neon-free = free CHF account?

Finance, Taxes, Banking, Insurance and Retirement
21
I'm on similar boat, wanting to close PF account in favor of neon. The only missing feature that is holding me back is e-bill

22
think I'll make the switch also... after a bit of parallel running.

23

Why don't you try CLER's ZAK offer and provide feedback here? I think they have e-bills included already.

TBH I wouldn't even insist on e-bills, if all invoices could be received by normal eMail; not that I'm a SERAFE fan, but at least their billing strategy is fantastic (.pdf directly into inbox).

But still, this e-bill just seems to be the Swiss standard, so that's that.

Apart from that, I can't describe how happily I'll trash Postfinance's bloody card reader.

24
will do

exactly, such a clumsy device

25
I think they are supposed to be eliminating the need for that soon.

26
I think they already offer another service, forgot the name, which can be used alternatively.

But Postfinance wouldn't be a state-run service, if they wouldn't introduce yet another fee for this additional service which should be there anyway.

Whatever the matter, I ́ll try the other alternatives first. Neon has been very good to me. Might additionally use ZAK soon, if e-bills won't come.

27
article saying the clunky login device should go

https://www.20min.ch/finance/news/st...ssen--27316752

28
Seems like Neon is mobile only banking. I'd really like to have an option to login into my account on a computer.

29
And the other one Zak from Banca Cler has no online access either?

30
Neon support told me that they will soon replace the Maestro Debit Card with Mastercard.

31
Do you know if it will completely replace the Maestro card?

The post office and civil offices etc accept maestro but not mastercard so I would prefer for it to stay as a Maestro

32
Some post offices with a separate 'post shop' counter do accept credit cards at that counter. You can pay for stamps, phone credit, lottery and post-shop products like books and stationery at that counter using a credit card.

33
Can anyone PM an invitation code?

34
2 CHF charge to take money from bankomat. Crazyyyyyyyyyyyyyy!!

35

the first two withdrawals a month are free. after that it's 2chf per withdrawal but I've withdrawn cash twice in the past 6 months so it depends on your usage if it's something you'll rack up in fees or not.

36
They say free local CHF and free SEPA transactions in Euro. Does this mean you have both a CHF and a EUR account with them for free?

37
No, you only get a CHF account. To send to a EUR account, it would be converted first at their "attractive rate" but I always use Revolut for conversions to be honest.

For conversions, I've tried them all, Revolut, CurrencyFair and Transferwise. With Revolut you get better exchange rates and no fees (up to £5k, unless you pay for a monthly premium). However, I top up with Transferwise as normally the amount appears in the account the sameday, and then pay into Revolut with the Transferwise card. Bank transferring to Revolut takes a couple of days.

Let me know if you want a referral code for any of them

38
Thanks for the answer! I already have a Transferwise account, but if I need Revolut in the future I'll ask for a referral code (I chose Transferwise for now as I read that with Revolut CHF transfers to a swiss bank account fees can be added by the receiving bank because Revolut transfers from a UK based CHF account.

39
How much cash can I withdraw per day?

With ZAK 4k per day and 10k per month and UBS 5k per day and 25k per month.

40
The current daily transaction limit is 24'000 CHF and 10'000 CHF per single transaction. With your card, you can withdraw up to 1'000 CHF cash per day, spend 5'000 CHF online and another 5'000 CHF in stores every day but your monthly max limit is 10'000 CHF.