neon – your account app

neon Switzerland AG

About this app

With neon you have your account on your smartphone. Always at your fingertips. Transferring money has never been easier. You always have an overview of your income and expenses. And with the neon Mastercard®, you can pay worldwide and online without fees and exchange rate surcharges.

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.

You can choose from 3 accounts:
• neon free: the everyday account with zero base fees
• neon green: the sustainable account with easy CO2 compensation
• neon metal: the unique account with exclusive insurance packages

Are you ready for neon? Your part of the account opening in less than 10 minutes simply via smartphone, completely paperless. Download the app, enter your personal info and have your ID ready for the identification (photo-ID/video call). Afterwards, we need 2-3 working days to check and activate your account. Then you are ready to go. You will receive your card by snail mail within 7 working days.

Once you’ve opened your account, you will directly benefit from various neon features. Everyday account functions such as domestic and international transfers are waiting for you, you can upload and scan your QR bills, divide your money with our Spaces, invest in the most traded Swiss and international shares as well as ETFs, set up eBills and much more. All this at the best conditions – without hidden fees. And we’re always adding new features.

It's obvious, but we'll point it out anyway: your money is safe. You decide how you want to log in: with a personal login code, fingerprint or Face ID. Only you can authorize payments from your activated device, with a separate transaction PIN. And because your account is held at Hypothekarbank Lenzburg, it's protected by Swiss deposit insurance up to 100’000 CHF. Just like any other Swiss bank. Your data remains in Switzerland.

Ratings and reviews

Surprisingly perfect online only banking. App works well. It gets a bit cluttered with latest (unnecessary?) features. My biggest complaint is that the typing duration/recognition for PINs increased last year. I was able to type 6 digits in under 2 seconds. Normal speef for me. Now anything entered faster than 1 second pet digit causes them to not be recognized. Very annoying. I contacted support, they supposedly told QA, but never any more feedback (nor solution) returned to me...

Updated review, raised from two to four stars: Totally good enough for everyday use. The app has gotten a lot more reliable, and now that joint accounts are almost here it may have all the features I really need in a bank account. E-bill integration actually got worse, and the categorization of expenses is still tedious, but those are minor issues for me.

Buggy: * switching apps is not well supported, need to reauth often. But it's often useful, e.g. to copy paste IBANs or copy transfer references * some UI race issue: I sometimes get asked to auth via fingerprint even though it's currently logging in or already logged in * the UI is slow Missing basic features: * report fraudulent transactions directly from the app (should really be two presses away) * secure messaging from within the app, instead of relying on emails which are not secure

What's new

Improved Investment Plans: Now, if your savings plan amount falls below the current price, you will be alerted, helping you stay on top of your investments and avoid any surprises.