willbe: saving and investment 1.24.5

willbe aims to bring the core values of Liechtensteinische Landesbank (LLB)—a highly secure and reputable financial institution—to your mobile investment management experience. Its offerings include active asset management at ETF pricing levels, alongside investment options such as gold, savings solutions, and foreign currencies. Emphasizing stability and growth, willbe presents a straightforward, fair, and intelligent approach to diversifying assets and establishing a resilient financial foundation for the long term—featuring attractive interest rates on savings, gold investments, and sustainable options.

The application provides users with key features designed to facilitate secure and versatile financial management:

• Willbe Cash Account:
  • Risk-free savings with no worries
  • Competitive interest rates in four currencies (EUR, CHF, USD, GBP)
  • No fees, no lock-in period, with daily access
• Willbe Fixed Deposit Account:
  • Interest rates fixed from 1 month up to 10 years
  • Ability to save in four currencies (EUR, CHF, USD, GBP)
  • No charges or hidden fees; cancellable daily
• Willbe Gold:
  • Investment in physical gold, securely stored in Liechtenstein
  • Guaranteed purity and top quality standards
  • Flexible investment amounts ranging from 1 gram to 1 kilogram
• Willbe Asset Management:
  • A management fee of 0.49% annually, supported by over 160 years of LLB expertise
  • Investments aligned with the UN’s Sustainable Development Goals
  • Simple and effective donation options

This platform is designed to combine ease of use with strategic financial growth. Users can start saving immediately via the cash account at competitive interest rates or opt for fixed-term deposits for guaranteed returns. All funds are protected under Liechtenstein’s deposit safeguard scheme up to CHF 100,000 (or equivalent). Investment options focus on sustainability and impact, including themes such as education, environmental conservation, clean water and energy, resource efficiency, sustainable living and working environments, and healthcare—aligned with the UN’s Sustainable Development Goals. With a minimum investment of EUR/CHF 200, users of any experience level can participate in responsible investing backed by LLB’s extensive banking tradition.

The fee structure emphasizes transparency and fairness: the cash and fixed deposit accounts are free of charges; gold storage costs are 0.5% annually; asset management fees are uniformly set at 0.49%, regardless of asset volume. External costs related to taxes or product-specific charges may apply but are transparently billed without mark-up. Detailed comparison information is available on the website for full clarity.

willbe is a product of Liechtensteinische Landesbank (LLB), based in Vaduz—one of the most secure and well-capitalized banks globally. Holding an Aa2 deposit rating from Moody’s, LLB boasts a 160-year history as Liechtenstein’s most traditional banking institution. Its longstanding presence guarantees a secure platform for your financial endeavors.