Discover our new neon plans

At neon, we've always believed that your finances should be simple, transparent, and affordable – without hidden fees or complicated conditions. Since 2018, these values have shaped us, along with feedback from our now over 237'000 users. That’s why we’re evolving our plans to give you more choice, flexibility, and better value. Whether you travel often, prioritize sustainability, or just want a hassle-free digital experience, our new structure makes it easier to find a plan that fits your needs. And, as always, everything stays fully digital, independent, and built with your feedback in mind. Do you wonder what’s changing and when? Read on for further details.

What is changing?

In order to offer more flexibility and a better value to our users, we decided to revise and widen our product offer, with roll-out beginning on 13 May 2025 and continuing over the following days.

Taking into account the feedback received from our community over the past years, we will broaden our offer with four neon plans:

• neon free: The digital everyday account for full independence,

• neon plus: The smart account with extra accessibility,

• neon global: The boundless account with extra protection online & on the go,

• neon metal: The exclusive account for a carefree lifestyle.

Each plan will entail the benefits of the previous plan, plus additional ones.

Our neon extensions, neon duo and neon green, will be combinable with any neon plan.

Below, you will find a description of each plan and how it compares to the current offer.

You’re not a keen reader? Click here to directly see our plan comparison grid.

neon free: The digital everyday account for full independence

(0 CHF / month, 0 CHF / year)

neon free will remain commitment-free: still no monthly fee for the account or card. It will continue to provide users with key features to manage their daily finances: Payment service including eBill and QR bills, Spaces, neon invest (still with the same low-fee structure regardless of your plan), e-mail support, and a 24/7 card emergency support. ATM withdrawals in Switzerland will cost 2.50 CHF from the first withdrawal (except if you follow our tips to do it for free at Coop, Lidl or via TWINT, or for a low fee at many kiosks or supermarkets via the Twint app), and the ATM withdrawal fee abroad will stay at 1.5% of the withdrawn amount. Card payments abroad will now have a 0.35% exchange rate surcharge – which is still well positioned compared to the offerings from traditional banks and also Yuh (0.95%) or Revolut (1% on weekends), in an environment marked by increasing card costs for fintechs like us in the past years. The neon free red Mastercard design will remain the same.

All current neon free users will be able to stay on neon free or choose to upgrade to another plan starting from May 13th, 2025, when the changes will start to be rolled out for existing users.

From that date, neon users will also have the possibility to take the neon green extension on top of their neon plan (regardless of the neon plan they have) for 3 CHF per month, and mitigate their carbon footprint by planting 1 tree for every 500 CHF spent with their neon Mastercard.

Please note: We will, of course, continue to offset the CO₂ footprint of all our neon accounts, as well as that of neon as a company, in partnership with MyClimate.

New: neon plus: The smart account with extra accessibility

(2 CHF / month or 20 CHF / year)

Our new plan neon plus will offer smart benefits on top of all the advantages of our neon free plan.

neon plus users will get access to phone support from our customer care team – a popular request – and a warranty extension on electronic devices purchased with the neon card. We added this warranty to offer users more peace of mind and because it is a frequently used feature that supports our commitment to sustainability by extending the lifespan of electronic products.

neon plus users will also have the possibility to use the card worldwide at no extra cost (no exchange rate surcharge), enjoy 2 free ATM withdrawals in Switzerland per month, and benefit from a lower ATM withdrawal fee abroad (1.0% on the withdrawn amount).

neon plus will also offer a new glossy red Debit Mastercard made of recycled plastic. As a neon plus user, you can also always keep your existing card or choose a new neon plus card.

neon plus will be available for existing users from 13 May 2025.

Like all neon users, neon plus users will have the possibility to take the neon green extension on top of their plan for 3 CHF per month and reduce their carbon footprint by planting 1 tree for every 500 CHF spent with their neon Mastercard. The neon duo extension is also still available for all neon plans.

New: neon global: The boundless account with extra protection online & on the go

(8 CHF / month or 80 CHF / year)

Our new plan, neon global, is your perfect companion for when you're on the go. When abroad, you are fully covered by the travel insurance included in your neon global subscription and you benefit from only 0.5% on ATM withdrawals abroad. Also, the cyber and shopping insurances cover your online adventures.

On top, neon global provides all the features of neon free and neon plus, with even more benefits: one additional free ATM withdrawal in Switzerland per month (making it a total of 3 free monthly ATM withdrawals), a new 20% cashback on our (already low) fees for international money transfers via our Wise integration in the neon app, together with the extra protection from the travel insurance, as well as from the shopping and cyber insurances. And, last but not least, electronic devices purchased with your neon card will come with a warranty extension.

neon global will offer a new blackberry Debit Mastercard made of recycled plastic. As a neon global user, you can also always keep your existing card or choose a new neon global card.

neon global will be available for existing users from 13 May 2025.

Like all neon users, neon global users will have the possibility to take the neon green extension on top of their plan for 3 CHF per month and reduce their carbon footprint by planting 1 tree for every 500 CHF spent with their neon Mastercard.

neon metal: The exclusive account for a carefree lifestyle

(15 CHF / month or 150 CHF / year)

Our neon metal plan will keep all its advantages and get enriched with new ones, while its price will stay 15 CHF per month.

neon metal will provide all the characteristics of neon free, neon plus and neon global, together with additional neon metal benefits:

All insurance packages (warranty extension on electronic devices, travel insurance, shopping insurance, cyber insurance and phone protection) will be activated from the day the user is with neon metal, without any need to reach specific spending levels with the neon metal card. And while neon metal users will still enjoy 5 free ATM withdrawals per month in Switzerland and 0% ATM withdrawal fees abroad, they will also gain a new 40% cashback on fees on our (already low fee) international money transfers via our Wise integration in the neon app.

Moreover, neon metal users will have the option to add both the neon green extension and the neon duo extension to their plan. And: Combining neon metal with neon duo will now allow users to apply all neon metal benefits to their neon duo transactions!

All current neon metal users will get access to these additional benefits from 13 May 2025, when the changes will take effect for existing users.

neon green: Tree planting made accessible to everyone

(3 CHF / month)

To broaden our community’s impact, neon green will become an extension that can be added to any neon plan, allowing all users to mitigate their carbon footprint and plant one tree for every 500 CHF spent with their card. Users subscribing to this extension will have the additional option to order the neon green plastic card or our unique wooden card.

All current neon green users will get neon plus as their plan, with a new benefit – a reduced fee on cash withdrawals abroad (1.0% on the withdrawn amount instead of 1.5%) – and a warranty extension on electronic devices bought with their card. Also, they will keep planting trees whenever they spend money with their card. Of course, their tree history will also be kept.

There will be no price change for current neon green users, as the cost of neon plus and neon green combined will still be 5 CHF / month, as it currently is for the neon green account (which combines the tree planting with the extended warranty and further benefits like phone support). All current neon green users will get access to these additional benefits from 13 May 2025, when the changes will take effect for existing users.

neon duo: The joint account for all duos under one roof

(3 CHF / month / person)

neon duo, our fully digital joint account (the first in Switzerland!), will remain accessible for all users regardless of their plan for the same price of 3 CHF per month per person, and it will get enriched with one major addition:

The features of the neon plan will apply to the neon duo account of the same user.

This means for example, that as a neon plus, neon global or neon metal user, the reduced ATM withdrawal fee abroad will also apply to ATM withdrawals made with the user’s neon duo card.

Please note: The plan features only apply to the user’s duo account, not to his/her neon duo partner’s account.

Also, this only applies to neon plans, not to other neon extensions like neon green.

All current neon duo users will get the features of their neon plan applying to their neon duo account from 13 May 2025, when the changes will take effect for existing users.

Compare our new plans

In this table, you can see the main differences between our 4 new plans.

From 13 May 2025 onwards, you will also find it in the app under «Profile» and be able to switch plans in a few clicks.

What's next?

You don’t need to do anything for now. We will remind you a few days before the changes take effect for existing users, starting from 13 May 2025.

Note for new users

From 13 May 2025 to June 2025, new neon users will also get access to the new plans and extensions, one to two days after opening their neon account with our current plans (neon free, neon metal or neon green).