Neobank

The term neobank is used to denote financial services providers which offer their services entirely through digital channels and compete directly with conventional banks. Many neobanks offer their services primarily through a mobile app, which is why they are sometimes referred to as smartphone banks.

In many cases, Neobanks are new startups rather than established financial services providers.

Not all neobanks hold banking licenses. Many of them collaborate with bank or other established service providers which provide some or all of the actual services. Neobanks, for their part, typically manage the production and maintenance of the mobile app, provide customer services, and manage customer onboarding and relationships.

More on this topic:
Neobanks in Switzerland: Guide and comparison

 

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

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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
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Leading Swiss online bank with FINMA license

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Managed Premium

Discretionary Mandate

  • Up to CHF 100 welcome bonus

  • Customized portfolios & unlimited access to wealth advisor

  • Daily rebalancing

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Free credit card

Swisscard Cashback Cards Amex

  • No annual fees

  • Two cards Amex & Visa/Mastercard

  • With cash back

Learn more now
Swiss Trading Platform

Swissquote

  • Leading Swiss online bank with FINMA license

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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

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Find out more

Current Offers

Managed Premium

Discretionary Mandate

  • Up to CHF 100 welcome bonus

  • Customized portfolios & unlimited access to wealth advisor

  • Daily rebalancing

Learn more for free
Free credit card

Swisscard Cashback Cards Amex

  • No annual fees

  • Two cards Amex & Visa/Mastercard

  • With cash back

Learn more now
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
Free Immediate Assistance in the Event of Death

Pax Care

  • CHF 2,000 in emergency assistance in the event of death

  • Personal support from professionals

  • 100% free of charge

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
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

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