# WIR Bank TOP package

**URL:** https://forum.mustachianpost.com/t/wir-bank-top-package/12986
**Category:** Banks, Insurances & Third Pillar
**Created:** [June 10, 2024, 7:08pm UTC](https://forum.mustachianpost.com/t/wir-bank-top-package/12986 "2024-06-10T19:08:48Z")
**Posts on this page:** 1
**Showing post:** 184

<div class="post-metadata">

### Author: ![gaijin](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/gaijin/32/13983_2.png) [@gaijin](https://forum.mustachianpost.com/u/gaijin)
#### Post date: [March 10, 2026, 7:10am UTC](https://forum.mustachianpost.com/t/wir-bank-top-package/12986/184 "2026-03-10T07:10:15Z")

</div>

> [@awyeah](#):
>
> Transactions don’t appear immediately on the App, and this may take up to a few days and the settlement date exchange rate is used, which could be a few days after the actual purchase date (common to all)? Has this changed or not? This is quite important to get real-time info about this, as debit card mean’s instant cash taken out from your account.

Has been solved with the new app. I receive instant notification. As for settlement, transactions on the weekend get settled on Monday. This is the same as for my credit card, purchase date and settlement date are not always the same.

> [@awyeah](#):
>
> Some people argue Interbank vs Mastercard exchange rate, but its still better than all other Swiss banks excluding Swiss Neo banks (screenshot below)

Where did you get the screenshot? It has outdated information. Radicant is no longer in business. From my understanding, Wir has the best rates in Switzerland.

> [@awyeah](#):
>
> Clunky App, but has had a recent improvement and upgrades, and less supporting Apps needed

True.

> [@awyeah](#):
>
> German only, but can bear using that as have working knowledge of upto A2/B1

Not true. Wir supports three of the four national languages of Switzerland. No English.

> [@awyeah](#):
>
> For the Anteilschein

Don’t buy an Anteilsschein. You won’t get the full amount back.

> [@awyeah](#):
>
> so is there a possibility they entertain me at their physical branch or support is mostly digital / electronic

I have never used their physical support. However, my guess is that staff in the physical branch often doesn’t have access to the technical backend, so they won’t be able to solve technical problems for you. And the debit card is issued and supported by SIX, not Wir.

> [@awyeah](#):
>
> they can wave of the 1500 CHF monthly requirement?

I personally have a Wir account, my mother as well. Though I don’t meet their requirements I have never been charged or reminded, it just works. There are also no reports in this forum about people not being able to open account or getting charged, even if they don’t meet the requirements.

> [@awyeah](#):
>
> **The Verdict**

Again, double check answers from AI. I have no idea how AI came up with this answer. Wir is certainly a traditional bank as well.

---

_[View the full topic](https://forum.mustachianpost.com/t/wir-bank-top-package/12986)._