As always, individual needs might vary 
We rent our Camper and the deposit of 1500 CHF was put thru via TWINT so far without issues. Instant and easy transfer with verification. Now I need another way…
CS is… A catastrophe, in terms of values, scandals, and financial power. I’m morally struggling to go there as a customer.
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If you want to support your local shops/dealer/restaurant, use twint. Much cheaper for them.
Credit card : around 2.5 %, Twint : 1.3% transaction fee. (the cashback has to come from somewhere). Basically I calculate with the credit card fee for pricing. Worst is Paypal for small online shops.
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I think other banks and companies are not much better, they just didn’t get caught and have more intense marketing efforts such as corporate social responsibility programs, diversity and inclusion, greenwashing, woke stuff, to improve their public image etc.
Everywhere mistakes are made, indeed. But I know from personal experience that CS is just a shithole with massive problems. And there is stuff which is not discovered yet. If I have to choose between a “woke” company like neon - how you are describing it - or CS, I will definitely proceed with Hypothekarbank Lenzburg.
I have used CSX as well to test it and because it was free. The app is not finished. In contrary, you have neon which reacts on customer requests and build in new features.
By the way, I do not understand how this “woke stuff” from neon impacts your payments or your living? Just opt out from their e-mail? Why would you pay more commisson to a bank, which is “not woke” but shits on their employees and generates one scandal after another? Will you bi injured in pride, if you are using a very cost-efficient system?
Can you make couple of concrete (objective) examples, why neon is moral-wise a much worser choice than CS?
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Same can be said about CSX, how do this scandals affect your banking package or your living?
Sumup: 1.5% for debit cards.
I don’t see it so much as a manifestation of company values but (the green card/price plan) rather a specific product tailored to a certain target demographic.
Like other payment cards with bonus programmes.
That is correct, debit cards are cheaper. However, not much people pay with it when I get the Transaction cost report.
Twint is actually pretty well accepted. I was surprised myself how common it is. (as I am a non user)
Interesting points, thank you for taking the time. Especially the quoted one, never seriously thought about it.
The whole topic is indeed based on very subjective opinions. I personally do not care about the color or brand of a card; I personally am one of the platinum users, but not to show off 
(and neon only abroad, and there the people do not know neon, I highly assume. Neon is too small to be known abroad. But even if I pay in Switzerland with it, I couldn’t care less about one’s opinion). I have used Revolut earlier but the main reason I swiched to neon is, that the jurisdiction is in Switzerland and - in my eyes - neon has the most similar pricing as Revolut.
If you want to judge someone based on the card he uses or the shirt he is wearing, this is completely fine and your right. I would be interested, in how many cases you would be right with your assumptions, if someone who uses neon for one transaction is “woke”, broke or whatever 
But I am with you, CSX is in fact one of the bank account (packages) which has to be mentioned every time, when one is asking for a recommendation. It is up to them, to evaluate for themselves, if it is in the end CSX, Zak, neon or another account.
Same is true for me on CSX.
I guess that’s fine as we are different people with different views.
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I have never used CSX. However, what makes me still stay with Revolut is actually the app itself. it’s true it’s not perfect and the UK law is a risk, charging CHF is not straight forward, but again the App itself the UI and AI are from my non-tech standpoint just top notch. I was so impressed how they handled my travel to the US this spring. They froze the card as renting a car in the US did not match my profile but with one click I could de-freeze the card and confirm that I did that transaction. A similar point occured by driving into Italy into a toll station first time since Covid where they asked for confirmation.
If CSX do have a competitive app I could fall for them as the Neon app is ok but in my opinion way inferior to Revolut
Just my experience: When I was signing up with Neon, they ran a campaign where women got a 30 CHF sign-up bonus and men 10 CHF. Which of course is clear discrimination / sexism. Just the generally accepted kind, i.e. if you discriminate against men everyone applauds. But I don’t accept any sexism against anyone and I don’t think anyone should. Which is why I don’t like Neon and their values.
To be fair, they answered my complaint very nicely and explained they have a customer gender imbalance and had been trying different things to correct this. Fair enough, but that nobody at their bank balked at discriminating men speaks volumes. I got my 30 CHF sign-up bonus in a different way, otherwise I’d not opened my account at all. But give me a comparable offering from a non-woke bank and I’d be gone.
As for UX, I like the design of CSX much more, but I haven’t used either account enough to really compare.
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?
I have a CH IBAN for my Revolut CH wallet since forever (i.e. 2017)
yes, you are right, it is shared and you need the account reference in the payment description (similar to IB)
That’s called a brokerage/common account, not your personal IBAN.
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Clear but the OP did wrote ‘no CH-IBAN’ and not ‘no personal CH-IBAN’
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Private account: Privatkonto für Ihre persönlichen Bankgeschäfte in CHF
Savings account: Unser Sparkonto mit kostenloser Kontoführung
If you like, you can get for free a “Kundenkarte”, which can be only used at ZKB ATM to withdraw and pay in money. It is not actively advertised
The credit cards in my opinion are not very attractive, I would stay with Cashback from Swisscard or something similar.
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thanks - but for the 1CHF account you don’t get a card, so that’s a no-go.
for 50 a year I might as well just go to UBS.
I personally pay with credit card only. Debit card costs too much and comes with no benefits.
With the credit card I get at least 1% cashback or 2.4miles per CHF.
The Visa debit card by ZKB costs CHF 40. Or take a package for CHF 5 per month, still cheaper than UBS.
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Raiffeisen with the “sociétaire” status is a good one. CHF 40 for the card but you get benefits like 50% ski or museum for free and no other fees.
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