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Do you know the African proverbIf you want to go fast, go alone. If you want to go far, go together"?
If you have your Achieve financial goals faster so it helps to have a common financial approach with your partner. The basis for this? A Joint account for couples.
A partner account offers a number of advantages, such as a better overview about the joint expenses and income. In this article you will find the big Partner Account Switzerland Comparison and hopefully the account that suits you best.
Let's start with the most important functions in the Partner Account Switzerland comparison.
Feel free to share in the comments which joint account you think is the most attractive in Switzerland!
Most banks offer similar Functions for partner accounts an. These include, for example:
Some banks also offer additional functions, such as Transfers abroad free of charge or special offers for travel or insurance.
However, it is worth taking a close look at which functions are most important to you and which bank covers them best. One possibility is to draw up a list of the bank's Key requirements for the account.
Please note: There is no such thing as the best partner account in Switzerland. Rather, you should find the joint account that suits you best.
The Fees for partner accounts vary depending on the bank and account type. Some banks require a monthly basic chargewhile other joint accounts free of charge are. Also the Costs for additional services such as foreign assignments or withdrawing cash abroad can vary.
Especially for the fees it is worth it to look carefully - especially when you consider that as a couple you often have higher sums on your account than a single person. So it can quickly become expensive if every transfer or withdrawal of money costs extra.
In the big Partner Account Switzerland Comparison lies the Focus on the partner accounts, the No or only low fees demand.
Notice: As fees are constantly changing, no guarantee is given for the following fees. Therefore, check the costs again carefully before opening your joint account.
Your key to success! Discover our top recommendations from real testimonials.
Zak Partner account with Common savings pots use. Thanks to the budget allocation function, you can also systematically classify common expenses and thus keep track of them.
| Bankpaket | Laufende Gebühren |
|---|---|
| New: Neon Duo partner account | CHF 3 per month per person |
| UBS Partner Account: Family account | CHF 15 per month |
| ZKB Partner Account Package Silver + Second Card | CHF 0 per month |
| Migros Bank private account + second card | CHF 5.50 per month or CHF 2.50 for account balances > CHF 7,500 |
| PostFinance e-finance plus | CHF 5 per month |
| Raiffeisen private account | CHF 0 account management for members, CHF 100 per year for cards |
No guarantee of topicality.
Besides the Functions and fees there are other featuresthat may be important when choosing a partner account. These include, for example:
Especially with the Customer Service and the Online banking security you should no compromises After all, we are talking about sensitive data and your money.
In a Survey in the Schwiizerfranke Community came 3 Joint accounts occur comparatively frequently. They all have different advantages and disadvantages.
The Partner Account Switzerland Comparison in the community resulted in the following 3 accounts:
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
There is no one best partner account in Switzerland. Overall each of these Swiss partner accounts has its advantages and disadvantages. The Schwiizerfranke joint account comparison Switzerland gives you the above features as a guide to help you.
However, you as a couple should Factors relevant to you take into account when choosing a joint account.
By the way, it is important that every individual also an own account leads. This way there are no disputes and it is also very helpful in extreme cases, because in the event of a death, for example, it can happen that a joint account is blocked.
But don't worry, you don't have to keep several accounts for which you have to pay. Free bank accounts for individuals with attractive interest rates find.
21 Responses
Does it still cost 12 at ZKB? They have largely abolished account fees, except for credit cards. Does this not apply to a joint account with two debit cards?
Top reports as always.
It's such a shame that Neo banks don't offer partner accounts. The only thing that comes closest to a partner account for me would be the new solution from Coop finance+. There is the option of ordering a second card.
For me, Revolut is far ahead of all Swiss solutions in terms of handling and look & feel. But due to the lack of deposit protection, I only use it as a "sack money" account.
We are currently looking for a partner account, whereby ZAK would still be the most plausible solution here, but somehow not, because although you can create joint savings pots, invoices / e-bills cannot be debited via these shared savings pots. (At least I couldn't manage that)
It's a shame that the neobanks are having such a hard time with joint accounts.
Hello Stef,
Unfortunately, that's still the case at the moment. However, I know that solutions are being worked on diligently in various places and that something new will certainly come onto the market soon 🙂
I am in the same situation as you. I would like to switch all my accounts from the traditional banks to the neobanks. It works fine with my own accounts. But I haven't yet found a satisfactory solution for our family/household account.
I really hope that Neon, Zak, Yuh (and whatever their names are) will bring something suitable to the market soon.
I would also have to think about the strategy for these savings pots. Of course, it would be "nicest" if you could make payments directly from these pots.
This way, you would have clear categories with which you can pay the regular fixed costs (taxes, bank account, internet, rent, electricity, etc.).
Unfortunately, this is not yet possible.
The Neon partner account is about to be released and should be available soon!
revolut offers a joint account (neon is planning to follow suit ->see faq).
Has anyone had any initial experience?
Recolut does not yet offer this in Switzerland. Or have I overlooked something?
Right, so far there is no Revolut partner account.
Unfortunately, the joint pots are not a "savings account" and cannot be topped up by both partners,
I also found this in the FAQs at ZEK. Do you have a life hack on how to do it?
Hi, Eric,
How do you settle rent, electricity, internet etc. with the savings pots? I can only imagine that the bills are debited from one account and then shared with the partner via savings pots.
Greetings
Marco
Hi Marco
Yes, that is a possible approach. For example, you both pay in the same amount every month and then the joint expenses are paid from this pot 🙂
Kind regards
Eric
First of all, thank you for all your reports on this site. Very informative! Since the beginning of the year, I have closed all my traditional bank accounts and transferred them to neo banks. Only the joint funds from our marriage are still with a traditional bank. We would like to invest there as well, but we can't find a suitable solution. On the one hand we have savings, on the other hand we have children's accounts (our own, godfather), which we would like to invest "cheaply". Do you have any tips?
Hello Oli
thank you for your positive feedback!
Important note in advance: Just remember that cash deposits are only secured up to CHF 100,000. So if you have higher deposits at a bank, spread them out. Here you can find more information about and Details on the deposit guarantee.
I don't quite understand you yet: You talk about banks and savings accounts, but you want to "invest" the money. Please always bear in mind that all investments have risks and you should only invest money that you can really do without in the long term and that you can also lose in extreme cases.
Savings that you need in the short and medium term are held in a normal bank account, which ideally pays you interest. Some savings account providers also offer investment opportunities (e.g. Neon). But it is imperative that you consider the two issues separately. Therefore, I would prefer on the one hand a good account solution and on the other hand a good Investment opportunity search
Another tip on the side: Continue to keep separate accounts (in addition to the joint account).
Good luck and best wishes
Eric
Hi Eric
Thank you for your answer. I have probably expressed myself in a somewhat complicated way. I would be interested to know how my wife and I invest our joint children's and godchildren's accounts, as well as our joint savings, in the best (most favourable) way. At the moment we have them at a "traditional bank", which charges high fees. It is important for us that we are both economically entitled to the money. As I understand it today, there are no joint solutions with all the modern investment providers.
Of course, we still have our own assets next door (brought in before the marriage), which we each manage ourselves. There is also a joint savings account for the nest egg.
Thanks a lot!
Hello Oli
Unfortunately, an official partner account is not yet very widespread among the neo-banks. In that case, one of the accounts from the selection above would be interesting for you. There are family packages and offers that should meet your needs.
There are of course other CH partner accounts that are not listed here. However, this selection should represent the most attractive offers.
Love 🙂
What's more, each SEPA transfer costs CHF 1.00 at Raiffeisen. It's not much, but it can add up if you transfer more often to other European countries.
Thanks for the important tip, Lars!
Hi Eric
As far as I know, there are no fees at Migros Bank from 7500 on the account. I don't know if it's different with a partner account.
I am planning to open a partner account with Migros. Let's see
greetings
ralph
Hi Ralph
this is currently still debited from the partner account. But thanks for your input, then this will be the case for the normal private account, as you say 🙂
Love!
Hello
Thank you for the article as I am looking for an affiliate account. ZAK is not 100% a partner account in my opinion. Why is there a 2.50 CHF charge at Migros Bank for +7500 CHF? I know Migros doesn't have great eBanking, but why isn't Migros Bank in the top 3?
Greetings
Ralph
Hello Ralph
thank you for your feedback 🙂
Since I don't determine the prices at Migros Bank, I can't tell you why account management becomes cheaper for balances of CHF 7,500 or more. The reasons are of course understandable, as the bank can "work" with the deposits and probably rewards you for this with lower fees.
Regarding your question about the top 3 selection: As described, the top 3 came from a survey (and not from my arbitrariness).
In that case, you use Migros Bank?
Kind regards
Eric