Best banks for freelancers in 🇨🇭 Switzerland
12 banks compared · Real fee data · Independent reviews · 100% Swiss-based
Wise
Monthly Fee
Free
Card Fee
CHF 7
Currencies
40+
International Transfers
0.33–2.85%
Pros
- Best exchange rates for CHF↔EUR/USD/GBP
- Local bank details in 10+ countries
- Transparent fee calculator
- Multi-currency debit card
Cons
- No Swiss IBAN
- No AHV/BVG integration
- Not a Swiss bank (no FINMA deposit guarantee)
- Limited cash deposits
Neon
Monthly Fee
Free
Card Fee
Free (Mastercard)
Currencies
1+
International Transfers
Via Wise (integrated)
Pros
- Swiss IBAN (Hypothekarbank Lenzburg)
- Completely free — no monthly or card fees
- Clean, modern Swiss-made app
- FINMA-guaranteed deposits up to CHF 100,000
Cons
- CHF only (no multi-currency)
- Limited ATM withdrawals on free plan
- No business account option
- No invoicing or tax tools
Revolut
Monthly Fee
Free – CHF 13.99/mo
Card Fee
Free (virtual)
Currencies
36+
International Transfers
Free weekday FX up to CHF 1,250/mo
Pros
- Multi-currency accounts (CHF, EUR, USD, GBP)
- All-in-one app with crypto and stocks
- Swiss-registered entity
- Good for cross-border spending
Cons
- Lithuanian IBAN (not Swiss)
- Weekend FX markup of 1-2%
- Not FINMA regulated (EU banking license)
- Free plan limits on FX
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N26
Monthly Fee
Free – €16.90/mo
Card Fee
Free (Mastercard)
Currencies
1+
International Transfers
Via Wise (integrated)
Pros
- Full EU bank licence (BaFin regulated)
- Accepted for SEPA in Switzerland
- Spaces (sub-accounts) for tax reserves
- Insurance bundles on premium plans
Cons
- EUR only (no CHF)
- German IBAN — not Swiss IBAN
- Not FINMA regulated
- Limited local support for Swiss-specific needs
Yuh
Monthly Fee
Free
Card Fee
Free (Mastercard)
Currencies
3+
International Transfers
Standard SEPA + SWIFT
Pros
- Swiss IBAN (Swissquote + PostFinance joint venture)
- Free account and card
- Trading built in (stocks, crypto, ETFs)
- CHF, EUR, and USD accounts
Cons
- Only 3 currencies (CHF, EUR, USD)
- FX rates not as competitive as Wise
- No dedicated business account
- Newer platform (launched 2021)
Banking guides by country
Each guide is tailored to local regulations, tax requirements, and the best fintech options.
Last updated May 2026 · How we rate banks
Germany
Top pick: Wise 4.2M freelancers
Best banks →Portugal
Top pick: Wise 900K freelancers
Best banks →Netherlands
Top pick: Wise 1.5M freelancers
Best banks →Switzerland
Top pick: Wise 600K freelancers
Best banks →Spain
Top pick: Wise 3M freelancers
Best banks →France
Top pick: Wise 3.6M freelancers
Best banks →Austria
Top pick: Wise 450K freelancers
Best banks →
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- Real fee data — not marketing claims
- Country-specific guides for EU regulations
- Independent — commissions never affect rankings
12
EU banks compared
6
Countries covered
100%
Independent reviews
Swiss
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