Overall Rating: ★★★★☆ (4.2/5)

Broker Overview

FlowBank is a Swiss-based online bank and broker offering multi-asset trading and investing services. Established in 2020 and headquartered in Geneva, FlowBank combines Swiss banking security with advanced trading technology. FlowBank enables traders and investors to access global financial markets under strong regulatory protection. In this FlowBank review, we explore its features, platforms, regulation, fees, and overall service quality.

Key Features of FlowBank

FlowBank delivers a wide range of features:

• Access to 50,000+ Instruments: Forex, stocks, ETFs, indices, commodities, bonds, and cryptocurrencies.
• Proprietary Platforms: FlowBank App and FlowBank Pro for trading and investing.
• Swiss Banking Licence: Ensuring high client fund security.
• Tight Spreads: From 0.0 pips on forex major pairs.
• Multi-Currency Accounts: Support for CHF, EUR, USD, GBP, and more.
• Integrated Banking Services: Combine trading, investing, and banking in one platform.

FlowBank’s offering is aimed at providing security, flexibility, and seamless market access.

Account Types Offered by FlowBank

FlowBank provides two main account types:

• Trading Account:
  • Access to forex, CFDs, ETFs, shares, crypto, and more
  • Competitive spreads
  • No minimum deposit
• Saving and Investment Accounts:
  • Managed portfolios
  • Savings options integrated with trading accounts

Clients can also open multi-currency accounts to manage investments globally.

Trading Platforms and Tools

FlowBank offers robust trading platforms:

• FlowBank App:
  A user-friendly platform designed for mobile and web trading with integrated research tools.
• FlowBank Pro:
  A desktop trading platform offering institutional-grade tools like market depth, advanced order types, and detailed analytics.
• MetaTrader 4 (MT4):
  Available for traders who prefer the globally trusted forex trading platform.

The platform choices suit beginners, active traders, and professional investors alike.

Regulation and Security

FlowBank operates under strong Swiss regulation:

• Swiss Financial Market Supervisory Authority (FINMA):
  FlowBank SA is fully licensed and supervised by FINMA.

Swiss banking regulation offers among the highest standards of client protection globally, including fund segregation and deposit insurance.

Fees and Spreads

FlowBank offers competitive trading fees:

• Spreads:
  • Forex spreads from 0.0 pips (on FlowBank Pro)
  • Low-cost trading across all major asset classes
• Commissions:
  • Competitive rates on equity and ETF trades
• Deposit/Withdrawal Fees: No internal fees
• Inactivity Fees: May apply after 12 months of inactivity

Transparent pricing benefits both active traders and long-term investors.

Deposit and Withdrawal Options

FlowBank supports standard and secure payment methods:

• Deposit Methods: Bank transfer, Visa/Mastercard (subject to approval)
• Withdrawal Methods: Bank transfers
• Processing Time: Deposits within 1–2 business days; withdrawals processed within 2–3 business days

Funds are held securely within the Swiss banking system.

Customer Support

FlowBank provides professional customer support:

• Support Hours: 24/5
• Contact Methods: Live chat, email, and phone
• Help Centre: FAQs, educational resources, and platform guides

Support is multilingual and responsive, suitable for both retail and institutional clients.

Educational Resources

FlowBank offers extensive educational material:

• Webinars: Hosted regularly on trading and investing topics.
• Research Reports: Detailed market analysis and investment insights.
• Video Tutorials: Platform guides and trading strategy videos.

FlowBank’s education and research services are useful for traders and investors at all levels.

Pros and Cons of FlowBank

Pros:

• Swiss banking licence under FINMA regulation
• Access to over 50,000 instruments
• Proprietary and MT4 trading platforms
• Integrated banking, investing, and trading services
• Competitive spreads and commissions

Cons:

• Limited deposit methods compared to international brokers
• No MetaTrader 5 (MT5) support
• Inactivity fees after 12 months

Who Should Choose FlowBank?

FlowBank is ideal for:

• Security-Conscious Traders: Seeking strong Swiss banking protection.
• Active Traders and Investors: Wanting access to a wide range of global markets.
• Wealth Management Clients: Looking for integrated banking and investment solutions.
• Forex Traders: Preferring low spreads and fast execution.

Those needing more diverse funding methods or MT5 support may look elsewhere.

Conclusion

FlowBank offers a highly secure, flexible, and comprehensive trading and investing experience under Swiss banking regulation. With a broad range of assets, competitive fees, and advanced proprietary platforms, it is an excellent choice for traders and investors who prioritise safety, professionalism, and performance. While some limitations exist in deposit methods and platform diversity, FlowBank remains a standout option for serious market participants.