Wise ATM fee increase - What now?

Wise just announced an increase from from 1.75% to 2.69% on the variable fee for withdrawing cash from ATMs over the (very low) limit of 230 CHF per month.

https://www.reddit.com/r/Wealthsimple/comments/1r6b0rz/wise_increasing_their_atm_fees_from_may_1st_2026/

This makes Wise pretty much on par with a normal bank debit card when withdrawing cash abroad, e.g. on holiday.

Recommended alternatives?

EDIT: just to be clear, yes, I’m talking about withdrawing cash abroad (for example in location where this is the most widespread payment method) using a physical card. Possibly without requiring a smartphone app (Wise allows to do everything from browser).

Wir and their Bankpaket top

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Among these banks: Best Online Banks in Switzerland (February 2026) is there any that can be used without installing a mobile app? (like Wise)

Wise is the only one.

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