FIRE is about “Rappenspalterei” 
, but agree…
2 Likes
So, apparently my card has had a wrong configuration which lead to the mark up on the exchange rate. They changed that, we should get the correct interbank rate now.
Side note: Support was extremely friendly. They even reimbursed me for the exchange rate difference for the transactions I made - without me asking for it.
15 Likes
WOW… they indeed mean inter banking rate? Amazing…
1 Like
Nice that it worked out for you, but also very fishy how a card can have a “wrong configuration”… How many of their customers will actually check this and complain, and how many will just think they have a great deal even though they don’t…
8 Likes
does anyone know if VIAC 3A as well counts for their “20k of 3A with WIR” or not?
I would be interested in this too. Especially if there is nearly no cash on the VIAC 3A but only ETFs (I mean, I don’t think many keep only cash on VIAC 3A).
Furthermore, there is the option of buying “Anteilschein” of 200 CHF. But the way I understand this it wouldn’t cost ‘just’ 200 CHF but nearly 500 CHF given the current price (Eine Investition, die sich auszahlt | Beteiligungsschein | Bank WIR - Bank WIR).
I suspect this is an error as opposed to intentionally tricking customers.
My experience with WIR is that they are still an old fashioned bank. The people on the phone are very friendly. Their back office processes seem inefficient relative to the push for digital customers. I experienced a few manual errors in KYC (but for a non-standard situation). Not yet having TWINT also goes in this direction
2 Likes
Agreed. I was in contact with them and never had the feeling that it was an ‚intentional‘ error. I think its a new offer/debit card they‘re pushing and somewhere down the line a mistake happened.
Yes, got that impression as well, seems to be a more oldschool brick and mortar bank. However, their customer service makes up for any missing features (Push/Twint). I am amazed with them🤯
Btw: I verified their update to the card. They are now using the interbank rate for FX. In my test they were offering even a 0.2% better rate than revolut. Impressive.
6 Likes
Do you know of it is possible to try their E-Banking solution (like a demo)? If not, do you mind share your opinion about their e-banking solution and mobile app?
These points are important in my view and could or could not make me move in the near future 
can you tell me more about the process for the hypothek at viac?
I tried for an offer too, but they said I needed to have reservation contractor…
First off. I don’t have the TOP package, but I’m a customer of their 1.8% savings account. And for that you get access to the online banking as well.
The App has a demo mode, where you can try all their features.
1 Like
I have now also opened this bank package (I already had a savings account). The card arrived fairly quickly, but no confirmation of the account opening. I then called and was told that the confirmation was only available in e-banking. It was not. Had to call again and explicitly ask for a document with the opening confirmation. Funnily enough, they send it directly to my e-mail address. I find it a bit strange that an opening confirmation is not sent automatically. I definitely want to have such a document.
As Twint is now available with the top package, I’ll take this as my main account.
I hope it doesn’t block payments to Kraken, Relai etc.
The forex payments should be less than neon (or at least the same).
2 Likes
1 Like
nothing else is stated… I assume SWIFT payments will cost something. But can find anything about that.
1 Like
Have you checked/ be aware of the conditions for a free account, i.e. a regular deposit of CHF 1’500, a mortgage of CHF 20’000 or a share in the company?
Perhaps this discussion would be more appropriate in the dedicated topic? @Dr.PI
1 Like
… or 200chf for a member certificate.
There is the WIR top thread. Right.
1 Like
I am looking into making this my secondary bank account, especially that it is now TWINT compatible.
It seems they removed the savings plus account now.
Did anyone find a way how to increase the twint limit beyond CHF 500? Feels like having twint, but still not having it 
Which card is cheaper for NON-CHF purchases?
Bank WIR Top package or radicant?