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neon free

Banking via Smartphone
No account fees
Good exchange rates
Additions neon green and neon duo

General information:

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

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 tax statement is provided as a PDF file.

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

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. Exchange rate surcharge: 0.35%.

neon processes international transfers (SEPA and non-SEPA payments abroad) via Wise. Interbank exchange rates plus the exchange rate surcharges from Wise and neon are charged for this service.

Age:

For individuals from the age of 15.

Account type:

Online Account, Standard 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 is free of charge.

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: In the first year, there is a fee of 20.00. In the subsequent years, the annual fee is CHF 0.

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): CHF 2.50 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:
Per cash withdrawal abroad, there is a fee of 1.5% of the amount.

Special services:

Debit Mastercard, Mobile banking