{"id":14747,"date":"2025-01-02T17:00:01","date_gmt":"2025-01-02T16:00:01","guid":{"rendered":"https:\/\/heyneo.ch\/csx-the-company-in-brief\/"},"modified":"2026-02-08T15:47:56","modified_gmt":"2026-02-08T14:47:56","slug":"travel-card-fees","status":"publish","type":"post","link":"https:\/\/heyneo.ch\/en\/news\/travel-card-fees\/","title":{"rendered":"How to pay when traveling? Which card? What pitfalls? Best practices to save on fees in 2026"},"content":{"rendered":"<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"meilleure-carte-pour-voyager-taux-de-change-retirer-aux-distributeurs-suivez-le-guide\"><strong>Best Card for Traveling? Exchange Rates? ATM Withdrawals? Follow the Guide!   <\/strong><\/h2>\n\n<p><strong>While traveling, a simple payment or withdrawal error can cost 10 to 30 CHF in avoidable fees, sometimes more. Unfavorable exchange rates on cards, surcharges on withdrawals, hidden margins&#8230; there are many pitfalls, especially outside the euro zone. <\/strong><\/p>\n\n<p>This article compiles <strong>tips<\/strong> and <strong>the best card combinations for traveling<\/strong>. Objective: pay without getting ripped off and without wasting time comparing everything yourself. <\/p>\n<style>.gspb_container-id-gsbp-1d2df66{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-1d2df66.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-1d2df66.gspb_container{position:relative;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-1d2df66\" id=\"gspb_container-id-gsbp-1d2df66\"><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.updatelight_type{color:#004458;border:2px solid #bce8f1;border-radius:12px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-b533dc6 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-b533dc6\" id=\"gspb_infoBox-id-gsbp-b533dc6\"><div class=\"gs-box updatelight_type \"><div class=\"gs-box-icon\"><\/div><div class=\"gs-box-text\">\n<p><em>Update: %%currentmonth%% %%currentyear%% \u2013 heyneo.ch<\/em><br\/><em>Update \u2013 2026-02-08: credit card referral links<\/em><\/p>\n<\/div><\/div><\/div>\n<\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"pourquoi-ca-coute-parfois-si-cher-de-payer-a-l-etranger\"><strong>Why Does it Sometimes Cost so much to Pay Abroad?<\/strong><\/h2>\n\n<p>What we pay abroad isn&#8217;t just for purchases: <strong>we also pay for how we pay for them<\/strong>. And that changes everything. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"il-y-a-trois-sources-principales-de-frais\"><strong>There are Three Main Sources of Fees:<\/strong><\/h3>\n\n<h3 class=\"wp-block-heading\" id=\"1-le-taux-de-change-applique\"><strong>1. The Applied Exchange Rate<\/strong><\/h3>\n\n<p>Each payment or withdrawal in foreign currency is converted to CHF.<br\/>But <strong>the rate used isn&#8217;t always the market rate<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Banks apply <strong>their own rates<\/strong>, often less favorable (2 to 3% built-in margin).<br\/><\/li>\n\n\n\n<li>Some cards (Revolut, Wise) use the <strong>interbank rate<\/strong>, without margin \u2192 much more advantageous.<br\/><\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"2-les-frais-bancaires-caches-ou-visibles\"><strong>2. Bank Fees (Hidden or Visible)<\/strong><\/h3>\n\n<p>They vary depending on the type of card:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcb3 <a href=\"https:\/\/heyneo.ch\/en\/news\/swiss-credit-card-guide-comparison\/\" type=\"post\" id=\"13185\">Traditional credit cards<\/a>: often <strong>1 to 2.5% fees<\/strong> per payment.<br\/><\/li>\n\n\n\n<li>\ud83d\udcb3 Swiss debit cards: sometimes <strong>fixed fees per transaction<\/strong>, plus a margin on the exchange rate.<br\/><\/li>\n\n\n\n<li>\ud83d\udcb3 Neobank cards (Revolut, Neon, Wise\u2026): often <strong>0 CHF<\/strong> if you stay within the plan limits.<br\/><\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"3-les-frais-locaux-qu-on-ne-voit-pas-toujours\"><strong>3. Local Fees (not Always Visible)<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Foreign ATMs may apply a fixed surcharge.<br\/><\/li>\n\n\n\n<li>Some terminals offer to <strong>pay in CHF<\/strong>. To be avoided (see below). <br\/><\/li>\n\n\n\n<li>Weekend: specific exchange fees with Revolut, Wise, etc.<br\/><\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"paiement-retrait-reservation\"><strong>Payment + Withdrawal + Reservation<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Card payment<\/strong>: limited fees if it&#8217;s a good card.<br\/><\/li>\n\n\n\n<li><strong>Cash withdrawal<\/strong>: often the most expensive item (especially with credit cards).<br\/><\/li>\n\n\n\n<li><strong>Online booking (hotels, flights)<\/strong>: sometimes charged in another currency with fees to expect.<br\/><\/li>\n<\/ul>\n\n<p><strong>What to Remember:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>It&#8217;s not the expenses that are expensive, but the conditions under which we pay for them.<\/li>\n\n\n\n<li>There are several levels of cumulative fees: you need to know the right tools to bypass them.<br\/><\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"quels-moyens-de-paiement-utiliser-en-voyage-et-lesquels-eviter\"><strong>Which Payment Methods to Use while Traveling (and which to Avoid)?<\/strong><\/h2>\n\n<p>This is the mandatory question for every prudent traveler: when preparing for departure, we wonder <strong>which card to take, how much cash to bring, and what to expect on site<\/strong>. Except that between <strong>invisible fees<\/strong>, <strong>hidden limits<\/strong> and <strong>differences depending on countries<\/strong>, not all cards are equal. <\/p>\n\n<p>Here&#8217;s what each solution concretely allows and what it might cost you.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"les-especes-cash\"><strong>Cash<\/strong><\/h3>\n\n<p>Some situations still require you to carry some cash, <strong>even with a good card in your pocket<\/strong>. It&#8217;s no longer the norm everywhere, but it remains essential in several countries. <\/p>\n\n<p><strong>Still necessary in some countries or situations:<\/strong><\/p>\n\n<p><strong>Japan<\/strong>: many small restaurants or accommodations don&#8217;t accept cards.<br\/><strong>Morocco, Egypt, Turkey<\/strong>: common use in taxis, souks, small businesses.<br\/><strong>Latin America<\/strong>: often essential for transport, tolls, markets.<br\/><strong>Southeast Asia<\/strong> (Cambodia, Vietnam, Laos): some places <strong>don&#8217;t have terminals<\/strong> or apply a card surcharge.<br\/><\/p>\n\n<p>\u2718 Exchange is often disadvantageous if withdrawing or exchanging on-site without an optimized card.<br\/>\u2718 In case of theft or loss, no protection, no refund.<br\/><\/p>\n<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.blue_type{color:#31708f;background-color:#d9edf7;border-color:#bcdff1}.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}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:10px;padding-left:10px;}}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg,#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg path{fill:#ffffff !important;}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg:hover,#gspb_infoBox-id-gsbp-e5acf39b-c7d5 svg:hover path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .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-e5acf39b-c7d5 .gs-box{border:0;}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}#gspb_infoBox-id-gsbp-e5acf39b-c7d5 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-e5acf39b-c7d5\" id=\"gspb_infoBox-id-gsbp-e5acf39b-c7d5\"><div class=\"gs-box blue_type \"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Plan for <strong>100 to 200 CHF in local equivalent<\/strong> for the beginning of the stay (transportation, first meals, tips), but avoid converting everything at once.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"les-cartes-de-credit\"><strong>Credit Cards<\/strong><\/h3>\n\n<p>You can perfectly travel without one\u2026 until you&#8217;re asked for a <strong>deposit for the car<\/strong> or a <strong>pre-authorization for the hotel<\/strong>. That&#8217;s when <a href=\"https:\/\/heyneo.ch\/en\/news\/swiss-credit-card-guide-comparison\/\" type=\"post\" id=\"13185\">the credit card becomes indispensable again<\/a>. <\/p>\n\n<p>\u2714\ufe0e Necessary for <strong>car rental, hotel booking, deposit<\/strong> in Anglo-Saxon countries or online.<br\/>\u2718 Very expensive withdrawals (e.g., 3.5% + fixed fee of 5 CHF).<br\/>\u2718 Often less favorable exchange rate (built-in margin).<br\/><\/p>\n\n<p>Keep <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">as a backup<\/mark><\/strong>, but avoid for everyday expenses or withdrawals.<br\/><\/p>\n\n<h3 class=\"wp-block-heading\" id=\"les-cartes-de-debit-suisse-classiques\">Traditional <strong>Swiss debit cards<\/strong><\/h3>\n\n<p>It&#8217;s often the card you already have in your wallet. But <strong>abroad, it rarely becomes a good choice<\/strong>, except as a backup. <\/p>\n\n<p>\u2714\ufe0e Can be useful, especially if activated for international use<br\/>\u2718 Expensive outside Switzerland: fixed fees or % on each transaction, opaque rates<br\/>\u2718 Withdrawals outside CH = double penalty (Swiss fees + local ATM fees)<\/p>\n\n<p>To be <strong>set <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">aside<\/mark> unless urgent<\/strong> (to be used only as an emergency reserve).<br\/><\/p>\n\n<h3 class=\"wp-block-heading\" id=\"les-cartes-des-neo-banques-alpian-revolut-neon-wise-yuh\">Cards from <strong>neobanks (Alpian, Revolut, Neon, Wise, Yuh\u2026)<\/strong><\/h3>\n\n<p>This is <strong>the card to have for smart travel<\/strong>. Quick to open, simple to manage, with no (or almost no) fees if you know how to use it. <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Often fee-free payments abroad.<br\/><\/li>\n\n\n\n<li>Interbank exchange rate (without markup or very low markup).<br\/><\/li>\n\n\n\n<li>Well-designed mobile app, instant blocking, quick support.<br\/><\/li>\n\n\n\n<li>Limited limits in free version (e.g., Revolut Free: 200 CHF\/month for withdrawals).<br\/><\/li>\n\n\n\n<li>Weekend exchange fees (often +0.5 to 1% for Alpian, Revolut, Wise).<br\/><\/li>\n<\/ul>\n<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.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.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}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-6b8555d svg,#gspb_infoBox-id-gsbp-6b8555d svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-6b8555d svg{margin:0px !important;}#gspb_infoBox-id-gsbp-6b8555d .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-6b8555d .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-6b8555d\" id=\"gspb_infoBox-id-gsbp-6b8555d\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 1024 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M71.37 704.133c-51.715 51.707-77.269 181.055-70.219 318.688 138.23 7.117 267.222-18.703 318.73-70.211 80.578-80.559 85.754-187.973 12.621-261.098-73.129-73.117-180.562-67.941-261.132 12.621zM234.636 872.195c-17.172 17.168-60.168 25.773-106.238 23.398-2.348-45.871 6.168-88.984 23.406-106.219 26.855-26.852 62.66-28.578 87.035-4.207 24.375 24.375 22.652 60.176-4.203 87.027zM1010.326 38.594c-2.352-10.926-13.977-22.531-24.902-24.867-64.191-13.727-114.496-13.727-164.586-13.727-206.437 0-330.238 110.406-422.656 256h-208.406c-32.594 0-71.199 23.848-85.777 52.996l-98.844 197.598c-2.917 6.275-4.741 13.593-5.028 21.303l-0.003 0.103c0.009 26.509 21.499 47.995 48.007 48l207.907 0c0.004-0 0.009-0 0.014-0 106.041 0 192.005 85.96 192.013 191.999l0 0.001v208c0.009 26.509 21.499 47.995 48.007 48l0.001 0c7.814-0.298 15.13-2.121 21.76-5.178l-0.354 0.146 197.496-98.813c29.121-14.57 52.949-53.129 52.949-85.687v-208.875c145.176-92.625 256.039-216.813 256.039-422.188 0.187-50.301 0.187-100.602-13.637-164.812zM716.276 544.664c-50.664 32.324-15.012 13.48-198.633 104.418-29.484-63.448-79.351-113.287-141.040-141.991l-1.78-0.744c90.746-183.367 71.793-147.5 104.426-198.906 94.078-148.207 196.234-211.441 341.589-211.441 35.297 0 67.082 0 102.746 4.496 4.609 36.527 4.488 68.937 4.363 102.91-0 144.539-63.305 246.598-211.672 341.258zM736.112 208c-44.178 0.007-79.988 35.821-79.988 80 0 44.183 35.817 80 80 80s80-35.817 80-80v0c-0.022-44.178-35.833-79.984-80.010-80l-0.001-0z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-9bcdc43bef9a9551d9b33d8e1dfecc8c\">This is the core of the solution for traveling: a well-used neobank card can save you 30 to 100 CHF per week.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"les-meilleures-cartes-pour-voyager-en-currentyear-1\">The <strong>Best Cards for Traveling in %%Currentyear%%<\/strong><\/h2>\n\n<p>When traveling, <strong>certain cards<\/strong> help reduce hidden fees: exchange rate margin, payment commission, fixed withdrawal fees, etc. Here is a clear comparison of the most suitable solutions in %%currentyear%%, depending on your usage. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"comparatif-les-cartes-suisses-qui-permettent-d-economiser-les-frais-a-l-etranger\"><strong>Comparison: Swiss Cards that Help save Fees Abroad<\/strong><\/h3>\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Card<\/th><th><br\/><strong>Exchange Fees<\/strong><br\/><\/th><th><br\/><strong>Withdrawals abroad<\/strong><br\/><\/th><th><strong>Travel insurance<\/strong><\/th><th><strong>Ideal for<\/strong><\/th><th><strong>Key points<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Alpian<\/strong><\/td><td>(CHF\/EUR\/USD\/GBP)<br\/>0.2% weekday \/ 0.5% weekend (on Visa rate)<\/td><td>2.5% of the withdrawn amount<\/td><td>\u2718<\/td><td>Europe, USA, UK, multi-currency payments<\/td><td>\u2714\ufe0e Very competitive rates.<br\/>\u2718 Physical card is not free (60 CHF).<br\/>\u2718 Expensive withdrawals outside Switzerland.<\/td><\/tr><tr><td><strong>Revolut Free<\/strong><\/td><td>0% up to 1,250 CHF\/month<\/td><td>200 CHF free\/month<\/td><td>\u2718<\/td><td>Short stays, small budgets<\/td><td>\u2714\ufe0e Interbank rate. <br\/>\u2718 Weekend fees.<\/td><\/tr><tr><td><strong>Revolut Plus<\/strong><\/td><td>0% up to 2,500 CHF\/month<\/td><td>400 CHF free\/month<\/td><td>\u2718<\/td><td>Frequent travel, families<\/td><td>\u2714\ufe0e Doubled limits, very comprehensive app<\/td><\/tr><tr><td><strong>Wise<\/strong><\/td><td>0% (real rate)<\/td><td>2 free\/month, then 1.75%<\/td><td>\u2718<\/td><td>World tour, multi-currency<\/td><td>\u2714\ufe0e Conversion at real rate.<br\/>\u2718 Limited cash.<\/td><\/tr><tr><td><strong>Neon Free<\/strong><\/td><td>~0.4% (Mastercard rate)<\/td><td>2 withdrawals\/month included (outside CH)<\/td><td>\u2718<\/td><td>Europe, occasional use<\/td><td>\u2714\ufe0e Reduced fees.<br\/>\u2718 Exchange rate could be better.<\/td><\/tr><tr><td><strong>Neon Metal<\/strong><\/td><td>~0.4% (Mastercard rate)<\/td><td>Unlimited worldwide withdrawals<\/td><td>\u2714\ufe0e<\/td><td>Regular travels outside Europe<\/td><td>15 CHF\/month, insurance included<\/td><\/tr><tr><td><strong>Yuh<\/strong><\/td><td>~1%<\/td><td>CHF 4.90 \/ withdrawal<\/td><td>\u2718<\/td><td>Occasional payments<\/td><td>\u2714\ufe0e Free card, \u2718 Very expensive cash.<\/td><\/tr><tr><td><strong>CH credit card<\/strong><\/td><td>1.5\u20132.5% + margin<\/td><td>3.5% + fixed fees<\/td><td>\u2714\ufe0e\/\u2718 depending on offer<\/td><td>Deposits (cars, hotels)<\/td><td>Keep only for guarantees<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h4 class=\"wp-block-heading\" id=\"quelle-formule-neon-choisir-selon-ses-besoins\"><strong>Which Neon Plan to Choose According to your Needs?<\/strong><\/h4>\n\n<p>Neon offers several plans, but <strong>not all are relevant abroad<\/strong>. Here&#8217;s a summary based on your usage: <\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Usage profile<\/strong><\/td><td><strong>Recommended plan<\/strong><\/td><td><strong>Why It&#8217;s Suitable<\/strong><\/td><\/tr><tr><td>Holidays in Europe, Simple Payments<\/td><td><strong>Neon Free<\/strong><\/td><td>0% on payments + 2 withdrawals\/month included abroad<\/td><\/tr><tr><td>Local use, withdrawals in Switzerland<\/td><td><strong>Neon Plus<\/strong><\/td><td>Free withdrawals in Switzerland, but not abroad<\/td><\/tr><tr><td>Regular travels outside Europe<\/td><td><strong>Neon Global<\/strong><\/td><td>Insurance package + reduced fees on payments and withdrawals<\/td><\/tr><tr><td>World tour or frequent travels<\/td><td><strong>Neon Metal<\/strong><\/td><td>Only plan with <strong>free withdrawals worldwide<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Only <strong>Neon Free<\/strong> and <strong>Neon Metal<\/strong> are truly optimized for use abroad. The others are suitable for local or mixed use, but quickly become limited once you leave Europe. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"choisir-ses-moyens-de-paiement-selon-son-profil-1\">Choose your Payment Methods According to your Profile<\/h2>\n\n<p>There is no one-size-fits-all solution. But there are simple and effective combinations depending on your situation, to limit travel fees without multiplying accounts or changing banks. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"pour-un-resident-suisse-en-vacances-ue-ou-hors-ue\">For a Swiss Resident on Holiday (EU or Non-EU)<\/h3>\n\n<p>No need to change everything: just add a well-thought-out secondary card for foreign currency payments. The goal is to limit fees while keeping a classic Swiss card for reservations. <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Alpian, Revolut (Free\/Plus) or Wise<\/strong> for all local payments.<\/li>\n\n\n\n<li><strong>Swiss credit card (e.g., Corn\u00e8rcard, Cumulus Mastercard)<\/strong> for deposits.<\/li>\n<\/ul>\n\n<p>The exchange rate offered by <strong>Alpian<\/strong> is <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">more favorable than Revolut free<\/mark> once the 1250 CHF threshold is crossed. with the possibility of holding multiple currencies (CHF\/EUR\/USD\/GBP). Revolut and Wise apply the interbank rate with a slight markup.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"pour-les-frontaliers-suisses-salaire-en-chf-depenses-en-eur\">For Swiss Cross-Border Workers (Salary in CHF, Expenses in EUR)<\/h3>\n\n<p>The need is twofold: to receive a salary in francs, but <a href=\"https:\/\/heyneo.ch\/en\/news\/cross-border-banks-which-to-choose\/\" type=\"post\" id=\"7920\">to avoid conversion fees<\/a> when spending in euros (or other currencies while traveling).<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Yuh<\/strong> for receiving CHF without fees.<\/li>\n\n\n\n<li><strong>Revolut or Wise<\/strong> for converting and spending in EUR.<\/li>\n\n\n\n<li><strong>Free EUR account in France (e.g., Boursorama)<\/strong> for transfers and withdrawals in the eurozone.<\/li>\n<\/ul>\n\n<p>You can receive your salary on Yuh, then transfer it to Wise or Revolut to benefit from the real rate. This avoids cumulative fees on payments or withdrawals in EUR.<br\/>A French account remains convenient for local withdrawals or transfers. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"pour-les-voyage-hors-europe-usd-asie-amerique-latine\">For Travel outside Europe (USD, Asia, Latin America&#8230;)<\/h3>\n\n<p>Banking fees are higher outside the eurozone: unfavorable exchange rates, surcharged withdrawals, hidden margins. It&#8217;s better to have a card designed for this. <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Alpian, Wise or Revolut Plus<\/strong> for payments in local currencies.<\/li>\n\n\n\n<li><strong>Swiss credit card<\/strong> as backup for reservations or unexpected expenses.<\/li>\n<\/ul>\n\n<p><strong>Wise<\/strong> allows you to store local currencies (USD, THB\u2026) and convert them at a good rate. <strong>Alpian<\/strong> allows you to manage multiple currencies (CHF\/EUR\/USD\/GBP) from your Swiss account with an interbank exchange rate marked up by only 0.2% on weekdays (0.5% on weekends). <strong>Revolut<\/strong> Plus allows you to double the limits and avoid extra costs from the first weekend.<br\/>Free withdrawals are often capped, so it&#8217;s better to plan for some cash upon arrival.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"pour-les-voyageur-longue-duree-tour-du-monde\">For Long-Term Travelers \/ World Tour<\/h3>\n\n<p>When you&#8217;re traveling for several months, you need a reliable, flexible solution capable of adapting to all currencies without breaking the bank.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Wise<\/strong> as the main card for payments and conversions in more than 50 currencies.<\/li>\n\n\n\n<li><strong>Visa\/Mastercard credit card<\/strong> for guarantees and unexpected expenses.<\/li>\n\n\n\n<li><strong>Backup Revolut<\/strong> to expand limits or secure a second card.<\/li>\n<\/ul>\n\n<p>Wise allows storing currencies directly (USD, EUR, JPY&#8230;) and avoiding urgent conversions.<br\/>Revolut expands possibilities in case of reaching limits or if you lose a card.<br\/>You can also load some CHF, EUR, and USD before departure to avoid last-minute fees.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"etudiant-ou-petit-budget-1\">Student or Low Budget<\/h3>\n\n<p>The goal is to \u201cavoid bank fees abroad without paying for a subscription or opening multiple accounts\u201d.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Revolut Free or Wise<\/strong> for daily payments.<\/li>\n\n\n\n<li><strong>No need for a credit card<\/strong>, unless booking with a security deposit.<\/li>\n<\/ul>\n\n<p>Revolut Free charges nothing up to CHF 1,250\/month, which is enough for most trips. Wise allows you to store or convert currencies at the real rate, with no monthly fees. It&#8217;s best to avoid Neon or Yuh abroad: they are not very competitive, especially for withdrawals.  <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"pour-la-location-de-voiture-ou-hotel-avec-caution\">For Car Rental or Hotel with Security Deposit<\/h3>\n\n<p>Even if you pay for everything with neobanks, some situations still require a credit card.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Swiss credit card (Corn\u00e8rcard, Swisscard, etc.)<\/strong> for security deposits<\/li>\n<\/ul>\n\n<p>It&#8217;s only for that: neobanks are often refused for deposits. It&#8217;s better to have it on hand, even if you only use it once. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"les-erreurs-classiques-qui-font-grimper-la-facture-et-comment-les-eviter\"><strong>Classic Mistakes that Increase the Bill and how to Avoid Them<\/strong><\/h2>\n<style>#gspb_image-id-gsbp-f3bba85 img{vertical-align:top;}#gspb_image-id-gsbp-f3bba85 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-f3bba85\" id=\"gspb_image-id-gsbp-f3bba85\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/01\/astuces-paiement-en-voyage-et-pieges-a-eviter.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"1280\" height=\"720\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Even with an optimized card, certain habits can increase the bill. Here are the most common mistakes&#8230; and how to avoid them without complicating your life. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"1-choisir-le-paiement-en-chf-au-lieu-de-la-devise-locale\"><strong>1. Choosing to Pay in CHF Instead of the Local Currency<\/strong><\/h3>\n\n<p>The terminal often offers to pay in CHF \u201cto avoid conversion\u201d. <strong>Bad habit<\/strong>.<br\/>\u2714\ufe0e Always choose <strong>the local currency<\/strong> (EUR, USD, THB&#8230;)<br\/>\u2718 Never accept payment in CHF outside of Switzerland<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"2-retirer-dans-le-mauvais-distributeur\"><strong>2. Withdrawing from the Wrong ATM<\/strong><\/h3>\n\n<p>Not all ATMs are equal. Those in tourist areas or managed by private providers often apply hidden fees or a biased rate.<br\/>\u2714\ufe0e Prefer <strong>ATMs of traditional local banks<\/strong><br\/>\u2718 Avoid ATMs of brands like \u201cEuronet\u201d, \u201cTravelex\u201d, etc. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"3-retirer-ou-convertir-le-week-end-avec-revolut\"><strong>3. Withdrawing or Converting on Weekends with Revolut<\/strong><\/h3>\n\n<p>Revolut applies a margin of 0.5% to 2% on conversions made between Friday evening and Sunday evening.<br\/>\u2714\ufe0e Convert currencies during the week if possible<br\/>\u2718 Avoid Revolut for urgent conversions on weekends<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"4-ignorer-les-plafonds-de-gratuite\"><strong>4. Ignoring Free Usage Limits<\/strong><\/h3>\n\n<p>Some cards are fee-free&#8230; but only up to a certain amount. Beyond that, fees apply.<br\/>\u2714\ufe0e Check the <strong>monthly limits<\/strong> (e.g., 1,250 CHF for Revolut Free)<br\/>\u2718 Don&#8217;t assume a card remains free without limits <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"5-ne-pas-avoir-de-vraie-carte-de-credit-pour-les-cautions\"><strong>5. Not Having a Real Credit Card for Deposits<\/strong><\/h3>\n\n<p>Debit cards are often refused for security deposits (cars, hotels).<br\/>\u2714\ufe0e Keep <strong>a Swiss credit card<\/strong> for deposits and unexpected situations<br\/>\u2718 Don&#8217;t rely solely on a direct authorization card<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"ce-qu-il-faut-retenir-pour-optimiser-ses-frais-en-voyage\"><strong>What to Remember to Optimize your Travel Expenses:<\/strong><\/h2>\n\n<ul class=\"wp-block-list\">\n<li>You need at least 2 complementary cards: a neobank card for payments, a credit card for deposits.<\/li>\n\n\n\n<li>Fees don&#8217;t come from the country, but from using the wrong card or at the wrong time.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td><strong>Bad habit<\/strong><\/td><td><strong>Why it&#8217;s expensive<\/strong><\/td><td><strong>What to do<\/strong><\/td><\/tr><tr><td>Paying in CHF abroad (payment terminal).<\/td><td>Inflated exchange rate up to +5%.<\/td><td>Always <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">pay in <strong>local currency<\/strong><\/mark><\/td><\/tr><tr><td>Withdrawing cash with a credit card.<\/td><td>Fixed fees + exchange fees.<\/td><td>Use a <strong>neobank debit card<\/strong> for withdrawals.<\/td><\/tr><tr><td>Using an ATM in an airport or supermarket.<\/td><td>Hidden automatic commissions.<\/td><td>Look for an <strong>ATM of a real local bank<\/strong>.<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Best Card for Traveling? Exchange Rates? ATM Withdrawals? Follow the Guide! While traveling, a simple payment or withdrawal error can cost 10 to 30 CHF in avoidable fees, sometimes more. Unfavorable exchange rates on cards, surcharges on withdrawals, hidden margins&#8230; there are many pitfalls, especially outside the euro zone. This article compiles tips and the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":22160,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"","_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[393],"tags":[],"dealstore":[],"offerexpiration":[],"class_list":["post-14747","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 v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best Card for Traveling? 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