A Comparative Analysis of Top Fintech Banks in Switzerland


Switzerland has long been known for its strong banking industry, and the rise of fintech has added a new dimension to the country’s financial landscape. As a matter of fact, top Fintech banks in Switzerland are redefining the way people manage their finances, offering innovative solutions that combine technology, convenience, and user-friendly experiences. In this article, we will explore three prominent Swiss fintech banks – Yuh, Neon, and Zak – and benchmark their solutions, highlighting the pros and cons of each.

Yuh, the Swissquote application from Fintech banks in Switzerland along with the Poste AG

Yuh is an exciting newcomer in the Swiss fintech scene, launched by Swissquote, a leading online bank in Switzerland. Moreover, it aims to simplify banking and investing for its users through a mobile app. Here are its notable features:


  • Seamless integration of banking and investing functionalities.
  • User-friendly interface with a focus on simplicity.
  • Offers a wide range of investment options, including ETFs and cryptocurrencies.
  • Provides real-time updates and insights on investment performance.
  • Allows for easy splitting and sharing of expenses with friends and family.


  • Limited availability of traditional banking services like credit cards and loans.
  • Some users have reported occasional technical glitches in the app.

Join Yuh and enjoy effortless banking with the all-in-one app that makes it easy to pay, save and invest.

Download app HERE and use the referral code: 52aij9 for bonus Swissqoins!

Neon, one of the top Swiss german Fintech Banks in Switzerland

Neon is another prominent player in the Swiss fintech space, offering digital banking services with a strong emphasis on transparency and affordability. Let’s explore its key features:


  • Simple and straightforward account opening process.
  • Offers free basic banking services, including a Mastercard debit card.
  • Provides access to a user-friendly mobile app with intuitive features.
  • Supports instant payments, including peer-to-peer transfers and eBill payments.
  • Offers personal finance management tools to track expenses and set budgets.


  • Limited availability of additional financial products such as credit cards or investment options.
  • Some users have reported occasional delays in customer support response.

Register to Neon and use the code 9FJC0J to receive free credit.

Zak, a CLER Bank fintech application

Zak, developed by Bank Cler, is designed to cater to the needs of a younger demographic, offering a digital banking experience with a focus on personal finance management. Let’s review its advantages and drawbacks:


  • Easy and quick account setup, with minimal documentation requirements.
  • Provides a visually appealing and user-friendly mobile app.
  • Offers various features to manage personal finances, such as budgeting and saving goals.
  • Allows for seamless integration with popular payment apps like Twint.
  • Provides competitive fees and exchange rates for international transactions.


  • Limited availability of investment options.
  • Some users have reported occasional app performance issues.

Download the ZAK appli and use the code OR7T47 for FREE 25 CHF. Note: you need to add the code in your account in the 30 days after its creation.


To benchmark these fintech banks, we can consider several factors:

  1. User Experience: All three banks offer user-friendly mobile apps with intuitive interfaces. However, Yuh’s focus on simplicity and seamless integration of banking and investing sets it apart.
  2. Product Offering: Yuh stands out with its comprehensive investment options, including cryptocurrencies, while Neon and Zak focus primarily on banking services. Neon differentiates itself by offering free basic banking services, including a debit card.
  3. Additional Services: Zak excels in personal finance management tools, helping users track expenses and set savings goals. Yuh and Neon provide limited options in this regard.
  4. Customer Support: While all three banks strive to offer responsive customer support, some users have reported occasional delays or glitches in their experiences.

In Short

The Swiss fintech banking landscape is evolving rapidly, and Yuh, Neon, and Zak are at the forefront of this transformation. Each bank has its unique strengths and weaknesses, catering to different customer needs. Yuh excels in offering a comprehensive banking and investing experience, while Neon focuses on affordability and transparency. Zak stands out with its personal finance management tools. Ultimately, the choice among these fintech banks depends on individual preferences and requirements.

Yuh, Neon, and Zak have reshaped the banking experience in Switzerland, offering innovative solutions tailored to the needs of modern consumers. Yuh shines in its seamless integration of banking and investing, while Neon focuses on affordability and transparency. Zak excels in personal finance management tools. It is essential for potential users to consider their priorities, such as investment options, additional services, user experience, and customer support, when selecting the best fintech bank for their needs.

It’s worth noting that the Swiss fintech banking industry is dynamic and rapidly evolving. Other players may emerge with new features and services that could further enhance the landscape. Therefore, it is advisable to stay informed about the latest developments in the Swiss fintech market and regularly reassess the available options.

Remember, choosing a fintech bank is a personal decision, and it is recommended to thoroughly research and compare the offerings of different banks based on individual preferences and needs. By understanding the pros and cons of each solution, individuals can make an informed decision that aligns with their financial goals and enhances their overall banking experience in Switzerland.

Free Worldwide shipping

On orders dispatched and delivered within the same country.

Easy 30 days returns

30 days money back guarantee

International Warranty

Offered in the country of usage

100% Secure Checkout

PayPal / MasterCard / Visa