Revolut Switzerland – Review, Test and Complete Analysis (September 2025)
Review of Revolut Switzerland: the neobank that gives you a run for your money! The Revolut Switzerland app used in all situations: advantages... drawbacks... coverage of banking services... pricing... features... strengths and weaknesses... Stop wasting time searching: this review summarizes everything for you! Use our promo link when opening your account to benefit from advantages.
| Offering | 9.1 |
|---|---|
| Security | 8.7 |
| Opening an account | 10 |
| Bank card | 8.6 |
| Features | 9.6 |
| Interest rates | 6 |
| Transfer speed | 9.6 |
| TWINT | 0 |
| Fees | 9.6 |
| Abroad | 10 |
| Cash deposit | 0 |
| Customer service | 9.2 |
Review of Revolut Switzerland: the neobank that gives you a run for your money! The Revolut Switzerland app used in all situations: advantages… drawbacks… coverage of banking services… pricing… features… strengths and weaknesses… Stop wasting time searching: this review summarizes everything for you! Use our promo link when opening your account to benefit from advantages.
Description
Summary of Revolut’s offer in Switzerland
REVOLUT operates with a European banking license. However, it offers Swiss IBAN accounts for free payments via a partnership with Credit Suisse.
Standard 💳 – the account and card
Premium – identical, but boosted performance
CHF 10.99 CHF/month (12-month commitment with automatic renewal)
- Customizable debit card
- International payments (excluding SEPA) -20% discount
- Free worldwide withdrawals up to CHF 400/month
- Priority access to support
Investment:
- 5 commission-free transactions per month
- Cryptocurrency exchange fees up to 0.99%
- Commodities fees 0.49%
Metal – the Superior Level
15.99 CHF/month (tacitly renewable 12-month commitment)
- Customizable metal debit card
- International payments (excluding SEPA) -40% discount
- Free worldwide withdrawals up to CHF 800/month
- Priority access to support
Investment:
- 10 commission-free transactions per month
- Cryptocurrency exchange fees up to 0.99%
- Commodities fees 0.49%
Ultra – the premium offer
CHF 50/month (for 3 months, then CHF 60/month)
- Customizable platinum-plated debit card
- Free worldwide withdrawals up to CHF 2,000/month
- Free international payments (excluding SEPA)
- Support: by phone (English only) 24/7
Investment:
- 10 commission-free transactions per month
- Cryptocurrency exchange fees up to 0.49%
- Commodities fees 0.49%
Security: is REVOLUT Safe?
Revolut does not have a Swiss banking license. Revolut Ltd is registered in England as an electronic money institution.
– Client deposits are not covered by deposit insurance as in Switzerland. However, they are secured in segregated accounts with regulated partner banks.
– Revolut has a European banking license (ECB) and a restricted license in the United Kingdom.
– The generation of virtual cards reduces hacking risks as payment information is ephemeral.
Promo Code
Free account ✔︎
Open a REVOLUT account
Opening an account is easy and takes just a few minutes.
Here are the conditions:
– Be at least 18 years old (Neon 15 years, ZAK 15 years).
– Reside in a country where Revolut is active.
– Have a smartphone.
– No minimum income required, no mandatory deposit at opening.
Yes. Revolut allows creating an account from age 15 for free with the approval of a parent or guardian. From age 6, a parent or guardian can open an account without payment features from their app.
How do I open a Revolut account?
The REVOLUT card
💳 the standard Revolut card IN BRIEF :
- The Mastercard debit card is free (delivery fee of 5.50 CHF)
- Contactless payment
- Mobile payments: compatible with Apple Pay / Google Pay / Samsung Pay / Garmin Pay / Fitbit Pay
- Notification pushs
- Set monthly limits from CHF 500 to CHF 25,000 (default CHF 10,000)
- Cash withdrawal limit: CHF 3,000/day
Promo Code
Free account ✔︎
● To activate contactless, you need to finalize a first payment with the card code.
● Even if it takes a few days for the card to be delivered, you can use it via your smartphone oruse the payment information available in the app to make online purchases.
Can I rent a car?
REVOLUT application: features
The app offers a wide range of functions:
- Complete management of physical and virtual cards: blocking, contactless, etc.
- Creation of sub-accounts or “Pockets” to categorize recurring payments
- Savings projects (non-interest-bearing)
- Detailed expense tracking with limits and alerts
- Payment entry and standing orders
- Commodity and cryptocurrency trading and staking
- Dark mode available
The essential features it lacks for Switzerland:
✘ eBill 🇨🇭
✘ TWINT 🇨🇭
✘ Scanning payment slips (QR invoices) 🇨🇭
✘ Cash deposit
REVOLUT interest rates
No interest on savings.
Transfer speed with REVOLUT – send money
● Instant transfers with “pay a friend” (from Revolut user to Revolut user).
● CHF and SEPA transfers in EUR are credited to the beneficiary’s account within one working day. If you make a transfer after 5 p.m., it will be processed on the next business day and will therefore arrive the following day.
● International transfers are usually credited to the recipient’s account within 3 to 5 working days.
Cash deposit on REVOLUT account
Cash deposit not possible. It is only possible to deposit funds via transfers, credit/debit cards (1.5% fee) or mobile payments (Apple Pay, Google Pay, Samsung Pay).
Promo Code
Free account ✔︎
REVOLUT Twint
REVOLUT does not offer the possibility to use TWINT.
REVOLUT charges: card, foreign exchange, transfers, cash withdrawals, etc.
- Free multi-currency account
- Mastercard Debit Card CHF 5.50 (shipping fee)
- Replacement card CHF 6 + postage
💳 Card payments without transaction fees, no markup on the Mastercard reference rate.
On weekends, a 1% foreign exchange fee applies to Standard customers, while Premium, Metal, and Ultra customers do not pay additional fees.
Deposit of funds via credit/debit card (1.5% fee)
Bank transfers
Switzerland in CHF and EUR: free
Europe (SEPA) in EUR: free
Fees for international transfers (excluding SEPA):
- Standard: CHF 3 (USD) or CHF 5 (other currencies).
- Premium -20% of Standard, Metal: -40%, Ultra: -100%
In comparison, banks often charge a hidden fee of 2-3% in the interbank exchange rate, in addition to transaction costs.
Cash withdrawals in Switzerland and abroad 🇨🇭 🌍
Withdrawals from ATMs worldwide are free of charge up to a limit, plus a 2% fee:
- Standard: up to 5 withdrawals and CHF 200/month
- Premium: CHF 400/month
- Metal CHF 800/month
- Ultra CHF 2000/month
Commodities and crypto trading
Innovative but limited investment options in Switzerland, without equities. YUH is a good alternative if you’re interested in equities.
- Investment in gold, silver, platinum and palladium from CHF 1
- Fees: 0.99% Standard, 0.49% Premium, Metal, Ultra.
- Investments in over 80 cryptocurrencies
- Fees: 1.49% Standard, 0.99%Premium, Metal, 0.49% Ultra.
Revolut on the road and abroad
Revolut offers the most advantageous rate in the market after Alpian.
Interbank exchange rate + 1% fee for amounts over 1,000 CHF/month on weekdays and +1% on weekends for Standard accounts (0% for Premium, Metal, and Ultra accounts).
Payment is automatically withdrawn from the funds available in the currency concerned. If insufficient, the balance is converted from other currencies using the actual interbank rate, starting with the base currency.
Travel insurance and airport lounges
Revolut Premium, Metal and Ultra include international medical insurance, luggage, winter sports and airport lounge discounts. Ultra also includes cancellation insurance and free unlimited access to airport lounges.
📍 We always recommend paying in local currency.
Promo Code
Free account ✔︎
REVOLUT customer service
- Revolut only offers in-app chat
- The callback option is only available for the Ultra offer.
- There is no Swiss version of the website, which makes it difficult to find information.
Cashback at REVOLUT
Revolut offers cashbacks (Rewards) of 1 to 5% on various brands, capped at CHF 300/month, for purchases made via the app.
With the Metal and Ultra plans, you also receive cashback of 0.1% in Switzerland and Europe, and 1% outside Europe, up to a maximum of CHF 13.99/month on purchases from eligible merchants.
Revolut Séjours offers 3% cashback for Standard, 5% for Premium and 10% for Metal and Ultra.
Good reasons to open a REVOLUT account
In addition to having a well-designed and very user-friendly app, Revolut is ideal for those looking for a simple and convenient payment solution for their travels and money transfers abroad. Wise is a competitive alternative to consider as well.
✔︎ As it’s completely free, you can open an additional account with another app. to enjoy the benefits of each and compare banks in practice 👍.
Also read
Alpian vs Revolut – 8 key points comparison (July 2025)
Yuh vs. Revolut – Quick Comparison ⚡️
Yuh vs Revolut
Yuh manages CHF, EUR, and USD in a single app, with a free card and an integrated investment module.
However, it doesn’t provide a personal IBAN in EUR, doesn’t support LSV, and TWINT requires a separate app.
Revolut facilitates foreign currency payments: EUR IBAN, active multi-currency, free withdrawals up to a certain threshold, and a card usable everywhere. On the other hand, it lacks a CH IBAN, TWINT, and any compatibility with Swiss banking tools.
To be preferred if…
- You live in Switzerland and are looking for a simple solution to pay, invest, and manage several common currencies: Yuh (read Yuh review and test)
- You travel often or regularly pay in other currencies beyond Europe: Revolut
To avoid if…
- You need a CH IBAN for your income or expenses in Switzerland
- You use TWINT or direct debits
- You’re looking for a solution compatible with all Swiss banking tools
Neon vs. Revolut – Quick Comparison ⚡️
Neon vs Revolut
Neon offers a free CHF account with a card that has no fees on foreign currency payments and access to investment from the app. But it only manages CHF, without EUR IBAN, without multi-currency account, and without integrated TWINT.
Revolut better covers international usage: EUR IBAN, management of several currencies, multi-currency card, and transfers abroad. But it remains unusable for receiving a Swiss salary, paying QR bills, or using TWINT.
To be preferred if…
- You live in Switzerland and want a simple, free account with quick access to investment: Neon (read Neon review and test)
- You travel frequently or often pay in foreign currencies without wanting to pay fees: Revolut
To avoid if…
- You need a CH IBAN or a link with local banking tools
- You use TWINT, eBill, or LSV daily
- You’re looking for a single app to centralize everything
N26 VS. Revolut – Quick Comparison ⚡️
Revolut takes the lead as soon as you go beyond the euro framework: balance in several currencies, direct exchange rate without margin, fast international transfers, and a card usable in almost all situations. But the absence of CH IBAN, TWINT, or compatibility with Swiss payments (QR, LSV) makes the app difficult to use as a main account in Switzerland.
N26 remains more readable for EUR uses. The personal IBAN is useful for receiving a European salary, the app is smooth, and the whole works well for payments in the SEPA zone. In return, there’s no multi-currency management, no optimization for withdrawals, and no gateway with the Swiss banking ecosystem.
To be preferred if…
- You often travel outside the euro zone or regularly pay in several currencies: Revolut
- You stay in the SEPA zone with mostly EUR usage: N26 (read N26 review and test)
To avoid if…
- You live in Switzerland or need a CH IBAN to receive or pay locally
- You use TWINT, eBill, or direct debits in CHF
- You’re looking for an app compatible with everyday Swiss payments
Promo Code
Free account ✔︎
Revolut vs. Wise – Quick Comparison ⚡️
Wise functions as a clear tool for converting or sending money in foreign currencies. The applied rate is always visible before validation and fees are transparent. There’s no package to manage or monthly threshold to monitor.
Revolut offers more functions around payments. You can store more currencies, send money to more countries, and access additional services if you choose a paid plan. In exchange, you need to follow tier limits and understand the conditions related to certain operations such as withdrawals or conversions on weekends.
For occasional use or focused on currency conversions, Wise remains simpler. For broader use with additional tools around international payments, Revolut is more versatile but requires a bit more monitoring.
Neither Wise nor Revolut allow the use of TWINT or manage classic Swiss banking tools.
To be preferred if…
- you want to convert or send currencies with net fees and without restrictions: Wise (read Wise review and test)
- you’re looking for a comprehensive multi-currency app with extended features: Revolut
To avoid if…
- you’re looking for a solution compatible with Swiss payments
- you want to avoid limits and conditions based on the chosen plan
- you use TWINT or need to receive a salary on a CH IBAN
Promo Code
Free account ✔︎
Online account: a lightning comparison between REVOLUT, NEON and YUH ⚡️
Yuh vs. Neon vs. Revolut
(See reviews on the complete review of Neon and the complete review of Revolut Switzerland.)
 |  |  |  |  | |
| Free bank account | ✔︎ | ✔︎ | ✔︎ | ||
| Individual CH IBAN | ✔︎ | ✔︎ | ✘ | ||
| Free bank card | ✔︎ | ✘ | ✘ | ||
| Withdrawal in Switzerland | ✔︎ | ✔︎ | ✔︎ | ||
| International transfers | ✔︎ | ✔︎ | ✔︎ | ||
| Traveling abroad | ✘ | ✔︎ | ✔︎ | ||
| TWINT | ✔︎ | ✔︎ | ✘ |
Promo Code
Free account ✔︎
Additional information
Specification: Revolut Switzerland – Review, Test and Complete Analysis (September 2025)
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