Online Bank Accounts: Compare Them All and Find the Best One for You

With KreditSOS, you can compare different savings and money management tools. Use our online comparison tool to find the best offer:

Bank Accounts

Savings Accounts

Credit Cards

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What Is an Online Bank Account and How Does It Differ from a Traditional One?

An online bank account is a fully digital bank account managed via the internet, without the need to visit a physical branch. Compared to traditional accounts, online accounts often offer lower or zero account fees, simplified banking operations, and 24/7 access from any device. Additionally, many online banks provide more competitive interest rates and advanced digital tools to help you manage your finances efficiently.

How to Find the Best Offers and Save Money with an Online Account?

To choose the best online account, it’s essential to compare the various offers available on the market. Here are key aspects to consider:

Fees and charges: check for zero account opening, management, and withdrawal fees.
Interest rates: some accounts offer attractive returns on your deposits.
Included services: look for free debit cards, fee-free transfers, and investment management tools.
Security and reliability: choose regulated institutions with strong data protection protocols.

By using an online comparison, you can quickly identify the most cost-effective solutions and optimize your savings.

Online

The KreditSOS comparison tool lets you compare the best online offers for current accounts and savings accounts available in Switzerland — in just a few clicks. After entering a few basic details, the system displays a clear and detailed list of account features, including any added services such as credit cards. This helps you select the best account for your personal or financial needs.

Key advantages of our comparison tool:

✅ Full transparency: all data is clear, detailed, and up to date.
✅ Time and money-saving: skip hours of manual research.
✅ Custom filters: narrow down your search based on what matters most to you.

The Best Online Account Offers

Through our platform, you can view all account features at a glance and proceed online to open your account — no need to visit a bank in person.
When comparing current accounts, don’t just look at annual fees — check the cost of transfers and cash withdrawals as well. For savings accounts, consider the interest rates offered and whether any locking periods apply.

Top Current Account Offers in Switzerland

These are the three most affordable current accounts on the Swiss market:

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

🛈 Note: Always check pre-contractual documents for detailed terms and conditions.

Top Savings Account Offers in Switzerland

Here are the three savings accounts with the highest returns:

ZAK by CLER: 0.60% annual interest, no lock-in on deposited funds
Alpian: 0.28% annual interest, no lock-in on deposited funds
Swissquote Save Easy: 0.25% annual interest, no lock-in on deposited funds

🛈 Note: The simulation assumes a deposit of CHF 30,000 based on March 2025 offers. Please check the investment prospectus directly with the provider before depositing any funds.

Find the Online Account That Fits Your Needs and Start Growing Your Savings

Leading Banks Compared

KreditSOS compares account offers from several Swiss institutions and major online banks, including:

Alpian
Swisscard
Bonuscard.ch
ZAK
Swissquote
N26

Frequently Asked Questions About Online Accounts

Are online bank accounts safe?

Yes — online banks use advanced security protocols to protect your data and money.

Can I open an online bank account for free?

Many online accounts offer free sign-up and zero maintenance fees.

How can I deposit money into an online account?

You can use bank transfers, cash deposits via partner ATMs, or other digital payment methods.

Can I withdraw cash from an online account?

Yes — debit cards allow you to withdraw cash at ATMs in Switzerland and abroad.

Do online accounts offer interest on deposits?

Some online savings accounts provide better interest rates than traditional accounts.

How can I close an online account?

You can close it easily online or by contacting the bank’s customer support.

Bank Account Guides

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