Swiss Neobanks Comparison Matrix

Yuh Bank Review (February 2026): Everyday Banking & Investing
8.6
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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 February 28, 2026 to receive CHF 50 trading credit + 250 SWQ (CHF 5) when opening a Yuh account.
⭐ Our rating: 8.6/10 (Excellent)
Yuh
In stock
Account opening
8
Usability
9
Features
8
Credit Card
9
Fees
9
Security
9
Customer Service
8
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%

Neon Bank Review (February 2026): Simple & Low-Cost Banking
8.4
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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 February 28, 2026 to receive CHF 100 trading credit + free debit card when opening a Neon account.
⭐ Our rating: 8.4/10 (Very good)
Neon
In stock
Account opening
8
Usability
9
Features
8
Credit Card
8
Fees
9
Security
9
Customer Service
8
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%

Alpian Review (February 2026): A Digital Take on Private Banking
8.3
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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 before February 28, 2026 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)
Alpian
In stock
-
Account opening
9
Usability
9
Features
6
Credit Card
9
Fees
7
Security
9
Customer Service
9
❌
0.75%/an
❌
❌
18 years
Private
Switzerland
Visa, American Express
CHF 60
CHF 60
CHF 2
EUR 5
2.5%
✅
✅
✅
✅
CHF, EUR, GBP, USD
CH IBAN
❌
Android, iPhone
✅
✅
✅ TWINT Prepaid
Free
❌
Free
Free
0.10%

Zak Bank Review (February 2026): Digital Banking by Bank Cler
7.9
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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 February 28, 2026 to receive 50 CHF when you open your Zak bank account.
⭐ Our rating: 7.9/10 (Good)
Banque Cler
In stock
-
Account opening
8
Usability
7
Features
7
Credit Card
8
Plans & Pricing
8
Speed
9
Customer Service
8
❌
❌
❌
❌
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%