Once again, online comparison service moneyland.ch carried out a representative online survey of customer satisfaction with Swiss banks. The survey included 1500 residents of French- and German-speaking Switzerland between the ages of 18 and 74.
Differences in customer satisfaction
The survey accounted for the following criteria: Friendliness of employees, consultation, customer service, online banking, mobile banking (mobile app), fees and costs, interest rates (like savings accounts and time deposits), value-for-money, security, and overall satisfaction. Participants also rated their satisfaction with these different banking services: Private accounts, savings accounts, bank packages, debit cards, pillar 3a accounts or pillar 3a retirement funds, mortgages, stock brokerage.
The 1500 survey participants rated their satisfaction with their banks on a scale of 1 (not at all satisfied) to 10 (completely satisfied).
The results show that Swiss consumers are generally satisfied with their banks. But there are substantial differences between service providers, individual criteria, and banking services. “Customers of Swiss banks are most satisfied with the security and online banking services provided by their banks, and by the friendliness of bank employees. They are least-satisfied with the interest paid by their banks, and by the costs of banking,” observes moneyland.ch expert Benjamin Manz.
Security tops, interest rates and fees flop
Security received a rating of 8.2 out of 10 points, making it the best-rated criteria. It is followed by online banking (8 points), the friendliness of employees (7.9 points), mobile banking and mobile apps (7.8 points), overall satisfaction and customer service (7.7 points), and consultation (7.6 points). Value-for-money received 7.4 points, on average. Fees and costs received just 6.9 points, and interest for savings account balances and time deposits received just 6.4 points, on average.
Differences between linguistic regions
Survey participants in French-speaking regions rated their overall satisfaction with their banks at 7.8 out of 10 points, compared to 7.7 points in German-speaking Switzerland. Interest rates received an average rating of 6.2 points in the Romandy, and 6.5 points in German-speaking regions.
Satisfaction higher among older residents
There are no noteworthy differences between men and women when it comes to customer satisfaction with banks. But there are differences between age groups.
With an average satisfaction rating of 7.9 out of 10 points, residents between the ages of 50 and 74 are more satisfied with their banks than adults in the 26 to 49 and 18 to 25 age groups (7.6 points each).
Banks with the highest overall customer satisfaction
The moneyland.ch survey asked participants to rate their overall satisfaction with their banks (refer to the downloadable PDF). The following banks received the highest ratings, on average: Neon (8.3 out of 10 points), the Zürcher Kantonalbank and Luzerner Kantonalbank (8.1 points each), and Raiffeisen (8 points). All of those scores translate into “very good” ratings. Next in line are the Berner Kantonalbank, Bank Cler, Zak (Bank Cler), and Yuh, all of which received 7.9 points.
Bank Cler and the Berner Kantonalbank received the highest ratings for consultation (8.2 out of 10 points), followed by Raiffeisen (7.9 points).
Customer satisfaction with individual banking services
Customer satisfaction varies between the individual products offered by banks. Bank customers are most satisfied with their debit cards (8 out of 10 points), followed by savings accounts, bank packages, pillar 3a accounts and retirement funds, and mortgages (7.5 points each). Stock brokerage accounts had the lowest customer satisfaction (7.3 points). Refer to the full survey results in the downloadable PDF.
Customer satisfaction with personal accounts
On average, survey participants rated their satisfaction with their private accounts with 7.6 out of 10 points, which translates into a “good” rating.
Neon received the highest ratings for private accounts, with 8.3 out of 10 points. The Luzerner Kantonalbank and the Banque Cantonale Vaudoise both received 8.1 points for private accounts. The Zürcher Kantonalbank received 8 points.
Customer satisfaction with bank packages is highest among customers of Baloise Bank and Crédit Agricole Next Bank, at 8.1 out of 10 points. Next in line are the Zürcher Kantonalbank (8 points), Swissquote, and Valiant (7.9 points each).
Customer satisfaction with debit cards
The Zürcher Kantonalbank has the highest customer satisfaction ratings for debit cards, at 8.5 out of 10 points, followed by Neon (8.4 points) and the Banque Cantonale Vaudoise (8.3 points). The Berner Kantonalbank, Valiant, and Yuh each received 8.2 points, and Bank Cler, Postfinance, and Zak received 8.1 points each. Crédit Agricole Next Bank and UBS also had “very good” ratings for debit cards, with 8 points each.
Customer satisfaction with savings accounts
Valiant received the highest customer satisfaction rating for savings accounts (8.2 out of 10 points), followed by Baloise Bank, Bank Cler, Yuh, and the Zürcher Kantonalbank with 8 points each. All of these translate into “very good” ratings.
Customer satisfaction with pillar 3a accounts
On average, customers rate their banks with 7.5 out of 10 points (a “good” rating) for pillar 3a accounts and retirement funds. Viac has the highest satisfaction rating, at 8.1 points, followed by Frankly (Zürcher Kantonalbank) with 8 points.
Customer satisfaction with mortgages
Swissquote and the Zürcher Kantonalbank share first place in terms of customer satisfaction with mortgages (8.3 out of 10 points), followed by Bank Cler (8.1 points).
Methodology
The study is based on a representative online survey carried out by market research institute Ipsos on behalf of moneyland.ch in April 2025. A total of 1500 residents of Switzerland between the ages of 18 and 74 rated their satisfaction with their banks.
Participants rated their satisfaction with these criteria:
- Friendliness of employees
- Consultation
- Customer service
- Online banking
- Mobile banking (mobile app)
- Fees and costs
- Interest (savings account and time deposits)
- Value-for-money
- Security
- Overall satisfaction
Additionally, participants also rated their satisfaction with specific banking services:
- Personal accounts
- Savings accounts
- Bank packages
- Debit cards
- Pillar 3a accounts and retirement funds
- Mortgages
- Trading and stock brokerage
The 1500 participants rated their satisfaction with their banks on a scale of 1 (not at all satisfied) to 10 (completely satisfied). Participants also had the option of abstaining from rating individual factors.
More on this topic:
Swiss bank customer satisfaction survey 2025: Table by criteria (PDF), table by products (PDF)
Swiss bank comparisons
Deal of the Day 
