Married mustachians - how do you manage your finances? [2022]

Banks, Insurances & Third Pillar
61

It’s not free. It’s not clear how much it will cost though.Check the cga.

62

How do you know?
123

63

It’s in the CGA. Check at the bottom of the email, there is a link to the PDF where they highlight the changes.
Mine is in italian:

image

64

Thank you!

The english version:

The «neon joint account» is a paid service offered by neon; a prerequisite for a «neon joint account» is that both account holders have a
separate contractual relationship with neon and with Hypothekarbank Lenzburg AG.

1 Like
65

We have completely separate accounts and just sent TWINT / Revolut requests to split costs.

I’m tempted to get a joint account to simplify, but somewhat reluctant due to:

  • Extra costs
  • Extra thing do deal with on tax return
  • Having to check to make sure an account is funded enough

Not sure if the hassle saved with sending split requests is going to be replaced with hassle on opening a new account and keeping it funded.

I pay 36 CHF per year for the UBS personal account. But just noticed since they ‘upgraded’ my card to a Mastercard, I’m now paying 50 CHF for that (instead of 25? for the Maestro)! I guess I can downgrade it to the customer card and save 40 CHF per year.

I guess the family banking packages costs 4CHF more each compared to having separate Personal accounts.

66

I find it understandable (they need money), but still odd that Neon will offer a paid joint account. With ZKB offering free accounts, I am not sure why anyone would switch to a paid account. Staying with a paid account, ok, avoiding the hassle of switching, but if you are switching anyway, why switch to a paid account if you could have basically the same thing for free? Granted, I don’t know if joint accounts are free at ZKB, but still.

67

UBS hate this trick:

Their Basic credit cards are still free (if you make 24 purchases each year, after the first year).

1 Like
68

Joint accounts are free at ZKB.
I needed a long time ago a joint account with low costs. Since ZKB has waived the fees, I will stay with ZKB and I am not sure, if we will open a joint account with neon, now.

2 Likes
69

neon joint accounts won’t be free BTW.