Does anybody have experience with the Pack CA EssenCiel of CA Nextbank?
It ticks many boxes besides being free, but it is seldomly mentioned.
I am looking for a new joint account. I find Migros not suitable, we have quite a few incoming transactions, and those are not free with them. I tried Raiffeisen but was dented in my enthusiasm by a pretty arrogant attitude towards new customers. I tried BCV or rather, I am still trying, since after a telephone call and several emails I am still not sure if we can open an account if living outside of Vaud and if so how. The only other free option I encountered was CA Nextbank, definitely the least known of those.
I have the pack with a single account, it’s basically all free and they still give some very small interest on the saving accounts if you’re not fully invested.
On the other hand their ebanking is somewhat of a pain and not very user friendly compared to others, at least the web interface. The telephone app might be better, apparently they’ve updated it recently but I haven’t tried it out.
Web interface is ok for me (functional enough). The only pain is no e-bill.
Got my 20k as emergency fund but yes, looking to change for postfinance or something because I would like to reduce that part (and I need a joint account).
We are at Postfinance at the moment. Decent choice overall, but not free. You either pay at least 5 CHF per month or you have to invest at least 25k with them. All their investment options are much more expensive than those of their cheapest competitors, so if you invest you effectively pay much more than the 5 CHF per month (the counter-argument is convenience, they are never the cheapest or the best, but also never the worst, so if you do everything with them you save time and have an OK package).
Keeping 20k with them would be OK for us. Web interface is more important, I try to find out how it looks.
I had no trouble with this. But I did the last time Postfinance fees were rising. It’s a single account but I will move our joint account there if postfinance do not fix their app anytime soon
The last time I checked both BCV and Raiffeisen have a minimum requirement for money on account / invested. With Raiffeisen it differs widely depending on which Raiffeisen bank you are actually joining.
The other alternative might be Migros Bank. As far as I recall you pay for incoming transfers, but if you are ok with paying a bit per month and don’t have too much of those, they might be something to check out.
I don’t mind the minimum requirements. I’d keep some cash for emergencies anyway and with CA Nextbank I at least get some interest on that (yeah, it’s almost nothing, but still, it doubles the advantage of being with them instead of Postfinance).
I’m facing the same “problem” - I’ve been looking for a joint account similar to the ones we can have on Neon, CSX, Cler (i.e. no fees) and it’s impossible.
And also I don’t find it interesting to have 20/25k stuck there without having that on any ETF…
My view: we will just need to wait and keep pushing Neon to get something done
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