Discover Neon: Switzerland’s Leading Digital Bank for Modern Banking

Neon is a Swiss pioneer in digital banking that offers fully mobile, transparent, and flexible banking services tailored for everyday users seeking independence from traditional banks. Launched in 2019, Neon has rapidly grown its user base to over 237,000 customers by 2025, becoming a top choice in Switzerland for fee-free and user-friendly banking.

🔹 Simple, Transparent, and Swiss-Quality Banking for Everyone

Focused on digital-first banking, Neon provides easy account setup, a powerful app, and Mastercard payment options designed to cover your everyday payment and saving needs without the hidden fees and complexity of legacy banks.

🌟 Key Features at a Glance

• ✅ Four Flexible Account Plans to suit different user needs:
  • neon free (0 CHF/month): Basic free account with essential features for everyday banking
  • neon plus (2 CHF/month or 20 CHF/year): Offers free ATM withdrawals in Switzerland and zero foreign currency exchange fees
  • neon global (8 CHF/month or 80 CHF/year): Designed for regular travelers with enhanced global benefits and premium features
  • neon metal (15 CHF/month or 150 CHF/year): Premium plan with metal card and comprehensive insurance coverage
• 💳 Mastercard Payment Card that lets you pay worldwide with competitive exchange rates and no yearly fees
• ⚡ Fast, Fully Digital Account Opening including identity verification for Swiss residents (B or C permit holders can apply)
• 🔒 Secure Banking Powered by Hypothekarbank Lenzburg, with deposit insurance up to CHF 100,000
• 🏦 Spaces: Sub-Accounts for Saving & Budgeting — Create multiple “Spaces” to save for goals or separate finances within your main account
• 💸 Free CHF Payments & Transfers — Domestic transactions in Swiss Francs incur no fees
• 🌍 Competitive Foreign Currency Handling — Foreign payments with 0.35% exchange fee on neon free, waived on neon plus and above
• 🏧 ATM Withdrawals:
  • neon free: 2.50 CHF per withdrawal in Switzerland (previously 2 free/month)
  • neon plus: 2 free withdrawals per month domestically, lower rates abroad
• 📱 Mobile Payment Support: Apple Pay, Google Pay, and TWINT integration for contactless payments
• 🔄 Freeze & Unfreeze Cards in-App: Immediate control for lost or stolen cards
• 📊 In-App Finance Management: Track spending, transactions, and manage your money in real-time
• 🗣️ Multilingual Support: Available in English, German, French, and Italian — great for expats
• 🤝 Referral Program: Use promo code NEOTRADE to get up to 100 CHF in trading credits when opening a Neon account by August 31, 2025

🎯 Account Plan Details & Choosing What Fits

The plans can be customized with add-ons:

• neon green: Sustainability extension with tree planting (3 CHF/month)
• neon duo: Joint accounts for two people (3 CHF/month per person)

💳 Payment Options & Fees

• Use your Neon Mastercard anywhere Mastercard is accepted worldwide with transparent FX and ATM fees depending on your plan
• CHF Transfers & Payments: Free and instant within Switzerland
• Foreign Currency Transactions:
  • neon free: 0.35% FX fee
  • neon plus and above: zero FX fees
• ATM Withdrawals: varying fees depending on plan; neon plus provides free domestic withdrawals monthly
• Pay with NFC-enabled phones using Apple Pay, Google Pay, TWINT — no physical card needed for contactless payments

🔐 Security & Regulatory Compliance

• Neon accounts are hosted at Hypothekarbank Lenzburg, a licensed Swiss bank, ensuring Swiss deposit insurance coverage up to CHF 100,000
• Strong two-factor authentication (2FA) and app security, with the ability to freeze/unfreeze cards instantly
• Strict KYC and identity verification compliant with Swiss regulations
• Transparent fee structure with no hidden costs or minimum balances
• Customer data and funds are protected in accordance with Swiss privacy laws and banking standards

🗣️ User Experience & Market Reception

• Users highlight Neon’s intuitive app interface and smooth onboarding process with quick identity verification
• The no-fee CHF transactions and Mastercard with no annual fee are highly appreciated for everyday use
• The option to create Savings Spaces helps users budget and save efficiently
• Some users note the new fee structure with paid tiers introduced in 2025, but value the modular plan choices and added services
• Multilingual support makes Neon accessible for Swiss residents from diverse backgrounds
• Recognized by fintech media and Swiss personal finance bloggers as a top digital bank option

🚀 How to Get Started with Neon

1. Download the Neon app for iOS or Android from official stores.
2. Sign up and verify your identity digitally (Swiss residents with B or C permits eligible).
3. Choose your preferred plan (start with neon free or upgrade anytime).
4. Order your free Mastercard to start spending.
5. Use the app to manage accounts, create savings Spaces, and pay with Apple Pay or Google Pay.
6. Enter my code JAERKB so I can track how many friends I invited.

📄 Summary Table

🌱 Ready to Experience Modern Swiss Banking with Neon?

Open your Neon account today to enjoy fully digital banking, no-fee everyday transactions, flexible plans, and powerful tools to manage your money your way.

Neon – The smart, simple digital bank for Switzerland
Referral Code: JAERKB

For free credit cards you can use services like: SwissCard