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Swiss neobanks compared

Neobank comparison
Sebastian HirnDaniel Jenn
Author: Sebastian HirnEditor: Daniel Jenn
Updated on

Neobanks stand for digital banking without branches: lower fees, simple account management and full control via the app. Evaluno’s Swiss neobank comparison shows the most important providers, their costs, features and special traits — so you can find the right solution for everyday life, travel or saving.

13 neobank plans compared

Data as of:

Neon Free Card

Neon Free

neon

per month
CHF 0
Cash withdrawal in Switzerland
CHF 2.50
Cash withdrawal abroad
1.5 % fee
FX markup
0.35 %
View deal

General

Banking licence/partner bank
Hypothekarbank Lenzburg (Swiss banking licence)
Country of origin
Switzerland
Deposit insurance
CHF 100'000

Payments

Domestic payments
Free
Payments abroad
0.8–1.7 % service fee depending on amount and currency
SEPA transfers
1.5 % FX markup on EUR transfers
eBill
Yes

Account

Available currencies
CHF
Interest
0.0 %
Multi-currency
No
Joint account
Yes (Neon Duo, CHF 3/person/month)

Cards

Card type
Mastercard Debit
Card issuing fee
CHF 20
Metal card
No
Limit changes in the app
No
Virtual cards
No
Cashback/rewards programme
No

Saving, pension & investing

Savings account
Yes
Investment products
ETFs, equities, ETPs
Pillar 3a account
No
Pillar 3a investing
Yes

Additional services

Insurance
Available separately (e.g. phone insurance, travel insurance, extended warranty)
Benefits
Wise integration for payments abroad

App, support & advice

Languages
DE, EN, FR, IT
Platform
Mobile app (iOS, Android)
App ratings (Apple)
4.57'617 ratings
App ratings (Android)
4.410'622 ratings
Support
AI chat, email
Zak Card

Zak

Zak by CLER

per month
CHF 0
Cash withdrawal in Switzerland
CHF 0 at Cler ATMs, otherwise CHF 2.00
Cash withdrawal abroad
CHF 5.00
FX markup
2.00 %
View deal

General

Banking licence/partner bank
Bank Cler Ltd (Swiss banking licence)
Country of origin
Switzerland
Deposit insurance
CHF 100'000

Payments

Domestic payments
Free
Payments abroad
2 % FX markup
SEPA transfers
Free
eBill
Yes

Account

Available currencies
CHF, EUR
Interest
0.05 % (savings account: 0.20 %)
Multi-currency
Yes
Joint account
No

Cards

Card type
Visa Debit
Card issuing fee
Free
Metal card
No
Limit changes in the app
No
Virtual cards
Yes
Cashback/rewards programme
No

Saving, pension & investing

Savings account
Yes
Investment products
Equities, ETFs, funds
Pillar 3a account
Yes
Pillar 3a investing
Yes

Additional services

Insurance
-
Benefits
Zak Café (free coffee at Bank Cler branches), 50 % off brokerage fees with Zak Invest

App, support & advice

Languages
DE, FR, IT
Platform
Mobile app (iOS, Android)
App ratings (Apple)
4.713'154 ratings
App ratings (Android)
4.53'750 ratings
Support
Contact form, phone
Yuh Card

Yuh

Yuh

per month
CHF 0
Cash withdrawal in Switzerland
1× free per week, then CHF 1.90
Cash withdrawal abroad
CHF 4.90
FX markup
0.95 %
View deal

General

Banking licence/partner bank
Swissquote Bank Ltd (Swiss banking licence)
Country of origin
Switzerland
Deposit insurance
CHF 100'000

Payments

Domestic payments
Free
Payments abroad
0.95 % service fee
SEPA transfers
Free
eBill
Yes

Account

Available currencies
CHF, EUR, USD, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGD
Interest
0.0 %
Multi-currency
Yes
Joint account
Yes

Cards

Card type
Mastercard Debit
Card issuing fee
Free
Metal card
No
Limit changes in the app
No
Virtual cards
Yes
Cashback/rewards programme
No

Saving, pension & investing

Savings account
Yes
Investment products
ETFs, equities, crypto
Pillar 3a account
Yes
Pillar 3a investing
Yes

Additional services

Insurance
Pocket insurance (everyday items such as phones, headphones, house/car keys, wallet, glasses insured up to set amounts when paid with the Yuh card)
Benefits
—

App, support & advice

Languages
DE, EN, FR, IT
Platform
Mobile app (iOS, Android)
App ratings (Apple)
4.720'820 ratings
App ratings (Android)
4.212'194 ratings
Support
Phone, message, chat
Alpian Standard Card

Alpian Standard

Alpian

per month
CHF 0
Cash withdrawal in Switzerland
CHF 2.00
Cash withdrawal abroad
CHF 5.00
FX markup
0.20 % (weekdays), 0.50 % (weekends & holidays)
View deal

General

Banking licence/partner bank
Alpian SA (Swiss banking licence)
Country of origin
Switzerland
Deposit insurance
CHF 100'000

Payments

Domestic payments
Free
Payments abroad
7 CHF/USD/GBP per transaction outside the currency zone
SEPA transfers
Free
eBill
Yes

Account

Available currencies
CHF, EUR, USD, GBP
Interest
0.01–0.10 %
Multi-currency
Yes
Joint account
No

Cards

Card type
Visa Platinum
Card issuing fee
Free
Metal card
Yes
Metal card price
CHF 60
Limit changes in the app
—
Virtual cards
up to five online cards free
Cashback/rewards programme
No

Saving, pension & investing

Savings account
Yes
Investment products
ETFs, equities, wealth management
Pillar 3a account
Yes
Pillar 3a investing
Yes

Additional services

Insurance
-
Benefits
Uber One (3 to 12 months free), Firstcaution (15 % off rental deposit insurance), Airalo (15 % off your travel eSIM), American Express Gold card (50 % off the card fee, CHF 50 credit and 45'000 points included), American Express Platinum card (50 % off the card fee, CHF 200 credit and 75'000 points included), Slint Invest (CHF 100 welcome bonus).

App, support & advice

Languages
DE, EN, FR, IT
Platform
Mobile app (iOS, Android)
App ratings (Apple)
4.5731 ratings
App ratings (Android)
4.3474 ratings
Support
Chat, video calls
Revolut Standard Card

Revolut Standard

Revolut

per month
CHF 0
Cash withdrawal in Switzerland
free up to CHF 200/month, then 2 %
Cash withdrawal abroad
free up to CHF 200/month, then 2 %
FX markup
1.0 % from CHF 1'250, plus 1.0 % on weekends
Visit provider

General

Banking licence/partner bank
Revolut Bank UAB (EU banking licence)
Country of origin
Lithuania
Deposit insurance
EUR 100'000

Payments

Domestic payments
Free
Payments abroad
1.0 % above CHF 1'250, plus 1.0 % on weekends
SEPA transfers
Free
eBill
No

Account

Available currencies
38 currencies (CHF, EUR, USD, GBP and more)
Interest
0.0 %
Multi-currency
Yes
Joint account
Yes (free)

Cards

Card type
Visa and Mastercard Debit
Card issuing fee
Free
Metal card
No
Limit changes in the app
Yes
Virtual cards
Yes
Cashback/rewards programme
RevPoints on card spending (1 pt/10 CHF)

Saving, pension & investing

Savings account
Yes
Investment products
Equities, ETFs, crypto
Pillar 3a account
No
Pillar 3a investing
No

Additional services

Insurance
-
Benefits
-

App, support & advice

Languages
20+ (DE, EN, IT, FR, ES, …)
Platform
Mobile app + web
App ratings (Apple)
4.871'975 ratings
App ratings (Android)
4.63.9 Mio. ratings
Support
In-app chat
Alpian Signature Card

Alpian Signature

Alpian

per month
CHF 0
Cash withdrawal in Switzerland
CHF 2.00
Cash withdrawal abroad
CHF 5.00
FX markup
0.20 % (weekdays), 0.50 % (weekends & holidays)
View deal

General

Banking licence/partner bank
Alpian SA (Swiss banking licence)
Country of origin
Switzerland
Deposit insurance
CHF 100'000

Payments

Domestic payments
Free
Payments abroad
7 CHF/USD/GBP per transaction outside the currency zone
SEPA transfers
Free
eBill
Yes

Account

Available currencies
CHF, EUR, USD, GBP
Interest
0.01–0.10 %
Multi-currency
Yes
Joint account
No

Cards

Card type
Visa Platinum
Card issuing fee
Free
Metal card
Yes
Metal card price
free
Limit changes in the app
Yes
Virtual cards
five virtual cards free
Cashback/rewards programme
0.1 % cashback

Saving, pension & investing

Savings account
Yes
Investment products
ETFs, equities, wealth management
Pillar 3a account
Yes
Pillar 3a investing
Yes

Additional services

Insurance
-
Benefits
Uber One (3 to 12 months free), Bucherer (CHF 500 voucher), Firstcaution (15 % off rental deposit insurance), Mercedes-Benz Driving Events, Proton (38 % off Proton Unlimited), Carify (CHF 200 off the first car subscription), Airalo (15 % off your travel eSIM), American Express Gold card (50 % off the card fee, CHF 50 credit and 45'000 points included), American Express Platinum card (50 % off the card fee, CHF 200 credit and 75'000 points included), Slint Invest (CHF 100 welcome bonus). Lower investment fees (between 0.50 % and 0.69 % instead of 0.75 %).

App, support & advice

Languages
DE, EN, FR, IT
Platform
Mobile app (iOS, Android)
App ratings (Apple)
4.5731 ratings
App ratings (Android)
4.3474 ratings
Support
Chat, video calls
Neon Plus Card

Neon Plus

neon

per month
CHF 2
Cash withdrawal in Switzerland
2× free per month, then CHF 2.50
Cash withdrawal abroad
1.0 % fee
FX markup
free
View deal

General

Banking licence/partner bank
Hypothekarbank Lenzburg
Country of origin
Switzerland
Deposit insurance
CHF 100'000

Payments

Domestic payments
Free
Payments abroad
0.8–1.7 % service fee depending on amount and currency
SEPA transfers
1.5 % FX markup on EUR transfers
eBill
Yes

Account

Available currencies
CHF
Interest
0.0 %
Multi-currency
No
Joint account
Yes (Neon Duo, CHF 3/person/month)

Cards

Card type
Mastercard Debit
Card issuing fee
CHF 20
Metal card
No
Limit changes in the app
No
Virtual cards
No
Cashback/rewards programme
No

Saving, pension & investing

Savings account
Yes
Investment products
ETFs, equities, ETPs
Pillar 3a account
No
Pillar 3a investing
Yes

Additional services

Insurance
Available separately (e.g. phone insurance, travel insurance, extended warranty)
Benefits
Wise integration for payments abroad

App, support & advice

Languages
DE, EN, FR, IT
Platform
Mobile app (iOS, Android)
App ratings (Apple)
4.57'617 ratings
App ratings (Android)
4.410'622 ratings
Support
AI chat, email, phone service
Neon Global Card

Neon Global

neon

per month
CHF 8
Cash withdrawal in Switzerland
3× free per month, then CHF 2.50
Cash withdrawal abroad
0.5 % fee
FX markup
free
View deal

General

Banking licence/partner bank
Hypothekarbank Lenzburg
Country of origin
Switzerland
Deposit insurance
CHF 100'000

Payments

Domestic payments
Free
Payments abroad
0.8–1.7 % fee depending on amount / currency
SEPA transfers
1.5 % FX markup on EUR transfers
eBill
Yes

Account

Available currencies
CHF
Interest
0.0 %
Multi-currency
No
Joint account
Yes (Neon Duo, CHF 3/person/month)

Cards

Card type
Mastercard Debit
Card issuing fee
Free
Metal card
No
Limit changes in the app
No
Virtual cards
No
Cashback/rewards programme
20 % off international transfer fees

Saving, pension & investing

Savings account
Yes
Investment products
ETFs, equities, ETPs
Pillar 3a account
No
Pillar 3a investing
Yes

Additional services

Insurance
Travel insurance, cyber and shopping insurance
Benefits
Wise integration for payments abroad

App, support & advice

Languages
DE, EN, FR, IT
Platform
Mobile app (iOS, Android)
App ratings (Apple)
4.57'617 ratings
App ratings (Android)
4.410'622 ratings
Support
AI chat, email, phone service
Zak Plus Card

Zak Plus

Zak by CLER

per month
CHF 8
Cash withdrawal in Switzerland
free
Cash withdrawal abroad
Free
FX markup
2.00 %
View deal

General

Banking licence/partner bank
Bank Cler Ltd (Swiss banking licence)
Country of origin
Switzerland
Deposit insurance
CHF 100'000

Payments

Domestic payments
Free
Payments abroad
2 % FX markup
SEPA transfers
Free
eBill
Yes

Account

Available currencies
CHF, EUR
Interest
0.05 % (savings account: 0.20 %)
Multi-currency
Yes
Joint account
No

Cards

Card type
Visa Debit
Card issuing fee
free
Metal card
No
Limit changes in the app
No
Virtual cards
Yes
Cashback/rewards programme
No

Saving, pension & investing

Savings account
Yes
Investment products
Equities, ETFs, funds
Pillar 3a account
Yes
Pillar 3a investing
Yes

Additional services

Insurance
-
Benefits
Zak Café (free coffee at Bank Cler branches), priority support, 50 % off brokerage fees with Zak Invest

App, support & advice

Languages
DE, FR, IT
Platform
Mobile app (iOS, Android)
App ratings (Apple)
4.713'154 ratings
App ratings (Android)
4.53'750 ratings
Support
Contact form, phone
Revolut Premium Card

Revolut Premium

Revolut

per month
CHF 11
Cash withdrawal in Switzerland
free up to CHF 400/month, then 2 %
Cash withdrawal abroad
free up to CHF 400/month, above that 2 %
FX markup
no markup
Visit provider

General

Banking licence/partner bank
Revolut Bank UAB (EU banking licence)
Country of origin
Lithuania
Deposit insurance
EUR 100'000

Payments

Domestic payments
Free
Payments abroad
Free
SEPA transfers
Free
eBill
No

Account

Available currencies
38 currencies (CHF, EUR, USD, GBP and more)
Interest
0.0 %
Multi-currency
Yes
Joint account
Yes (free)

Cards

Card type
Visa Debit and Mastercard Debit
Card issuing fee
Free
Metal card
No
Limit changes in the app
Yes
Virtual cards
Yes
Cashback/rewards programme
RevPoints on card spending (1 pt/4 CHF)

Saving, pension & investing

Savings account
Yes
Investment products
Equities, ETFs, crypto
Pillar 3a account
No
Pillar 3a investing
No

Additional services

Insurance
-
Benefits
7 subscriptions included: NordVPN Standard, Perplexity Pro, Tinder Plus, Picsart, Freeletics Coach, Sleep Cycle, Headspace. Airport lounge access CHF 30/pass

App, support & advice

Languages
20+ (DE, EN, IT, FR, ES, …)
Platform
Mobile app + web
App ratings (Apple)
4.871'975 ratings
App ratings (Android)
4.63.9 Mio. ratings
Support
In-app chat
Neon Metal Card

Neon Metal

neon

per month
CHF 15
Cash withdrawal in Switzerland
5× free per month, then CHF 2.50
Cash withdrawal abroad
free
FX markup
free
View deal

General

Banking licence/partner bank
Hypothekarbank Lenzburg
Country of origin
Switzerland
Deposit insurance
CHF 100'000

Payments

Domestic payments
Free
Payments abroad
0.8–1.7 % service fee depending on amount and currency
SEPA transfers
1.5 % FX markup on EUR transfers
eBill
Yes

Account

Available currencies
CHF
Interest
0.0 %
Multi-currency
No
Joint account
Yes (Neon Duo, CHF 3/person/month)

Cards

Card type
Mastercard Debit
Card issuing fee
Free
Metal card
Yes
Metal card price
free
Limit changes in the app
No
Virtual cards
No
Cashback/rewards programme
40 % off international transfer fees

Saving, pension & investing

Savings account
Yes
Investment products
ETFs, equities, ETPs
Pillar 3a account
No
Pillar 3a investing
Yes

Additional services

Insurance
Travel insurance, cyber and shopping insurance, phone insurance against damage and theft, and more.
Benefits
Wise integration for payments abroad, phone insurance, three additional years of warranty on electronic devices and comprehensive shopping, cyber and travel insurance packages

App, support & advice

Languages
DE, EN, FR, IT
Platform
Mobile app (iOS, Android)
App ratings (Apple)
4.57'617 ratings
App ratings (Android)
4.410'622 ratings
Support
AI chat, email, phone service
Revolut Metal Card

Revolut Metal

Revolut

per month
CHF 19
Cash withdrawal in Switzerland
free up to CHF 800/month, then 2 %
Cash withdrawal abroad
free up to CHF 800/month, then 2 %
FX markup
no markup
Visit provider

General

Banking licence/partner bank
Revolut Bank UAB (EU banking licence)
Country of origin
Lithuania
Deposit insurance
EUR 100'000

Payments

Domestic payments
Free
Payments abroad
Free
SEPA transfers
Free
eBill
No

Account

Available currencies
38 currencies (CHF, EUR, USD, GBP, …)
Interest
0.0 %
Multi-currency
Yes
Joint account
Yes (free)

Cards

Card type
Visa Debit and Mastercard Debit
Card issuing fee
Free
Metal card
Yes
Metal card price
free
Limit changes in the app
Yes
Virtual cards
Yes
Cashback/rewards programme
RevPoints on card spending (1 pt/2 CHF)

Saving, pension & investing

Savings account
Yes
Investment products
Equities, ETFs, crypto
Pillar 3a account
No
Pillar 3a investing
No

Additional services

Insurance
-
Benefits
13 subscriptions included: NordVPN Plus, Financial Times, WeWork 3 passes/month, Perplexity Pro, ClassPass 20 credits/month, Tinder Gold, Picsart, Freeletics Coach, Sleep Cycle, Headspace, Chess.com Diamond, The Athletic, Masterclass (full access). Free airport lounge access

App, support & advice

Languages
20+ (DE, EN, IT, FR, ES, …)
Platform
Mobile app + web
App ratings (Apple)
4.871'975 ratings
App ratings (Android)
4.63.9 Mio. ratings
Support
In-app chat
Revolut Ultra Card

Revolut Ultra

Revolut

per month
CHF 60
Cash withdrawal in Switzerland
free up to CHF 2000/month, then 2 %
Cash withdrawal abroad
free up to CHF 2000/month, then 2 %
FX markup
no markup
Visit provider

General

Banking licence/partner bank
Revolut Bank UAB (EU banking licence)
Country of origin
Lithuania
Deposit insurance
EUR 100'000

Payments

Domestic payments
Free
Payments abroad
Free
SEPA transfers
Free
eBill
No

Account

Available currencies
38 currencies (CHF, EUR, USD, GBP and more)
Interest
0.0 %
Multi-currency
Yes
Joint account
Yes (free)

Cards

Card type
Visa Debit and Mastercard Debit
Card issuing fee
Free
Metal card
Yes
Metal card price
free
Limit changes in the app
Yes
Virtual cards
Yes
Cashback/rewards programme
RevPoints on card spending (1 pt/1 CHF)

Saving, pension & investing

Savings account
Yes
Investment products
Equities, ETFs, crypto
Pillar 3a account
No
Pillar 3a investing
No

Additional services

Insurance
Personal liability insurance
Benefits
14 subscriptions included (NordVPN Plus, Financial Times, WeWork 1 pass/month, Perplexity Pro, ClassPass 10 credits/month, Tinder Gold, Picsart, Freeletics Coach, Sleep Cycle, Headspace, Chess.com Platinum, The Athletic, Masterclass >45 courses) Airport lounge access CHF 30/pass

App, support & advice

Languages
20+ (DE, EN, IT, FR, ES, …)
Platform
Mobile app + web
App ratings (Apple)
4.871'975 ratings
App ratings (Android)
4.63.9 Mio. ratings
Support
In-app chat + in-app calls

Source: provider websites, product documents and direct information from providers, as of .

All information without guarantee, rates and fees can change at any time. Evaluno earns a commission when an account is opened through some of these links. This does not change the results or their ranking. Evaluno’s methodology

What is a neobank?

A neobank is a purely digital bank without branches. Opening an account, making payments, managing your card — everything happens in the app. Neobanks are usually free and score with ease of use and low fees abroad.

In Switzerland, Neon, Yuh and Zak are among the best-known providers. There are also international providers such as Revolut that are available to Swiss customers as well.

Who is a neobank worth it for?

Neobanks work well as a second account, or as a main account if you rarely need cash and prefer to do your banking digitally. They are particularly practical for travel — the exchange rates are usually considerably better than at traditional banks.

Frequently asked questions

A neobank, or smartphone bank, is a purely digital bank without branches. Opening an account, making payments, managing your card — everything happens in the app. Neobanks are usually free and score with ease of use and low fees abroad.

The best-known Swiss neobanks are Neon, Yuh, Zak and Alpian. International providers such as Revolut are also available — with their own strengths, but with limitations in everyday Swiss life (no eBill, no TWINT).

No. Swiss providers such as Neon, Yuh, Zak and Alpian offer a personal CH IBAN. Revolut has also provided a Swiss IBAN since mid-2025 — but it is a shared account, which can cause problems with salary payments.

Yes — provided the neobank holds a Swiss banking licence or works with a Swiss bank. In that case, the esisuisse deposit insurance applies up to CHF 100'000. Revolut doesn’t have a Swiss banking licence; deposits there are protected by the EU deposit guarantee up to EUR 100'000.

The most important differences: account fees, the exchange rate markup on payments abroad, cash withdrawal fees, TWINT and eBill (Swiss providers only), and additional features such as pillar 3a, investing or a multi-currency account.

Legal disclaimer

Evaluno does not provide investment, legal or tax advice and is no substitute for personal advice.

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Evaluno is committed to neutrality.

  • Providers cannot buy a better ranking on Evaluno or influence its assessments.
  • Editorial content and comparisons are based exclusively on verifiable facts.
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