willbe review
Updated October 17, 2026 · SumCue Editorial Team
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Our verdict
For savers across Europe, willbe is the finance app from Liechtenstein that combines saving and investing in one place. It suits people who want call money, fixed term deposits, ETFs, stocks, physical gold and multi currency options alongside guided management.
Key facts
- Best for
- Saving and investing together by app
- Minimum deposit
- €200↗
- Markets
- ETFs, Funds, Metals↗
- Currency conversion fee
- 0.3%↗
- Deposit and withdrawal fees
- Free same-currency deposits and withdrawals↗
- Platforms
- Willbe app↗
- Interest on cash
- 3.25%↗
- Legal entity
- Liechtensteinische Landesbank AG↗
- Headquarters
- Liechtenstein↗
- Founded
- 1861↗
- Support channels
- Email, Phone, Help-centre↗
- Features
- Mobile app
- Pricing model
- Low fees
- Audience
- Beginners
- Official website
- willbe-invest.com
Savings
Robo-advisors
Facts checked October 17, 2026, 6 sources
Apps and profiles
Pros and cons
Pros
- Combines saving and investing inside one Liechtenstein finance app
- Covers call money, fixed term deposits, ETFs, stocks and physical gold
- Supports saving and exchange across nine currencies in the app
- Offers an ETF savings plan spanning more than 50 ETFs and funds
Cons
- Works app only, so people who want branch service miss out
- Focuses on selected saving and investing routes rather than wide trading
Who it suits
- Savers who want saving and investing together
- Investors who prefer ETFs, stocks and physical gold
- People who like managing money by app
Who should look elsewhere
- People who prefer branch based banking
- People who want desktop access rather than an app
A Finance Brand Rooted in Liechtenstein
The brand comes from Liechtenstein, a small country that presents itself as a stable place to do business. Its approach to money is built around simple, fair terms, with stability and long-term growth as core themes. Plain language sits at the heart of the message, so people can follow what each choice involves without digging through small print. Saving and investing sit together in one place, which keeps the focus on building wealth steadily over time.
Stability and Long-Term Thinking
Holding different types of asset can help spread exposure, and the brand encourages building wealth steadily over a long period. Regular savings plans can reduce the impact of sudden market moves, since purchases are spread across time. Physical gold adds a measure of stability to a portfolio. Clear thinking about risk, time horizon and personal goals still matters, because no arrangement removes the chance of losses, even when the mix looks well balanced.
How willbe compares
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 8.3
9.3 vs 8.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 8.7
9.3 vs 8.6
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.8
Where willbe is available
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is willbe?+
willbe is the finance app from Liechtenstein that combines saving and investing in one app. It runs under Liechtensteinische Landesbank and helps people control finances and diversify assets over the long term.
Which saving options does willbe cover?+
willbe covers call money and fixed term deposits alongside saving in nine currencies with exchange options. It also offers a savings plan that supports compounding over time and reduces the effect of market fluctuations.
Which investing options does willbe offer?+
willbe offers an ETF savings plan spanning more than 50 ETFs and funds, plus stocks for wider diversification. It also provides active asset management and wealth management for people who prefer guided investing.
How does willbe include gold in its range?+
willbe includes physical gold held in Liechtenstein as part of its range. Gold supports greater stability within the portfolio and lets savers diversify beyond cash, deposits and market based investments.
Is the service built for people in one country?+
The offer is designed for savers across Europe, and it lets people hold and exchange several currencies within one arrangement. Clear, plain language is used throughout, so people who are new to investing can follow each choice without needing special training first.
Sources
- willbe-invest.com/en/save-money/money-market-account checked October 17, 2026
Backs: Interest on cash, Headline rate
“favourable interest rates, e.g., in USD up to 3.25 %”
- willbe-invest.com checked September 26, 2026
Backs: Founded, Portfolio types
“Since 1861”
- willbe-invest.com checked September 26, 2026
Backs: Features
“Download the app - willbe, the finance app”
- willbe-invest.com/en/about-willbe/faq checked September 26, 2026
Backs: Access terms, Account kind, Audience, Markets, Platforms, Rate type
“Your balance grows from day one and is available to you at any time with no restrictions - which means no withdrawal limits.”
- willbe-invest.com/en/about-willbe/who-is-behind-willbe checked September 26, 2026
Backs: Headquarters
“willbe is offered by Liechtensteinische Landesbank (LLB)”
- willbe-invest.com/en/invest/willbe-invest checked September 26, 2026
Backs: Minimum deposit, Minimum investment, Pricing model
“Invest like a professional, from just EUR / CHF 200 - willbe Invest”
- willbe-invest.com/en/pricing/pricing checked September 26, 2026
Backs: Deposit and withdrawal fees, Currency conversion fee, Legal entity, Management fee, Monthly fee, Support channels
“Deposits in EUR / CHF / USD / GBP / SEK / NOK / CZK / PLN / HUF - Free of charge”
Compiled from 7 source pages, checked October 21, 2026. We did not open an account.
Not confirmed yet: Stock trade fee, Account fee, Inactivity fee, Regulators, Investor protection, Retail accounts that lose money.