Saving & investing

How much does a Swiss bank account cost?

The short answer: between CHF 0 and about CHF 15 per month. Smartphone banks are free or nearly free; traditional banks charge CHF 5–15 but often waive fees with salary deposits, minimum balances or e-banking-only statements. Non-residents pay substantially more.

Von Leutrim MiftarajGründer von BudgetHub, MSc Innovation Management (FFHS)

The fee checklist

Compare: monthly account fee, debit card fee, foreign payment/FX markup, ATM withdrawals (domestic and abroad), paper statements. The 'free' account with a 1.5–2% FX markup can beat a CHF 10 account only if you never leave the country.

Non-residents and cross-border

Accounts for non-residents often cost CHF 20–40+ per month or require significant balances – a major consideration when moving to or from Switzerland.

Fees are a budget category too

Bank and card fees are classic invisible spending – track them for a quarter and you'll know if switching pays.

Track these costs in your own budget: create your free Swiss budget in BudgetHub – in English, with Swiss categories built in.

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How much does a Swiss bank account cost? · BudgetHub.ch