so what if it’s for free, when it’s at a criminal exchange rate?
Seriously, why are you so fixed on withdrawals? Just learn to use a credit card. I guess I make only one withdrawal per year, and these few hundred CHF are enough to cover my cash expenses for a year.
Let’s not forget the great comparison tool from Moneyland, where you can type in how often you want to use what services and it will calculate the total cost of a private account or a banking package, if you also need a credit card. I strongly recommend to calculate for 10 years, as some banks offer a discount for the first year.
As for credit cards, I use the Cumulus. With 2000-3000 spent each month, I get around 100 CHF in coupons, So they actually pay me to use the card. It still puzzles me how it makes a business sense.