treated as portfolio-loss cover. The account provider’s insolvency, a disruption at the app company and a fall in an investment’s price are different events.[36][27][28]

The service guide gives a usual written response target of one to two working days and weekday phone availability of 08:00–17:00 for the specified paid plans. Those are published service descriptions, not measured response times. A dedicated outage-dealing procedure, its execution tariff and a verified emergency securities number were not established; the card-blocking number is not substituted for them.[25][24]

The pension page’s table gives 0.45% below CHF 5,000, 0.44% for CHF 5,000–9,999, 0.43% for CHF 10,000–24,999, 0.41% for CHF 25,000–49,999 and 0.39% from CHF 50,000. Its surrounding text instead says 0.45% up to CHF 10,000. The applied charge needs confirmation at that boundary; the discrepancy is retained rather than silently selecting the cheaper version. These rates are separate from ordinary securities dealing commissions.[33]

The app support guide describes AI-assisted answers to general questions. That does not establish an assistant authorised to choose or execute investments. A recurring investment plan follows the customer’s selected allocations; no native copy-trading marketplace, client-facing autonomous trading mandate or public order API was established in the reviewed product material.[25][10][36]

The two balance measures are not interchangeable: customer bank deposits are cash liabilities, while custody volume measures investments held. Neither is client profit or a guarantee of execution quality. The current imprint places neon Switzerland AG in Zurich; this profile does not present the corporate address as a walk-in advisory branch.[30][26]

Those published tax-document dates describe a completed reporting cycle, not a guarantee for the following tax year. The reviewed sources did not establish an invest-specific inactivity charge, an automatic deactivation clock or a reactivation timetable. The service guide allows account closure through the app, but stopping use or uninstalling it should not be confused with settling open instructions, moving securities and closing the contractual relationship.[19][25][36]

This reference combines broker help pages, dated programme terms, the named bank’s announcements and the deposit scheme’s member directory. It does not report a funded account, execution, payment, device-recovery or support-response experiment. Product restrictions and unresolved contractual details remain scoped to the affected service rather than generalised to the entire brand.