Swiss-made

Bank Account Comparison Tool: Compare Side by Side

Pick up to 3 Swiss bank accounts and see their fees, interest, limits, features and our verdict in columns. The best value in every row is highlighted in green.

Looking for the full ranking?
Popular
At a glanceHighest rated:neon plusCheapest abroad:Yuh Private AccountHighest interest:Bank Cler Private Account Zak
neon

neon plus

4.8/ 5
Bank Cler

Bank Cler Private Account Zak

4.7/ 5
Yuh

Yuh Private Account

4.6/ 5

Our verdict

Our rating
Best value in this row: 4.8
4.7
4.6
Our take

neon plus

neon plus ranks #4 of the 12 neobanks we rank, with 4.8/5. It's neon free with the two biggest irritants removed: the 0.35% card markup and paying for every Swiss cash withdrawal. If you travel or pull cash even a couple of times a month, it pays for itself.

Bank Cler Private Account Zak

The Bank Cler Zak ranks #1 among Switzerland's 47 private accounts. It's a smartphone-only account built for people who've moved past branch banking and want a clean, fee-free everyday account. If you're comfortable doing everything on your phone, this deserves serious consideration.

Yuh Private Account

The Yuh Private Account ranks #5 among Switzerland's 47 private accounts. Backed by Swissquote, it's a smartphone-only account that combines everyday banking with multi-currency capabilities in one app. If you're comfortable managing everything from your phone, this is one of the most feature-packed free options available.

Best for

neon plus

  • neon free users who withdraw francs at least twice a month
  • travellers who want zero card markup from a Swiss-licensed bank
  • anyone who wants to try a paid plan without a 12-month lock-in

Bank Cler Private Account Zak

  • Swiss residents who want zero-fee everyday banking via smartphone
  • digital-comfortable users who rarely visit bank branches
  • anyone looking for a clean, simple primary account with cantonal bank backing

Yuh Private Account

  • digital-first bankers who manage everything via smartphone
  • travellers who hold EUR or USD in the app, so card payments in those currencies skip the 0.95% exchange fee
  • users wanting multi-currency capabilities with 13 currencies
Consider alternatives if

neon plus

  • you need TWINT linked straight to your account
  • you get paid in EUR or USD and want to hold those currencies
  • you withdraw cash abroad often, where neon metal charges nothing

Bank Cler Private Account Zak

  • you regularly make payments outside the SEPA area or in currencies beyond CHF and EUR
  • you need frequent cash withdrawals at non-Bank Cler ATMs
  • you prefer in-person banking with paper statements

Yuh Private Account

  • you need frequent cash withdrawals at ATMs
  • you prefer in-person banking at a physical branch
  • you want your savings to earn interest rather than sit at 0%

Account basics

Account Type
Everyday accounts
Everyday accounts
Everyday accounts
Currency
CHF
CHF
CHF
Age Requirement
From age 15
From age 12
From age 18

Fees & Costs

Management fee
CHF 24/year
Best value in this row: Free
Best value in this row: Free
Debit card fee
Free
Free
Free
Cash Withdrawal (Switzerland)
2 free, then CHF 2.50
Own ATMs free, others CHF 2.00
1 free, then CHF 1.9
Cash Withdrawal (Abroad)
—
CHF 5
Best value in this row: CHF 4.9
Outgoing Payment (Switzerland)
Free
Free
Free
SEPA Payment
Free
Free
Free

Interest & Limits

Interest Rate
0.00%
Best value in this row: 0.05%
0.00%
Withdrawal Limit
No restrictions
No restrictions
No restrictions

Banking Features

Mobile Banking
Yes
Yes
Yes
Online Banking
—
No
Yes
Debit Mastercard
Yes
No
Yes
Debit Visa
No
Yes
No
Contactless Payments
Yes
Yes
Yes

Pros & cons

Pros

neon plus

  • No minimum deposit required
  • Contactless debit card

Bank Cler Private Account Zak

  • No annual fees
  • No minimum deposit required
  • Contactless debit card

Yuh Private Account

  • No annual fees
  • No minimum deposit required
  • Modern mobile and online banking
  • Contactless debit card
Cons

neon plus

  • Annual management fee (CHF 24/mo)

Bank Cler Private Account Zak

—

Yuh Private Account

—

3 of 3 selected

Take the next step

Compare the Swiss products behind these numbers.

Adrien MissiouxJordana da Mata
Written by Adrien Missioux·Reviewed by Jordana da Mata
Last updated on

How to use the comparison tool

Rankings tell you who's good in general. A head-to-head tells you who's better for you. That's what this tool is for.

  1. Pick up to 3 accounts. Mix private accounts, savings accounts and neobanks like neon, Yuh, Revolut or Zak. Or start from one of the popular comparisons.
  2. Read the verdict first. The top rows show our take, who each account is best for, and when you should look elsewhere.
  3. Scan for green. In every numeric row, the best value is highlighted. Lowest fee, highest rate, lowest minimum deposit.
  4. Turn on "Only differences". Rows where all accounts are identical disappear, so you only see what actually separates them.
  5. Share the link. The URL keeps your selection, so you can send the exact comparison to your partner or bookmark it for later.

What to compare head-to-head

Green cells are a shortcut, not a decision. An account can win five rows and still cost you more if those rows don't match how you bank.

Total yearly cost for your usage

Add up the rows that apply to you: debit card fee, account management, and cash withdrawals multiplied by how often you actually take cash out. A "free" account that charges for every ATM withdrawal can end up more expensive than one with a small card fee and free withdrawals. Our bank account fees guide explains every fee type in detail.

Costs abroad and in foreign currencies

If you travel, shop online in euros or send money to family abroad, the withdrawal-abroad and SEPA payment rows matter more than the headline account fee. For frequent travellers, this row often decides the whole comparison.

Interest on savings

Checking accounts usually pay little or nothing. If you're comparing savings accounts, look at the rate together with the minimum deposit, the withdrawal limit and the notice period. A higher rate with tight withdrawal rules is only a good deal for money you really won't touch.

App quality and banking features

Mobile banking, contactless payments, the type of debit card: these don't show up in fee rows, but you use them every day. The pros and cons at the bottom of each column capture what the numbers miss.

Deposit protection

Swiss deposits are protected up to CHF 100,000 per person per bank through esisuisse, whether the bank is a neobank partner or a big traditional name. Cantonal banks add a cantonal guarantee on top.

How to break a tie

If two accounts come out roughly equal, decide on the one thing you'll do most often. Daily card payments in Switzerland? Pick the better app. Regular trips abroad? Pick the cheaper foreign-currency costs. Still tied? Open both.

Neobank vs traditional bank side by side

Put a neobank next to a traditional bank and the pattern is almost always the same.

What you gain with a neobank: low or zero account fees, fast online opening, a modern app, and often better conditions for spending abroad.

What you give up: branches, face-to-face advice, and usually mortgages, overdrafts and the wider product range of a full-service bank. Support happens in the app or by chat.

That's why many people in Switzerland end up with both: a traditional account for the complex stuff and a neobank for everyday spending.

Typical head-to-head comparisons

Neon vs Yuh

The most common Swiss neobank matchup. Both are app-only with a Swiss IBAN, but they differ on cash withdrawals, currency costs and investing. Run them side by side here for the live numbers, then read our detailed neon vs Yuh comparison for the scenarios, the paid plans and our recommendation.

Revolut vs a Swiss neobank

Revolut is built for multi-currency spending and travel. Swiss neobanks like neon, Yuh or Zak are built for Swiss daily banking: salary, bills, eBill and TWINT. Compare the abroad and SEPA rows against the domestic rows, and ask yourself which one you'll use more.

Savings account vs checking account at the same bank

Useful if you're happy with your bank and just want to know whether moving money to its savings account is worth it. Compare the interest rate against the withdrawal limit and notice period. That tells you how much flexibility you're trading for the extra yield.

Frequently asked questions

How many bank accounts can I compare at once?

Up to 3. That's enough to settle a real decision while keeping every column readable, including on mobile.

Where does the data come from and how often is it updated?

We check every account monthly against the bank's published fee schedule and conditions. Products change often, so the tool always shows the latest data we have rather than numbers frozen in an article.

Can I share a comparison?

Yes. The link keeps your selection, so whoever opens it sees the same accounts in the same order.

Can I compare a savings account with a checking account?

Yes. Rows that don't apply to one of the accounts, such as a notice period on a checking account, show a dash instead of a value, so you can still compare everything else fairly.

Not sure which accounts to compare?

Start with our full ranking of Swiss bank accounts to build a shortlist, then come back here to settle it head-to-head. For the full story on a single product, read our bank account reviews.