I'm a client of Yova and overall super happy. I joined them when they were still in Beta, so got a slightly better rate and for a non-professional investor with a relatively small portfolio, it makes sense.

Pros:
- Beginner-friendly - the setup is very simple and straightforward. After it's up and running, don't need to know much myself, just invest & forget. Obviously, I'm still checking how my investments are doing overall each month, but I don't need to do anything else myself, which is very nice, because I'm a total beginner and learning how to be a good investor doesn't make sense for me.
- No need of big amount of cash to start with
- Good customer service - they are very responsive and caring. Unusually friendly and professional when compared to most services in Switzerland.
- I made more money with them in the first year than I would have keeping cash in the bank.

Cons:
- It's a startup, so it's constantly improving, changing. Some features not available yet as advertised at the time of signup.
- Their reporting wasn't very good in the beginning, but it's getting better. Still would love more detailed info like on Interactive Brokers.
- It's more of the long-term game, so you got to invest cash you won't need in 3-4 years. But if you suddenly need cash after 1 year, you might find yourself in the red.


btw - yes, I am pretty sure I could have lower rates if I go to IB myself, research what to buy and do all that myself, but my time is worth more than 1% saved. If you're a pro at investing, I am sure it's not for you, but I'd rather stick to what I know.