Neobanks - Mobile Banks - Digital Banks in Switzerland
Neobanks in Switzerland - The Ultimate Guide
In-depth reviews based on real-world usage, along with news, comparisons and verified promo codes, to help you choose the right Swiss neobank.
Which Swiss online bank should you choose in February 2026?
Which is the best neobank for travel? Read our Yuh vs Revolut and Yuh vs Neon reviews
Our review of Yuh shows that it is among the best digital banks in Switzerland, but it may not be suitable for everyone.We analyse fees, interest rates, features and investment options to determine who Yuh is ideal for and in which cases alternatives such as Alpian or Neon may be more relevant.🎁 Use the promo code YUHNEO to receive CHF 50 trading credit + 250 SWQ (CHF 5) when opening a Yuh account.⭐ Our rating: 8.6/10 (Excellent)
★★★★★
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YUHNEO
Account opening
8
Usability
9
Features
8
Credit Card
9
Fees
9
Security
9
Customer Service
8
PROS:
- Free Multi-currency account
- Free MasterCard
- IBAN in CH
- Free SEPA transfers
- Yuh TWINT, E-Bill
- Created by PostFinance and Swissquote, now 100% Swissquote.
CONS:
- 0.95% exchange fee
- No direct debit procedure (LSV)
Our Neon Bank review shows that it is one of the most affordable digital banks in Switzerland — but it may not be suitable for everyone.In this article, we analyse Neon’s fees, security, features and investment options to help you decide whether it’s the right choice for you. We also compare Neon with alternatives such as Alpian, Yuh and Zak to highlight their key differences.🎁 Use the promo code NEOTRADE to receive CHF 100 trading credit + free debit card when opening a Neon account.⭐ Our rating: 8.4/10 (Very good)
★★★★★
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NEOTRADE
Account opening
8
Usability
9
Features
8
Credit Card
8
Fees
9
Security
9
Customer Service
8
PROS:
- Free account
- IBAN CH
- Free MasterCard
- eBill
- Twint
- Free payments abroad
CONS:
- Only in CHF
- Fee on SEPA payments
- Only for Swiss residents
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Our Alpian review shows that it is well suited for users who want to go beyond a simple bank account and adopt a more structured approach to wealth management — but it may not be suitable for everyone.In this article, we share our hands-on experience, analyse fees, features and investment options, and explain for which profiles Alpian is — or is not — a good fit, particularly compared with alternatives such as Neon or Yuh.🎁 Use the promo code ALPNEO to receive CHF 120 when opening an Alpian account (CHF 55 with a CHF 500 deposit, then up to CHF 65 in investment fee credits).⭐ Our rating: 8.3/10 (Very good)
★★★★★
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ALPNEO
Account opening
9
Usability
9
Features
6
Credit Card
9
Fees
7
Security
9
Customer Service
9
PROS:
- Free account
- IBAN in CH
- Virtual cards
- Account in CHF, EUR, USD and GBP
- Free SEPA transfers
CONS:
- TWINT Prepaid
- Metal Visa debit card is not free
- Mandate fee of 0.75% per year
Our review of Zak Bank shows that this Swiss digital bank developed by Bank Cler is simple, accessible and well suited for everyday banking — though it may not be the right fit for everyone.In this article, we analyse fees, features, payment options and the overall user experience, and compare Zak with alternatives such as Yuh and Neon.🎁 Use the promo code NEOZAK to receive 50 CHF when you open your Zak bank account.⭐ Our rating: 7.9/10 (Good)
★★★★★
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Open an account
NEOZAK
Account opening
8
Usability
7
Features
7
Credit Card
8
Plans & Pricing
8
Speed
9
Customer Service
8
PROS:
- Fast account opening
- Free bank acount
- Free Visa Debit
- Shared spaces
- Invoice scan
- Fast transactions
CONS:
- No Chat support (bot)
- Account in CHF only
- Swiss residents only
Revolut Switzerland is an international neobank available to both Swiss residents and non-residents, offering a free multi-currency bank account managed through a powerful mobile app. The account includes a debit card and supports multiple currencies, making it well suited for travel, online payments and international use.Revolut is a good fit if you are looking for a free multi-currency account and flexibility for foreign currencies. However, due to the absence of a Swiss IBAN and limited local integrations, it is best used as a complementary account alongside a Swiss bank, rather than as a primary banking solution in Switzerland.Revolut Switzerland Overall Rating: 7.7/10
★★★★★
More details +Account opening
10
Usability
9
Features
7
Credit Card
8
Fees
7
Security
7
Customer Service
6
PROS:
- Fast account opening
- Free multi-currency account
- Excellent user interface
- Excellent exchange rates
CONS:
- Bank transfers up to 5 days
- Average customer service
- Fees increase frequently
N26 is a german neobank that allows Swiss residents to open a mobile bank account in EUR and benefit from services offered by the bank.The mobile bank account is free, as well as the virtual MasterCard. N26 offers very competitive exchange rates, making the neobank an ideal solution for travelling.N26 Switzerland Overall Rating: 7.7/10
★★★★★
More details +Account opening
10
Usability
9
Features
7
Credit Card
7
Fees
7
Security
8
Customer Service
6
PROS:
- Fast account opening
- Free account
- Free virtual card
- Excellent user interface
- Excellent exchange rates
- Customer service by Chat
CONS:
- Account in EUR only
- Prices increase frequently
Wise Switzerland is a neobank that allows Swiss residents to open a free multi-currency account and benefit from the services offered by the bank using a mobile application.Wise also offers a free Debit MasterCard attached to the multi-currency account.Wise Switzerland Overall Rating: 7.7/10
★★★★★
More details +Account opening
9
Usability
8
Features
6
Credit Card
8
Fees
9
Security
7
Customer Service
7
Reviews of the Swiss Neobanks Trading Platforms
Here’s my in-depth review of Guided by Alpian after 9 months of using it. I go through the investment guidance, personalized strategies, and overall performance I get through the platform, how it impacts my financial journey, and whether it’s suitable for others looking for investment guidance.
★★★★★
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NEOALP
Features
9
Services
9
Performance
9
Fees
8
PROS:
- Low entry fee (10,000 CHF)
- Low mandate fees (0.75%/year)
- Simple and intuitive interface
CONS:
- Offer limited to ETFs
- Not suitable for active traders
Get 120 CHF using the promo code ALPNEO when you open your free Alpian bank account.(CHF 55 with a CHF 500 deposit, then up to CHF 65 in investment fee credits)In this article, we review Alpian Investment, the investment platform offered through the Alpian App.Alpian Investment Overall Rating: 8.5/10
★★★★★
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ALPNEO
Features
7
Usability
9
Fees
8
Safety
10
PROS:
- Low entry fee (10,000 CHF)
- Low mandate fees (0.75%/year)
- Simple and intuitive interface
CONS:
- 0.2% exchange fee
- Offer limited to ETFs
- Not suitable for active traders
Receive 50 CHF Trading Credit + 250 SWQ (approx. 4 CHF) using the promo code YUHNEO when you open your Yuh bank account.In this article, we review the Yuh Invest, the investment platform offered through the Yuh App.Yuh Invest Overall Rating: 8.3/10
★★★★★
More details +
Open an account
YUHNEO
Features
8
Usability
8
Fees
7
Safety
10
PROS:
- Low transaction fees
- No custody fees
- Simple and intuitive interface
- Integration with the Yuh app
- Fractional share purchase
- Automatic savings plans
CONS:
- 0.95% exchange commission
- Limited supply of tradable securities
- No limit orders
- Not suitable for active traders
Get 100 CHF Trading Credit with the promo code NEOTRADE when you open your Neon Bank account.Neon Invest is the investment solution integrated into the Neon app, designed to let you invest easily directly from your bank account, without using an external broker. Neon Invest is a good fit for you if you want to get started with investing or follow a passive strategy, using a curated selection of stocks and ETFs. In this Neon Invest review, we assess how it compares to traditional brokers.Neon Invest Overall Rating: 8/10
★★★★★
More details +
Open an account
NEOTRADE
Features
6
Usability
8
Fees
8
Safety
10
PROS:
- Low transaction fees (0.5% for Swiss stocks)
- No custody fees
- No currency conversion fees
- Simple and intuitive interface
- Integration with the Neon app
- Good for beginner investors
- Automatic savings plans
CONS:
- Limited supply of tradable securities
- No limit orders
- Cannot buy fractional shares
- Not suitable for active traders
Use our promo codes and referral codes
Some neobanks give you cash when you sign up
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