First steps, without missing the details that matter.

Practical experiences and providers to compare. Terms, prices and requirements can change.

Best for: everyday Swiss banking

Zak · free

The author’s first Swiss bank. Opening the account required a CHF 20 residence certificate; the registration document was not accepted.

Wohnsitzbestätigung ↗

Zak referral

Open a Zak account and receive CHF 25.

BKB · free

One CHF private account per client relationship and one Visa Debit card are free. Digital Banking, BKB TWINT and the app are included. Always check the latest terms.

BKB private account ↗

Best for: payments in foreign currencies

Neon · free

Account, card, foreign-exchange and withdrawal fees vary by plan. Check the current price list and opening requirements.

neon free ↗

Check this

Zurich residence certificate

The German term to look for is “Wohnsitzbestätigung”.

Wohnsitzbestätigung ↗