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Private Account Comparison Switzerland2025
Find the best private account in Switzerland. Compare account fees, card fees, e-banking and mobile apps.
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What you should know
Private accounts (salary accounts, payment accounts) are the standard bank account for daily transactions in Switzerland. Traditional banks (UBS, ZKB, Raiffeisen) charge CHF 5-15/month in account management fees. Neobanks like Neon, Yuh, Zak, and Radicant offer free accounts without basic fees. All Swiss accounts are protected by deposit insurance up to CHF 100,000. Watch for hidden costs: ATM fees abroad (CHF 5 per withdrawal), exchange rate markups (1-2.5%), debit card annual fees.
Expert tips
Switch to free account (Neon, Yuh, Zak) – save CHF 100-180 per year.
Watch foreign fees: neobanks often cheaper for debit/ATM abroad.
Check if Maestro/Debit Mastercard/Visa Debit suffices or if credit card needed.
Multi-account strategy: free main account + savings account with interest at alternative bank.
Compare app features: budget-tracking, savings goals, cashback often included at neobanks.
Frequently asked questions
Which private accounts are free?
Neon, Yuh, Zak, Radicant offer free accounts without basic fee. Traditional banks: CHF 5-15/month (UBS, ZKB, Raiffeisen).
What does a private account cost?
Free (neobanks) to CHF 180/year (traditional banks). Additional costs: foreign ATM CHF 5, exchange markup 1-2.5%.
Are neobanks safe?
Yes, Swiss neobanks (Neon, Yuh, Zak) have banking license or partner bank. Deposit insurance CHF 100,000 applies same as UBS/ZKB.
What's the difference between Neon and UBS?
Neon: free, app-only, modern, fewer branches. UBS: account fees, branches, personal contact, broader product range (loans, mortgages).
Can I have multiple private accounts?
Yes, many use multi-account strategy: free main account (Neon) + savings account with interest (alternative bank) + foreign currency account if needed.
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Compare private accounts nowDisclaimer: The information provided on this page is for informational purposes only and does not constitute legal, financial, or tax advice. All information is provided without guarantee. Current conditions may differ from those mentioned here. Please check with the respective providers before concluding a contract.