Notre avis sur Bank WIR Private Account top
Zero fees on everything, including cash withdrawals abroad. But there's a membership condition.
The Bank WIR Private Account top ranks #3 among Switzerland's 45 private accounts. It's a genuinely free account with impressive features, available as part of Bank WIR's top banking package. The catch? You need to meet one of several conditions to qualify.
What Does Free Actually Mean?
No account management fee. No debit card fee. Free cash withdrawals in Switzerland and abroad. Free domestic and SEPA payments. The only cost is CHF 5 for non-SEPA international transfers. On paper, this is one of the most generous free accounts in Switzerland.
But "free" comes with conditions. You need either monthly incoming payments of CHF 1,500, pension assets of CHF 20,000 at Bank WIR, a mortgage of CHF 300,000 at Bank WIR, or a share certificate for CHF 200. The share certificate is the easiest path in.
What Actually Stands Out
Free worldwide ATM withdrawals combined with a Debit Mastercard and zero account fees is a combination almost no Swiss bank offers without a premium price tag. Most competitors charge CHF 5 per foreign withdrawal, so this saves frequent travelers CHF 60-120 per year easily.
Bank WIR has been operating as a cooperative bank since 1934, and they offer both individual and joint accounts. Annual statements come as e-documents, and you get a free e-tax statement at the beginning of each year. That's a nice touch for tax season.
What Most Reviews Miss
The termination fee is CHF 15. Not huge, but worth knowing. Most cantonal banks offer free account closure. If you're testing this account to see if it works for you, that's a minor exit cost to factor in.
The qualification criteria are the real consideration. If your salary doesn't land here (CHF 1,500/month) and you don't have other Bank WIR products, the cheapest entry is the CHF 200 share certificate. That's essentially a one-time cost for lifetime free banking. A decent trade-off if the account fits your needs.
The Bottom Line
If you can meet the qualification criteria, especially through the CHF 200 share certificate, Bank WIR top delivers outstanding value. Free everything, including worldwide ATM access, is hard to beat at any price. Compare it against the field in our best private accounts in Switzerland ranking.
Verdict: Exceptional free account for those who qualify. The share certificate route makes it accessible to almost anyone.
Avantages
- No annual fees
- No minimum deposit required
- Modern mobile and online banking
- Free SEPA payments
Inconvénients
- No contactless payment
- Age restriction: For individuals from the age of 18.
Détails du compte
En un coup d'œil
Gestion de compte
Sans frais
Taux d’intérêt
0.00%
Frais de carte de débit
Sans frais
Devise
CHF
Frais et coûts
Frais et coûts
Frais d’ouverture de compte
Sans frais
Gestion de compte
Sans frais
Frais de carte de débit
Sans frais
Retrait d’espèces (Suisse)
Gratuit
Retrait d’espèces (Étranger)
Sans frais
Paiement sortant (CH)
Sans frais
Paiement SEPA
Sans frais
Non-SEPA Payment Abroad
CHF 5
Fonctionnalités bancaires
Fonctionnalités bancaires
Banque mobile
Disponible
Banque en ligne
Disponible
Options de carte de débit
Caractéristiques principales
- Free account management
- No annual fee for debit card
- Mobile banking available
- Online banking available
- Debit Mastercard included
- Free cash withdrawals in Switzerland
- Low minimum deposit requirement
Âge minimum requis
Dès 18 ans
Conditions de retrait
Conditions de retrait
Clôture de compte
Frais de CHF 15.00
Informations supplémentaires
Informations supplémentaires
- Only available with a banking package
- Available as individual or joint account
Calculez vos coûts annuels
Annual Cost Breakdown
You Pay Per Year
Gratuit
Évaluation par catégorie
Comparer à des comptes similaires
Questions fréquemment posées
- Who qualifies for the WIR top banking package?
- You need to meet at least one of four conditions: monthly incoming payments of CHF 1,500, pension assets of at least CHF 20,000 at Bank WIR, a mortgage of at least CHF 300,000 at WIR, or a share certificate for CHF 200. Most people meet the salary threshold by default. If none apply, the share certificate is the cheapest workaround.
- Are Bank WIR cash withdrawals abroad really free?
- CHF 0 per ATM withdrawal abroad, which is rare for a traditional Swiss bank rather than a neobank. That puts WIR top alongside Neon Metal, PostFinance SmartPlus and Zak Plus on this front. Combined with the package's free debit card, you have a bank that doesn't punish you for travelling.
- Does it really cost CHF 15 to close the WIR top relationship?
- Yes, CHF 15 to terminate the banking relationship instead of the free closure most peers offer. Not a deal-breaker, but worth knowing if you tend to bank-hop. Keep the account open as a backup if you'd otherwise close it for free elsewhere.
Comment nous avons noté ce compte
Vous vous demandez pourquoi Bank WIR Private Account top a obtenu cette note ? Nous évaluons les comptes Comptes privés selon une formule pondérée. Voici ce qui compte.
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