Neon Bank review – 10 CHF Bonus + Free Mastercard in June 2023
Account opening | 8 |
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Usability | 9 |
Features | 9 |
Credit Card | 8 |
Plans & Pricing | 9 |
Speed | 8 |
Customer Service | 8 |
June 2023 Bonus: Receive 10 CHF when opening your Neon account with the code FR4FYL
neon (or neon-free) is a swiss neobank allowing swiss residents to open a mobile bank account and benefit from services offered by the bank from a mobile application.
The account opening is entirely done through the mobile app

Description
neon-free bank account
neon-free now offer 2 plans for their mobile bank account
- neon free : the Free account
- neon green : 5 CHF/month
- Free bank account
- Free payments in CHF in Switzerland
- Free Debit MasterCard
Fees are displayed in CHF
neon-free plans and pricing
First Debit MasterCard
neon-free is the free plan that includes a free MasterCard. But neon charge 10 CHF for the first delivery of the card or get it Free with the code: FR4FYL
Use our code FR4FYL when opening your account before 30 June 2023 and receive 10 CHF. A nice way to offset the delivery fee of the card.
Cash withdrawal in Switzerland in CHF
2 free cash withdrawal per month at any Bancomat in Switzerland. Further withdrawal are charged 2 CHF.
Cash withdrawal in Switzerland in EUR
There is a fee of 5 CHF for each cash withdrawal in EUR in Switzerland.
Cash withdrawal in other countries in EUR
There is a fee of 1.5% for each cash withdrawal abroad at any ATM
Domestic IBAN transfers in EUR
1.5% exchange rate surcharge
International transfers
neon-free has partnered with Wise (TransferWise) for SEPA and SWIFT international transfers.
neon does not apply surcharge on the interbank rate, but they re-invoice the Wise fees between 0.8% and 1.7% (clearly displayed when initiating the transfer).
Balance above 500,000 CHF
Negative interest of 0.8% are applied on a balance above 500,000 CHF
Carte replacement
Card replacement is charged 20 CHF.
neon-green plans and pricing
neon-green is the “premium” offers of neon that is charged 5 CHF/month.
From a fee perspective, the only difference is that the delivery fee of the 1st Mastercard is free (instead of 10 CHF).
All other fees are the same
Access the complete neon price list on their website.
Additional information
Specification: Neon Bank review – 10 CHF Bonus + Free Mastercard in June 2023
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Jean Valjean –
Very disappointed. I made a payment that was refused because I couldn’t enter the SMS code. And guess what. Funds weren’t refunded to my account and I am fighting since once week to have my money back.
At first they said I have to wait some days, I waited more than one week but nothing happens.
Second time they told me that my funds were effectively paid to the receiver. So I write to him and he provides me document proof that he doesn’t get the funds and that the payment was refused.
Third time Neon told me that they aren’t sure that they could refund me because there’s an information (that is totally useless) that is missing for them on the documents to refund me !
A real mess !! Never go to neon. I recommend you Cler Zak which is a real bank with real qualification. And they aren’t talking to you like you are a child (what neon is doing !).
Never ever again !