Kaspar&

Kaspar&

About this app

Get your ingenious savings plan, receive a free bank account, and your personal Kaspar& Mastercard.

The ingenious thing: With every payment made with your Kaspar& Mastercard, you automatically round up to the nearest franc, invest your change – and more.

Because Kaspar& offers you everything you need to master your financial life:

1. Turn your dreams into investment goals: From owning your own apartment to saving for your children to your own retirement and 3a – open as many investment goals as you like and fulfill your dreams.

2. Invest with Kaspar&'s know-how: Benefit from Kaspar&'s investment expertise and digital asset management. With Kaspar&, you invest professionally and cost-effectively. Fully digital and starting from just 1 franc.

3. Choose the right investment for every goal: Kaspar& offers you customized investment strategies with varying equity allocations. From Savings PLUS to Sport PLUS: We'll make you a suggestion, you decide, and you can switch at any time according to your needs.

4. Invest in your favorite topics: For each of your investment goals, Kaspar& offers you the opportunity to choose a thematic focus. From electromobility to cybersecurity to digitalization: thanks to thematic ETFs, you invest part of your money in the topics that are important to you.

5. Reach your goals even faster with savings plans: With Kaspar&, you can flexibly fund your investment goals with your spare change, larger lump sums, or automated savings plans. We'll take care of the rest. You retain access to your investments at all times.

6. Provide for your future with Pillar 3a: Thanks to our fully integrated 3a solution, you can also invest your retirement savings at the touch of a button in one of five professional investment strategies with varying equity allocations; or you can choose the free account solution if you simply want to save but don't want to invest.

7. Bring order to your financial life with budgets: Divide your account into different budgets. Budgets aren't invested, but are kept available for their intended purpose: whether taxes, household expenses, or subscription fees. This way, you can always keep track of your spending.

8. One of the lowest investment fees in Switzerland: Kaspar& invests for you in low-cost and broadly diversified index funds from reputable providers. Our low and transparent all-in fee truly includes all investment costs for the first time. This saves you unpleasant surprises. Never more than 0.45% of this fee goes to Kaspar&.

Thanks to the cooperation between Kaspar& and our partner bank, Hypothekarbank Lenzburg, you benefit from the security and professionalism of a Swiss bank and the technology of a leading digital asset management company.

Kaspar& is a spin-off of the University of St.Gallen (HSG) and ETH Zurich and was founded in St.Gallen in 2020. Several thousand customers in Switzerland now rely on our solution and manage their finances with us.

Join us – we look forward to our journey together!

How it works:

- Download the Kaspar& app: Click on "Register" and have your ID, passport, and, if applicable, your residence permit ready.

- Follow the registration steps: Together, we'll determine what's important to you when investing. In just 10 minutes, we'll create your user profile and set up your account for you.

- We identify you: To verify your identity, we'll take a photo of you and your ID. Since this is a verified photo identification process, it works anytime.

- Master your financial life: Our partner bank will then verify your information, and you'll receive your personal account number. After your initial deposit, you'll receive your card within 7 business days. You can even start investing immediately.