I see lots of requests here for recommendations on banks, credit cards, brokers, 3a providers etc.
I keep it simple:
My thinking is to just stick with the ‘basics’ unless there is a specific unusual requirement.
Is this too simplistic?
I would add Revolut, because it is cheap and works perfectly abroad.
Bank: UBS, but thinking of getting rid of 'em, quiet expensive. 3 Wise accounts in CHF, USD and EUR, all invoices in EUR go over that account with direct debit. DKB for cash in EUR.
Broker: IB of course, what else?
3a: none, I manage my money myself and pay the tax… which probably is lower.
Credit card: various, oldest being an American Express gold which says “member since 1992” and they offered me for free. I used that in the 90s to get cash from foreign travel agencies that did accept AE.
I keep it even simpler:
Bank: Migros Bank (twint Migros Bank) & yuh (twint yuh)
Broker: Saxo & IBKR
3a: Finpension
Credit Card: Swisscard Cashback American Express & Cashback Mastercard
I have Supercard Creditcard & Migros Creditcard (both free), but I use American Express Cashback for most of the daily things (because: Cashback ;-))
I have far too many accounts, payment cards, etc. But if I had to decide:
Pretty much the same, except:
I would still make a difference between a debit card and a credit card. It’s probably decreasing but I think there are still (online and offline) places that only accept credit cards.
For me therefore:
Raiffeisen[$]
IBKR and Swissquote⇄
Raiffeisen and Finpension
Uh, er … 
Miles&More Amex and Mastercard[CC]
⇄ IBKR for trading, SQ just for receiving dividends.
CC I know, I know … I can explain: I still have about half of the more than a million Star Alliance miles I collected while working at that US start-up in a former life. In order for the miles not to expire I need to do at least one monthly purchase with their credit card.
I’ve been mulling getting an additional less expensive or free credit card ever since joining this forum. But … inertia weigh like a heavy crown on me.
This data won’t be easily exploitable. We could have created a poll for each services.
Home country legacy complications : 4 banks and another broker 
That’s 4-5 different providers for 4 basic things, I wouldn’t call it too simplistic.
Given the nature of this forum, it seems pretty standard though, optimizing for cost, and to some extend functionality (as with broker and 3a).
However, you could get all of that as one package from a single big bank or increasingly many neo banks.
On the other extreme, you could try any new free provider, chase any limited offers and optimize all the specific usages like sending or withdrawing money abroad, or cash-back offers from credit cards. Discussing those is one thing that’s keeping forums alive and content and referral money flowing for blogs and “finfluences” 
Well, I guess the original intent of my post got lost in an orgy of over-sharing personal setup 
What I meant was if asked for a recommendation for a bank, 3a provider, credit card provider or broker just go with: UBS/Cantonal bank, Viac and/or finpension, a cheap free CC like Certo/Revolut, and IBKR. Why even look at cornerbroker123?
Fair enough. It depends who’s asking.
If they are somewhat interested to learn a bit or improve their setup, these are all more or less established, very solid solutions, kind of best-in-class (or best available) for me.
For others, it might already be too much. Too many providers to keep track or compare, or not trustworthy enough to them.
3a* or investments at a brick-and-mortar bank (maybe even a mutual fund) are likely still better than nothing at all, if they avoid the worst offers. Same for a banking package with credit card, or at least a free CC with a household name like Coop or Migros printed on it, as well.
They might be very convinced that a free offer can’t be good or is even suspicious. You know, it’s “how they get you”, whatever that means exactly 
It’s not wrong, no free or low fee offer is done out of charity.
The few times I’ve been asked by “that kind of people” I’d give an answer like that, added by "If you want lower fees or more flexibility, have a look at [IB / Viac / Revolut etc.] (and avoid cornerCFDbroker123).
*For 3a, at least around ZH, something like Frankly might be noteworthy. Less options than others, but just the fact it’s ZKB, and also included in their online banking might be relevant to some.
Honestly, if asked for advice:
Bank: keep the one you currently have, it’s doing good enough for you.
3a + investments: VIAC, Finpension or Truewealth. No need to look further unless you are interested into it and want to spend time optimizing your setup.
Credit Card: Cumulus Visa (good enough for most uses), Certo! if for whatever reason the Cumulus mention makes it undesirable. Any of the free ones will do it if other preferences apply.
Slightly more complicated: add Wise or Revolut.
Slightly less complicated: go for Neon and use it for everything. Be aware that they are not themselves a bank but use Hypothekarbank Lenzburg AG for that. Your deposits are covered by the esisuisse insurance as per their FAQ (subject to change so no guarantee for the future) but you’ve got all your eggs in one basket in case of fraud.
.
Edit: I’m too lazy to dig it up but we do already have a topic dedicated to simple setups that can be recommended.
Sometimes it’s easier to have 4-5 providers for specific things that are excellent at what they do than to have everything with one provider, which does not specialize in anything.
In other words, sometimes KISS is the 3a app provider that makes everything available via app, rather than having the 3a at your local bank, which does not have a proper interface for this.
I use:
I also decided against simplifying further (e.g. using neon for all of the above) so I can:
That’s pretty cool. That the setup you started with or were you able to shrink it down to this?