Frequently asked questions

About neon Account Identification Cash neon Mastercard® Payment Invest Investment plan Joint account Spaces Insurances Profile Security Problems

neon wants to bring you the fastest and cheapest account app for your everyday banking, independent of existing banks. With neon, you're completely mobile as you can access your money from anywhere. With an intuitive app and fairer prices. Always confident that your money is safe. Behind the curtain, neon is four founders with a total of over 50 years experience in the banking sector, supported by a strong team with a big vision. They built the app they've been sorely missing.

Freedom. Independence. Mobility. Transparency. Speed. An uncomplicated app, an uncomplicated offer. No CEOs, no large bonuses, no risky business. Just neon and you. Fairer prices. No base fees for your account and card. And no fees for card payments anywhere in the world. The possibilities are endless with neon, because neon grows alongside you. We will offer you more products for retirement or loans, if that's what you need.

Surprisingly little. Your account does not carry a base fee. The card itself costs 20 CHF. How can we offer that, you ask? Well, not being a bank also means we don't have any offices, not many employees and most of all no bonuses. And we're not reinventing the wheel. Instead, we focus on what we do well: an intuitive app and products that make sense. For the rest, we work with selected and respected partners. That way, our costs remain low and our quality high and we pass all of that on to you.

No, because neon is not a bank. The account is managed by Hypothekarbank Lenzburg, which has a banking licence. That, of course, also means that your money is safely protected by deposit insurance (up to CHF 100'000 per personal account including Spaces and per joint account).

It's actually quite simple. Strictly speaking it's not neon that offers you the account. Your account is managed by Hypothekarbank Lenzburg, which has a banking licence. That, of course, means that your money is safely protected by deposit insurance (up to 100'000 CHF per personal account including Spaces and per joint account).

We focus on what we do well: a fast and intuitive app and products that make sense. At the same time we believe your money is safest with a well-established bank that is subject to deposit insurance. That's why we picked Hypothekarbank Lenzburg as our banking partner. By the way: that also means that our costs remain low while offering you high-quality service. We pass these savings directly on to you.

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Do you like neon? Recommend neon and invite your friends.

To do so, go to «Profile» in the app and then tap on «Invite a friend». There you will find your personal referral code, which you can directly share with your friends. They will then have to enter your code during their account opening. And you will see in the app how many friends you have successfully invited to neon. A referral is considered successful when your friend has fully opened their account and transferred at least 1 CHF.

Thanks to neon2neon transfers, you can send money to your friends who also have a neon account at lightning speed. And with your recommendation, you help us continue to grow and change the market for the better. Around 70'000 users have already joined neon through referrals – your trust is our best publicity. And: More users allow us to keep our fees low and to invest more time and money into developing new features.

On January 15, 2024, we introduced a new referral model: The previous referral bonuses of CHF 10 per person have been replaced by a promo mode. Meaning that there will be promos on various topics several times a year. You will be informed by email as soon as a promo is available.

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