Bank Account: compare them all and find the best for you

Find your ideal current account in 3 steps:

View the available current account offers

Compare account features

Select the best and activate it in just a few clicks

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KreditSOS compares current accounts from over 10 banks. Discover the accounts available and open the one that suits you best!

What is a current account and how does it work?

A current account is a banking tool that allows you to manage your money securely and efficiently. With a current account, you can make payments, receive salaries or pensions, withdraw cash, make deposits, and access various banking services. Current accounts can be managed online (in which case we talk about online banking accounts) or through a physical bank branch, offering flexibility and convenience.

In Switzerland, there are dozens of current account options, each with unique features, allowing for an objective comparison to find the best solution for your financial needs.

How to open a current account online?

Opening an online current account is quick and easy. Here are the main steps:

Choose the bank and account type that best suits your needs.
Fill out the online application form with your personal information.
Verify your identity via video call or by uploading identification documents.
Sign the agreement digitally.
Receive your login credentials and start using your account.

Essential requirements include being of legal age, having no history of bankruptcy or insolvency, and possessing a valid identification document (ID card, residence permit, or passport).

How to switch your current account?

If you want to switch to a more convenient current account, follow these steps:

Compare available account offers to find the most advantageous one.
Open the new account online or in-branch.
Transfer your funds to remove availability from the old account.
Update your banking details for direct debits and deposits.
Close the old account only after all recurring transactions have been transferred.

KreditSOS Tip: Before permanently closing your old account, make sure all funds have been transferred correctly and that there are no ongoing transactions.

How to compare current accounts online?

Comparing current accounts is essential to find the most cost-effective option that still provides all necessary features for your regular monthly banking activities.

Key aspects to consider during your comparison:

Management fees: fixed monthly fee or variable costs.
Included operations: transfers, withdrawals, payments.
Extra services: debit and credit cards, insurance, investment tools.

Proceed now to the KreditSOS Current Account Comparison section!

What are the advantages of using KreditSOS comparison?

By using the KreditSOS offer comparator, you can quickly and easily find the best account for your needs. The benefits of using our online comparison tool include:

Time and money savings: we compare the best offers for you.
Transparent information: full details on costs and services.
Personalization: filter options according to your specific needs.

The best current account offers

On our comparison platform, you’ll easily find all the details of current account products and proceed online to save on managing your funds. During your comparison, consider the number of monthly transactions you typically perform to assess all potential costs linked to each bank’s offer.

Current account offers in Switzerland

Here are the three most cost-effective current accounts currently available on the market:

Swissquote Light: no monthly fee; multi-currency option included with 13 currencies; 0.25% cashback on card payments
Alpian: no monthly fee; multi-currency included; 0% foreign transaction fees
Wise: no monthly fee; multi-currency option included with 40 currencies; 0% foreign transaction fees

Please note: always check the pre-contractual documents for the specific terms and conditions applied.

Find the best current account offers for your needs now and start saving by avoiding excessive fees.

Types and costs of current accounts

There are different types of current accounts, each with slightly different cost structures:

Fixed-fee accounts: a set monthly or annual fee that includes a defined number of free operations.
Variable-fee accounts: costs vary based on usage, with fees for withdrawals, transfers, and other banking activities.

Both types may also include additional variable costs: always check the fees for SEPA transfers, ATM withdrawals, card management, and extra services.

Frequently Asked Questions about current accounts

What documents are needed to open a current account?
Generally, a valid ID, proof of address, and sometimes proof of income.

Is an online current account secure?
Yes, banks use advanced security protocols such as two-factor authentication and data encryption.

How long does it take to open a current account?
Usually between a few minutes and a few days, depending on the bank’s verification process.

Are there accounts with no fixed fees?
Yes, some banks offer free accounts without monthly fees, although some operations may still incur costs.

How do I close a current account?
You can close it in-branch or online, making sure to first transfer any remaining funds and cancel automatic payments.

Can I have multiple current accounts?
Yes, you can have several accounts at the same or different banks, depending on your financial needs.

Bank Account Guides

Free current accounts
Additional costs for Swiss accounts for foreigners
All fees related to current accounts