Cheers. So it’s 1.- per month for the plain bank account without any cards. 40.- for Maestro and I assume CC between 70 and 100.-
I still think Migrosbank is the better offer. Was just curious if ZKB somehow changed their pricing (checked last time a year ago or so)
…may be bit of an overstatement but…
No, they do include a free Kontokarte for free cash withdrawals from their cash machines.
Also, while I‘m not sure if/when they changed their pricing…
…ZKB also offer a 5 CHF/month package with credit card and Maestro.
You are right. Should have scrolled down more on the link I shared myself… The “Basis” package indeed has a basic credit card included (limit CHF 3’000.-). 2.5% surcharge when paying abroad is a bit high.
I use:
Zak from Bank Cler for all daily spendings (free with visa debit card) and the bank cler private + savings account for salary entry point, big payments and emergency account(1.- per month without a card)
What I like is that you can access their webbanking and transfer money to zak very easily + you have the support by phone if you need anything urgent.
Zak has ebill and the scan function.
If you are interessted pm me for a referral code, that will finance the setup for 25 months 
…if you have at least 10‘000 CHF of wealth with them.
Given that, you can also get their standalone personal account at only 3 CHF/month and add a free credit card (min. 24 transactions/year, easy-peasy, when you can use it at Migros & coop for an apple or a bottle of water). If you need a bit of cash, you can use their customer card (10 CHF/year) or a secondary account (Neon, Zak or even Wise/Revolut, unless you need lots to pay for all the hookers and blow). Personally, I can’t remember the last time I‘ve used CHF cash though.
I used to have that setup. Only got rid of it when I didn’t use it anymore, due to preferring Neon‘s app over the UBS banking app.
I see compromise and hidden costs everywhere except neon.
Some don’t support ApplePay, some are useless (= too expensive) for paying abroad, some charge for the account and again for the card, some only give you a Maestro for free.
Neon for me ticks all the boxes (twint, applepay, mobile app, auto-categorization, free, cheapest payments abroad, mastercard) with only 2 caveats:
I still have the PF set-up where the PF card is free as well as there is no account fee (as I have also part of my portfolio in E-trade beside the IB part) for additional cards I have cashback cards and Revolut for traveling. It could be simpler agree and PF has decreased a lot since the beginning (biggest point for me was the free cash abroad) but I’m with the impression that we should not pay for a banking solution even if it’s just a small fee. At the end the banksters make money with our money without any risk and no innovation so I do not see a point in supporting them even if it’s just 50CHF/y
I’m having some titles in e-trading as well, but alas, it’s ridiculously expensive compared to IB, so it’s mostly just paying 90CHF a year to hold 3 titles, which is… not so smart.
My current premise is to replace these 3 with one (the neon one).
As for CC I’m using the free Cumulus Mastercard which is hard to beat anyway. Coop has the same with Visa.
I use the following set up:
With ZKB private account I have:
If you need a savings account, you can have one for free. Why did I choose ZKB?
In order to complete my setup (to give you an idea):
I‘m interested in your experience with Swissquote. I had once an account with them in my early trading days which was fun, however now as pure buy and hold I think even the PF E-trade which is based on SQ is better as it does not have a quarterly charge (can you remind me how much it is at SQ?). Fully agree that it’s incredibly overpriced compared to IB. However, I still have some 150k there for VWRL and some stocks (BION, HBMN, ZURN and RIO) where I do not see the need to transfer to IB.
From a personal perspective I do not really like Neon to be honest The app is lame compared to Revolut and as mentioned in another topic there are some fees for withdrawal cash abroad which I still do not understand which was not the case with Revolut.
Agreed also that in CH cash is not really essential but you know the golden rule: drugs and hookers only in cash 
0.025% per quarter, min. CHF 50 per year and max. CHF 200 per year excl. VAT.
99% of the time I don’t need cash either.
But one use case came to mind - where could you get the coins for the carwash? 
The 0.025% is per quarter, but the latter CHF amounts you quote are per year.
So comparing to Postfinance (annual fee of CHF 90 fixed), below a depot value of CHF 90000 Sq is cheaper, and above Pf is cheaper.
But the Postfinance annual depot fee is a credit for trading, so I prefer Postfinance to Sq from a cost perspective.
Yes, fixed my post accordingly.
Trades of many ETFs and mutual funds can be much more expensive at PostFinance, though. At Swissquote there is a large number of funds with a flat commission of CHF 9. At PostFinance you quickly reach e.g. CHF 35 (ETF) or CHF 60 (mutual fund) for a 6k trade, as far as I can tell.
Also, security transfer costs CHF 100 per position at PostFinance, CHF 50 at Swissquote.
You buy 90k of ETFs on SQ and then transfer them to PF?
Sure, you can’t avoid stamp duty with Swiss brokers. I don’t expect the CHF 90 credit to be usable for stamp duty, so that doesn’t affect the comparison. Exchange fees are also treated separate for both.
Third caveat: No credit card - which you need for some rentals or offline use.