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We tested Neon Bank and the Neon app for you, gathered our experiences and wrote a Neon review for you. Of course, we give you all the necessary tips and a voucher code. We show you the advantages and disadvantages and go into detail about how Twint is supported.
Our Neon Bank experience can certainly help you decide whether Neon suits you and whether you should use it as a salary account, for example.
NEW: Secure now CHF 100 trading credit as a gift! 🎉
Open your Neon account and enter the code TRADE when registering. You will receive CHF 100 trading credit, which you can use in your first 3 trades within the first 2 months. A perfect start for your investments - get started now!
4,9
🏆 Cheapest bank 2024 - Neon has done it again!
The Neon Bank is the first independent account app available in Switzerland. Independent means not being directly involved with big banks or other institutions.
With Neon, you are not tied to a house bank or other institutions with high fees. You can clean up your wallet and, in extreme cases, only use the Mastercard of neon with you.
While Neon offers a tidy banking solution, "Hypi" is working in the background. The Hypothekarbank Lenzburg ensures secure and reliable banking with Swiss deposit protection.</span
For several years, the founding team has made it their mission to create the simplest account in Switzerland. Intuitive operation and yet maximum certainty are right up there. Paperless, a Account opening in 10 minutes and other features are assured for a positive Neon Bank experience.
Outstanding favourable conditions at home and abroad are also key. In 2023, the Neon Investment function was added, but more on that in a moment.
Neon not free after all? Every account has fees, because banks have to cover their costs.
Moneyland carried out an independent test and examined the fees of the respective accounts with different usage behaviour. Various typical users with domestic and international payments were analysed.
For most user profiles, Neon is the cheapest bank in Switzerland. Especially incl. Mastercard, Neon becomes the cheapest solution!
NEW: Secure now CHF 100 trading credit as a gift! 🎉
Open your Neon account and enter the Neon Bank code when registering TRADE in. You will receive CHF 100 trading creditwhich you can use in your first 3 trades within the first 2 months. A perfect start for your investments - start now!
This is less important for young people, but sometimes it is for older people: Neon has no branches as an online bank. This saves enormous costs, which can then be invested in good telephone support. We have never had to wait on hold for support at Neon! This point is therefore only a limited criticism in the Neon Bank review.
You have been able to invest directly within the Neon app via Neon Invest since 2023.
The securities are traded on the Berne Stock Exchange at very customer-friendly conditions. Because there are no flat fees, you can also invest small amounts with Neon.
Here are all the Neon Investment advantages at a glance:
The extremely popular Neon Partner Account has been available under the name "Neon Duo" since April 2024!
Everything you need to know about the Neon joint account at a glance:
Technically, this is a very smart solution because you can both keep your own Neon account and still use a new joint account.
The additional card for the Neon partner account costs CHF 3 per month per person, which is very fair.
Remember that although there are Partner accounts without account fees but these usually have very high hidden costs. An example: With the Neon joint account you have extremely favourable exchange rate fees abroad. If you no longer pay for your holidays with the expensive card from the big bank, but now with the Neon joint account, you will save a lot of money in future!
More You can find information about Neon Duo here. You can open the two individual Neon accounts free of charge and even with starting credit using the following code:
NEW: Secure now CHF 100 trading credit as a gift! 🎉
Open your Neon account and enter the code TRADE when registering. You will receive CHF 100 trading credit, which you can use in your first 3 trades within the first 2 months. A perfect start for your investments - get started now!
From free to premium: Neon Free has launched the Premium Metal Card for CHF 15 per month. Similar to the Neon Green card, the Neon Metal card offers an extended warranty on electronic devices purchased with the card. This gives the Neon Metal card a special status in terms of sustainability. For Neon Metal cardholders, there is insurance such as mobile phone insurance and other cover, depending on how much you have already spent with your Metal card:
There are quite a few players in the Swiss banking world. Old favourites such as UBS, Postfinance and the like are now also digital, but high fees put some customers off.
Neon Free does not (yet) offer such a large feature catalogue as digital providers abroad. Share trading and the like are not yet possible with Neon, but is that necessary?
In true Swiss style, Neon doesn't promise too much too soon. On their website, they show transparently what is coming soon and do not promise the impossible. TWINT, for example, was quickly implemented and integrated into the Neon app throughout Switzerland.
As far as the Neon fees are concerned, the bank in Switzerland has absolutely top conditions! For international transfers Neon cooperates with Wise, a provider for international payments. This makes it possible to transfer money to countless countries and currencies at unbeatable conditions within a very short time. This works intuitively within the Neon app, if you tap there on foreign payment.
When it comes to the usability of the app, we give the Neon Schweiz app full marks. There is really nothing to criticise here.
A Neon Bank Partner Account (if two people want to use the same account) is not yet offered, but with the free account management you can also open two accounts with confidence.
Oh, and by the way: If you really want to master your finances, you should take a look at the 3 Accounts View Model. How you can implement this with neon, for example, you will learn in the Spartipps Switzerland Articles.
NEW: Secure now CHF 100 trading credit as a gift! 🎉
Open your Neon account and enter the code TRADE when registering. You will receive CHF 100 trading credit, which you can use in your first 3 trades within the first 2 months. A perfect start for your investments - get started now!
If you're looking for a low-cost, fully digital bank that offers you top conditions abroad, Neon Bank Switzerland is the right place for you. Our Neon rating is extremely positive and the reviews for Neon-Free on other platforms are also consistently very good.
The Neon experiences shared in the comments from the community have been positive and recommendable for years. We can recommend Neon to you and have kindly asked for a welcome gift for you! With the Promo code «TRADE" you will now receive CHF 100 cashback on your first 3 trades in the first 2 months at Neon Invest!
If you want to use Apple Pay with Neon, you can do so conveniently. To do so, link your Neon card in your settings under Apple Pay as a payment method. You can then use Apple Pay with Neon Free.
If you want to use Twint with Neon Bank, you can do so with a little trick. The best way to do this is to install the UBS Twint app. Register for free (have your ID ready) and add your neon card (both card number and IBAN). Now you can use Twint with the Neon Bank.
Anyone who wants to deposit money at Neon Bank should do so digitally. Neon Bank is an online bank and does not have any branches. Therefore, use a bank transfer or alternatively the deposit via payment slip at the post office (fees may apply here).
If you want to withdraw money with Neon Bank, you can do so twice a month free of charge at third-party ATMs with the Neon Free card. In the Neon app via Sonect, you can also find additional options for withdrawing cash free of charge as often as you like. You can also withdraw money free of charge at Lidl stores with the Neon Bank.
Neon works with Mastercard as payment service provider. Since Mastercard offers a very large international network, we were able to gain experience with our Neon credit card in many countries. There were almost never problems. Nevertheless, it is advisable to carry cash and a Visa credit card (e.g. Zak) when traveling extensively.
Of course you can use Neon as a payroll account. The best way to do this is to move money from the incoming account where your salary arrives to a sub-account ("Neon Spaces"). This way there is less money exposed on your main account. If your total assets in the Neon salary account become too large, consider withdrawing a portion of them. This always makes sense from CHF 100,000 at the latest.
Yes, at Neon the savings pots are called Spaces.
Tip: Use the Neon savings pots (Spaces) for even better interest rates.
Here you will find a big comparison of online banks for Switzerland.
Source reference comparison calculator and graphic: Online bank comparison
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