Flowbank review 2025

FlowBank review summary

Investing options

4.1

What can I do with FlowBank?

Trade 50,000 products from a range of different asset classes. FlowBank is both a bank and an extensive trading platform, so it combines top-tier regulation with an intuitive trading experience.

The range of products available is enormous, you can trade thousands of stocks from leading exchanges around the world, 50+ currency pairs, and even dabble in cryptocurrency using CFDs and ETFs as well.

What accounts does FlowBank offer?

FlowBank is an online bank that offers trading and investing services. Here’s a list of the services on offer at FlowBank:

There are two types of trading accounts on FlowBank, ‘Classic’ and Platinum. Platinum accounts can access cheaper spreads and commission rates but must deposit at least CHF100,000 to start with.

Products, markets & assets

What products and assets can you trade on FlowBank?

There are more than 50,000 financial instruments available to trade on FlowBank, including stocks, indices, crypto assets, currencies, and commodities. Here’s a breakdown of all the assets available:

What leverage trading options are there?

The maximum leverage available at FlowBank is 1:200 on major currency pairs. Leverage on other assets varies. Here’s a breakdown of the leverage on offer:

What are the spreads?

Spreads on FlowBank are variable depending on the asset. Spreads start from 0.02 on spot gold but are higher for other assets. Here are the spreads by each financial instrument:

Stocks

Which stocks are available on FlowBank?

FlowBank offers stocks from all over the world. FlowBank is based in Switzerland, so Swiss stocks are available to trade with no fees, but stocks from many other countries are available as well. Here’s a list of all the countries and exchanges you can trade stocks from:

What are the fees for buying and selling stocks?

There are no fees on Swiss stocks. Commissions on US stocks, global stocks, ETFs and funds start from 0.15%. Stock CFDs are charged CHF0.02 per share, or 0.10%.

arn rewards.

Forex

What forex pairs can be traded on FlowBank?

FlowBank offers 50+ forex pairs, including all major and minor pairs and a selection of exotics. These are some of the most popular currency pairs available to trade:

What are the minimum spreads for trading forex?

Spreads start at 0.0 on major forex pairs, such as EUR/USD. Spreads on other currencies may be considerably higher.

Commodities

What commodities can be traded on FlowBank?

There are a handful of commodities available on FlowBank. You can trade spot gold, silver, and crude oil, or futures on a range of other metals and energies. Here’s the full list of what’s available:

What are the minimum spreads for trading commodities?

The minimum spread on spot gold is 0.02, but may be considerably higher for other metals.

Deposits & withdrawals

What are the minimum & maximum deposits?

There are no minimum or maximum deposits or withdrawals for most users. But note that you can only deposit and withdraw money via a wire transfer or your credit/debit card. No other payment methods are accepted.

Here the deposit options available.

And the withdrawals:

What are the deposit and withdrawal options fees, limits, and speeds?

You can make a deposit via a wire transfer or from your credit/debit card. Here are the fees and speeds of each option:

Fees & costs

How do FlowBank fees work?

FlowBank charges a commission on some instrument trading, while it makes money through the spread on other assets. 

There are no inactivity or maintenance fees, but you do have to pay a custody fee every quarter, charged at 0.10% of your portfolio up to a maximum of CHF50 per quarter. You will be charged at least the minimum fee per quarter of CHF10.

What are FlowBank’s trading fees?

FlowBank charges commissions on some assets and through variable spreads on others. Here’s a breakdown of the different trading fees you can expect for each asset:

Platforms & usability

What devices can I use FlowBank on?

There is a FlowBank app where you can trade on the go, or you can use the service on your web browser. You can also trade on your desktop using its bespoke FlowBank Pro trading platform, or through MetaTrader 4 or MT5.

Mobile app

The FlowBank app offers a seamless, on the go trading experience, allowing you to place trades easily from your phone. The app offers all the same features as its main web-based platform, so there are 50,000+ assets available to trade across 7 asset classes.

The FlowBank mobile app has almost universally positive reviews, with an average rating of 4.3 on the App store and 4.5 on the Google Play store. It’s easy to track your investments through real-time graphs and an intuitive interface. 

Web trading platform

The most important question any user has is: How easy is it to use FlowBank?

The platform is designed to make it easy for beginners to access the financial markets, while simultaneously offering competitive spreads and commission rates. You can open an account and start trading from a multi-currency account very easily.

The web platform boasts a range of features, including the ability to hold 15+ currencies in a single account, invest in global markets, and a powerful search tool to find investments best suited to you.

Desktop trading platform

FlowBank has a bespoke desktop trading platform, known as FlowBank Pro, which provides access to advanced trading tools and allows you to place multiple trades on different assets at the same time.

Another option is to link your trading account to the MetaTrader software. FlowBank integrates with MT4 and MT5, which is an extremely popular piece of trading software with high volume and professional traders.

Key features

Competitive trading fees

FlowBank’s big selling point is its low cost of trading. It offers the lowest fees in Switzerland, combined with an intuitive trading platform that links individual traders to the whole global market.

Swiss stock trading is free, while thousands of other stocks from around the world are available at highly competitive rates. You can buy stocks in big, popular US companies from just 0.15% commission, or dive into major European markets for the same price.

Free stock to new accounts

When you set up an account and fund it with at least CHF1000, you receive a free stock worth up to CHF500. That’s a great way to get your portfolio up and running, and well worth the high minimum deposit.

Accessible trading through fractional shares and ETFs

FlowBank offers fractional shares, so you can invest in expensive stocks like Amazon or Tesla in a much more affordable way. Instead of paying hundreds of dollars for a single stock, you can invest in part of it for a much smaller amount.

Similarly, FlowBank gives you access to a large range of ETFs, ETPs, and ETNs, which allow you to invest in entire sectors and industries at a relatively low cost. For example, shares in a Bitcoin ETP are far more affordable than buying a single Bitcoin.

Safety & reliability

Is FlowBank safe?

Yes, FlowBank is safe. It’s regulated by FINMA, the Swiss financial regulator, to operate as a bank.

The people behind FlowBank also have a track record of running other financial institutions, such as Synthesis Bank, which was sold to Saxo Bank in 2007. FlowBank has only been around itself since 2020, but it’s a platform you can trust.

Is FlowBank regulated?

FlowBank is regulated by the Swiss financial markets authority, FINMA, which licences it to operate as a bank. It’s also a member of esisuisse, a self-regulating organisation which all banks with a branch in Switzerland must be a part of and guarantees depositor protection up to CHF 100,000 per client.

Customer support

FlowBank offers 24/6 customer support via live chat, email, and phone enquiries. There’s also a help centre that answers basic questions about how to set up an account and the fees involved.

What are the risks of using FlowBank?

There are risks with any investment, and the main one in this case is that the value of your investments can go down as well as up. It’s important you understand what you’re investing in and the dangers of using features such as leverage, which can magnify your losses.

• Leveraged positions can be liquidated if you fail to provide margin. You must meet margin requirements on leveraged trades. The bank can ask for more margin at any time, and if you fail to provide it your entire position may be liquidated.
• Past performance is no guarantee of future results. There is a risk that any investment you make may fall in value. What’s happened before is no predictor of future performance.
• Deposits are only insured up to CHF100,000. Any deposits larger than this may not be protected in the event the bank goes out of business.

Research & analysis tools

What trading tools are on offer?

FlowBank has a great range of trading tools, where you can find the latest news updates and find top-tier analysis. Here’s a breakdown of the tools available.

Charts

The FlowBank app and trading platform allow you to get live looks at the latest market prices through real-time charts. Use them to perform your own analysis or simply follow the latest price trends.

News feeds

You can get access to live updates that cover all major market developments by subscribing to FlowBank’s LiveWire update service. LiveWire updates are sent out 2-3 times a day to give you flash updates on what’s happening in the financial world.

Daily videos

FlowBank offers market analysis, news, and insight through ‘FlowTV’. There’s a live morning show that looks at what’s moving markets on a given day, a Women in Finance series that gives voice to those who aren’t often heard in the financial world, and broad-brush outlook videos that opine on the topics of the day.

Market newsletters

There are a selection of newsletter subscriptions available that cover the latest daily news, long term analysis, and breaking updates.

The MarketFlow newsletter covers the latest news of the day and is delivered every morning. A special tech newsletter, Disruptiv, comes out once a week. Market Insights are delivered 3-4 times a week, and an Asset Allocation newsletter is posted once a month.

Education & learning resources

What educational resources are on offer?

FlowBank has a learning centre where you can broaden your knowledge of financial topics, alongside some trading courses and live webinars. Here are the educational resources available.

Learning centre

FlowBank boasts an extensive learning centre where you can find answers to common questions that beginners have when they’re just starting out. From how-to guides to extensive dives into complex trading strategies, there’s something in the learning centre for everyone.

Training courses

There are a range of video explainers that show you how to use the FlowBank App. These are available on demand from the trading courses section of the website. There you can learn how to perform basic tasks, find your activity history, and place your first trade.

Live events

FlowBank hosts occasional events, where experienced traders and analysts provide expert insight into a particular topic. The topics range from things like the psychology of trading to practical trading patterns.

Our verdict

FlowBank offers the stability and security of a Swiss bank with the advanced trading tools you’d expect from a top tier trading platform. The low fees combined with a vast number of available assets make it a great place to create an investment portfolio.

Intuitiveness and ease of use are a big part of the FlowBank experience. The app is an excellent way to trade, while there are a few options for more experienced users to create their own trading platform by using FlowBank Pro or plugging the service into MetaTrader4.

Alongside all its practical trading features, there are a lot of tools on offer to help the average user learn more about the markets. The only drawback is some of its perks require a substantial first time deposit, which might price out some beginners. 

Methodology

Helping people make better financial decisions is at the heart of our mission at Invezz. 

We test each trading platform to provide clear, accessible guidance on the service it offers and how it compares to the 63+ other brokers we review. Testing is carried out by our panel of industry experts, analysts, and active traders who sign up to the bank or broker, conduct research, and score the service.

To supplement our practical testing and experience, we research the service to gather any further relevant information and provide context to help you decide whether the trading platform is right for your investing needs. We read online customer reviews, app reviews on the Play Store and App Store, and conduct user surveys to get feedback from real people about what works, and what doesn’t.

The broker is awarded a final score based on 130+ data points across 8 ranking categories: cost, reliability, user experience, deposit & withdrawals, investing options, range of products/markets, research & analysis tools, and the availability of educational & learning resources.

We work closely with the individual brand to ensure all factual information displayed here is accurate. All data is then fact-checked by an independent reviewer. You can learn more about our expert panel and how we test, rate, and review platforms in our review process.