Radicant allows users to open a second Swiss franc (CHF) account directly from its mobile app. This feature can be useful for organizing finances, separating budgets, or tracking a specific project.
Why open a second CHF account?
A second CHF account offers more flexibility in managing money. It helps distribute funds according to different purposes and provides a clearer view of each budget.
💼 Separate budgets
Having multiple accounts helps distinguish essential expenses (rent, insurance, bills) from optional budgets (leisure, personal purchases, savings).
This makes it easier to track each category without mixing them.
🌴 Prepare a project
A dedicated account can be used to save toward a specific goal: travel, planned purchase, or emergency fund.
The account balance reflects the amount truly available for that project.
🎯 Follow a fixed budget
By transferring a set amount each month to a secondary account, it becomes easier to stick to a spending limit.
This approach helps control certain expenses without affecting the main account.
🧘 Gain clarity
Separating accounts provides a clearer overview:
you can immediately see which funds are reserved for a particular purpose and which are available for daily spending.
💳 Simplify certain transfers
Each account has its own IBAN, which makes it easier to:
- set up automatic transfers to a specific account,
- receive separate income or reimbursements.
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Use the promo code neorad by September 30, 2025 to receive 50 CHF in cash 🙌 (make 3 payments with the debit card within 30 days).
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How does Radicant’s second CHF account compare to other neobanks?
Several neobanks offer similar tools to organize money into multiple spaces or sub-accounts.
The main difference is that Radicant allows you to open real CHF accounts, each with its own IBAN. This gives you more autonomy compared to virtual sub-accounts offered by other banks.
Here’s how other neobanks approach this feature:
- Neon uses Spaces: virtual CHF sub-accounts for saving toward different goals. They do not have individual IBANs.
- Yuh offers Projects: dedicated spaces for specific savings goals. These are not separate accounts with their own IBAN.
- Zak provides Pots: internal budgets to separate expenses or savings, without unique IBANs.
- Revolut features Vaults: virtual sub-accounts available in multiple currencies, useful for saving but without separate IBANs.
- Wise offers Jars: separated spaces from the main balance, for saving or planning, also without individual IBANs.
- N26 uses Spaces: sub-accounts in EUR to organize money, without unique IBANs.
Main difference
With Radicant, each CHF account is a full bank account with its own unique IBAN.
This allows you to:
- make and receive transfers separately,
- allocate funds to a specific purpose,
- and track each budget independently.
Other neobanks mainly offer virtual sub-accounts, which are useful for budgeting and saving, but less independent in terms of banking operations.
How to create a second CHF account in the Radicant app
Opening a second CHF account is done directly from the app:
- Open the Radicant app.
- Go to the Accounts section.
- Select Add account.
- Choose the currency CHF.
- Give the account a name (for example “Vacation” or “Projects”).
The new account will then appear in the list, with a distinct IBAN and the same functions as a main account.
Key points
- All Radicant accounts are denominated in Swiss francs (CHF).
- Transfers between accounts are possible free of charge.
- Each account has a unique IBAN.
- Management is done directly from the mobile app.
This option can be useful for structuring finances, setting distinct budgets, or tracking specific projects, without multiplying banks or tools.
Frequently Asked Questions (FAQ) about the Radicant CHF account
✅ Does Radicant offer a promo code or referral code?
Yes, Use the promo code neorad to get 50 CHF 🙌 from Radicant. Get the Radicant app ➡️.
✅ How do I open a second CHF account with Radicant?
The process is done directly from the Radicant app. Simply go to the Accounts section, select Add account, choose the CHF currency, and assign a name to the new account.
✅ How many CHF accounts can I have with Radicant?
Radicant allows the opening of multiple Swiss franc accounts to separate budgets or track different financial goals.
✅ Are there any fees for opening a second CHF account?
No, opening a second CHF account with Radicant does not incur additional fees. Transfers between accounts are also free.
✅ Does the second CHF account have a separate IBAN?
Yes, each CHF account has its own IBAN, making transfers, payments, and budget management easier.
✅ Can I give each CHF account a custom name?
Yes, you can name each account (for example “Vacation”, “Projects”, or “Leisure”) to easily identify its purpose.
✅ Can I transfer money between my CHF accounts?
Yes, transfers between CHF accounts are possible and free of charge. They can be made directly from the app.
✅ Does Radicant offer accounts in other currencies?
Currently, Radicant only offers accounts in Swiss francs (CHF).
radicant Promo Code: neorad
Don't have a radicant Bank account yet? Use our referral code to open your free radicant Bank account!
Use the promo code neorad by September 30, 2025 to receive 50 CHF in cash 🙌 (make 3 payments with the debit card within 30 days).
Get 50 CHF with radicant ➡️
