UBS, I'm leaving you.

I left my banker.

A 25-year-old, broken net love story a month ago, overnight.

It started when, because of my first work, I spent daily in front of the UBS branch of the Lausanne station, replaced since by I do not know which restaurant of junk food or game room.

It was at the time when the banks were all in the smell of holiness, where they still flattered the small client, where bank charges did not exist. The bankers called me, flattered me, imagining that someday maybe, I'd be a good customer for them. They offered me small gifts, invited me to lectures. Up to, lately, offer me a diary every year, and even a beautiful Christmas tree.

And then the agenda became smaller and smaller. The lectures are gone. The costs have increased, there have been management costs, and interest has declined. And trust his money to the bank, it started to cost.

Then there were "the stories": the bonuses during the bailout, the assistance to the tax evasion, the scandal of the Libor or, more recently, the Panama papers. All these stories that have tarnished the image of the big Swiss banks, of UBS.

In parallel to that, I realized that UBS's bank charges were higher than elsewhere. So, in making the balance sheet, my banker was expensive, had a bad image and did not fit my values. A statement without appeal. Besides, I need something new. A dynamic bank, simple products, robot advisors. All that UBS does not have.

When you are not happy with your hairdresser, or your baker, you do not go back. When his health insurance is too expensive, one changes (or in any case one should). But, obviously, when it comes to banks, it's not done, to change.

I did it anyway. A memorable phone call with "my adviser." A betrayal, a mistake, a reckless act. After all that he had done for me (yes, truthful …). A breakup. Since he doesn't talk to me anymore. But since then, I have gained in simplicity in my banking relationships. I also saved a fee. And I'm more in tune with the image of my new bank. So even if it's not done, I encourage you to think about it!

Cover Image: Twicepix