Swissquote has launched joint trading accounts that let two people invest together across stocks, cryptocurrencies, ETFs, bonds, forex, and CFDs. The Swiss online bank said the accounts address a gap in digital banking, where most joint offerings focus on spending rather than wealth building.

The timing puts Swissquote just ahead of Valentine's Day on February 14, when couples typically exchange Exchange An exchange is known as a marketplace that supports the trading of derivatives, commodities, securities, and other financial instruments.Generally, an exchange is accessible through a digital platform or sometimes at a tangible address where investors organize to perform trading. Among the chief responsibilities of an exchange would be to uphold honest and fair-trading practices. These are instrumental in making sure that the distribution of supported security rates on that exchange are effectiv An exchange is known as a marketplace that supports the trading of derivatives, commodities, securities, and other financial instruments.Generally, an exchange is accessible through a digital platform or sometimes at a tangible address where investors organize to perform trading. Among the chief responsibilities of an exchange would be to uphold honest and fair-trading practices. These are instrumental in making sure that the distribution of supported security rates on that exchange are effectiv Read this Term flowers and chocolates. They can now turn it into shared access to global financial markets.

Swissquote Joint Trading Accounts Spans 3 Million Financial Products

The joint accounts tap into Swissquote's existing infrastructure, giving users access to the same range of products available to individual account holders. This includes securities, crypto assets, funds, structured products and derivatives traded across more than 50 global exchanges.

"We looked at other joint solutions, and all of them offer ways to spend your shared money—but what about ways to grow it?" said Arjeta Haskaj, Head of Product Strategy at Swissquote, in a LinkedIn post announcing the feature.

Finally, a partner to share the blame when trades go south. But jokes aside, both account holders get separate login credentials and equal rights to manage the shared portfolio. The setup works through an "either-or-survivor" structure, meaning each person can independently execute trades and transactions without requiring the other's approval.

Each joint account comes with multi-currency debit cards that support 13 different currencies. The cards work with Apple Pay, Google Pay, Samsung Pay and TWINT for digital payments.

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The launch comes after Swissquote reported better-than-expected 2025 results, with revenue reaching at least CHF 720 million and pre-tax profit approaching CHF 420 million. Client assets on the platform neared CHF 89 billion by year-end.

Onboarding Limited to Same-Country Residents

To open a joint account, both parties must already hold individual Swissquote trading accounts as beneficial owners. The two people also need to live in the same country, a requirement tied to regulatory and compliance Compliance In finance, banking, investing, and insurance compliance refers to following the rules or orders set down by the government regulatory authority, either as providing a service or processing a transaction. Compliance concerning finance would also be a state of being following established guidelines or specifications. This designation can also encompass efforts to ensure that organizations are abiding by both industry regulations and government legislation. Understanding ComplianceCompliance is a In finance, banking, investing, and insurance compliance refers to following the rules or orders set down by the government regulatory authority, either as providing a service or processing a transaction. Compliance concerning finance would also be a state of being following established guidelines or specifications. This designation can also encompass efforts to ensure that organizations are abiding by both industry regulations and government legislation. Understanding ComplianceCompliance is a Read this Term rules.

One person initiates the process through their dashboard and sends an invitation to the other account holder. The entire onboarding happens digitally without paperwork. Customers can open up to four joint accounts, though only one invitation can be sent at a time.

Swissquote doesn't charge extra fees for joint accounts beyond the standard costs that apply to individual accounts. There are no minimum balance requirements.

The accounts aren't available to minors or institutional customers. At launch, Swissquote is limiting joint accounts to two holders.

Competitors Roll Out Similar Features

The joint account rollout at Swissquote comes as other digital banking platforms explore similar offerings. Robinhood introduced joint investing accounts for families and partners to manage investments together, while Revolut launched joint accounts in its mobile app for users in the European Economic Area.

N26 expanded joint account availability to 21 European countries in 2024, offering features for tracking expenses and monitoring joint budgets. Yuh, the mobile-first neobank that Swissquote now fully owns after buying out PostFinance's stake, has also been developing its own joint account feature.

Joint investment accounts let multiple people pool funds and make collective decisions, potentially accelerating portfolio growth through larger regular contributions. The structure also cuts down on duplicate fees that would otherwise apply to separate accounts.

Recent data shows that married couples in the US are moving away from traditional joint accounts, with 23% maintaining completely separate finances in 2023 compared to 15% in 1996. However, financial advisors have pointed to joint investment accounts as practical Valentine's Day gifts that support long-term wealth building.

Swissquote continues to expand its operations globally, recently searching for a CEO to lead its South African business in Cape Town.