And/Or Joint Account

A joint account based on the and/or principle is a joint account which allows each accountholder unlimited access to deposits without having to receive the consent of the other accountholders.

Any one of the accountholders may even give a third party full power over the account.

Request now for free

Low-Cost Bank Accounts & Debit Cards

Swiss Bank

Bank WIR Bankpaket Top

  • Best exchange rate: pay worldwide at the interbank rate

  • 24 free ATM withdrawals worldwide per year

  • Free account & card

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Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote

  • CHF 20 trading credit with code «YUHMONEYLAND»

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Start-up offer for new entrepreneurs

PostFinance

  • For startups

  • 2 year's free account management

  • Free credit card in the first year

Open now
Online private account

UBS Banking for adults

  • Open and manage your account, savings account, and cards easily in the UBS Mobile Banking App

  • Plus KeyClub rewards program

  • 50 CHF welcome gift

Learn more
Request now for free

Low-Cost Bank Accounts & Debit Cards

Swiss Bank

Bank WIR Bankpaket Top

  • Best exchange rate: pay worldwide at the interbank rate

  • 24 free ATM withdrawals worldwide per year

  • Free account & card

Benefit now
Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote

  • CHF 20 trading credit with code «YUHMONEYLAND»

Benefit now
Start-up offer for new entrepreneurs

PostFinance

  • For startups

  • 2 year's free account management

  • Free credit card in the first year

Open now
Online private account

UBS Banking for adults

  • Open and manage your account, savings account, and cards easily in the UBS Mobile Banking App

  • Plus KeyClub rewards program

  • 50 CHF welcome gift

Learn more
Deal of the Day
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Swiss Bank

Bank WIR Bankpaket Top

Best exchange rate: pay worldwide at the interbank rate

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Swiss bank packages comparison

Find the best bank offer now

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Trading platforms

Low-Cost Stockbrokers

Swiss Trading Platform

Swissquote

  • Leading Swiss online bank with FINMA license

  • Free multicurrency account & low commissions

  • Access to more than 3 million products (shares, ETFs, crypto and more)

Benefit now
Digital Private Banking

Managed by Alpian

  • Up to CHF 50 investment fee credit

  • Customized portfolios

  • Unlimited access to wealth advisor

Learn more for free
Swiss Broker

Saxo Bank Special Offer

  • Special offer: Reimbursement of brokerage fees up to CHF 200 for 90 days

  • Licensed Swiss bank (FINMA)

  • Free expert research and trading signals

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Swiss Broker

Cornèrtrader

  • Transfer costs covered up to CHF 1000

  • Up to 40'000 financial instruments

  • Swiss online bank

Test now
Trading platforms

Low-Cost Stockbrokers

Swiss Trading Platform

Swissquote

  • Leading Swiss online bank with FINMA license

  • Free multicurrency account & low commissions

  • Access to more than 3 million products (shares, ETFs, crypto and more)

Benefit now
Digital Private Banking

Managed by Alpian

  • Up to CHF 50 investment fee credit

  • Customized portfolios

  • Unlimited access to wealth advisor

Learn more for free
Swiss Broker

Saxo Bank Special Offer

  • Special offer: Reimbursement of brokerage fees up to CHF 200 for 90 days

  • Licensed Swiss bank (FINMA)

  • Free expert research and trading signals

Benefit now
Swiss Broker

Cornèrtrader

  • Transfer costs covered up to CHF 1000

  • Up to 40'000 financial instruments

  • Swiss online bank

Test now
Apply now

Leading Credit Cards

Free Manor Mastercard

Manor World Mastercard®

  • 20% welcome discount + 10x points on your first purchase

  • Free extended warranty, travel and purchase insurance

  • Pay worldwide and collect points (even earn double points at Manor)

Learn more now
Free credit card

PKZ Insider Card Visa

  • Welcome Bonus of CHF 100

  • No annual fees forever

  • Double bonus with PKZ and up to 1% worldwide

Learn more now
Free credit card

Migros Cumulus Visa

  • No annual fees

  • With Cumulus points

  • Without foreign currency fees

Learn more now
Free credit card

Swisscard Cashback Cards Amex

  • No annual fees

  • Two cards Amex & Visa/Mastercard

  • With cash back

Learn more now
For more comfort in everyday life and exclusive travel benefits

UBS Gold Credit Card

  • High card limit for more flexibility

  • Premium travel insurance included

  • Earn valuable KeyClub points with every payment

Learn more now
Free Credit Card

swisscard

  • Winner „most affordable card for use abroad“

  • Maximum security and full control

  • No annual fee

Learn more now
Apply now

Leading Credit Cards

Free Manor Mastercard

Manor World Mastercard®

  • 20% welcome discount + 10x points on your first purchase

  • Free extended warranty, travel and purchase insurance

  • Pay worldwide and collect points (even earn double points at Manor)

Learn more now
Free credit card

PKZ Insider Card Visa

  • Welcome Bonus of CHF 100

  • No annual fees forever

  • Double bonus with PKZ and up to 1% worldwide

Learn more now
Free credit card

Migros Cumulus Visa

  • No annual fees

  • With Cumulus points

  • Without foreign currency fees

Learn more now
Free credit card

Swisscard Cashback Cards Amex

  • No annual fees

  • Two cards Amex & Visa/Mastercard

  • With cash back

Learn more now
For more comfort in everyday life and exclusive travel benefits

UBS Gold Credit Card

  • High card limit for more flexibility

  • Premium travel insurance included

  • Earn valuable KeyClub points with every payment

Learn more now
Free Credit Card

swisscard

  • Winner „most affordable card for use abroad“

  • Maximum security and full control

  • No annual fee

Learn more now
Expert Benjamin Manz
Benjamin Manz was an expert on banking and financial topics at moneyland.ch.

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