You can get a âPartnerkarteâ for CHF 20/y, i.e., two credit cards for a total of CHF 70/y. They would presumably share a single credit limit but thatâs likely not an issue for your use case.
If this is purely for common household expenses, does it even have to be a credit card? The PostFinance Card (which is now also a Debit Mastercard) may suffice. I donât see any mention of a âPartnerkarteâ option for the PostFinance Card, which seems odd as they advertise the account to be available as âPartnerkontoâ.
Is the new PostFinance Card supported on Google/Apple Pay? If so, it may be possible to simply add it to both of your phones.
And if you put more than 25,000 CHF worth of assets in e-trading, the smart package 60 CHF per year can be saved. But you have to pay 90 CHF per year for the trading credit. So it only makes sense if you have budget for brokerage account.
yeah. Yet at Raiffeisen, only accounts are free for members. Card not. T_T
Somehow to my surprise, twint cannot be connect directly to account, only to cards.
We take the shareholder package, unfortunately we need to both have at least one checking account each in order to have a joint account (stupid). So basically we have:
2x Checking account with our Emerging Fund.
1x Joint checking account where our salaries are paid and which is used to pay all our expenses (bills, shopping, etc.).
2x Neon account for our foreign expenses and very personal expenses (gifts for instance).
Total: 100 CHF per year (2x Debit Mastercard from our joint account) and 200 CHF each for the one shares from Raiffeisen (1x time for life with 3% of dividend each year).
We also have two checking accounts, one for each, at Raiffeisen, yet I donât want to pay for the card for 50CHF per year after becoming the member alreadyâŠit doesnât make sense to me. haha
For our 2x checking account, we donât have any card (I forgot to precise it). And for the 50 CHF for each card, I can understand you. Their âexcuseâ is that it works like a âmembershipâ to visit some museum in Switzerland.
In the future we will maybe change, but it will be hard because their E-Banking is smooth, like UBS. My last bank was the BCV and their mobile app and E-Banking are a joke
Agree. Their E-banking is not bad. We now only use the account to pay ebills. Without a card, it basically has no connection to the real world. I cannot even connect twint to accounts. T_T
We got 2 BCGE account with no maestro nor debit card for 36 chf a year each.
We use bcge TWINT or Wise as personal debit card.
We got a common Cembra Certo1 credit card for no fees.
I donât know if it is possible since the card is used as a membership card to have free access to museum and other discount. Moreover, Iâm used to pay with my card than to use Twint. However, I will ask Raiffeisen if it would be possible and try to use Twint during this month.
Regarding BCV, you can open a relationship while living in another Canton, youâll just have to go to a Postoffice once to have them check your identity.
All cantonal banks ATM can be used without fees for withdrawal. The assets can be held through their TradeDirect brokerage, which has moderate fees and allows registration of Swiss shares: TradeDirect / Markets and online trading
Edit: I did it the other way around, first the TradeDirect relationship, then the regular banking one, which then just required a phone call but I guess it would work in a similar fashion if doing it the other way around. The process wasnât 100% painless and their customer support isnât the smartest in the industry, but it was only a one time hassle.
