neon free
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Banking via Smartphone
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No account fees
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Good exchange rates
- CHF 10 discount with code «moneyland»
- Spaces: Interest rate of 0.9%
Swiss private account (individual or shared account) for use by smartphone. The Swiss Hypothekarbank Lenzburg acts as your banking partner.
The account is opened via smartphone either by photo ID or video call.
No annual fee. In the first year, a one-off fee of 10 francs is charged for sending the card. But with the code "moneyland" the 10 francs are waived.
There is a Swiss deposit insurance in the amount of 100'000 francs.
A special feature are the favourable exchange rates, which are considerably more advantageous than those of traditional Swiss banks.
There are no surcharges for card payments abroad (online or in shops). A surcharge of 1.5% is levied on 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 (TransferWise). Interbank rates plus the Wise and neon exchange rate surcharges (+0.4%) are charged. As a rule, these rates are still significantly lower than those of other Swiss banks. There are no other fees in addition to the exchange rate surcharge.
The neon account can only be opened by persons residing in Switzerland.
0%. In the neon Spaces area: interest rate of 0.9%, above CHF 25,000 0.65%.
Cash withdrawals at all ATMs in Switzerland in Swiss francs (CHF): 2 withdrawals per month free of charge, then CHF 2 per withdrawal.
Per cash withdrawal abroad, there is a fee of 1.5% of the amount.
