{"id":9457,"date":"2025-05-15T20:57:22","date_gmt":"2025-05-15T18:57:22","guid":{"rendered":"https:\/\/schweizerfinanzblog.ch\/neon-experiences-2024-where-the-swiss-smartphone-bank-is-unbeatable\/"},"modified":"2026-01-16T15:29:33","modified_gmt":"2026-01-16T14:29:33","slug":"neon-experiences-comprehensive-and-critical","status":"publish","type":"post","link":"https:\/\/schweizerfinanzblog.ch\/en\/neon-experiences-comprehensive-and-critical\/","title":{"rendered":"neon experiences (2026): After the big relaunch – is neon still worth it?"},"content":{"rendered":"\n

neon has restructured its offering: Individual services have been reduced in the entry-level model without a basic fee, while fee-based variants offer additional benefits. At the same time, neon is further expanding its ecosystem – including a newly launched pillar 3a solution that is fully integrated into the app.<\/strong><\/p>\n\n

In this review, we share our neon experiences – from paying, saving and saving for retirement to investing with ETFs, including a particularly exciting one with no purchase fees.<\/strong><\/p>\n\n\n

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\n\t\t\t\t\tStefan & Toni<\/a>\n\t\t\t\t | 6 Comments<\/a><\/span> \t\t\n\t<\/div>\n\t
\n\t\tupdated on 1\/16\/2026\t<\/div>\n<\/div>\n\n\n
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\n\t\t\tShort & sweet\t\t<\/p>\n\t<\/div>\n\n\t

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neon<\/span><\/span> is a Swiss neobank founded in 2017 with a focus on app-based payments, savings, investments and pensions via smartphone with around 240,000 customers.<\/p>\n

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    Account models & costs:<\/strong><\/p>\n

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      Four variants: neon free, neon plus (CHF 20\/year), neon global (CHF 80\/year) and neon metal (CHF 150\/year)<\/p>\n<\/li>\n

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      Favorable foreign card payments with 0% to 0.35% FX surcharge, depending on the account model<\/p>\n<\/li>\n

    • No multi-currency account<\/li>\n<\/ul>\n<\/li>\n
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      Investing & ETFs:<\/strong><\/p>\n

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        No custody or exchange fees, trading currency always CHF<\/p>\n<\/li>\n

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        ETF trades at 0.5 % per transaction, particularly attractive for amounts up to around CHF 1,000<\/p>\n<\/li>\n

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        Selected ETFs in the savings plan without purchase commission<\/p>\n<\/li>\n<\/ul>\n<\/li>\n

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        Pension provision:<\/strong> Pillar 3a solution fully integrated into the app with total costs of 0.39% to 0.45% p.a. – one of the cheapest on the Swiss market<\/p>\n<\/li>\n

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        Security:<\/strong> Swiss regulation with deposit protection up to CHF 100,000<\/p>\n<\/li>\n<\/ul>\n

        Our neon experience shows:<\/strong> If you want to do your banking, investing and pension planning simply, digitally and cost-effectively via smartphone and don’t need a multi-currency account, neon is a convincing solution.<\/p>\n

        \ud83c\udf81With our neon promotion code neonSFB<\/strong><\/span> you benefit from 100 CHF trading credits<\/strong>. <\/strong><\/p>\n\t<\/div>\n\t\t\t\n\t<\/div>\n\n