I guess none?
my comment was a reply to:
plus Relio, Wise, Revolut, N26
Update: I was in the end charged on both Radicant and neon, and can confirm that neon charged 11.34 CHF while Radicant charged 11.81 CHF (i.e., the amount which was temporary booked, and then settled). It was on a Saturday.
So by my mere experience, Radicant is not necessarily the cheapest FX, and stand by my statement:
Note: the merchant accepted to reimburse one of the two transactions.
Interesting. Note that the FX market doesn’t operate on weekends - so banks need an approach for weekend transactions. radicant’s Saturday transactions will likely be converted using the following Monday’s rates. neon?
Completely agree with your conclusion.
I used NEON and Radicant while I was on vacation. Most of the time radicant was cheaper than NEON.
If you need a joint account, I would go for bank WIR Privatkonto Top, as far as I know, they also use Interbankenkurs and you can withdraw money without any limits in the foreign country, unlike Revolut (200CHF per month or so)
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I have used my radicant card to pay for an accomodation on booking.com . During the payment process on booking.com I had the option to pay in CAD or CHF. I chose CAD, assuming that would be the cheaper option. But In the booking app I see a price in CHF of 1’249.54. Radicant converted the CAD amount into 1’251.84. So I should have chosen to pay in CHF 
This makes me unsure how to handle such cases in the future. Should I generally choose to pay in CHF, instead of the local currency, even with radicant who claims zero FX fees?
I had an experience with booking that when I wanted to reserve something, it kept showing me CHF amount recalculated at a rate very close to the interbank one until the very last moment. Then, when it was time to pay, a fee of 2 to 3% was suddenly added to the CHF amount. Deceit is everywhere.
So your case might be not that straightforward.
Exactly, see what it says at Preisinformation.
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Ah, right. There is says ‘den ungefähren Preis in CHF’. So this might not be the whole story.
So choosing CAD was probably the right choice then.
As expected, Radicant lowers the interest rates on January 01, 2025.
- Up to 100kCHF: 0.25%
- From 100kCHF to 250kCHF: 0.5%
- Above 250kCHF: 0.25%
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Radicant becoming more Neon-like. App currently down (normal working day) due to “maintenance”. 
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Indeed, never had any issues like this before but now it’s been around 24h already that the app is only intermittently available
Likely as part of their merger project: radicant und Numarics vollziehen Zusammenschluss.
Seems to be a swisscom issue Swisscom produziert IT-Pfusch – Radicant, Valiant down – Inside Paradeplatz
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Got silent in this thread. But to their credit, they give a eTax statement by default (free) to any account, while for Yuh you have to pay 25.- (WTF) and for Neon you only get it when using neon invest.
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As expected, Radicant lowers the interest rates to 0.1% on March 25, 2025.
RF gives 1% for the first year.
RF = Raiffeisen?
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I think you should never change what sites offer you. Just when you are there you stay with the local currency.
I suppose the difference happens because it has been paid later the same day?
Question for everyone: Is anyone using their investment offer? I wonder if there are performance statistics. I might drop SBB-blunder-Neon sooner or later.
Edit. I corrected the SBB-blunder-Yuh to -Neon. Apologies.
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Thought that SBB issue is Neon, not Yuh?
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