Valiant Private Account

You must be at least 28 to open this account. That's not a typo.

The Valiant Private Account ranks #40 among Switzerland's 45 private accounts. Valiant is a mid-sized Swiss bank with strong roots in the Bern, Solothurn, and Aargau regions. At CHF 110 per year with a minimum age of 28, this is one of the more restrictive and expensive standard private accounts.

Are the Fees Worth It?

Total annual cost: CHF 110 (CHF 60 for account management plus CHF 50 for the Debit Mastercard). That makes it one of the more expensive private accounts in Switzerland. Domestic payments and SEPA transfers are free, but non-SEPA international transfers cost CHF 5 each.

For CHF 110, you're getting a standard private account with no interest, no bonus features, and no particular innovation. The math is straightforward: you're paying a premium for traditional banking infrastructure. Credit cards are available separately at additional cost.

What Actually Stands Out

Honestly, very little stands out from a feature perspective. This is a straight-down-the-middle traditional Swiss bank account. Mobile banking, online banking, Debit Mastercard, free SEPA. All standard.

Valiant is a listed Swiss bank with a solid regional presence. If you already have a mortgage, investment account, or other products with Valiant, consolidating your banking makes practical sense. The relationship value is the main argument here, not any single account feature.

What Most Reviews Miss

The age 28 minimum is the highest we've seen among Swiss private accounts. Most banks set the bar at 18-26. If you're 27, you literally can't open this account. Valiant funnels younger customers to their youth and student products.

Cash withdrawals at Valiant ATMs are free, but other Swiss ATMs cost CHF 2. Abroad, it's CHF 5 per withdrawal. No contactless on the debit card. At this price point, the lack of any differentiating feature is itself the main finding. You're paying CHF 110 for basic banking.

The Bottom Line

At CHF 110 per year with no standout features, this ranks low for a reason. It serves existing Valiant customers who want everything under one roof. For new customers shopping purely on value, there are much better options. Use our account matching tool to find accounts that fit your budget and needs.

Verdict: For existing Valiant clients consolidating their banking. New customers should look elsewhere.