Account management and accessibility

Yes, you can withdraw your money flexibly at any time – in full or in part. Simply tap on “Profile” -> “Withdraw capital” in the app. You can then simply send us an e-mail with your transfer request to hello@arvy.ch. It would help us a lot if you could also tell us why you are making a lump-sum withdrawal. This feedback helps us enormously to improve the app and investment experience. There are no lock-in periods or notice periods. However, please note that the process may take a few days. After your withdrawal request, it usually takes 5-6 working days for the money to reach your bank account.

You received your IBAN via text message after successfully completing the onboarding process. We will also send you an email from hello@arvy.ch with your IBAN. You can also find your personal IBAN in the profile section of the app.

Important: Please make sure that you make the transfer from your personal account (not from a joint account) and that you specify yourself as the beneficiary. This is necessary so that we can allocate your payment smoothly.

Your arvy account is fully managed via our user-friendly app. Here you can:

• View your portfolio
• Deposit or withdraw money
• Customize your investment strategy
• Learn more about financial topics and discover inspiring stories

The app is intuitively designed and makes it easy for you to keep an eye on your finances anytime, anywhere.

Yes, the arvy app works worldwide as long as you have an internet connection. Please note, however, that deposits and withdrawals are only possible via a Swiss bank account.

Please write us your preferred new email in the chat and we will change it for you.

Later there will be an option to change it in the profile section of the app.

Please write us your preferred new phone number in the chat and we will change it for you.

Later there will be an option to change it in the profile section of the app.

You can close your arvy account at any time.

The first step is to withdraw the total amount of your investment solution in the app. To do this, simply tap on “Profile” -> “Capital withdrawal” in the app. You can then simply send us an e-mail with your termination request to hello@arvy.ch. It would help us a lot if you could also let us know why you want to close your account. This feedback helps us enormously to improve the app and investment experience.

To activate your arvy account with our partner bank, Hypothekarbank Lenzburg (HBL), you only need to deposit at least CHF 1,200 in the first 3 months. If you do not do this, your account will unfortunately be closed.

After that, you can pay in additional amounts flexibly – from as little as CHF 50. This is ideal for investing smaller amounts on a regular basis, for example via a monthly savings plan. That’s exactly how we do it at arvy.

There is no maximum amount for your deposits. However, if you want to invest a larger amount of money, we recommend that you pay it in several staggered amounts. Even with a smaller investment amount, it makes sense to divide it into regular and equal amounts. This way you can avoid catching an unfavorable time for your investments and benefit from an even distribution over time.

Once you have made your initial deposit, your account will remain active even if you do not make any deposits for a longer period of time. Your existing portfolio will continue to be professionally managed and you can start making new deposits at any time. Management and custody account fees continue to apply.

Only bank transfers from a Swiss bank account in your name will be accepted by our partner bank, Hypothekarbank Lenzburg (HBL). This is for security reasons and complies with regulatory requirements.

When making the initial deposit, we also recommend that you do not transfer from a joint account, as there is a risk that HBL will reject the transfer. If you do transfer from a joint account, you must enter your first and last name in the additional field “Payment initiator” or “Payer” in e-banking so that the deposit can be successfully booked.

As our partner bank, Hypothekarbank Lenzburg, still has to check your first deposit manually for legal reasons, it can take around 2-3 days after the debit until it is booked to your arvy account and you can see it in the app.

For all further deposits, it usually only takes 1-2 days.

The initial deposit is an essential part of the account opening process and is manually reviewed by our partner bank, Hypothekarbank Lenzburg (HBL). To ensure that your deposit can be successfully processed, the information provided with your transfer must match the information stored with your bank. If the details do not match, the payment will be automatically returned.

For every initial deposit, the following three items are verified:

• Beneficiary: The beneficiary name must match your own name exactly as it is registered with your bank.
• Payment Initiator: The transfer must be initiated by you.
• Account Holder (Payer): The payment must come from an account in your name. Important: The address registered with your bank must also match.

To ensure a smooth account opening process, please keep the following in mind:

You are both the sender and the beneficiary

When making the transfer, enter your own full name (and address) as the beneficiary, exactly as they are registered with your bank. Please do not enter arvy or our address as the beneficiary, as you are transferring funds to your personal account with HBL, not to arvy. arvy simply manages your account.

Initial deposits from joint accounts

If you are making your initial deposit from a joint account, we recommend entering your own full name in the "Payment Initiator" or "Payer" field in your e-banking, if available. This helps HBL identify you as the account holder and ensures the payment can be accepted.

Following these steps will help ensure that your arvy account is opened without delay. If you have any questions or need assistance, we're always happy to help 😊.

This is only possible via a cash deposit. This means that you can instruct us to sell the existing securities from an existing pillar 3a solution and transfer the money to your arvy account. The same procedure is also possible if you sell the securities in another account and transfer the cash holdings to your arvy account.

You can find the tax statement in your app in the profile area under “Documents” -> “View Documents” -> “Document type” -> “eSteuerauszug”. It is expected to be available in the app from February 25.

You can find all the information in your app in the profile area under “Documents” -> “View documents” -> “Document type.”