Swissquote Joint Accounts guide

Start by checking Swissquote's account opening pages and account agreements for the entity that serves your country, since joint account availability often depends on the local entity rather than the broker as a whole. Confirm whether joint accounts are offered for the account type you want, such as a trading or investment account, and what eligibility rules apply to co-holders, including residence, relationship requirements and identity verification for each person. If the documentation is unclear, ask the broker's support team in writing and keep the response.

If joint accounts are available, the account agreement should define how ownership works: whether both holders have equal rights, whether either holder can trade and withdraw independently or joint authorisation is needed, and what happens if one holder dies. Survivorship and inheritance treatment depends on the account terms and the law of your country, and it has significant long-term consequences. Read these clauses before opening the account, and consider taking independent legal or tax advice for your situation, since this guide cannot state outcomes for you.

Confirm whether joint accounts carry the same fee schedule as individual accounts or different charges, and how investor protection limits apply when an account has multiple holders, since protection schemes may treat joint holdings differently. Also check what tax documents the broker issues and whether income and gains are reported per holder or per account, as this affects each person's tax filing. Estimate total costs with the Brokerage fee calculator at /tools/brokerage-fee-calculator, explore related guides on the Long-term investing hub at /invest-long-term, and use Find my broker at /find-my-broker to apply the same checks elsewhere.