Country hub / Switzerland
Financial apps and digital money services in Switzerland.
Seven approved records cover one direct digital bank, two finance apps whose accounts sit at named Swiss banks, one Lithuanian bank, two e-money or payment-account models and a crypto platform. The app name alone never determines which bank, scheme or asset protection applies.
Direct answer
Alpian, neon/Hypothekarbank Lenzburg and Yuh/Swissquote are the Swiss deposit paths here.
Alpian is the direct bank. neon is a fintech app, but its approved personal account is held at Hypothekarbank Lenzburg. Yuh is not itself a bank; its banking and financial services are provided by Swissquote Bank. Eligible balances at each exact Swiss bank can receive esisuisse treatment, subject to product eligibility and aggregation.
Revolut's current Swiss agreement instead contracts with Lithuanian Revolut Bank UAB and points to Lithuania's deposit scheme. Wise safeguards ordinary balances as a Belgian payment institution. PayPal calls the wallet balance electronic money. Coinbase serves Swiss residents through UK company CB Payments Ltd for the cited services. None of those last three models becomes a Swiss bank deposit because it can receive Swiss francs.
Product classification
The account-holding institution matters more than the app label.
Swiss coverage starts by resolving the legal bank, payment institution or crypto provider before comparing product features.
Direct Swiss bank
Alpian SA is listed by FINMA and holds the customer deposit relationship itself.
App with partner bank
neon and Yuh are not banks; their cited deposits sit at Hypothekarbank Lenzburg and Swissquote Bank respectively.
Foreign bank or payment model
Revolut uses a Lithuanian bank contract, while Wise and PayPal retain payment or e-money structures.
Investments and crypto
Assets in custody, funds, shares, pension products and tokens do not inherit adjacent cash deposit protection.
Verified CH comparison
Change the job, not the evidence.
These controls only reorder approved market records. Legal entity, product class, protection wording, source date and confidence stay fixed.
Swiss deposits: Prioritises exact Swiss account-holding banks and keeps partner-app aggregation visible.
| Provider | Product type | Market status | Legal entity | Protection model | Evidence | Compare |
|---|---|---|---|---|---|---|
| AlpianA direct Swiss digital-bank relationship combining multicurrency banking, saving and separately contracted investments. | swiss finma authorised digital bank | available with residency identity acceptance and product conditions | Alpian SA | Eligible deposits aggregate directly at Alpian under Swiss esisuisse.The CHF 100,000 limit follows the customer and Alpian; securities, investment mandates, pillar 3a, cards and promotions keep separate terms. | 4 source records | |
| neonA low-fee Swiss everyday account and card operated through an app while the bank account is held at Hypothekarbank Lenzburg. | swiss banking fintech with partner bank deposit account | available with residency identity acceptance plan and product conditions | neon Switzerland AG | Eligible account deposits sit at Hypothekarbank Lenzburg and aggregate there under esisuisse.neon is not a bank; other eligible deposits at Hypothekarbank Lenzburg count toward the same customer-and-bank limit, and investments or insurance are separate. | 5 source records | |
| YuhA mobile Swiss account that combines payments, saving and separately governed investing, crypto and pension functions. | swiss finance app on swissquote bank licence | available with residency identity acceptance and product conditions | Swissquote Bank SA for banking and financial services; Yuh Ltd. operates the app | Eligible cash deposits are held at Swissquote Bank and aggregate across Yuh and Swissquote.Yuh itself is not a bank. Deposit protection does not extend to securities, crypto, Swissqoin or pillar 3a simply because they appear in the same app. | 9 source records | |
| RevolutA multicurrency current account, card and payment app under the current Swiss contract with Lithuanian Revolut Bank UAB. | lithuanian bank represented in switzerland | available with identity account entity and product conditions | Revolut Bank UAB, represented in Switzerland by Revolut (Switzerland) AG | Eligible deposits aggregate at Revolut Bank UAB under Lithuania's EUR 100,000 scheme.A Swiss representation, Swiss card issuer or Swiss virtual IBAN does not create esisuisse coverage; investments and crypto use separate entities. | 3 source records | |
| WiseHolding, receiving, converting and transferring multiple currencies with transaction-specific pricing. | belgian payment institution multicurrency account | available with customer route card and product conditions | Wise Europe SA | Wise Europe safeguards ordinary balances through cash and low-risk liquid assets rather than deposit insurance.Wise is not a bank and ordinary balances are outside Swiss and Belgian deposit-guarantee schemes; Interest is a separate capital-at-risk investment. | 3 source records | |
| PayPalSwiss personal or business online-payment, checkout and merchant workflows. | electronic money payment wallet for swiss accounts | available with personal business and transaction conditions | PayPal Pte. Ltd. | The Switzerland agreement defines account money as electronic money issued by PayPal Pte. Ltd.Electronic money is not an esisuisse-protected Swiss bank deposit, and the public consumer fee schedule is too old for a complete current fee comparison. | 2 source records | |
| CoinbaseBuying, selling, holding or transferring supported digital assets with conditional EMEA cash-balance access. | uk e money and crypto platform serving switzerland | available with identity asset cash balance and payment method conditions | CB Payments Ltd | CB Payments Ltd provides the cited e-money and digital-asset services under UK authorisations.Neither the cash balance nor digital assets become Swiss deposits; availability, payment methods, custody, assets, holds and fees remain account-specific. | 3 source records |
Alpian
swiss finma authorised digital bank- Market status
- available with residency identity acceptance and product conditions
- Legal entity
- Alpian SA
- Product note
- Alpian SA is a FINMA-authorised Swiss bank. Eligible deposits aggregate at Alpian under the Swiss CHF 100,000 protection limit; investments, cards, pension products and rates retain separate terms.
- Protection model
- Eligible deposits aggregate directly at Alpian under Swiss esisuisse.The CHF 100,000 limit follows the customer and Alpian; securities, investment mandates, pillar 3a, cards and promotions keep separate terms.
View legal and product sources
neon
swiss banking fintech with partner bank deposit account- Market status
- available with residency identity acceptance plan and product conditions
- Legal entity
- neon Switzerland AG
- Product note
- neon is not a bank. Its personal accounts are held at FINMA-authorised Hypothekarbank Lenzburg, where eligible deposits including Spaces aggregate under the Swiss protection limit; plans, investments and cards remain separate.
- Protection model
- Eligible account deposits sit at Hypothekarbank Lenzburg and aggregate there under esisuisse.neon is not a bank; other eligible deposits at Hypothekarbank Lenzburg count toward the same customer-and-bank limit, and investments or insurance are separate.
View legal and product sources
Yuh
swiss finance app on swissquote bank licence- Market status
- available with residency identity acceptance and product conditions
- Legal entity
- Swissquote Bank SA for banking and financial services; Yuh Ltd. operates the app
- Product note
- Yuh Ltd operates the app and is not a bank. FINMA-authorised Swissquote Bank provides the cited banking and financial services; eligible deposits aggregate across Yuh and Swissquote at the bank, while securities, fractional positions, crypto, Swissqoin, card, TWINT and pension products remain separate. PostFinance exited Yuh ownership in July 2025.
- Protection model
- Eligible cash deposits are held at Swissquote Bank and aggregate across Yuh and Swissquote.Yuh itself is not a bank. Deposit protection does not extend to securities, crypto, Swissqoin or pillar 3a simply because they appear in the same app.
View legal and product sources
Revolut
lithuanian bank represented in switzerland- Market status
- available with identity account entity and product conditions
- Legal entity
- Revolut Bank UAB, represented in Switzerland by Revolut (Switzerland) AG
- Product note
- The current Swiss personal agreement is with Lithuanian Revolut Bank UAB and treats current-account money as a deposit. Eligible deposits aggregate under Lithuania's EUR 100,000 scheme, not Swiss esisuisse; cards, investments and crypto use separate entities and terms.
- Protection model
- Eligible deposits aggregate at Revolut Bank UAB under Lithuania's EUR 100,000 scheme.A Swiss representation, Swiss card issuer or Swiss virtual IBAN does not create esisuisse coverage; investments and crypto use separate entities.
View legal and product sources
Wise
belgian payment institution multicurrency account- Market status
- available with customer route card and product conditions
- Legal entity
- Wise Europe SA
- Product note
- Wise Europe SA serves Swiss residents with a multicurrency payment account and transfers. Wise is not a bank; ordinary balances are safeguarded outside Swiss and Belgian deposit insurance, while Interest is a separate capital-at-risk investment.
- Protection model
- Wise Europe safeguards ordinary balances through cash and low-risk liquid assets rather than deposit insurance.Wise is not a bank and ordinary balances are outside Swiss and Belgian deposit-guarantee schemes; Interest is a separate capital-at-risk investment.
View legal and product sources
PayPal
electronic money payment wallet for swiss accounts- Market status
- available with personal business and transaction conditions
- Legal entity
- PayPal Pte. Ltd.
- Product note
- PayPal's Switzerland agreement identifies PayPal Pte. Ltd. and defines all account money as electronic money. Personal and business wallets, funding, withdrawals, fees and protection programmes are transaction-specific and not Swiss bank deposits.
- Protection model
- The Switzerland agreement defines account money as electronic money issued by PayPal Pte. Ltd.Electronic money is not an esisuisse-protected Swiss bank deposit, and the public consumer fee schedule is too old for a complete current fee comparison.
View legal and product sources
Coinbase
uk e money and crypto platform serving switzerland- Market status
- available with identity asset cash balance and payment method conditions
- Legal entity
- CB Payments Ltd
- Product note
- The current agreement for Swiss residents identifies UK-authorised CB Payments Ltd for e-money and digital-asset services. Switzerland is listed for conditional cash-balance access; e-money and digital assets do not become Swiss bank deposits or esisuisse-protected balances.
- Protection model
- CB Payments Ltd provides the cited e-money and digital-asset services under UK authorisations.Neither the cash balance nor digital assets become Swiss deposits; availability, payment methods, custody, assets, holds and fees remain account-specific.
View legal and product sources
0 selected locally.No matching comparison is published
Protection boundary
CHF 100,000 follows the customer and exact Swiss bank.
esisuisse describes protection up to CHF 100,000 per customer and per bank. That means multiple accounts at the same institution are added together. A neon customer must count other eligible deposits held at Hypothekarbank Lenzburg. A Yuh customer must count other eligible deposits at Swissquote Bank. The app presentation does not create another limit.
Alpian is its own bank relationship for this comparison. Coverage still depends on the balance being an eligible deposit. Securities, custody assets, investment mandates, crypto, pillar 3a and other separate products have their own legal and insolvency treatment.
Revolut Bank UAB states a separate EUR 100,000 Lithuanian scheme for eligible deposits. esisuisse separately warns that a virtual Swiss IBAN or correspondent account does not make the end customer a depositor of the Swiss bank. Swiss-looking payment details therefore cannot be used as shorthand for Swiss deposit insurance.
Alpian deposit
Confirm the exact deposit product and combine all eligible customer balances at Alpian.
neon deposit
The bank is Hypothekarbank Lenzburg; eligible neon and other deposits there aggregate.
Yuh deposit
The bank is Swissquote; eligible Yuh and Swissquote cash deposits share the same limit.
Non-Swiss or non-deposit balance
Revolut, Wise, PayPal and Coinbase require their own exact entity, scheme and asset analysis.
Eligibility
Residence, age, identity, acceptance and product choice still control access.
A published app page is not an approval promise. Alpian describes its product as a Swiss bank account and separately controls onboarding. neon's approved account requires the relationship with Hypothekarbank Lenzburg. Yuh publishes a Swiss account and also lists additional opening conditions for residents of France, Germany, Italy, Austria or Liechtenstein. Revolut's personal terms normally require adulthood, identity verification, beneficial ownership and an accepted account application.
Wise, PayPal and Coinbase each gate functions by residence, identity, customer type, funding method, currency and compliance review. Business accounts are not interchangeable with personal accounts. Card access, cash balances, digital assets, investments, joint accounts and pension products can each have narrower requirements than the main app signup.
Read the Revolut reviewRead the Wise reviewFee snapshot
“Free account” never means every card, cash, FX or investment action is free.
Alpian's schedule effective 15 February 2026 lists its multicurrency bank account and virtual cards as free, while a metal card, cash withdrawals, some outgoing payments and investment mandates have separate charges. neon free has no base fee, but its first card, domestic ATM use, foreign cash and card conversion can cost extra; plus, global and metal use different monthly prices and benefits.
Yuh lists a free Swiss IBAN, account management and debit card, one free Swiss ATM withdrawal per week and a 0.95% currency-exchange fee, alongside separate transfer, investment, crypto and pension charges. Wise lists free registration and holding, a CHF 8 card and variable conversion or transfer fees starting from 0.23% for eligible routes. The PayPal consumer fee page is live but shows a 2021 update date, so this hub does not treat it as a complete current schedule. Coinbase fees remain transaction- and asset-specific and must be checked in the final preview.
Payment rails
SIC, instant payments, QR-bill, TWINT and cards are infrastructure—not universal promises.
Official records establish Swiss market systems. Exact participation, account support, direction, identifiers, screening, timing, limits and fees still need provider-level evidence.
SIC
Switzerland market context only. Confirm the exact account, issuer, participation, direction, currency, limits, screening and current price before relying on it.
SIC Instant
Switzerland market context only. Confirm the exact account, issuer, participation, direction, currency, limits, screening and current price before relying on it.
QR-bill
Switzerland market context only. Confirm the exact account, issuer, participation, direction, currency, limits, screening and current price before relying on it.
TWINT
Switzerland market context only. Confirm the exact account, issuer, participation, direction, currency, limits, screening and current price before relying on it.
card
Switzerland market context only. Confirm the exact account, issuer, participation, direction, currency, limits, screening and current price before relying on it.
SIX states that SIC settles Swiss-franc obligations and that instant customer payments can reach another participating account within ten seconds around the clock. That description does not prove every app can send instant payments. TWINT likewise spans bank-linked apps and a prepaid model; the issuer, linked account, eligibility and limits still differ. QR-bill is a billing standard, not evidence that a named provider accepts cash or supports every payment direction.
Source ledger
Every material Switzerland claim keeps its entity, source and date.
Sources were observed on 12 July 2026 and require launch-time reverification.
Alpian Switzerland source drawer
Alpian is displayed as swiss finma authorised digital bank in Switzerland.
- The current list identifies Alpian SA, Hypothekarbank Lenzburg AG and Swissquote Bank SA as authorised Swiss banks.
- The list classifies legal institutions, not consumer app brands or individual products.
- A bank listing does not establish product eligibility, fees, payment-rail support or coverage for non-deposit assets.
- The January 2026 documents identify Alpian SA as a Swiss bank and include its esisuisse information sheet.
- The sheet states that eligible deposits are protected up to CHF 100,000 per client.
- Bank deposits, securities, investment mandates, pension products and card services retain distinct contractual treatment.
- The schedule effective 15 February 2026 lists the multicurrency bank account and virtual cards as free.
- Physical cards, withdrawals, transfers, investment mandates and pension products have separate charges and thresholds.
- Promotions and rates are changeable and are not used as a universal provider ranking.
- esisuisse states that protected deposits are covered up to CHF 100,000 per customer and per bank.
- Multiple accounts at the same legal bank aggregate under that limit.
- Investments, e-money, digital assets and balances held under another legal institution require separate treatment.
neon Switzerland source drawer
neon is displayed as swiss banking fintech with partner bank deposit account in Switzerland.
- The current list identifies Alpian SA, Hypothekarbank Lenzburg AG and Swissquote Bank SA as authorised Swiss banks.
- The list classifies legal institutions, not consumer app brands or individual products.
- A bank listing does not establish product eligibility, fees, payment-rail support or coverage for non-deposit assets.
- neon explicitly says it is not a bank and that the account is managed by licensed Hypothekarbank Lenzburg.
- The cited personal account and Spaces receive bank-deposit treatment at the partner bank.
- neon does not inherit a bank licence as a company or for unrelated products.
- neon states that the account is managed by Hypothekarbank Lenzburg and cites protection up to CHF 100,000 for its personal accounts including Spaces.
- Coverage follows the account-holding bank and aggregates with the customer's other eligible deposits there.
- Investments, insurance and card services are not reclassified as deposits.
- The observed page lists neon free with no base fee and paid plus, global and metal plans with different card, cash and insurance terms.
- The first card, ATM use, foreign exchange, investments and optional extensions carry plan-specific charges.
- Fees and benefits require launch-time reverification rather than a single best-price claim.
- esisuisse states that protected deposits are covered up to CHF 100,000 per customer and per bank.
- Multiple accounts at the same legal bank aggregate under that limit.
- Investments, e-money, digital assets and balances held under another legal institution require separate treatment.
Yuh Switzerland source drawer
Yuh is displayed as swiss finance app on swissquote bank licence in Switzerland.
- The current list identifies Alpian SA, Hypothekarbank Lenzburg AG and Swissquote Bank SA as authorised Swiss banks.
- The list classifies legal institutions, not consumer app brands or individual products.
- A bank listing does not establish product eligibility, fees, payment-rail support or coverage for non-deposit assets.
- Yuh says it is not a bank and that its banking and financial services are provided by FINMA-authorised Swissquote Bank Ltd.
- It states that account funds are deposited at Swissquote and that eligible protection up to CHF 100,000 aggregates across Yuh and Swissquote accounts.
- Swissquote acquired PostFinance's ownership share in July 2025; PostFinance is a historical founder rather than a current account provider in the observed record.
- Adult opening requires an approved residence, non-US-person status, identity documents and a first same-name bank transfer, with neighbouring-country evidence and minimum-deposit conditions.
- Yuh publishes separate agreements for accounts, custody, securities, digital assets, cards, eBill, TWINT and the app.
- Those separate documents prevent the bank account's protection model from being copied to investments, crypto or service features.
- Exact eligibility and transaction conditions remain agreement-specific.
- The observed page lists account management, Swiss IBAN, custody and cards as free, one Swiss ATM withdrawal per week as free and later Swiss withdrawals at CHF 1.90.
- It lists 0.95% currency exchange, CHF 4 non-EUR European transfers, CHF 4.90 foreign ATM withdrawal, 0.50% securities trading with CHF 1 minimum, 1% crypto trading and 0% savings-project interest.
- Third-party bank charges, stamp duties, fund expenses, limits, product exclusions and international-resident opening conditions remain separate and require launch-time reverification.
- Yuh documents a multi-currency debit Mastercard, 3-D Secure, domestic and international bank transfers, eBill and a separately eligible Yuh TWINT app.
- The cited pricing uses 0.95% currency conversion, CHF 4.90 foreign ATM withdrawal and free euro SEPA transfer while intermediary-bank charges and country restrictions remain separate.
- The observed Yuh card cannot fund named cryptocurrency providers, card and cash limits apply, and Yuh TWINT requires Swiss residence and a Swiss phone number.
- Yuh lists shares, ETFs, themes and crypto for fractional trading with separate transaction charges and no Yuh custody fee, while product expenses, tax and market loss remain separate.
- Swissquote is the main crypto custodian and liquidity provider through SQX; Coinbase Inc, Bitstamp Europe S.A. and Payward Inc are named subcustodians for limited operational holdings.
- Whole securities can be eligible for transfer while fractions may require sale or other handling; crypto segregation in bankruptcy is described with an explicit lack-of-case-law qualification.
- Swissqoin is a separate Ethereum token and rewards programme whose value depends on supply and a CHF reserve rather than deposit protection or a guaranteed return.
- Saving projects are allocation buckets inside the Yuh account with optional daily, weekly or monthly autosaving.
- Closing a project transfers its cash back to the main account; the project does not create a second bank or separate deposit-protection limit.
- The current pricing page lists 0% interest for CHF, EUR and USD cash in saving projects, so a goal label must not be presented as a yield product.
- Yuh says it can temporarily freeze an account for identity, suspicious-activity, compliance, fraud, security or legal review.
- A restriction can require additional information and can delay access while the review remains unresolved.
- The article explains provider process but does not establish a universal review time, successful outcome, compensation or tested support quality.
- esisuisse states that protected deposits are covered up to CHF 100,000 per customer and per bank.
- Multiple accounts at the same legal bank aggregate under that limit.
- Investments, e-money, digital assets and balances held under another legal institution require separate treatment.
Revolut Switzerland source drawer
Revolut is displayed as lithuanian bank represented in switzerland in Switzerland.
- The terms effective 31 March 2026 identify Lithuanian Revolut Bank UAB and describe current-account funds as bank deposits.
- The bank is represented in Switzerland, while a separate Swiss group entity issues the cited debit cards.
- Investments and crypto services use separate group entities and do not inherit the current account's deposit treatment.
- Revolut states that eligible deposits at Revolut Bank UAB aggregate under Lithuania's Deposit and Investment Insurance up to EUR 100,000 per depositor.
- The scheme is Lithuanian rather than Swiss esisuisse and compensation is stated in euros.
- Electronic money, investments, crypto and excluded deposit classes retain separate protection treatment.
- esisuisse explains that a virtual Swiss IBAN or correspondent account does not make the end customer the Swiss bank's contractual customer.
- It lists Revolut as a known example and says Swiss deposit insurance does not apply on that basis.
- Any foreign deposit insurance must be established from the exact foreign account entity and product terms.
Wise Switzerland source drawer
Wise is displayed as belgian payment institution multicurrency account in Switzerland.
- Wise offers Swiss residents international transfers and access to the Wise account subject to feature and route conditions.
- The page separates ordinary account services from the capital-at-risk Interest investment feature.
- Availability does not establish Swiss bank status, Swiss IBAN ownership or esisuisse protection.
- The observed page lists free registration and holding, a CHF 8 card and conversion or transfer fees starting from 0.23% subject to currency and route.
- ATM, external-wallet top-up, SWIFT receipt and investment charges retain separate conditions.
- Quoted examples are not universal prices and require transaction-time confirmation.
- Wise Europe says it safeguards customer funds separately from operating money using cash at named commercial banks and low-risk liquid assets.
- Wise explicitly says it is not a bank; safeguarding is not labelled German EdB or Belgian deposit insurance.
- Interest and Stocks are separate investment products with capital risk and must not inherit the ordinary-balance safeguarding description.
PayPal Switzerland source drawer
PayPal is displayed as electronic money payment wallet for swiss accounts in Switzerland.
- The Switzerland agreement identifies PayPal Pte. Ltd. and applies to Swiss resident personal users and Swiss-registered businesses.
- It defines all account money as electronic money and describes conditional wallet, funding, withdrawal and protection-programme functions.
- Electronic money is not treated as a Swiss bank deposit or esisuisse-protected balance.
- The live page is scoped to Switzerland but displays a last-updated date of 31 May 2021.
- It is therefore insufficient for publishing a complete current fee comparison without transaction-time confirmation or a newer schedule.
- Currency conversion, merchant, withdrawal and exceptional fees remain visibly conditional or unavailable in the hub.
Coinbase Switzerland source drawer
Coinbase is displayed as uk e money and crypto platform serving switzerland in Switzerland.
- The agreement updated 8 June 2026 explicitly covers Switzerland and identifies UK company CB Payments Ltd.
- CB Payments provides cited e-money and digital-asset services under UK authorisations, not a Swiss bank licence.
- Digital assets, e-money, eligibility, custody, fees and transaction support retain separate conditions and risks.
- Coinbase lists Switzerland among supported European cash-balance markets.
- Cash-balance activation still requires identity, residency, account and payment-method eligibility.
- A cash balance at CB Payments does not become a Swiss bank deposit or receive esisuisse protection.
- Coinbase documents EMEA payment methods and warns that bank acceptance, currency support, holds and third-party fees can vary.
- The table does not establish that every method is available to every Swiss account or in CHF.
- Payment-rail capability never overrides product, asset, identity or transaction restrictions.
Switzerland regulator, protection and rail sources
- The current list identifies Alpian SA, Hypothekarbank Lenzburg AG and Swissquote Bank SA as authorised Swiss banks.
- The list classifies legal institutions, not consumer app brands or individual products.
- A bank listing does not establish product eligibility, fees, payment-rail support or coverage for non-deposit assets.
- esisuisse states that protected deposits are covered up to CHF 100,000 per customer and per bank.
- Multiple accounts at the same legal bank aggregate under that limit.
- Investments, e-money, digital assets and balances held under another legal institution require separate treatment.
- esisuisse explains that a virtual Swiss IBAN or correspondent account does not make the end customer the Swiss bank's contractual customer.
- It lists Revolut as a known example and says Swiss deposit insurance does not apply on that basis.
- Any foreign deposit insurance must be established from the exact foreign account entity and product terms.
- SIX operates SIC under the steering and monitoring of the Swiss National Bank for Swiss-franc interbank settlement.
- SIC instant payments can complete between participating customer accounts within ten seconds, 24 hours a day.
- Market infrastructure does not prove that every provider or product can send or receive every payment type.
- TWINT describes its Swiss mobile-payment network and reports broad consumer and merchant use.
- Bank-linked TWINT apps and the prepaid app use different account, issuer, eligibility and limit models.
- TWINT acceptance does not establish a bank licence, deposit protection or support by every compared provider.
Unavailable or deliberately not inferred
- A universal winner, guaranteed application outcome, permanent rate or permanent fee.
- esisuisse coverage for Wise, PayPal, Coinbase, investments, crypto or a virtual Swiss IBAN.
- A separate CHF 100,000 limit for neon apart from Hypothekarbank Lenzburg, or Yuh apart from Swissquote.
- Universal SIC Instant, QR-bill, TWINT, SEPA, ATM, card or cash-balance support.
- Independent account-opening, transfer, card, FX, investment, crypto, support or insolvency-recovery testing.