neon: The Swiss Finance App

neon Switzerland AG

About this app

The Swiss finance app that fits in your pocket

ATTENTION: To use neon, you must have your primary residential address and tax liability in Switzerland and be at least 15 years old. You also need either a Swiss passport/ID or a B or C residence permit.

Innovative, independent, and proudly Swiss – neon has been redefining banking since 2019, with over 240'000 users and counting. Open your account in minutes. Get all the essential features right on your phone, pay anywhere with your neon Mastercard, and manage your money in real time.

Why choose neon?
• Easy & intuitive app, built in Switzerland
• Low costs and no hidden fees
• Everything you need to pay in Switzerland & around the globe
• Quick help in-app and by our customer service
• Transparent & independent Swiss company

Pick the plan that fits you best:
• neon free: The digital everyday account for full independence
• neon plus: The smart account with extra accessibility
• neon global: For your travels and adventures, with extra protection online and abroad
• neon metal: The exclusive account for a carefree lifestyle

And two powerful extensions, combinable with any plan:
• neon green: Plant trees just by using your card
• neon duo: Switzerland’s first 100% digital joint account

Open your account in minutes
No paperwork. No queues. Just your phone and your ID. After signup, your account is ready in 2-3 working days and your card arrives within 7 working days.

Everything you expect, and more
• Send and receive money in Switzerland and abroad
• Scan & uploadQR bills, set up eBill
• Swiss IBAN
• Organise your money into Spaces
• Manage your finances with our smart money management tools
• Invest in stocks, ETFs, and Crypto-ETPs

Your money is safe
Your account is held at Hypothekarbank Lenzburg and protected by Swiss deposit insurance up to 100’000 CHF – just like any other Swiss bank. Your data stays in Switzerland. Log in securely with your personal login code, fingerprint or Face ID, and authorise payments with your own transaction PIN.

To get started, you need:
• a permanent Swiss residency
• exclusive tax liability in Switzerland
• a Swiss passport/ID or a B/C permit (from 70+ countries)
• to be at least 15 years old

Ratings and reviews

The app's UI is very nice. Easy to find important information. But I am annoyed about the service's lack of stability. Sometimes the QR bill scanner does not work (sometimes it does). Sometimes it's not possible to login. Sometimes payments abroad fail for no discernable reason. Sometimes a payment does not appear in the paid or future payments, despite the app saying that it was created with success (appears only after fully closing and opening the app). Wish that sort of stuff would improve.

Service is good, but the app feels outdated and insecure. You can’t even change your login PIN directly. You have to request a letter, during which your account is unusable. Worse, the PIN arrives plainly visible, so anyone who opens your mail could read it. There’s also no virtual card for safer online shopping, and support relies on email instead of secure in-app messaging.

if you are looking for reliable bank, that's definitely not the one. I am not able to pay or withdraw money for the whole day now. This happened already 3 times this year, being stranded in a restaurant or a shop is definitely not a good experience. plus I emailed the support and they just don't seem to care about it...one of the worst, 0 stars.

What’s new

neon now offers pillar 3a! If you want to build wealth and keep your future self happy, you can now save for retirement in your neon app. Right where you already manage your money.