Swiss Neobanks Comparison Matrix

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 before January 31, 2026 to receive 50 CHF when you open your Zak bank account.

⭐ Our rating: 7.9/10 (Good)

❌

❌

❌

❌

15 years

Private

Liechtenstein, Switzerland

Visa

Free

CHF 20

CHF 2 or free at Banque Cler ATM

CHF 5 or Free at Banque Cler ATM

CHF 5

Shopmate

✅

✅

❌

CHF

CH IBAN

❌

Android, iPhone

✅

✅

✅

Free

CHF 8/m.

❌

Free

Free

0.05%

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 before January 31, 2026 to receive CHF 100 trading credit + free debit card when opening a Neon account.

⭐ Our rating: 8.4/10 (Very good)

0.50%

0.50%

1.00%

❌

15 years

Private

Switzerland

MasterCard

CHF 20

CHF 20

2.50 CHF (free from neon plus)

1.5 % + 0.35 % (lower with neon plus, free with neon metal)

1.5 % + 0.35 % (lower with neon plus, free with neon metal)

✅

✅

✅

❌

CHF

CH IBAN

❌

Android, iPhone

✅

✅

✅

Free

CHF 5/m.

CHF 15.00/m.

0.9%

Free

0.00%

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 before January 31, 2026 to receive CHF 50 trading credit + 250 SWQ (CHF 5) when opening a Yuh account.

⭐ Our rating: 8.6/10 (Excellent)

0.50%

0.50%

0.50%

1.00%

14 years

Private

Austria, France, Germany, Italy, Liechtenstein, Switzerland

MasterCard

Free

CHF 20

1x/week free, then CHF 1.90

1x/week free, then CHF 1.90

CHF 4.90

❌

✅

✅

✅

CHF, EUR, Multi-currency

CH IBAN

❌

Android, iPhone

✅

✅

✅

Free

❌

❌

Free

Free

0.10%

Since March 31, 2025, Yapeal has stopped offering new accounts for private individuals. The Swiss neobank is now focusing exclusively on B2B services for businesses and partners.

Yapeal Overall Rating: 7.6/10

❌

❌

❌

❌

7 years

Private, Business

Austria, France, Germany, Italy, Liechtenstein, Switzerland

Visa

CHF 7

CHF 10

CHF 2

CHF 5

CHF 5

❌

✅

✅

❌

CHF

CH IBAN

✅

Android, iPhone

✅

✅

❌

Free

CHF 4.90/m.

CHF 8.90/m.

Free

Free

0.00%

CSX by Crédit Suisse is a Swiss neobank that enables Swiss residents to open a mobile bank account and access a variety of banking services through a user-friendly mobile app.

The account comes with a complimentary Debit Mastercard, making everyday transactions easy and convenient.

CSX Overall Rating: 7.8/10

❌

❌

❌

❌

12 years

Private

Switzerland

MasterCard

Free

CHF 20

CHF 2 or free at Credit Suisse ATM with Premium

EUR 3.50

CHF 4.75 plus 0.25%

❌

❌

❌

CHF

CH IBAN

✅

Android, iPhone

✅

✅

✅

Free

CHF 3.95/m.

CHF 67.00/m.

Free

Free

0.00%