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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!
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🏆 Cheapest bank 2025 - 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 bank charges: Cheapest bank in Switzerland?
Despite low fees, Neon remains unrivalled in terms of affordability: independent tests confirm that Neon is the most cost-effective banking solution in Switzerland for most user profiles.
Important fee changes since May 2025:
- Neon free:
- Neon plus, global, metalStaggered monthly fees with extended services and reduced or cancelled individual fees
These adjustments do not change the overall picture: Neon remains well below traditional banks in terms of price and continues to offer excellent value for money.
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 to young people, but sometimes it is to older people: As an online bank, Neon does not have any branches. 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:
Since May 2025 is that Neon partner account even more attractive: It is now Can be combined with all Neon plans (free, plus, global, metal) and the advantages of your chosen plan also apply to your Neon Duo card.
Everything you need to know about the Neon joint account at a glance:
The additional card costs CHF 3 per month per person - fair compared to other providers with hidden costs. The Neon joint account saves you money compared to expensive major bank cards, especially when travelling abroad.
Find out more in our Partner account comparison.
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!
An honest analysis of the Neon plans:
Neon free (0 CHF):
Neon plus (CHF 20/year with annual subscription):
Neon global (CHF 80/year with annual subscription):
Neon metal (CHF 150/year with annual subscription):
Conclusion:
All plans can be combined with Neon Green (environmental protection) and Neon Duo (joint account) for CHF 3/month per person.
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 fashion, Neon doesn't promise too much or too soon. On their website they show transparentwhat is coming soon and do not promise the impossible here.
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!
With the May 2025 update, the Neon Bank Switzerland has made its offering much more flexible. The four plans (free, plus, global and metal) now cover a wide range of needs - from cost-conscious users to premium customers who want comprehensive insurance benefits.
The Neon free plan remains without a monthly basic fee, with minor adjustments for foreign payments (0.35% exchange rate surcharge) and cash withdrawals (CHF 2.50, free at Coop, Lidl, Sonect). Since autumn 2025, the new card unfortunately costs CHF 20 and TWINT is only available with prepaid due to the new Debit Mastercard.
Positive: The extensions Neon Green (sustainability) and Neon Duo (partner account) can now be combined with all plans - so you can configure your banking according to your wishes.
Our Neon rating continues to be very positive. The comments shared in the Neon experiences from the community have been consistently recommendable for years and confirm this impression.
With the voucher code "TRADE" there is CHF 100 trading credit for your first 3 trades in the first 2 months at Neon Invest - a perfect start for your investments!
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.
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.
Eric is the founder of Schwiizerfranke.com and certified IAF wealth advisor. Since 2019, he has been helping Swiss citizens to organise their finances comprehensibly, independently and efficiently.
📌 Note: This article is for information purposes only and does not constitute personalised investment advice.
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