比较数字银行

Revolut

★ 8.8

LT · LT IBAN

Europe's largest neobank with 50M+ users. Multi-currency (30+), crypto, stock/ETF trading, kids accounts, and premium travel features.

Wise

★ 5.9

GB · GB IBAN

Best for international transfers and freelancers. Real mid-market exchange rates, 50+ currencies, local account details in UK/EU/US, and 15M+ users.

Neon

★ 6.5

CH · CH IBAN

Switzerland's most popular free neobank. Swiss IBAN via Hypothekarbank Lenzburg, no monthly fees, free CHF transfers, and investment features (stocks, ETFs).

Yuh

★ 7.6

CH · CH IBAN

Swiss neobank backed by PostFinance and Swissquote. Banking, 1% savings interest, 13 currencies, crypto and stock investing — all in one free app.

Trade Republic

★ 7.7

DE · DE IBAN

German broker-bank with 3.75% interest on unlimited cash, free stock/ETF/crypto/bond investing from €1, 1% Saveback, and 4M+ users. EU only — not in Switzerland.

Zak - Deine Smartphone-Bank

★ 4.5

CH · CH IBAN

Recent reviews from the last 90 days (assuming today is January 25, 2025): The most recent reviews highlight severe issues with login functionality, persisting for at least two days. Users also criticize the cumbersome account closure process, requiring traditional mail instead of online options. General instability, connection problems, and issues with Ebill are ongoing concerns.

N26

★ 8.1

DE · DE IBAN

German neobank with full EU banking license. Up to 4% savings interest, stocks/ETFs/crypto investing, joint accounts, business cashback, and 24/7 support in 5 languages.

Saxo

★ 4.5

AE · AE IBAN

Recent reviews from the last 90 days: Users generally find the app fast, efficient, and easy to use, with a reassuring and safe feel for investments. However, some have reported poor customer service and a need for mobile app development improvements, including issues with the in-app browser and excessive advertising cluttering the layout. Initial setup can also be cumbersome with repeated push notifications for data updates.

Yuh 14+ - Your App. Your Money.

★ 4.5

CH · CH IBAN

Recent reviews from the last 90 days: Several users report account blocks/freezes without clear reasons or timely resolution, causing significant disruption. Others mention the lack of essential features like real-time balance updates and monthly spending overviews. While some praise the app's ease of use, several express frustration with the lack of investing features (limit orders, real-time quotes) and persistently high trading fees.

Degiro - Online Trading App

★ 4.5

AT · AT IBAN

Recent reviews from the last 90 days: The most significant issue is the app's instability, with frequent crashes, slow loading times, and login problems dominating recent reviews. Users report difficulties with ID verification, accessing accounts, and executing trades. These performance issues are deterring new users and frustrating existing ones, with some considering switching to competitors.

Kaspar&

★ 6.5

CH · CH IBAN

Swiss investment neobank from ETH Zürich & HSG spin-off. Round-up auto-investing, low 0.45% all-in fees, Pillar 3a pension, and investment from 1 CHF.

Zak

★ 7.2

CH · CH IBAN

Free digital bank by Bank Cler. Swiss IBAN, 1.3% savings interest, smart budget pots, Visa card with Apple/Google Pay, and 25 CHF referral bonus.

UBS Key4 - Mobile Banking

★ 4.5

CH · CH IBAN

Recent reviews from the last 90 days: Many users are frustrated with the iOS 16 requirement locking them out of the app, especially those with older but functional iPhones. Several complaints mention frequent errors, slow loading times, and the app crashing during tasks like scanning bills. A recurring request for dark mode and chronological transaction sorting persists.

Alpian - All your finances in one app

★ 4.5

CH · CH IBAN

Recent reviews from the last 90 days: User feedback indicates ongoing issues with basic functionalities like setting up recurring payments and editing recipients. Login issues and slow SWIFT transfers with poor tracking are causing concern. Despite these problems, some users praise the investment advice and ease of use, particularly for wealth management.

radicant

★ 6.7

CH · CH IBAN

Swiss sustainable bank (subsidiary of BLKB). Free account, 0% FX fees, Apple/Google Pay, TWINT, and SDG-aligned impact investing from CHF 1,000.

Yapeal

★ 6.0

CH · CH IBAN

Swiss-licensed neobank with strong compliance focus. Swiss IBAN, business accounts with team management, youth accounts from age 7, and 4% FX savings.

Vivid

★ 8.6

DE · DE IBAN

German neobank with 4% savings interest, up to 4% rotating cashback, free €1,000/mo ATM, crypto trading, and business accounts. Germany only — not in Switzerland.

Yuh - Your App. Your Money.

★ 4.5

AT · AT IBAN

Recent reviews from the last 90 days: Several users report account blocks/freezes without clear reasons or timely resolution, causing significant disruption. Others mention the lack of essential features like real-time balance updates and monthly spending overviews. While some praise the app's ease of use, several express frustration with the lack of investing features (limit orders, real-time quotes) and persistently high trading fees.

Bunq

★ 9.3

NL · NL IBAN

Sustainable Dutch neobank. Up to 4.01% savings interest, multiple IBANs, 22 currencies, joint accounts, and CO2-offset tree planting. EU only — not available in Switzerland.

Yapeal Business - More than e-banking

★ 4.5

CH · CH IBAN

Recent reviews from the last 90 days: Limited data provided makes it difficult to assess sentiment from the last 90 days specifically. However, available reviews show conflicting opinions. While one user expressed complete satisfaction ("Alles Topp"), another reported a serious account issue.