Radicant Bank – Reviews, Test, and Comprehensive Review (September 2025) + 50 CHF

Radicant is a subsidiary of BLKB (Basellandschaftliche Kantonalbank), which has held its own Swiss banking license since 2023.
Radicant has positioned itself in the market with a sustainable development offering that meets the needs of customers concerned about the environment and the social impact of their finances.

Account and card 💳

• A free account in CHF and EUR
• Free virtual Visa Debit card by default (sustainability focus)
• Physical card made of recycled plastic on request (10 CHF)
• free payments
• Free Swiss IBAN

The investment

Radicant stands out for its sustainable approach. Committed to the UN’s 17 Sustainable Development Goals (SDGs), Radicant allows you to make sustainable investments in areas such as clean water and sanitation, gender equality, social progress or climate stability.

Radicant also offers 3 sustainable investment funds and 8 thematic certificates aligned with the SDGs.

Discover all of Radicant’s investment solutions in our dedicated review.

Promo Code

Use promo code B99703 to receive up to CHF 200 when you open your account.

Free account ✔︎

Receive up to 200 CHF

Radicant is available in German and English.

Step-by-step guide to opening a YUH account

Their ecological approach is particularly noteworthy: by default, this account is associated with a virtual Visa debit card. But if you prefer recycled plastic, a physical card is available for CHF 10.

💳 the Radicant Visa Debit card at a glance :

• Code-free contactless payment up to CHF 80. Cannot be modified. Beyond that, the code is required.
• Works with Apple Pay / Google Pay
• Push notification available for card payments
• Virtual map
• Free travel insurance if payment is made with the physical card

The application is complete for all situations in Switzerland:

• Monitoring account movements
• eBill 🇨🇭
• Mobile payments: Google Pay, Apple Pay and TWINT
• Standing orders
• Scan Swiss QR invoices 🇨🇭
• Push notifications
• Personal data management
• Tracking carbon footprint by transaction 🌿
• Investments in sustainable assets 🌿

Bank card management

• Temporarily block the card from the application
• Change map limits
• Activate/deactivate contactless and foreign payments
• Set a new PIN code
• View complete card information (number, CVC, etc.)

Investment

For its investment solutions, Radicant focuses on the Sustainable Development Goals (SDGs) rather than traditional ESG criteria. It offers various portfolio constructions adapted to each investor’s individual preferences in terms of impact and risk.

• Prudent: 20% equities
• Conservative: 40% equities
• Balanced: 60% equities
• Dynamic: 80% equities
• Growth: 98% stocks

It is possible to start investing with a minimum of 1000 CHF.

Check out our complete review of Radicant’s investment offer.

As of January 1, 2025:

• Radicant offers an interest rate of 0.10% on savings in CHF.
• The interest rate on savings in EUR is 1.25% up to 250,000 EUR.
• The interest rate for a 3rd pillar 3a account is 0.75%, with no account maintenance fees.

Interestingly, part of the money deposited with Radicant finances sustainable projects via green bonds.

Promo Code

Use promo code B99703 to receive up to CHF 200 when you open your account.

Free account ✔︎

Receive up to 200 CHF

• Swiss transfers from a Radicant account to another Swiss account are fast. In the morning, they arrive the same day; in the afternoon, the next day.
• Weak point, Radicant does not offer an instant transfer option between users like Yuh for example.

• Free bank account (IBAN CH)
• Free virtual Visa Debit card
• Visa Debit physical card 10 CHF
• Replacement card CHF 20

Payments abroad by card

• 0% fee markup worldwide. This makes it one of the best solutions for travelers.

Transfers

• Transfers within Switzerland are free.
• Radicant only allows transfers in CHF and EUR within the SEPA zone.
• Free SEPA transfers in EUR to 36 European countries.

Cash withdrawals

• 12 free withdrawals in CHF per year at all ATMs, then 2 CHF per withdrawal
• 5 CHF per withdrawal in EUR
• Abroad (EUR only): 5.00 CHF per withdrawal + 0.8%

Investments

Check out our complete review of Radicant’s investment offer.

Promo Code

Use promo code B99703 to receive up to CHF 200 when you open your account.

Free account ✔︎

Receive up to 200 CHF

0% fee markup for card payments abroad: no Visa markup, no transaction fees. This makes it a serious competitor in this area, just like Revolut, NEON and Alpian.

An advantageous travel insurance is included free of charge when paying with the Radicant debit card. It covers cancellations, baggage damage, and medical care abroad, among other things. No additional fees or formalities are required.

Cash deposits are not possible. Funds can only be deposited via bank transfer.

Radicant does not offer cashback as such, but “saveback”.

• With over CHF 10,000 in your account and more than CHF 1,000 invested per month, you’ll earn 1% back on your debit card transactions.
• With more than CHF 1,000 in your account and more than CHF 150 invested per month, you’ll receive 0.25% on your debit card transactions.

The cashback is directly invested in your investment portfolio.
It is limited to 2,000 CHF per month and excludes money transfers (for example TWINT, PayPal).

Radicant’s customer service is limited. No livechat, but a chatbot and a surcharged telephone number (CHF 0.08/minute) accessible Monday to Friday, 8am to 5pm. Contact by email is also possible.

The lack of Livechat is a weak point, but Radicant plans to add one to its roadmap.

Should you choose Radicant?

• For eco-responsible people: YES
• For frequent travellers : NO
• For traditional banking services: NO

As far as investment solutions are concerned, Radicant is interesting if you’re looking for both a bank account and a robo-advisor on the same service, but you can’t choose your shares.

Choose Radicant if you’re looking for a sustainable, mobile bank, and if you don’t make frequent transactions abroad.

Promo Code

Use promo code B99703 to receive up to CHF 200 when you open your account.

Free account ✔︎

Receive up to 200 CHF

Neon vs Radicant

Radicant offers a free account in CHF and EUR, a personal CH IBAN, a free virtual Visa card, and a dedicated TWINT application. The essentials are covered for use in Switzerland, but limitations appear when you need non-SEPA transfers, a multi-currency card, or wider coverage for withdrawals abroad.

Neon offers an account only in CHF, without integrated TWINT, but remains simpler for foreign currency payments, with a card suitable for travel and direct access to an investment module without fixed fees.

To be preferred if…

• You want a free account, compatible with TWINT and aligned with Swiss payments: Radicant
• You travel often, pay in foreign currencies, or want to invest occasionally without constraints: Neon (read Neon review and test)

To avoid if…

• You’re looking for active management of multiple currencies besides EUR/CHF
• You need international transfers outside the SEPA zone
• You regularly withdraw cash abroad

Yuh vs Radicant

Yuh combines a multi-currency account in CHF, EUR and USD, a free card usable abroad, and integrated access to investment, all without monthly fees. But it remains more limited on local banking functions: no LSV, no eBill, TWINT available only via a separate app.

Radicant better covers everyday Swiss payments: native TWINT, integrated eBill, QR-bills supported, but without a multi-currency card, with fees on withdrawals outside the CHF zone and no international transfers possible.

To be preferred if…

• you mainly use CHF, with a need for TWINT, eBill and clear management of local payments: Radicant
• you juggle between CHF, EUR, USD or you’re looking for an all-in-one app to pay and invest without fees: Yuh (read Yuh review and test)

To avoid if…

• you need non-SEPA transfers or a truly multi-currency card
• you want to group payments, currencies and investments in a single app (Radicant doesn’t cover everything)
• you want a simple interface without having to use TWINT or eBill separately (Yuh is more segmented)

Radicant vs Zak

Zak is well integrated into the Swiss banking ecosystem. QR-bills, eBill, LSV and native TWINT are available for 100% local use in CHF. But the card remains limited outside Switzerland, no foreign currency is supported, and there is no integrated solution for investing.

Radicant offers a more modern app, integrated TWINT, an account in CHF and EUR, and simplified access to sustainable investment. However, it does not integrate LSV, does not handle non-SEPA transfers and fees on withdrawals abroad are higher.

To be preferred if…

• you want an app compatible with CHF and EUR, with TWINT and easy access to ethical investment: Radicant
• you stay within local CHF usage, needing LSV, a free card and support for classic Swiss services: Zak (read Zak review and test)

To avoid if…

• you travel often or use multiple currencies
• you need transfers outside the SEPA zone
• you’re looking for a stable card abroad with reduced fees

What do you think of Radicant?

• Has the Radicant app made your daily life easier?
• What feature would you like to customize or improve?
• Is Radicant sufficient to meet all your needs?
• Do you combine Radicant with other banks?

Share your feedback with all Neo’s friends 😈