HOW KreditSOS.CH WORKS

1. Bank Account Comparison

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Bank accounts are primarily compared based on total annual costs, which include:

• Monthly or annual fees

• Withdrawal fees

• Account management and banking transaction costs

• Any hidden charges

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In addition to cost, each product sheet provides details such as the bank name, included services (e.g., debit cards, mobile apps, free transfers), and associated benefits.

 

2. Credit Card Comparison

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Credit cards are evaluated based on annual costs, considering:

• Annual fee

• Withdrawal and foreign transaction fees

• Interest rates for revolving credit

• Any cashback programs or loyalty rewards

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The product sheets also display the issuer’s name, included benefits (e.g., travel insurance, partner discounts), and other important conditions to consider.

 

3. Savings Account Comparison

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Savings accounts are classified primarily based on interest rates on liquidity, helping you maximize your savings. Our evaluation also considers:

• Conditions for accessing funds

• Any deposit limits

• Management fees or penalties for early withdrawals

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Each product sheet includes the bank name, account type, and key features.

 

4. Personal Loan Comparison

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Personal loans are ranked based on the debt interest rate (APR), which represents the actual cost of financing. We also evaluate:

• Loan amount and duration

• Any setup and management fees

• Flexibility in repayments

The product sheets display the name of the lending institution, access requirements, and other conditions to consider.

 

5. Mortgage Comparison

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For mortgage loans, our comparator ranks offers based on the applied interest rate, distinguishing between fixed-rate and variable-rate mortgages. We also consider:

• Mortgage duration and maximum loanable amount

• Notary and ancillary costs

• Any restrictions on the financed property

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The product sheets include information on the bank or financial institution, lending conditions, and additional costs.