English

neon metal

Banking via Smartphone
Good exchange rates
Free cash withdrawals worldwide
Additions neon green and neon duo
Cashback on foreign transfer fee (Wise)

General information:

Swiss private account for use by smartphone. The Swiss Hypothekarbank Lenzburg acts as your banking partner.

Account management: Monthly plan (CHF 15 per month) or annual plan (CHF 150 per year) possible. Minimum term 12 months.

Neon metal (metal package) includes a high-quality metal card, free cash withdrawals worldwide, cell phone insurance, three additional years of warranty on electronic devices, a best price guarantee, and ticket insurance.

The neon additions neon green and neon duo can be combined with any plan (CHF 3 per month in each case).

With the neon card, you can withdraw a maximum of CHF 2000 cash per day, spend CHF 5000 online and CHF 5000 in stores. Paper account statement not possible.

The account is opened via smartphone either by photo ID or video call.

There are no surcharges for card payments (online or in shops) and cash withdrawals abroad. The Mastercard interbank exchange rate is used everywhere.

International transfers (SEPA and non-SEPA payments abroad) are processed by neon via Wise.

Cashback on foreign transfer fee (Wise): 40%.

Age:

For individuals from the age of 15.

Account type:

Online Account

Currency:

CHF

Interest rate:

0% per year.

Withdrawals:

There is no withdrawal limit.

Account opening:

The account opening is free of charge.

Account management:

The account management costs CHF 180.00 per year.

Closing of account:

The closing of account is free of charge.

Termination of banking relationship:

The termination of the banking relationship is free of charge.

Annual account closure:

The annual account closure is free of charge.

Statements of account:

The monthly statements of account by mail are free of charge.

Incoming payment:

Incoming payment in CHF are free of charge.

Outgoing payment (Switzerland):

Electronic payment orders in CHF are free of charge.

SEPA payment:

Electronic SEPA payment orders in EUR are free of charge.

Non-SEPA payment (abroad):

Electronic Non-SEPA payment orders in foreign currencies are free of charge.

Direct debit (LSV) Switzerland:

Electronic payment orders by direct debit (LSV) within Switzerland are free of charge.

Standing order Switzerland:

Electronic standing orders in CHF within Switzerland are free charge.

Annual fee debit card:

Debit card: There is no annual fee to pay.

Purchase Switzerland:

Debit card: Purchases in Switzerland in CHF are free of charge.

Purchase abroad:

Debit card: Purchases in foreign currencies are free of charge.

Cash withdrawal Switzerland:

Cash withdrawals at all ATMs in Switzerland in Swiss francs (CHF): 5 withdrawals per month free of charge, then CHF 2.5 per withdrawal.
Cash withdrawals at the checkout of supermarkets such as Coop, ALDI or LIDL (minimum purchase of CHF 10) are free of charge.

Cash withdrawal abroad:

Debit card:
Cash withdrawals abroad are free of charge.

Special services:

Mobile banking, Online banking