willbe review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
willbe is a Liechtenstein bank savings account for people who want instant access, daily withdrawals and no monthly charge. It suits savers comfortable with a variable rate rather than a fixed deal, though the headline rate of 0% to 3.25% will not suit anyone chasing a high return on savings.
Key facts
- Best for
- A easy access savings account for instant access, no monthly charge and no withdrawal limits.
- Headline rate
- 0% to 3.25%↗
- Rate type
- Variable↗
- Minimum deposit
- CHF 1↗
- Access terms
- No commitment, no withdrawal limits, money available every day, instant access savings account↗
- Monthly fee
- CHF 0↗
- Account kind
- Easy access↗
- Legal entity
- Liechtensteinische Landesbank AG↗
- Headquarters
- Liechtenstein↗
- Founded
- 1861↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- willbe-invest.com
Everyday accounts
- Currency conversion fee
- 0.3%↗
- Currencies
- 9↗
- Local account details
- IBAN↗
- Transfer fee
- USD/GBP payments: OUR fixed fee capped at USD 25; SHA/BEN external fees not known in advance; CHF 20 return fee for non-matching deposits↗
- Features
- Digital-only
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- No commitment, no withdrawal limits and money available every day, with instant access.
- Monthly fee of CHF 0 and a minimum deposit of CHF 1.
- Support covers email, phone and help centre, so help is not limited to one channel.
- The account sits with Liechtensteinische Landesbank AG, a bank founded in 1861.
Cons
- The rate is variable, so the headline figure of 0% to 3.25% can be revised in either direction.
- The service is digital only, so there is no counter or branch option.
Who it suits
- Savers who need instant access, daily withdrawals and no monthly charge.
- People holding several currencies who convert now and then and keep a small balance.
- Anyone comfortable running the whole account in a digital only service.
Who should look elsewhere
- Chasers of a high headline rate: PayPal Colombia lists 3.3% and Plazo ES 24.19%, both above 0% to 3.25%.
- Anyone after a locked rate, because this one is variable and the balance stays accessible instead.
- People who want to hold a long currency list, since the account covers 9 against 350 at the top of the site.
Rates and card terms
willbe pays a variable rate, so the headline figure of 0% to 3.25% is a starting point rather than a locked promise and can move in either direction. Anyone comparing accounts should check where that range sits against alternatives such as PayPal Colombia at 3.3% and Plazo ES at 24.19%. A variable rate rewards flexibility but offers no certainty for a fixed period.
How willbe compares
9.3 vs 8.6
9.3 vs 9.5
9.3 vs 8.0
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.9
9.3 vs 8.7- 9.3 vs 8.0
9.3 vs 9.0
9.3 vs 8.1
9.3 vs 8.7
9.3 vs 8.0
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 9.0
Where willbe is available
- Available
- Austria, Germany, Liechtenstein, Switzerland
- Licence in Liechtenstein
- FMA - Finanzmarktaufsicht Liechtenstein (competent regulatory authority), checked September 26, 2026
- Licence in Liechtenstein
- Liechtenstein deposit guarantee scheme (Liechtenstein Bankers Association), deposits covered up to CHF 100,000, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep the account?+
The monthly fee is CHF 0 and the minimum deposit is CHF 1, so opening and keeping the account costs almost nothing. What to watch instead is money movement: currency conversion costs 0.3% and some transfers carry their own charges.
Is the money safe and who regulates the account?+
The account is held with Liechtensteinische Landesbank AG, a bank founded in 1861 and supervised in its home market by the Liechtenstein financial market authority, the FMA. Deposits also sit within the Liechtenstein deposit guarantee scheme, which covers eligible deposits up to its stated limit.
Can I take my money out whenever I want?+
Yes. There is no commitment and no withdrawal limit, and money is available every day with instant access. The account kind is easy access, so the balance is meant to be reachable rather than locked for a term, which suits anyone treating it as short term cash.
What rate will I actually earn?+
The rate is variable, and the headline figure of 0% to 3.25% is an advertised range rather than a fixed promise, so the amount received can change. For comparison, PayPal Colombia publishes 3.3% and Plazo ES publishes 24.19% on their listed terms.
How many currencies can I hold and what does converting cost?+
You can hold 9 currencies, and local account details come in iban format, which makes receiving money straightforward. Conversion is not free: the currency conversion fee is 0.3%, below the site median of 0.5%, so the cost is reasonable for occasional use.
How do I get help if something goes wrong?+
Support runs through email, phone and help centre, so you can reach the team by email or phone, or work through the help centre on your own. A help centre handles routine questions about transfers and rates, while a phone call suits anything urgent around a payment that has stalled.
What will moving money in and out cost me?+
The transfer fee is the part to read carefully. US dollar and pound payments carry a fixed fee up to a capped amount, some external charges on other transfers are not known in advance, and a return fee applies when a deposit does not match the details supplied, which come in iban format. Transferring in the local currency is the simpler route.
Sources
- willbe-invest.com checked September 26, 2026
Backs: Founded
“Since 1861”
- willbe-invest.com/en/about-willbe/faq checked September 26, 2026
Backs: Access terms, Account kind, Features, Local account details, Rate type, Support channels
“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/imprint checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“Staedtle 44, P. O. Box 384, 9490 Vaduz, Liechtenstein”
- willbe-invest.com/en/pricing/pricing checked September 26, 2026
Backs: Currency conversion fee, Pricing model, Monthly fee, Transfer fee
“Currency exchange - Markup or markdown on the interbank exchange rate - 0.30 %”
- willbe-invest.com/en/save-money/money-market-account checked September 26, 2026
Backs: Currencies, Headline rate, Minimum deposit
“Your cash account in Liechtenstein - attractive interest rates in nine currencies”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Deposit protection.
Related by the facts
willbe
A easy access savings account for instant access, no monthly charge and no withdrawal limits.