How Are the User Profiles in the Prepaid Card Comparison Defined?

 

You can find the bases for calculations here.
Go to the Swiss prepaid card comparison

The prepaid card comparison lets you choose between creating your own custom profile, or selecting one of the standard user profiles which matches your general card use.

Average user: “I only use my prepaid card occasionally”

  • Cash withdrawals at ATMs in Switzerland: 3 withdrawals per year; 200 francs per withdrawal.
  • Purchases in Switzerland and online purchases in Swiss francs: 10 purchases totaling 500 francs each month.
  • Purchases outside of Switzerland and online purchases in foreign currencies: 50 purchases per year; 45 euros per purchase.
  • Reloading of prepaid card: 8 reloads per year.

Frequent user: “I use my prepaid card a lot”

  • Cash withdrawals at Swiss ATMs: 8 withdrawals per year; 200 francs per withdrawal.
  • Cash withdrawals at foreign ATMs: 2 withdrawals per year; 175 euros per withdrawal.
  • Purchases in Switzerland and online purchases in Swiss francs: 75 purchases totaling 1500 francs each month.
  • Purchases outside of Switzerland and online purchases in foreign currencies: 150 purchases per year; 45 euros per purchase.
  • Reloading of prepaid card: 12 reloads per year.

Infrequent user: “I only use my prepaid card on rare occasions”

  • No cash withdrawals at ATMs.
  • Purchases in Switzerland and online purchases in Swiss francs: 2 purchases totaling 250 francs each month.
  • Purchases outside of Switzerland and online purchases in foreign currencies: 20 purchases each year; 70 euros per purchase.
  • Reloading of prepaid card: 4 reloads per year.

Emergency user: “I only use my prepaid card in emergencies”

  • No cash withdrawals at ATMs.
  • Purchases in Switzerland and online purchases in Swiss francs: 1 purchase worth 125 francs per month.
  • Purchases outside of Switzerland and online purchases in foreign currencies: 10 purchases per year; 70 euros per purchase.
  • Reloading of prepaid card: 4 reloads per year.

Switzerland-only user: I only use my prepaid card in Switzerland

  • Cash withdrawals at ATMs in Switzerland: 3 withdrawals per year; 200 francs per withdrawal.
  • No cash withdrawals at foreign ATMs. No purchases outside of Switzerland.
  • Purchases in Switzerland and online purchases in Swiss francs: 10 purchases totaling 500 francs each month.
  • Reloading of prepaid card: 8 reloads per year.

Abroad-only user: I only use my prepaid card when I travel

  • Cash withdrawals at ATMs outside of Switzerland: 2 withdrawals per year; 175 euros per withdrawal.
  • Purchases outside of Switzerland and online purchases in foreign currencies: 50 purchases per year; 45 euros per purchase.
  • No cash withdrawals at Swiss ATMs. No purchases in Switzerland.
  • Reloading of prepaid card: 8 reloads per year.
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Leading credit cards

Credit card promotion

SWISS Miles & More Gold

  • Starting bonus: 50,000 miles with promo code “MM24GC50”

  • Only half the fee in the 1st year

  • Gold card duo Visa & Amex

Free credit card

Migros Cumulus Visa

  • No annual fees

  • With Cumulus points

  • Without foreign currency fees

Free credit card

Swisscard Cashback Cards Amex

  • No annual fees

  • Two cards Amex & Visa/Mastercard

  • With cash back

Credit card promotion

Amex Gold

  • Extra bonus until 11.11.: 40,000 instead of 15,000 Membership Rewards points

  • ½ annual fee in the first year

  • Up to CHF 100 credit per year for consumption in a restaurant or with a delivery service of your choice

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  • Extra bonus until November 10: 75,000 instead of 45,000 Membership Rewards points

  • ½ annual fee in the first year

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Credit card promotion

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Starting bonus: 50,000 miles with promo code “MM24GC50”

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