What it does
neon provides a Swiss account app with Hypothekarbank Lenzburg as its banking partner. QR invoices, eBill and standing orders handle local bills, while an integrated Wise route handles supported international payments. Four plans vary the subscription, card and travel-related costs.
Scan a QR invoice or IBAN into the payment workflow, then use standing orders for repeated instructions. Transfers require the activated phone and personal transfer PIN. Account administration also includes address changes and tax-certificate retrieval.
Sending money abroad
Open Payments > New Payment > International Payment. The arrow beside the recipient’s currency shows the available currencies. The Wise integration displays its service charge before and after the transfer; that charge combines Wise’s fee with neon’s convenience fee.
The integrated transfer service sends a country’s local currency, such as euros to Germany or US dollars to the United States. It does not accept payments to crypto exchanges. neon says global and metal users receive a partial refund of the transfer service fee on the next working day.
Plans and account requirements
| Plan | Monthly subscription | First card |
|---|---|---|
| free | CHF 0 | CHF 20 |
| plus | CHF 2 | CHF 20 |
| global | CHF 8 | Included |
| metal | CHF 15 | Included |
Global and metal have a 12-month minimum term. Plus can be cancelled through the app for the end of the current month, with at least one month’s fee payable.
Applicants must be at least 15, live in Switzerland and be subject only to Swiss tax. Foreign nationals need a B or C residence permit. Opening includes accepted identity documents and a separate account agreement with Hypothekarbank Lenzburg. The service is for private use and does not provide powers of attorney.
Strengths
- QR bills, eBill and standing orders share the account app
- International payments display their combined service fee
- Tax certificates and address changes are available digitally
Watch out for
- Global and metal have a 12-month minimum term
- Eligibility requires Swiss residence and exclusively Swiss tax liability
- The integrated international route sends only the destination country’s local currency
Best for
- Swiss residents managing household bills in a phone app
- Eligible customers sending supported currencies through Wise within neon
Sources
- neon Everyday Account: Bills, Administration and Banking Partner (Oct 27, 2026)
- neon International Transfers: Wise Fees and Supported Routes (Oct 27, 2026)
- neon Plan Comparison and Card Prices (Oct 27, 2026)
- neon General Terms: Eligibility and Plan Duration (Oct 27, 2026)