Flowbank Review

Category: Reviews | Author: Trading Brokers | Date: September 3, 2023

FlowBank, the Swiss financial service provider, has entered the financial arena with noteworthy ambitions. Founded publicly in late 2020, FlowBank is carving a distinct path as it aspires to serve both as a bank and a fully-fledged broker. This article embarks on an impartial and comprehensive exploration of FlowBank, meticulously examining its regulatory framework, the expansive array of platforms and tools it places at your disposal, the depth of its educational resources, the breadth of markets it covers, the diversity of account options it presents, and the convenience it offers in terms of funding. An exceptional facet of FlowBank is its commitment to customer service, which extends around the clock, five days a week, all orchestrated from its Swiss headquarters. Our foremost goal is to provide you with a holistic understanding, empowering you to make an enlightened decision about whether FlowBank is the right partner for achieving your financial objectives in the ever-evolving landscape of digital finance.

Pros & Cons

  • FlowBank offers a wide range of investment products across various asset classes, including stocks, ETFs, CFDs, forex, and funds
  • FlowBank provides innovative trading platforms such as FlowBank App, FlowBank Pro, MetaTrader 4, and MetaTrader 5
  • FlowBank is regulated by the Swiss Financial Market Supervisory Authority (FINMA). This provides investors with an added layer of security and protection
  • FlowBank offers a maximum leverage of 1:200. This is higher than the maximum leverage offered by brokers with regulatory oversight from ESMA regions, which is capped at 1:30
  • FlowBank offers a limited range of account types, primarily focusing on Classic and Platinum accounts, which may not cater to all trader preferences
  • FlowBank's cryptocurrency offerings were relatively limited, potentially leaving traders looking for a broader range of cryptocurrencies dissatisfied
  • While FlowBank provides some market analysis tools and research reports, traders seeking extensive research and analysis options may find them lacking


FlowBank Platforms

FlowBank Platforms

FlowBank, a Swiss digital finance service, entered the financial arena in late 2020 with the ambition to seamlessly integrate banking and brokerage services. While their investment features are already operational, their banking services are in development. FlowBank distinguishes itself with 24/5 customer support from its Swiss headquarters. They offer access to a diverse range of financial markets, including stocks, bonds, and ETFs, accompanied by educational resources for investors at all levels. Their user-friendly platform ensures a smooth experience. Beyond investments, FlowBank extends its reach into banking with offerings like debit cards and savings accounts, along with various funding options, presenting a comprehensive suite of financial services. This positions FlowBank as a versatile and accessible choice in the ever-evolving world of digital finance.

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FlowBank, the Swiss digital finance service, operates under the diligent regulation of the Swiss Financial Market Supervisory Authority (FINMA), which oversees a range of financial entities in Switzerland. FINMA’s primary role is to enforce compliance with Switzerland’s financial market laws and regulations, thus ensuring the integrity of the financial system and the protection of customers.

As a regulated institution, FlowBank is bound by various regulations and guidelines set forth by FINMA. These regulations are specifically designed to safeguard customer interests and maintain the stability of the Swiss financial sector. FlowBank is also required to maintain sufficient capital reserves and implement robust risk management procedures to ensure its financial stability and fulfill its regulatory obligations. This commitment to regulatory compliance and financial stability underscores FlowBank’s dedication to providing a secure and trustworthy environment for its customers.

Platforms & Tools

FlowBank is a Swiss digital finance service that offers two trading platforms: FlowBank Pro and FlowBank App. FlowBank Pro is a desktop-based platform that provides advanced trading tools and features, while FlowBank App is a mobile-based platform that allows customers to trade on the go. Both platforms are designed to be user-friendly and easy to navigate, providing customers with access to various markets, including stocks, bonds, ETFs, and more. Other platforms include MetaTrader 4, and MetaTrader 5.

FlowBank Platforms

FlowBank Platforms

In addition to its trading platforms, FlowBank offers a range of market analysis tools to help customers make informed investment decisions. These tools include

  • Market Analysis Tools: Informed decision-making is at the heart of successful trading. That’s why FlowBank equips you with a suite of market analysis tools, including real-time market data and technical analysis tools, among others. These resources are designed to empower you with valuable insights, helping you navigate the intricacies of the financial world and make investment choices that align with your goals.
  • Research Reports: FlowBank believes in the power of knowledge. They provide comprehensive research reports and offer you a deeper understanding of various markets and investment opportunities. Covering a broad spectrum of topics, including stocks, bonds, ETFs, and more, these reports are a valuable resource to help you stay informed and make well-informed investment decisions.
  • Educational Resources: Whether you’re new to investing or seeking to enhance your trading skills, FlowBank is here to support your learning journey. Our educational resources, including webinars and tutorials, are designed to empower you with the knowledge and skills needed to excel in the world of investing and trading.


FlowBank places an unwavering emphasis on the paramount role of education in empowering its clientele. Their commitment to fostering a deep understanding of investing and trading is resoundingly evident through their repository of educational materials. This comprehensive offering encompasses informative webinars and instructive tutorials, providing clients with a holistic education in the intricacies of financial markets. However, what truly distinguishes FlowBank is the breadth of its educational resources, with trading courses available in three major languages: English, French, and German. These meticulously curated courses span a wide spectrum of subjects, encompassing everything about the fundamental principles of trading strategies.

Adding to their commitment to client knowledge, FlowBank adopts a highly practical approach by generously offering a detailed video walkthrough of their acclaimed FlowBank Pro trading platform, conveniently accessible on their website. This tutorial resource proves invaluable in guiding users through the platform’s multifaceted functionality, from executing trades with effortless precision to deciphering the complexities of intricate charts.


FlowBank, the distinguished Swiss banking institution, stands as a bastion of comprehensive financial services, offering clients an extensive array of investment products spanning across multiple asset classes. Within the realm of equities, FlowBank provides unfettered access to an expansive spectrum of stocks, transcending geographical boundaries to encompass prominent companies from the US, Europe, and Asia. From tech titans like Apple and Amazon to industry stalwarts like Google, clients can seamlessly engage in stock trading, harnessing the growth potential of these global giants.

FlowBank’s commitment to diversification extends to the world of Exchange-Traded Funds (ETFs), where clients can explore an impressive selection that mirrors various indices. These include ETFs tracking benchmarks like the S&P 500, Nasdaq 100, and MSCI World Index, allowing investors to spread their assets across a multitude of sectors and regions, thus mitigating risk.

For those seeking to navigate the intricacies of market volatility, FlowBank offers Contracts for Difference (CFDs) spanning stocks, indices, commodities, and forex. CFDs provide a unique avenue for speculation on price movements without the necessity of asset ownership, offering flexibility in trading strategies.

In the aspect of foreign exchange (forex), FlowBank grants access to currency pairs such as EUR/USD, USD/JPY, and GBP/USD. Forex trading empowers clients to capitalize on the nuances of global currency fluctuations, facilitating informed trading decisions and diversification.

To further bolster diversification, FlowBank presents a gateway to a wide range of funds managed by various asset managers. These encompass mutual funds and exchange-traded funds (ETFs), offering a hands-off approach to portfolio management. FlowBank’s expansive offering stands as a testament to their unwavering commitment to empowering clients with a plethora of tools and opportunities, catering to investors of all levels, and aligning with diverse financial objectives. Whether seeking growth in stocks, broad-based diversification with ETFs, or navigating the intricacies of CFDs and forex, FlowBank’s robust selection of investment products ensures clients have the means to achieve their financial aspirations.


FlowBank offers a versatile selection of brokerage accounts, tailored to meet the diverse needs of its clientele. These accounts serve as the foundation for customers to embark on their investment journeys with confidence and convenience. They include:

  • Classic Account: The Classic account offered by FlowBank provides a flexible banking solution without a minimum initial deposit requirement. This feature allows clients to open a Classic account with FlowBank without the pressure of a specific minimum funding threshold. It serves as an accessible and versatile account option, especially suitable for those who prefer not to commit to a substantial initial deposit. Opening a Classic account is a straightforward process, involving the provision of essential personal information and document verification, such as your ID card or passport. While specific information about leverage ratios for the Classic account may not be readily available, clients can typically benefit from FlowBank’s maximum leverage of 1:200, allowing for amplified trading positions while maintaining prudent risk management.
  • Platinum Account: In contrast, the Platinum account represents a premium banking offering by FlowBank. To qualify for a Platinum account, clients are required to maintain a substantial account balance of 100,000 CHF. Once this balance threshold is achieved, clients are automatically upgraded to the prestigious Platinum account tier. This upgrade signifies FlowBank’s commitment to rewarding clients who maintain a substantial balance with enhanced services and benefits. While specific leverage information for the Platinum account may not be readily available, FlowBank typically offers a maximum leverage of 1:200, allowing clients to maximize their trading potential while ensuring responsible risk management practices.


FlowBank offers a versatile array of funding options, ensuring that clients can seamlessly finance their accounts in a manner that aligns with their preferences and needs. These funding methods include:

  • Bank Transfer: Clients can opt for the traditional bank transfer method, allowing them to transfer funds from their bank account to their FlowBank account. While this method is reliable, it’s important to note that it may take up to 3 business days for the transfer to complete, reflecting the standard processing times associated with bank transactions.
  • Credit/Debit Card: For immediate access to their funds, clients can conveniently fund their FlowBank accounts using credit or debit cards. This expeditious method ensures that the funds are made available in the account instantly, streamlining the process for clients looking to start trading without delay.
  • E-Wallets: FlowBank embraces modernity by accepting funding through e-wallets, including popular options like Skrill and Neteller. This digital approach offers clients the advantage of instant fund availability, making it a swift and efficient way to finance their accounts. E-wallets exemplify FlowBank’s commitment to providing clients with diverse and convenient funding options tailored to the pace of modern financial transactions.


In summary, FlowBank, the Swiss digital finance service, offers a diverse range of investment products across stocks, ETFs, CFDs, forex, and funds, empowering clients to diversify their portfolios. With flexible account options, including Classic and Platinum, and a maximum Forex leverage of 1:200, FlowBank caters to clients at various stages of their financial journeys. Their commitment to education is evident through webinars, tutorials, and trading courses in multiple languages. The availability of funding options like bank transfers, credit/debit cards, and e-wallets further enhances accessibility. FlowBank stands as a versatile and client-centric financial partner, providing tools and resources to navigate the financial markets effectively. However, it’s worth noting that while Flowbank offers strong features, there are other brokers with much better features that might be worth considering as alternative options. For additional choices, we encourage you to explore our trading broker reviews.

Flowbank Review


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Between 74-89% of retail investor accounts lose money when trading CFDs with this provider.

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