Thanks for sharing, sounds like a good plan.
You have some good points. I’m not as well Revolut experienced as you. Do you mean that you can do exchanges in Revolut from let’s say CHF to EUR a day before the weekend?
Yes, you can do manual or automatic (i.e. gets done as you are paying online/at the machine) FX transactions any day of the week - you simply have mutliple currency balances in your account.
During the weekend you will be charged “for the convenience” of it.
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I see.
So if I’m going to germany for 2 weeks(including two weekends), and I Expect to spend 1500 CHF in that country, is it better to change 1500CHF on my Revolut account to Euro 1-2 days before the trip then?
No. As long as you exchange during the week, you are fine. It doesn’t matter where you are.
If you don’t want to pay the additional fee for amounts > 1250chf, then exchange something a month before…
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Hi,
What I’m doing is maintain always around 2k,3k Eur in the account.
If one month I’m going Europe I “recharge” the account with 1000 when I finish the trip and so on.
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Nice, thanks for the tip
I have another question and would like to hear the advice of the more experienced Revolut users here.
I will be abroad for 2 weeks soon(Sweden) and will have to be able to take out money(Swedish SEK), maybe up to a value of 1000CH from the ATMs there. Now I have 1 Revolut card and I have 1 Postfinance debit card.
Which card would you use to withdraw money from in the ATMs? and why?
Why? 
Illicit drugs are criminalised like in most other countries.
Prostitution is criminalised unlike most other countries.
What else for would you need that amount of cash in Sweden?
None, probably.
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What @hedgehog ehmm @San_Francisco is trying to say is that most of the people wouldn’t withdraw but just pay with the card instead.
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Haha, i like the subtle @hedgehog referral 
Also no answer to the question from me except to say Sweden is the most cash-less place I’ve visited. Card is king. I don’t know why they’ve gone so extreme, There’s even plenty places that point-blank don’t do cash, in most other countries that would be illegal, and prostitution is ok instead 
It doesn’t matter what I use that money for and this might be news to you but there’s much more you can do with cash then prostitution or drugs. But it’s not my personal use of the cash that is in question here.
Let’s just say that the Swedish socialist government and its institution loves to keep tabs on its citizen and steal money from regular folks in the form of taxes whenever it can.
So there are scenarios where cash is needed.
The question remains.
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Oh, I must have forgot about tax evasion above, evidently. 
But jokes aside: Sweden isn’t only the most cashless place @rolandinho has visited - it is regarded as the most (and first-to-become) cashless society in the world. As rolandinho already pointed out places are a thing there.
In other words: I believe cashless payment is the most widely accepted method of payment in Sweden - unlike any other country in the world. Whereas if we take London as an example for the UK, while cashless payments there might be used more often, cash will still be accepted everywhere, some places even being cash-only.
As a tourist on a short temporary stay, I believe it is sensible to use the most widely accepted local means of payment - and not carry relatively large amounts in less well-accepted means of payment. Which should mean using card over cash, in Sweden.
…unless the benefits of the alternative (cash) outweigh its drawbacks. Which, in Sweden, I can only think of the anonymity of cash. Though that does make no practical difference, but for illicit transactions and little else. Well, maybe you’d want to make a political or societal statement by using cash, and your comment about social government keeping tabs on citizens does indeed suggest that.
It is really not up to me to judge in any way - though I still might question your preference on a public forum, where we aren’t the only two readers.
A quick glance at PostFinance’s fees (page 12) indicates currency conversion at Forex rates when using PostFinance Card Direct at foreign ATMs. Though the withdrawal charges differ depending on the account plan you have (free on Plus vs. 5 CHF for non-Plus).
Revolut does have a weekend surcharge when haven’t “pre-converted” currency into SEK. Only the first £200, £400 or £800 currency equivalent for cash withdrawal are free, again depending on the pricing plan you have with Revolut (Free, Premium or Metal).
Answer to your remaining question: It probably depends on your account plans with Revolut and PostFinance.
There might also be ATM-operator charges, more likely on Mastercard than VISA (I think Mastercard allows them, while VISA put more restrictions on banks for such fees, at least in the Europe region. VISA and maybe - by extension - PLUS might be somewhat less likely to incur ATM operator fees)
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Well I have honestly always appreciated your opinions as well as your thorough, well written texts. But in this case, I believe you are making it more complex than it has to be.
Again, there are non-criminal reasons to withdraw cash from an ATM. I’m a law abiding citizen, and luckily for me there’s still no law that forbids me from withdrawing cash from ATMs in Sweden.
Blockquote
It is really not up to me to judge in any way - though I still might question your preference on a public forum, where we aren’t the only two readers.
Blockquote
Well, there’s nothing illegal with my question and it is not illegal to withdraw money from ATMs in Sweden, so I don’t see the problem with asking what bank card would be the most economical choice when you want to withdraw money abroad.
"A quick glance at PostFinance’s fees (page 12) indicates currency conversion at Forex rates when using PostFinance Card Direct at foreign ATMs. Though the charges differ depending on the account plan you have (Plus or non-Plus).
Revolut does have a weekend surcharge when haven’t “pre-converted” currency into SEK. Only the first £200, £400 or £800 currency equivalent for cash withdrawal are free, again depending on the pricing plan you have with Revolut (Free, Premium or Metal).
Answer to your remaining question: It probably depends on your account plans with Revolut and PostFinance.
There might also be ATM-operator charges, more likely on Mastercard than VISA (I think Mastercard allows them, while VISA put more restrictions on banks for such fees, at least in the Europe region. VISA and maybe - by extension - PLUS might be somewhat less likely to incur ATM operator fees)"
Thank you for sharing your opinion! Like I said I always enjoy reading your opinion and I often find them aligned with my own ( almost all of the time 
)
@Cortana You are really too fast !
Here the complete link : Blog
If somebody want to try neon, I have a promo code : NP3ND9 
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The fee is composed by two parts: the TransferWise fee and the convenience fee (that we get). The TransferWise fee consist of a small fixed fee and a variable percentage - the larger the amount, the smaller the percentage. The convenience fee is always 0.4%. For the development and maintenance of this and other features. For the service and convenience we’re offering you with this.
This is probably a better post for a thread “Neon vs Zak” imho.
Any experience with this ? I have some 3a funds at PostFinance so I could opt for the “private account plus” which would waive the ATM fee. But I would like to know what the actual FX rate is compared to Revolut (in a no-fees situation).
I withdrew EUR one week ago with my Revolut card. The exchange rate was around 1.06 compared to 1.09 of Postfinance (source: banknote rate of currency converter from Postfinance).
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damn it… I’ve also the plus account, never took the time to compare… was hoping for a better currency conv though !
Anyway, Revolut has fees for ATM also with Premium account and the threshold is quite low → better to minimize cash wherever possible