Financial setup for foreign currency exchange and payment [2025]

Absolutely. Question is, again, what you’re optimizing for. Paying nothing for financial service is one aspect. Spending as little time as possible is another. A third is maximizing the goodies that come with some combination that increase your quality of life in other ways.

I sum up a bit:

ZKB/AKB/Neon/Yuh all satisfy “free of charge accounts”.

SwissCard Cashback/Certo One give 1% cash on the amount spent.

Raiffeisen Membership + Debit card gives you free access to tons of museums :wink:

AmEx Gold gives reward points that you can use pretty flexibly, and comes with awesome travel insurance.

Wise/Revolut/Neon all satisfy “good for spending in foreign currencies”.

Some of these also have decent rates on savings (Raiffeisen) if not Checkings accounts (yuh)

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