{"id":14553,"date":"2025-01-06T08:00:33","date_gmt":"2025-01-06T07:00:33","guid":{"rendered":"https:\/\/heyneo.ch\/bank-for-cross-border-worker-switzerland-the-winning-formula-in-2024\/"},"modified":"2026-02-08T10:52:23","modified_gmt":"2026-02-08T09:52:23","slug":"cross-border-banks-which-to-choose","status":"publish","type":"post","link":"https:\/\/heyneo.ch\/en\/news\/cross-border-banks-which-to-choose\/","title":{"rendered":"Swiss cross-border bank: which one to choose? (May 2026)"},"content":{"rendered":"<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Are you a Swiss cross-border commuter looking for the best bank to manage your finances?  <\/strong><br\/><strong>This article compiles the experience of real cross-border workers who share their tips to guide you in setting up the most effective system in 2025:<\/strong><\/p>\n\n<p>\u2714\ufe0e the most practical solution for everyday use.<br\/>\u2714\ufe0e the most economically advantageous option.<br\/>\u2714\ufe0e the shortest possible time to open an account.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"toucher-son-salaire-suisse-et-vivre-en-france-quelle-banque-est-reellement-adaptee-aux-frontaliers-en-2025\"><strong>Receiving your Swiss salary and living in France: which bank is truly suitable for cross-border workers in 2025?<\/strong><\/h2>\n\n<p>Basically, if you are a cross-border commuter, you need :<\/p>\n<style>#gspb_image-id-gsbp-2cf0ea0 img{vertical-align:top;}#gspb_image-id-gsbp-2cf0ea0 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2cf0ea0{margin-bottom:20px;}#gspb_image-id-gsbp-2cf0ea0 img{width:600px;}#gspb_image-id-gsbp-2cf0ea0,#gspb_image-id-gsbp-2cf0ea0 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-2cf0ea0,#gspb_image-id-gsbp-2cf0ea0 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-2cf0ea0,#gspb_image-id-gsbp-2cf0ea0 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-2cf0ea0,#gspb_image-id-gsbp-2cf0ea0 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2cf0ea0\" id=\"gspb_image-id-gsbp-2cf0ea0\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/12\/Untitled-28.png\" data-src=\"\" alt=\"Banks for Swiss cross-border commuters\" loading=\"lazy\" width=\"600px\" height=\"1582\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>It is essential to have :<\/strong><\/p>\n\n<p>\u2714\ufe0e <strong>A personal bank account with a CH IBAN <a href=\"https:\/\/heyneo.ch\/en\/news\/open-a-bank-account-in-switzerland\/\">(required by employer).<\/a><\/strong><br\/><strong>\u2714 A currency exchange service for your CHF to EUR.<\/strong><br\/><strong>\u2714 A bank account in France in EUR.<\/strong><br\/><strong>\u2714 Payment methods to live your life.<\/strong><\/p>\n\n<p><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">What are the concrete options?<\/mark><\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"les-packs-frontaliers-des-banques-suisses-et-francaises-le-mur-de-la-realite\"><strong>Swiss and French bank &#8220;border packs&#8221;: the wall of reality<\/strong><\/h2>\n\n<p>For cross-border commuters: opening a non-resident account with a traditional Swiss bank and a Swiss IBAN is technically possible with <strong>UBS<\/strong>, <strong>CA Next Bank<\/strong>, <strong>PostFinance<\/strong>, or even <strong>Banque Migros<\/strong>.<\/p>\n\n<p><strong>In practice, this is more complex and, above all, more expensive if you live in France<\/strong>. The same applies to the &#8220;packs frontaliers&#8221; offered by French banks such as Cr\u00e9dit Mutuel or CIC.<br\/>These offers are often : <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>A consumption tunnel generating additional costs.<\/strong><\/li>\n\n\n\n<li><strong>A formula insufficiently adapted to the specific constraints of cross-border commuters:<\/strong> <br\/><em>Unexpected expenses in two countries &#8211; Foreign cards refused for certain types of payment &#8211; Cross-border repayments between friends or colleagues &#8211; Days when you don&#8217;t have the right card with you &#8211; Cash withdrawals on both sides of the border &#8211; Unfavorable exchange rates in online stores depending on the country &#8211; etc.<\/em><\/li>\n<\/ul>\n\n<p>&#8220;<mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">One fee can hide another&#8221;.<\/mark> The : <\/p>\n\n<ul class=\"wp-block-list\">\n<li>opening fee<\/li>\n\n\n\n<li>additional monthly fees (non-residents)<\/li>\n\n\n\n<li>minimum income requirements<\/li>\n\n\n\n<li>international transfer charges<\/li>\n\n\n\n<li>cash withdrawal costs<\/li>\n\n\n\n<li>exchange rates<\/li>\n\n\n\n<li>exchange commission<\/li>\n\n\n\n<li>bank card rates<\/li>\n<\/ul>\n\n<p>This article on <a href=\"https:\/\/heyneo.ch\/en\/news\/non-resident-swiss-bank-account\/\">non-resident accounts<\/a> explains all the features you need to know.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>&#8220;With a salary of around CHF 5,000, that&#8217;s hundreds of euros or more than a thousand euros a year to use.&#8221;<\/em><\/p>\n<cite>Cross-border forum, for heyneo.ch<\/cite><\/blockquote>\n\n<p>Unless you want to pay, these solutions are not advantageous. Because <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">cross-border commuters are not interesting enough for conventional banks<\/mark>: <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>&#8220;The cross-border worker receives a salary, doesn&#8217;t use banking services on the spot, is very sensitive to the exchange rate and repatriates all his money directly to France.&#8221;<\/em><\/p>\n\n\n\n<p><\/p>\n<cite><em>&nbsp;&nbsp;<\/em><a href=\"https:\/\/www.letemps.ch\/economie\/finance\/cassetete-bancaire-frontaliers\">Article \u00e9conomique<\/a> du m\u00e9dia suisse Le Temps<\/cite><\/blockquote>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"les-services-de-change-en-ligne-avec-iban-ch\"><strong>Online foreign exchange services with IBAN CH<\/strong><\/h2>\n\n<p>Cheaper than the previous solution, but not the cheapest (nor, above all, the most practical):<\/p>\n\n<ul class=\"wp-block-list\">\n<li>They do not automatically give access to a personal CH IBAN.<\/li>\n\n\n\n<li>Their exchange rate is not automatically the best on the market.<\/li>\n\n\n\n<li>24 or even 48 hours waiting to receive funds.<\/li>\n\n\n\n<li>You can&#8217;t use them like normal banks on a day-to-day basis.<\/li>\n\n\n\n<li>There is a fee per transaction below a minimum amount.<\/li>\n<\/ul>\n\n<p>This solution is <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">not sufficiently flexible or effective<\/mark>. It clearly requires sacrificing comfort of use throughout the year (for little in return).<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"les-neo-banques-avec-change-la-meilleure-solution-pour-les-frontaliers-en-2025\"><strong>Neo-banks with currency exchange: the best solution for cross-border commuters in 202<\/strong>5<\/h2>\n<style>#gspb_image-id-gsbp-e6d8e7c img{vertical-align:top;}#gspb_image-id-gsbp-e6d8e7c img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-e6d8e7c img{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_image-id-gsbp-e6d8e7c img{width:600px;}#gspb_image-id-gsbp-e6d8e7c,#gspb_image-id-gsbp-e6d8e7c img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-e6d8e7c,#gspb_image-id-gsbp-e6d8e7c img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-e6d8e7c,#gspb_image-id-gsbp-e6d8e7c img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-e6d8e7c,#gspb_image-id-gsbp-e6d8e7c img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-e6d8e7c\" id=\"gspb_image-id-gsbp-e6d8e7c\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/banque-pour-frontaliers-suisse-avec-iban-ch.webp\" data-src=\"\" alt=\"Best bank for Swiss cross-border commuters\" loading=\"lazy\" width=\"600px\" height=\"1024\"><\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>There is one neobank that accepts cross-border commuters \/ non-Swiss residents:<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"yapeal\"><strong>YUH<\/strong><\/h3>\n\n<p><strong>YUH \u2013 free \u2714\ufe0e <\/strong><br\/>&#8211; Bank account with personal CH IBAN<br\/>&#8211; Mastercard Debit card<br\/>&#8211; Accessible to non-residents<br\/>&#8211; TWINT + Swiss bill payments<br\/>&#8211; Multi-currency account<br\/>&#8211; Banking license from Swissquote Bank SA (FINMA approved)<br\/><a href=\"https:\/\/heyneo.ch\/en\/service\/yuh-review\/\">See the review on Yuh in the full review<\/a>.<\/p>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:400px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-2fbbb947d4e580c06623daa7884fff21\" style=\"font-size:22px\"><strong>Yuh Promo Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/IMG_6295-100x100.png\" data-src=\"\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Use the promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">C9QK67<\/mark><\/strong> to <strong>receive 50 CHF in Trading Credit + 250 SWQ <\/strong>(with an initial deposit of CHF 500.-).<br\/><br\/>Free account <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.yuh.com\/en\/download-app\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Receive 500 SWQ<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>YUH + Revolut Premium<\/strong><br\/><strong>The winning combination<\/strong> for <a href=\"https:\/\/forum.welcome-suisse.ch\/t\/quelle-est-la-maniere-la-plus-economique-et-sure-de-transferer-ses-francs-suisse-sur-un-compte-en-euros\/9082\/3320?page=149\">hundreds of cross-border commuters<\/a><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">YUH + Revolut Premium<\/mark><\/strong> which offers maximum savings, unbeatable exchange rates and a plethora of features.<\/p>\n\n<p><strong>Revolut Premium &#8211; 100 EUR \/year \u2714\ufe0e<\/strong><br\/>&#8211; Best exchange rate on the market<br\/>&#8211; Free reloading by card<br\/>&#8211; Virtual, temporary cards<br\/>&#8211; Multi-currency account<\/p>\n\n<p>With a :<\/p>\n\n<p><strong>French online bank to choose from &#8211; free <\/strong>\u2714\ufe0e<br\/>&#8211; BoursoBank, Fortuneo, HelloBank, etc.<br\/>&#8211; Carte bleue<\/p>\n\n<p>Here&#8217;s how it works:<\/p>\n<style>#gspb_image-id-gsbp-e019531 img{vertical-align:top;}#gspb_image-id-gsbp-e019531 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-e019531{margin-bottom:40px;}@media (max-width:575.98px){#gspb_image-id-gsbp-e019531{margin-right:-10px;margin-left:-10px;}}#gspb_image-id-gsbp-e019531 img{width:800px;}#gspb_image-id-gsbp-e019531,#gspb_image-id-gsbp-e019531 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-e019531,#gspb_image-id-gsbp-e019531 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-e019531,#gspb_image-id-gsbp-e019531 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-e019531,#gspb_image-id-gsbp-e019531 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-e019531\" id=\"gspb_image-id-gsbp-e019531\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/Untitled-26-e1724632584403.png\" data-src=\"\" alt=\"Best exchange CHF EUR cross-border bank\" loading=\"lazy\" width=\"800px\" height=\"676\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u25cf <strong>The salary is paid into your free YUH account <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">(with IBAN CH)<\/mark>.<\/strong><\/p>\n\n<p><strong>\u25cf Top up your <a href=\"https:\/\/heyneo.ch\/en\/service\/revolut-review\/\">Revolut<\/a> Premium <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">account with the YUH bank card<\/mark><br\/><\/strong> (0 transfer fees, instant).<\/p>\n\n<p><strong>\u25cf Convert your CHF into EUR <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">(unbeatable interbank rate)<\/mark>.<\/strong><\/p>\n\n<p><strong>\u25cf Transfer the EUR to <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">your French online bank<\/mark>.<\/strong><\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"tableau-comparatif-entre-yuh-seule-et-yuh-revolut\">Comparison table between Yuh alone and Yuh + Revolut<\/h3>\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th><strong>Difference in costs and exchange rates<\/strong><\/th><th><strong>YUH<\/strong><\/th><th><strong>YUH + REVOLUT Premium<\/strong><\/th><\/tr><\/thead><tbody><tr><td>account rate<\/td><td>0.-<\/td><td>100 EUR \/year<\/td><\/tr><tr><td>card<\/td><td>0.-<\/td><td>0.-<\/td><\/tr><tr><td>CHF 1000.00  <\/td><td>1 022,65 \u20ac<\/td><td>1 030,42 \u20ac<\/td><\/tr><tr><td>CHF 2,500.00<\/td><td>2 556,66 \u20ac<\/td><td>2 438,00 \u20ac<\/td><\/tr><tr><td>CHF 4500.00<\/td><td>4 602,03 \u20ac<\/td><td>4 603,47 \u20ac<\/td><\/tr><tr><td>CHF 6,500.00<\/td><td>6 647,38 \u20ac<\/td><td>6 643,74 \u20ac<\/td><\/tr><tr><td>4 CHF withdrawals\/month<\/td><td>0.-<\/td><td>\u2013<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Survey conducted on July 2, 2024, heyneo.ch<\/figcaption><\/figure>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"a-partir-de-quand-l-offre-revolut-premium-a-100-eur-an-est-elle-rentable\"><strong>When does the \u20ac100\/year Revolut Premium offer pay for itself?<\/strong><\/h3>\n\n<p>With YUH alone, you need to change CHF 10,000 to reach the equivalent of EUR 100, paying a commission of 0.95% (EUR\/CHF 0.95). This threshold may vary slightly according to fluctuations in YUH and Revolut rates. <\/p>\n\n<p>Starting from about CHF 833.- per month to exchange into euros, <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\"><a href=\"https:\/\/heyneo.ch\/en\/service\/revolut-review\/\">Revolut Premium<\/a> pays for itself<\/mark>.<\/p>\n<style>#gspb_image-id-gsbp-d43c487 img{vertical-align:top;}#gspb_image-id-gsbp-d43c487 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-d43c487 img{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_image-id-gsbp-d43c487 img{width:600px;}#gspb_image-id-gsbp-d43c487,#gspb_image-id-gsbp-d43c487 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-d43c487,#gspb_image-id-gsbp-d43c487 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-d43c487,#gspb_image-id-gsbp-d43c487 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-d43c487,#gspb_image-id-gsbp-d43c487 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-d43c487\" id=\"gspb_image-id-gsbp-d43c487\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/meilleure-banque-pour-les-frontaliers-suisse.webp\" data-src=\"\" alt=\"Have a free bank account in Switzerland with IBAN CH to receive your salary.\" loading=\"lazy\" width=\"600px\" height=\"1024\"><\/div>\n\n<p><\/p>\n\n<h3 class=\"wp-block-heading\" id=\"vous-pouvez-litteralement-tout-faire-sans-frais-dans-les-deux-pays\"><strong>You can literally <\/strong><strong>do everything free of charge<\/strong> in both countries<\/h3>\n\n<p>Here are the <a href=\"https:\/\/heyneo.ch\/en\/news\/payment-methods-switzerland\/\">common situations<\/a>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Do your shopping in Switzerland after work and avoid the traffic jams on the way home.<\/li>\n\n\n\n<li>Fill up with fuel, buy tobacco on the Swiss side of the border.<\/li>\n\n\n\n<li>Buy your lunch at foodtrucks, etc.<\/li>\n\n\n\n<li>Pay the doctor, your usual medication and <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">your healthcare expenses in Switzerland<\/mark>.<\/li>\n\n\n\n<li><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Pay with TWINT<\/mark> free of charge anywhere in Switzerland (there are few places where TWINT is not accepted).<\/li>\n\n\n\n<li>Pay by card, free of charge, in Switzerland and France.<\/li>\n\n\n\n<li>Pay without fees and <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">without exchange commission<\/mark> in any online store.<br\/><br\/>Don&#8217;t hesitate to leave us a comment below this article to share your experience.<\/li>\n<\/ul>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:400px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-2fbbb947d4e580c06623daa7884fff21\" style=\"font-size:22px\"><strong>Yuh Promo Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/IMG_6295-100x100.png\" data-src=\"\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Use the promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">C9QK67<\/mark><\/strong> to <strong>receive 50 CHF in Trading Credit + 250 SWQ <\/strong>(with an initial deposit of CHF 500.-).<br\/><br\/>Free account <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.yuh.com\/en\/download-app\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Receive 500 SWQ<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you a Swiss cross-border commuter looking for the best bank to manage your finances? This article compiles the experience of real cross-border workers who share their tips to guide you in setting up the most effective system in 2025: \u2714\ufe0e the most practical solution for everyday use.\u2714\ufe0e the most economically advantageous option.\u2714\ufe0e the shortest [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18862,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[393],"tags":[],"dealstore":[],"offerexpiration":[],"class_list":["post-14553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Swiss cross-border bank: which one to choose? 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