Bank: alternatives to Neon?

[toothfairy65]

Dear all,

I am an immigrant with B permit.

I used to be a UBS customer since that was the easiest account to open by the time I got to CH. Last year, after some reading online, I transitioned to Neon. However, I must say that I am not 100% satisfied. I absolutely love the fact that payments in other currencies do not have additional fees (I travel a lot for work outside CH and I am back to my home country quite often). However, I have some gripes:

1. I use TWINT quite often and meet the 500 CHF limit before the month's end oftentimes.
2. Follow up from point above. TWINT payments are not real-time.
3. Sometimes, I need to deposit some cash on my account and there is no way of doing that with Neon (AFAIK).
4. No notifications for inbound payments. Not a huge deal but definitely something I wish I had
5. No built in e-bill handling on the app. Again, not a big deal but I much preferred how they were handled on the UBS app.
6. The app is down very often. Not a huge deal again, but every month is a bit of a headache to pay my bills.

I am not by any means a power user. I do not use their investment platform and only need a saving account for my emergency fund. Is there something better you would recommend in my situation?

If I need to lose the possibility of making feeless EUR payments so be it. I still have a EUR bank account in my home country.

Thanks in advance for your replies!

 

[goonies511]

@toothfairy65 I would highly recommend trying out Yuh, which is a JV from Postfinance and Swissquote. It offers a free account, Debit Mastercard, Apple Pay and a dedicated Yuh Twint App

 

[toothfairy65]

@goonies511 I remember the Poorswiss advised against it. I need to read again the comparison

 

[goonies511]

@toothfairy65 OK I would be interested in this. I'm a customer of Yuh and currently really happy with the service.

 

[toothfairy65]

@goonies511 A simple google search will lead to the comparison.

About Yuh, may I ask you if the points I listed would be solved (TWINT limits, TWINT payments in real time, inbound payments notifications, built in e-bill management onto the app)?

Thanks!

 

[goonies511]

@toothfairy65 Yes, every point you listed will be solved with Yuh. That's why I answered your post

 

[toothfairy65]

@goonies511 Awesome, thanks a lot!

 

[joshl]

@toothfairy65 Postfinance account- linked to twint doesn’t have a limit. You dont need to charge it also, they will take the money from your postfinance account.

 

[toothfairy65]

@joshl Yup, this is what I am looking for. I will give yuh a spin

 

[sueparton]

@toothfairy65 I would also vouch for Yuh.

 

[klatyla]

@toothfairy65 If you read the review, the disadvantages of Yuh are mostly related to investment products. The one problem that affects you is their currency exchange fees.

I have been using Yuh for the 1% savings account but not for payments. So far, so good; there are no reasons to complain.

Did you also consider Zak? They seem to be similar to Neon.

 

[toothfairy65]

@klatyla Never heard of it. However, I think I will give a shot at Yuh. Then I can decide if saving a bit on the exchange fees is worth keeping my Neon card. It is not like I spend thousands/year of Euros when I am traveling. Also, I might just keep some EUR on the Yuh account and avoid any fees.