neon review
A Swiss personal account app that pairs everyday payments with investing and Pillar 3a.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
neon is a mobile personal account app for qualifying individuals resident in Switzerland. It combines a Swiss account with eBill and QR payments, a Debit Mastercard, salary receipt, Spaces for organizing money and spending analysis. Customers can also invest in shares and ETFs, save through Pillar 3a and send international transfers through Wise. The account is held at Hypothekarbank Lenzburg; neon itself is not a bank. The app is available on iOS and Android, and it does not offer business accounts.
The free neon free plan includes the Swiss account, card and investing features. neon plus costs CHF 2 per month or CHF 20 per year, adding fee-free worldwide card payments, two free cash withdrawals per month and phone service. neon global costs CHF 8 per month or CHF 80 per year and adds travel, cyber and shopping insurance, plus 20% cashback on international transfer fees. neon metal adds worldwide free cash withdrawals, a metal card and mobile phone insurance to neon global benefits; its listed monthly price is CHF 15. The plans make the choice depend on whether the paid card, withdrawal, support or insurance benefits justify the ongoing cost.
Its everyday payment and money-management features sit alongside investing and retirement rather than focusing only on card spending. Wise supports international transfers, while TWINT Prepaid, Apple Pay, Google Pay and Samsung Pay are listed integrations. Two-factor authentication is a listed security feature, and support is available by email or phone. The main fit is a Switzerland-based individual who wants these account and financial features in a mobile app. It is not suited to businesses or people who need cash deposits; customers can add funds by postal QR bill instead.
neon pros and cons
- Where it wins
- Free plan includes a Swiss account, Debit Mastercard and share and ETF investing
- Wise transfers, mobile wallet support, eBill and QR payments
- Spaces, spending analysis and Pillar 3a in one mobile app
- Where it doesn't
- Available only to qualifying individuals resident in Switzerland
- No business accounts or cash deposits
- Insurance and worldwide free cash withdrawals require paid plans
neon fact sheet, pricing and score →
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