Prepaid Cards: Compare the Best Offers in Switzerland

Compare prepaid cards in 3 easy steps:

Browse available prepaid credit cards.
Choose the one that best fits your needs.
Apply online in just a few clicks.

Explore All Cards

KreditSOS compares over 40 credit cards from Swiss banks and financial institutions. Discover the best deals and apply for your preferred prepaid card directly online.

What is a Prepaid Card?

A prepaid credit card is a payment tool that allows you to make purchases online and in physical stores without being directly linked to a bank account. Unlike credit cards, the available balance is limited to the amount you’ve loaded in advance. This makes it an ideal solution for those who want to manage their spending or do not have a bank account.

With KreditSOS, you can compare the best prepaid credit cards available online and find the one that best suits your needs. Our comparison helps you easily spot free prepaid cards with no annual fees, allowing you to save money every month.

Browse current offers and apply for a card online directly on the issuer’s website!

Compare Swiss prepaid cards

At KreditSOS.ch, you can compare leading prepaid credit cards from our partners. Evaluate activation costs, features, benefits, and fees for each card.

Here are the top 3 prepaid credit cards with no monthly fees:

Wise Multi-currency: No annual fee, 0% loading fee, no foreign transaction charges, Visa Prepaid circuit
BonusCard Simply Card Smart Prepaid: No annual fee, 1% loading fee, cashback on every Swiss Franc spent, Visa Prepaid circuit
Swissquote Silver Prepaid: No annual fee, 1% loading fee, zero activation costs, Mastercard Prepaid circuit

Always check the pre-contractual documents for specific conditions.

Proceed with the comparison to find the best prepaid cards with or without IBAN, for minors, or with cashback. We'll help you find the right solution based on your preferences.

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Prepaid cards: 3 key facts

When applying for a prepaid credit card, keep these points in mind:

Security and control: Not being linked to a bank account reduces fraud risk and helps manage your budget.
Immediate availability: Easy to request online or at a bank, often without credit checks.
Payment networks: Most prepaid cards are issued on Mastercard or Visa networks.

How to Switch to a Better Saving Account

To move to a more advantageous account, follow these main steps:

Compare Offers: Carefully analyze proposals from different banks to find the most advantageous account in terms of costs and services.
Open the New Account: Proceed with opening the account at the chosen bank, following the online or in-branch procedure.
Transfer Funds: Move the money from your old account to the new one, ensuring that the availability is fully transferred.
Update Coordinates: If you have active direct debits or credits, communicate the new bank details to the relevant entities or companies.
Close the Old Account: Only after verifying the correct transfer of all funds and the update of coordinates, proceed with the definitive closure of the old account.

KreditSOS Tip: Before definitively closing the old account, ensure that all funds have been correctly transferred and that there are no ongoing operations.

Types of prepaid credit cards

Prepaid cards vary by features and user needs. Here are the main categories:

Multi-currency prepaid cards

These allow you to load and manage multiple currencies on the same card. They’re ideal for frequent travelers, as they help avoid currency exchange fees and offer competitive conversion rates.

Prepaid cards with cashback

These cards offer rewards on your purchases. Cashback percentages vary by issuer and spending category, making them attractive for those looking to earn while they spend.

Prepaid cards with IBAN

Prepaid cards with an IBAN work similarly to a bank account. You can receive wire transfers and set up recurring payments—ideal for those without a traditional bank account but who need more comprehensive features.

Costs of prepaid cards

Prepaid cards can involve several fees:

Issuance fee: A one-time activation cost may apply.
Loading fees: Depending on how you top up (bank transfer, credit card, cash, etc.).
ATM withdrawal fees: Cash withdrawals may incur charges, especially abroad.
Currency conversion fees: For transactions in a currency other than the card’s main one.
Monthly/annual fees: Some cards charge a fixed fee for management.

FAQs on prepaid credit cards

What are the advantages of a prepaid card compared to a credit card?
Prepaid cards offer better expense control, eliminate the risk of debt, and often don’t require a bank account to be issued.

Can I use a prepaid card for online purchases?
Yes, prepaid cards are accepted anywhere that supports Visa or Mastercard.

Are there top-up limits on prepaid cards?
Yes, each issuer sets a maximum top-up limit based on the card type and banking regulations.

Can I receive my salary on a prepaid card?
If the card has an IBAN, you can receive salary deposits or wire transfers.

Are prepaid cards secure?
Yes, they include fraud protection and can be blocked immediately in case of loss or theft.

What are the fees for using a prepaid card abroad?
It depends on the issuer but generally includes ATM withdrawal fees and currency conversion costs.

Card Guides

Cashback programs in Switzerland
Mastercard prepaid cards
Visa prepaid cards
How to apply for a prepaid card in Switzerland