{"id":19441,"date":"2025-04-10T03:07:32","date_gmt":"2025-04-10T01:07:32","guid":{"rendered":"https:\/\/heyneo.ch\/non-classifiee\/non-resident-swiss-bank-account\/"},"modified":"2026-02-10T09:27:09","modified_gmt":"2026-02-10T08:27:09","slug":"non-resident-swiss-bank-account","status":"publish","type":"post","link":"https:\/\/heyneo.ch\/en\/news\/non-resident-swiss-bank-account\/","title":{"rendered":"Swiss Account for Non-Residents: Solutions for Opening a Bank Account in 2026"},"content":{"rendered":"<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Opening a bank account in Switzerland for non-residents or as a foreigner is necessary for many people <strong>in %%currentyear%%<\/strong>:<\/strong><br\/><strong><br\/><\/strong>\u2192 <strong>to receive a salary in CHF<\/strong> when working from abroad,<br\/>\u2192 to protect part of one&#8217;s savings in Swiss francs,<br\/>\u2192 or simply to access a secure and stable banking solution.<\/p>\n\n<p>But here&#8217;s the thing: <strong>the majority of Swiss banks tend to limit access to non-residents<\/strong>, by requiring a minimum deposit or charging high account management fees:<br\/><br\/>The conditions are unclear.<br\/>The fees are sometimes prohibitive.<br\/>Opening an account takes time.<\/p>\n\n<p><strong>\ud83d\udcdd The purpose of this article:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Understanding <strong>what blocks the opening<\/strong> of an account in Switzerland when living abroad<\/li>\n\n\n\n<li>Presenting the <strong>5 solutions<\/strong> available in  2026<\/li>\n\n\n\n<li>Comparing their <strong>real advantages and limitations<\/strong><\/li>\n\n\n\n<li>Helping to choose according to one&#8217;s profile and <strong>needs<\/strong><\/li>\n\n\n\n<li>And most importantly: <strong>explaining how to easily open an account<\/strong> in Switzerland<\/li>\n<\/ul>\n\n<p>(\ud83d\udea8 Spoiler: only one Swiss bank really checks all the boxes today.)<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div id=\"summary-the-3-main-options\">\t\t<h2 class=\"mt0 mb0\">Summary: the 3 Main Options for Opening a Non-Resident Account in Switzerland<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Summary: The 3 Main Options<\/div>\t<\/div><\/div>\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Account Type<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Personal CH IBAN<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Low fees<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Easy to Open<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Recommended?<\/strong><\/td><\/tr><tr><td><strong>Swiss Neo-bank<\/strong> (e.g., Yuh)<\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><\/tr><tr><td><strong>Traditional bank<\/strong> (UBS, PostFinance&#8230;)<\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><\/tr><tr><td><strong>Multi-currency account<\/strong> (Wise, Revolut)<\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\">As a complement<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div id=\"what-to-understand-before-looking-for-a-bank-in-switzerland\">\t\t<h2 class=\"mt0 mb0\">What You Need to Understand Before Looking for a Bank in Switzerland<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">What to Understand Before Looking for a Bank in Switzerland<\/div>\t<\/div><\/div><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=\"qui-est-considere-comme-non-resident\"><strong>Who is Considered a Non-Resident?<\/strong><\/h3>\n\n<p>Anyone whose <strong>tax domicile is located outside of Switzerland<\/strong>. Whether it&#8217;s a cross-border worker, an expatriate, or a retiree living in the EU, it&#8217;s the declared place of residence that determines whether a Swiss bank applies its &#8220;non-resident&#8221; conditions or not. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"il-y-a-deux-obstacles-bloquants-dans-90-des-cas\"><strong>There are Two Major Obstacles in 90% of Cases<\/strong><\/h3>\n\n<ol class=\"wp-block-list\">\n<li><strong>No Swiss IBAN in one&#8217;s name<\/strong> \u2192 this point alone is enough to <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">cause rejection of a transfer<\/mark> from a Swiss employer.<\/li>\n\n\n\n<li><strong>Remote opening impossible<\/strong> \u2192 the majority of banks require an in-person appointment, sometimes with a substantial initial deposit.<\/li>\n<\/ol>\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=\"pourquoi-autant-de-conditions-aupres-des-banques-suisses\"><strong>Why So Many Conditions with Swiss Banks?<\/strong><\/h3>\n\n<p>It&#8217;s not just a commercial issue. Swiss banks are subject to strict rules on: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Anti-money laundering (compliance)<\/li>\n\n\n\n<li>Automatic exchange of tax information (CRS)<\/li>\n\n\n\n<li>Administrative risks related to remote accounts<\/li>\n<\/ul>\n\n<p>Result: for a bank, a non-resident client often <strong>costs more to manage<\/strong> and involves <strong>more paperwork<\/strong>. This explains the fees: <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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 1024 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M512 16c-273.914 0-496 222.166-496 496 0 273.994 222.086 496 496 496s496-222.006 496-496c0-273.834-222.086-496-496-496zM512 912c-221.064 0-400-178.862-400-400 0-220.99 178.944-400 400-400 220.982 0 400 178.942 400 400 0 221.060-178.862 400-400 400zM512 236c46.392 0 84 37.608 84 84s-37.608 84-84 84-84-37.608-84-84 37.608-84 84-84zM624 744c0 13.254-10.746 24-24 24h-176c-13.254 0-24-10.746-24-24v-48c0-13.254 10.746-24 24-24h24v-128h-24c-13.254 0-24-10.746-24-24v-48c0-13.254 10.746-24 24-24h128c13.254 0 24 10.746 24 24v200h24c13.254 0 24 10.746 24 24v48z\"><\/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><strong>Actual Bank Fees for Non-Residents<\/strong><\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-secondary-background-color has-background\"><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Monthly Fees<\/strong><\/td><td><strong>Conditions<\/strong><\/td><\/tr><tr><td>UBS<\/td><td>CHF 30.\u2013<\/td><td>High deposit, Form A<\/td><\/tr><tr><td>PostFinance<\/td><td>CHF 25.\u2013<\/td><td>Min. balance CHF 25,000.\u2013 <\/td><\/tr><tr><td>Bank Migros<\/td><td>CHF 30.\u2013<\/td><td>Variable conditions<\/td><\/tr><tr><td>BCGE, BCV, ZKB, TKB, &#8230;<\/td><td>From CHF 30.\u2013<\/td><td>Access via <a href=\"https:\/\/www.swisscommunity.org\/fr\/vivre-a-letranger\/prevoyance-et-finances\/banques\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-buttonmain-color\">OSA<\/mark><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\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>These fees are significantly higher than those applied to Swiss residents. And some banks also charge: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Inactivity fees<\/strong> after 12 months without movement (depending on the bank),<\/li>\n\n\n\n<li>A significant <strong>initial deposit<\/strong> at opening (CHF 10,000 to 50,000 depending on the institution).<\/li>\n<\/ul>\n\n<p>This is why the solutions that prevail today for the majority of non-residents are without fixed fees or complex conditions.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"les-banques-a-ecarter-si-on-n-habite-pas-en-suisse\"><strong>Banks to Avoid if You Don&#8217;t Live in Switzerland<\/strong><\/h3>\n\n<p>Some neobanks or &#8220;digital&#8221; offers are appealing, but it&#8217;s impossible to open an account there if you don&#8217;t reside in Switzerland. This is the case for <strong>Zak<\/strong>, <strong>Neon<\/strong>, and <strong>Alpian<\/strong>, for example. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"et-les-comptes-multi-devises\"><strong>What About Multi-Currency Accounts?<\/strong><\/h3>\n\n<p>Multi-currency services <strong>facilitate conversions from CHF to EUR<\/strong>, but:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>they do not provide a personal Swiss IBAN<\/li>\n\n\n\n<li>they do not allow receiving a Swiss salary under good conditions<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div id=\"traditional-swiss-banks\">\t\t<h2 class=\"mt0 mb0\">Opening a Non-Resident Account in Switzerland with a Traditional Bank<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Traditional Swiss banks<\/div>\t<\/div><\/div>\n<p><strong>UBS<\/strong>, <strong>BCGE<\/strong> or <strong>Banque Migros<\/strong>: these institutions theoretically accept non-residents. But in practice, the conditions are often restrictive. <\/p>\n\n<p>You can obtain a Swiss IBAN in your name, but you need to:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>make a physical appointment at a branch,<\/li>\n\n\n\n<li>provide numerous tax and bank documents,<\/li>\n\n\n\n<li>deposit between CHF 10,000 and 50,000 depending on the institution,<\/li>\n\n\n\n<li>pay monthly fees of up to CHF 30.<\/li>\n<\/ul>\n\n<p>This solution can work <strong>only if you have significant capital<\/strong> or a very specific use (assets, real estate in Switzerland, etc.).<\/p>\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=\"documents-non-resident-compte-banque\">Documents Required by Traditional Banks to Open a Non-Resident Account in Switzerland<\/h3>\n\n<p>To <a href=\"https:\/\/heyneo.ch\/en\/news\/open-a-bank-account-in-switzerland\/\">open an account<\/a> in a Swiss bank as a non-resident, here are the documents that are most often requested:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Valid ID<\/strong><\/li>\n\n\n\n<li><strong>Proof of address<\/strong>: recent bill (electricity, internet&#8230;), lease agreement or certificate of residence &lt; 3 months.<\/li>\n\n\n\n<li><strong>Proof of income<\/strong>: Swiss employment contract, pay slip or proof of professional activity.<\/li>\n\n\n\n<li><strong>Proof of source of funds<\/strong>: often covered by income documents, but a bank statement may also be requested.<\/li>\n\n\n\n<li><strong>Tax Form A<\/strong>: required by some banks for regulatory reasons.<\/li>\n\n\n\n<li><strong>Sometimes<\/strong>: bank reference letter or recent bank statements.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>#gspb_row-id-gsbp-52d8e53{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-52d8e53 > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-52d8e53 > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-52d8e53\" id=\"gspb_row-id-gsbp-52d8e53\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-2f2d284.gspb_row__col--24{width:calc(20% - 0px);}@media (max-width:575.98px){#gspb_col-id-gsbp-2f2d284.gspb_row__col--24{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--24 gspb_col-id-gsbp-2f2d284\" id=\"gspb_col-id-gsbp-2f2d284\"><style>#gspb_image-id-gsbp-8a5be57 img{vertical-align:top;}#gspb_image-id-gsbp-8a5be57 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-8a5be57\" id=\"gspb_image-id-gsbp-8a5be57\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/Piede-didentite-valide.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"782\" height=\"498\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-b95734d.gspb_row__col--24{width:calc(20% - 0px);}@media (max-width:575.98px){#gspb_col-id-gsbp-b95734d.gspb_row__col--24{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--24 gspb_col-id-gsbp-b95734d\" id=\"gspb_col-id-gsbp-b95734d\"><style>#gspb_image-id-gsbp-20b88ca img{vertical-align:top;}#gspb_image-id-gsbp-20b88ca 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-20b88ca\" id=\"gspb_image-id-gsbp-20b88ca\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/attestation-de-domicile-titulaire-de-contrat-electricite.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"724\" height=\"1024\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-b0f2122.gspb_row__col--24{width:calc(20% - 0px);}@media (max-width:575.98px){#gspb_col-id-gsbp-b0f2122.gspb_row__col--24{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--24 gspb_col-id-gsbp-b0f2122\" id=\"gspb_col-id-gsbp-b0f2122\"><style>#gspb_image-id-gsbp-dce6dcb img{vertical-align:top;}#gspb_image-id-gsbp-dce6dcb 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-dce6dcb\" id=\"gspb_image-id-gsbp-dce6dcb\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/certificat-de-salaire-justificatif-de-revenus.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"1061\" height=\"1500\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-12b9456.gspb_row__col--24{width:calc(20% - 0px);}@media (max-width:575.98px){#gspb_col-id-gsbp-12b9456.gspb_row__col--24{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--24 gspb_col-id-gsbp-12b9456\" id=\"gspb_col-id-gsbp-12b9456\"><style>#gspb_image-id-gsbp-c1276d9 img{vertical-align:top;}#gspb_image-id-gsbp-c1276d9 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-c1276d9\" id=\"gspb_image-id-gsbp-c1276d9\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/attestation-preuve-origine-des-fonds.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"727\" height=\"1000\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-fd0b198.gspb_row__col--24{width:calc(20% - 0px);}@media (max-width:575.98px){#gspb_col-id-gsbp-fd0b198.gspb_row__col--24{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--24 gspb_col-id-gsbp-fd0b198\" id=\"gspb_col-id-gsbp-fd0b198\"><style>#gspb_image-id-gsbp-1a4089f img{vertical-align:top;}#gspb_image-id-gsbp-1a4089f 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-1a4089f\" id=\"gspb_image-id-gsbp-1a4089f\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/Formulaire-dauto-certification-fiscale-FACTA.png\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"1260\" height=\"1788\"><\/div>\n<\/div>\n <\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>All these documents allow banks to verify your identity, your connection to Switzerland and your financial situation while complying with &#8220;compliance&#8221; regulations.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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}#gspb_infoBox-id-gsbp-7fe6e27 .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-7fe6e27 .gs-box-icon{margin-left:-10px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-7fe6e27 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-7fe6e27 svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-7fe6e27 svg,#gspb_infoBox-id-gsbp-7fe6e27 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-7fe6e27 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-7fe6e27 svg:hover,#gspb_infoBox-id-gsbp-7fe6e27 svg:hover path{fill:#25e8a1 !important;}#gspb_infoBox-id-gsbp-7fe6e27 .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-7fe6e27 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea32b;}#gspb_infoBox-id-gsbp-7fe6e27 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-7fe6e27 .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-7fe6e27\" id=\"gspb_infoBox-id-gsbp-7fe6e27\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg id=\"Calque_2\" style=\"width:5rem;height:5rem;margin:10px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 62.63 93\">\n  <g id=\"Calque_2-2\" dataname=\"Calque_2\">    <g>\n      <path d=\"M31.31,26.97c-8.39,0-15.19,6.44-15.19,14.39s6.8,14.39,15.19,14.39,15.19-6.44,15.19-14.39-6.8-14.39-15.19-14.39ZM31.31,51.96c-6.18,0-11.19-4.74-11.19-10.6s5.01-10.6,11.19-10.6c2.9,0,5.54,1.06,7.53,2.78,1.23.39,2.12,1.43,2.26,2.69.89,1.52,1.4,3.27,1.4,5.13,0,5.85-5.01,10.6-11.19,10.6Z\"><\/path>\n      <path d=\"M41.1,36.24c-.13-1.26-1.03-2.3-2.26-2.69.9.77,1.66,1.68,2.26,2.69Z\"><\/path>\n      <path d=\"M34.42,36.55c0,1.76,1.5,3.18,3.36,3.18s3.36-1.42,3.36-3.18c0-.11-.02-.21-.03-.31-.59-1.01-1.36-1.92-2.26-2.69-.34-.11-.69-.18-1.07-.18-1.85,0-3.36,1.42-3.36,3.18Z\"><\/path>\n      <g>\n        <polygon points=\"6.27 .13 6.89 23.22 25.98 16.48 6.27 .13\"><\/polygon>\n        <polygon points=\"57.28 0 56.65 23.09 37.57 16.34 57.28 0\"><\/polygon>\n      <\/g>\n      <ellipse cx=\"31.31\" cy=\"41.37\" rx=\"18.95\" ry=\"17.96\" style=\"fill:none\"><\/ellipse>\n      <path d=\"M31.31,10.89C9.18,10.89,0,23.82,0,47.13s16.39,45.87,31.31,45.87c16.46,0,31.31-22.56,31.31-45.87S56.78,10.89,31.31,10.89ZM45,76.7c-1,.58-4.57,2.3-7.8,2.86-.54.09-1.21.18-2,.24l-4.78,5.45c-.08.09-.19.15-.31.17-.06,0-.11,0-.17,0-.18-.03-.33-.16-.39-.32l-2.15-6.11c-.13-.04-.26-.07-.4-.11l-5.64,3.58c-.1.07-.23.09-.35.08-.06,0-.11-.02-.17-.05-.16-.08-.27-.24-.28-.41l-.25-6.9c-4.64-3.98-6.39-9.26-5.82-9.66.61-.41,3.39,4.85,10.44,7.98,5.28,2.34,10.4,2.36,12.08,2.31,6.27-.17,11.1-2.4,11.39-1.82.29.58-2.95,2.44-3.41,2.71ZM31.31,59.32c-10.47,0-18.95-8.04-18.95-17.96s8.49-17.96,18.95-17.96,18.95,8.04,18.95,17.96-8.49,17.96-18.95,17.96Z\"><\/path>\n    <\/g>\n  <\/g>\n<\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_text-id-gsbp-bc83462{color:#000000;}.gspb_text-id-gsbp-bc83462{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-bc83462\" class=\"gspb_text gspb_text-id-gsbp-bc83462 \"><strong>The pros:<\/strong><br\/><em>Allows you to have a 100% Swiss account, perfectly accepted everywhere, with a personal CH IBAN and a full range of banking services.<\/em><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-94de2ac{color:#000000;}.gspb_text-id-gsbp-94de2ac{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-94de2ac\" class=\"gspb_text gspb_text-id-gsbp-94de2ac \"><strong>The cons:<\/strong><br\/><em>The opening process is long, expensive and reserved for those who can justify a strong economic connection with Switzerland.<\/em><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div id=\"the-multi-currency-account-with-ch-iban\">\t\t<h2 class=\"mt0 mb0\">Opening a foreign multi-currency account with CH IBAN (Wise, Revolut, N26&#8230;)<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">The multi-currency account (with CH IBAN)<\/div>\t<\/div><\/div>\n<p>Platforms like <a href=\"https:\/\/heyneo.ch\/en\/service\/n26-review\/\">N26<\/a>, <a href=\"https:\/\/heyneo.ch\/en\/service\/wise-review\/\">Wise<\/a> and <a href=\"https:\/\/heyneo.ch\/en\/service\/revolut-review\/\">Revolut<\/a> are ultra-accessible: you can open an account in minutes, without conditions, with excellent exchange rates.<\/p>\n<style>#gspb_row-id-gsbp-06cb31f{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-06cb31f > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-06cb31f > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-06cb31f\" id=\"gspb_row-id-gsbp-06cb31f\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-78a4952.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-78a4952.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-78a4952\" id=\"gspb_col-id-gsbp-78a4952\"><style>#gspb_image-id-gsbp-6ea256d img{vertical-align:top;}#gspb_image-id-gsbp-6ea256d 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-6ea256d\" id=\"gspb_image-id-gsbp-6ea256d\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/10\/WISE-debit-card-Switzerland.png\" data-src=\"\" alt=\"WISE debit card Switzerland\" loading=\"lazy\" width=\"375\" height=\"225\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-2bfb30d.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-2bfb30d.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-2bfb30d\" id=\"gspb_col-id-gsbp-2bfb30d\"><style>#gspb_image-id-gsbp-5fc403e img{vertical-align:top;}#gspb_image-id-gsbp-5fc403e 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-5fc403e\" id=\"gspb_image-id-gsbp-5fc403e\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/n26-Smart-carte-bancaire-Suisse.png\" data-src=\"\" alt=\"n26-Smart-carte-bancaire-Suisse\" loading=\"lazy\" width=\"350\" height=\"221\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-1ff034c.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-1ff034c.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-1ff034c\" id=\"gspb_col-id-gsbp-1ff034c\"><style>#gspb_image-id-gsbp-0baa32c img{vertical-align:top;}#gspb_image-id-gsbp-0baa32c 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-0baa32c\" id=\"gspb_image-id-gsbp-0baa32c\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/Carte-Revolut-Suisse-gros-plan.jpeg\" data-src=\"\" alt=\"Revolut Switzerland card\" loading=\"lazy\" width=\"1641\" height=\"1040\"><\/div>\n<\/div>\n <\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>But beware: Wise <strong>does not provide a personal Swiss IBAN<\/strong>, only foreign IBANs (Belgian or British). Revolut, on the other hand, now offers a Swiss IBAN (starting with CH) through a partnership with PostFinance. This IBAN is useful for receiving local payments in CHF, but it remains <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">shared<\/mark>: transfers must include a specific reference to be correctly credited, with a risk of errors. Some Swiss employers may <strong>refuse to transfer a salary to a non-personal IBAN<\/strong>, which is essential.   <\/p>\n\n<p>However, these services are perfect as a complement to a Swiss account: for transferring, converting and reusing funds at the best rate.<\/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.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}#gspb_infoBox-id-gsbp-225c0d4 .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-225c0d4 .gs-box-icon{margin-left:-10px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-225c0d4 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-225c0d4 svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-225c0d4 svg,#gspb_infoBox-id-gsbp-225c0d4 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-225c0d4 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-225c0d4 svg:hover,#gspb_infoBox-id-gsbp-225c0d4 svg:hover path{fill:#25e8a1 !important;}#gspb_infoBox-id-gsbp-225c0d4 .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-225c0d4 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea32b;}#gspb_infoBox-id-gsbp-225c0d4 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-225c0d4 .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-225c0d4\" id=\"gspb_infoBox-id-gsbp-225c0d4\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg id=\"Calque_2\" style=\"width:5rem;height:5rem;margin:10px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 62.63 93\">\n  <g id=\"Calque_2-2\" dataname=\"Calque_2\">    <g>\n      <path d=\"M31.31,26.97c-8.39,0-15.19,6.44-15.19,14.39s6.8,14.39,15.19,14.39,15.19-6.44,15.19-14.39-6.8-14.39-15.19-14.39ZM31.31,51.96c-6.18,0-11.19-4.74-11.19-10.6s5.01-10.6,11.19-10.6c2.9,0,5.54,1.06,7.53,2.78,1.23.39,2.12,1.43,2.26,2.69.89,1.52,1.4,3.27,1.4,5.13,0,5.85-5.01,10.6-11.19,10.6Z\"><\/path>\n      <path d=\"M41.1,36.24c-.13-1.26-1.03-2.3-2.26-2.69.9.77,1.66,1.68,2.26,2.69Z\"><\/path>\n      <path d=\"M34.42,36.55c0,1.76,1.5,3.18,3.36,3.18s3.36-1.42,3.36-3.18c0-.11-.02-.21-.03-.31-.59-1.01-1.36-1.92-2.26-2.69-.34-.11-.69-.18-1.07-.18-1.85,0-3.36,1.42-3.36,3.18Z\"><\/path>\n      <g>\n        <polygon points=\"6.27 .13 6.89 23.22 25.98 16.48 6.27 .13\"><\/polygon>\n        <polygon points=\"57.28 0 56.65 23.09 37.57 16.34 57.28 0\"><\/polygon>\n      <\/g>\n      <ellipse cx=\"31.31\" cy=\"41.37\" rx=\"18.95\" ry=\"17.96\" style=\"fill:none\"><\/ellipse>\n      <path d=\"M31.31,10.89C9.18,10.89,0,23.82,0,47.13s16.39,45.87,31.31,45.87c16.46,0,31.31-22.56,31.31-45.87S56.78,10.89,31.31,10.89ZM45,76.7c-1,.58-4.57,2.3-7.8,2.86-.54.09-1.21.18-2,.24l-4.78,5.45c-.08.09-.19.15-.31.17-.06,0-.11,0-.17,0-.18-.03-.33-.16-.39-.32l-2.15-6.11c-.13-.04-.26-.07-.4-.11l-5.64,3.58c-.1.07-.23.09-.35.08-.06,0-.11-.02-.17-.05-.16-.08-.27-.24-.28-.41l-.25-6.9c-4.64-3.98-6.39-9.26-5.82-9.66.61-.41,3.39,4.85,10.44,7.98,5.28,2.34,10.4,2.36,12.08,2.31,6.27-.17,11.1-2.4,11.39-1.82.29.58-2.95,2.44-3.41,2.71ZM31.31,59.32c-10.47,0-18.95-8.04-18.95-17.96s8.49-17.96,18.95-17.96,18.95,8.04,18.95,17.96-8.49,17.96-18.95,17.96Z\"><\/path>\n    <\/g>\n  <\/g>\n<\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_text-id-gsbp-1f89381{color:#000000;}.gspb_text-id-gsbp-1f89381{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-1f89381\" class=\"gspb_text gspb_text-id-gsbp-1f89381 \"><strong>The pros:<\/strong><br\/><em>Very easy to open, without fixed fees, ideal for converting or spending CHF once received.<\/em><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-175a51a{color:#000000;}.gspb_text-id-gsbp-175a51a{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-175a51a\" class=\"gspb_text gspb_text-id-gsbp-175a51a \"><strong>The cons:<\/strong><br\/><em>Do not allow receiving a Swiss salary under good conditions, as there is no personal CH IBAN.<\/em><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div id=\"swiss-neo-banks\">\t\t<h2 class=\"mt0 mb0\">Opening an account in Switzerland with a neo-bank open to non-residents<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Swiss neo-banks<\/div>\t<\/div><\/div>\n<p>Among all the solutions analyzed, Swiss neobanks are the only ones that allow a truly simple remote account opening.<\/p>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1747841532041\"><strong class=\"schema-faq-question\">Which Bank Accepts Non-Residents?<\/strong> <p class=\"schema-faq-answer\">An online bank <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">accepts non-residents<\/mark> with a nominative Swiss IBAN: Yuh.<\/p> <\/div> <\/div>\n\n<h3 class=\"wp-block-heading\" id=\"yuh-la-solution-bancaire-la-plus-complete-accessible-aux-non-residents\"><strong>Yuh \u2013 the most comprehensive banking solution, accessible<\/strong> to non-residents<\/h3>\n<style>#gspb_image-id-gsbp-5692b59{text-align:center;}#gspb_image-id-gsbp-5692b59 img{vertical-align:top;}#gspb_image-id-gsbp-5692b59 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-5692b59 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-5692b59 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-5692b59 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-5692b59 img{width:auto;}}#gspb_image-id-gsbp-5692b59,#gspb_image-id-gsbp-5692b59 img{height:100px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-5692b59\" id=\"gspb_image-id-gsbp-5692b59\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/01\/yuh-logo.webp\" data-src=\"\" alt=\"Yuh logo\" loading=\"lazy\" width=\"150\" height=\"100\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>The neobank Yuh (<a href=\"https:\/\/heyneo.ch\/en\/service\/yuh-review\/\">read full review<\/a>) is one of the few Swiss banking solutions open to non-residents that combines accessibility, reliability, and modern features:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Personal CH IBAN<\/li>\n\n\n\n<li>100% online opening (mobile)<\/li>\n\n\n\n<li>No minimum deposit required<\/li>\n\n\n\n<li>No monthly fees<\/li>\n\n\n\n<li>Free debit card<\/li>\n\n\n\n<li>Access to investments (ETFs, stocks, cryptocurrencies) from CHF 25.\u2013<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>#gspb_image-id-gsbp-60c5edc{text-align:center;}#gspb_image-id-gsbp-60c5edc img{vertical-align:top;}#gspb_image-id-gsbp-60c5edc img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-60c5edc img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-60c5edc img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-60c5edc img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-60c5edc img{width:auto;}}#gspb_image-id-gsbp-60c5edc,#gspb_image-id-gsbp-60c5edc img{height:150px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-60c5edc\" id=\"gspb_image-id-gsbp-60c5edc\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/yuh_card-e1696885198192.png\" data-src=\"\" alt=\"Yuh bank card mastercard\" loading=\"lazy\" width=\"707\" height=\"150\"><\/div>\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=\"qui-peut-ouvrir-un-compte-chez-yuh\"><strong>Who can open an account with Yuh?<\/strong><\/h4>\n\n<p>Requirements:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Be at least 18 years old.<\/li>\n\n\n\n<li>Reside in Switzerland or in one of these countries: Germany \ud83c\udde9\ud83c\uddea, Austria \ud83c\udde6\ud83c\uddf9, France \ud83c\uddeb\ud83c\uddf7, Italy \ud83c\uddee\ud83c\uddf9, Liechtenstein \ud83c\uddf1\ud83c\uddee.<\/li>\n\n\n\n<li>Have a smartphone compatible with the Yuh app.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>No additional requirements:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>No proof of income<\/li>\n\n\n\n<li>No minimum deposit<\/li>\n\n\n\n<li>No Swiss address<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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}#gspb_infoBox-id-gsbp-0a5ff31 .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-0a5ff31 .gs-box-icon{margin-left:-10px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-0a5ff31 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-0a5ff31 svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-0a5ff31 svg,#gspb_infoBox-id-gsbp-0a5ff31 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-0a5ff31 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-0a5ff31 svg:hover,#gspb_infoBox-id-gsbp-0a5ff31 svg:hover path{fill:#25e8a1 !important;}#gspb_infoBox-id-gsbp-0a5ff31 .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-0a5ff31 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea32b;}#gspb_infoBox-id-gsbp-0a5ff31 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-0a5ff31 .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-0a5ff31\" id=\"gspb_infoBox-id-gsbp-0a5ff31\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg id=\"Calque_2\" style=\"width:5rem;height:5rem;margin:10px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 62.63 93\">\n  <g id=\"Calque_2-2\" dataname=\"Calque_2\">    <g>\n      <path d=\"M31.31,26.97c-8.39,0-15.19,6.44-15.19,14.39s6.8,14.39,15.19,14.39,15.19-6.44,15.19-14.39-6.8-14.39-15.19-14.39ZM31.31,51.96c-6.18,0-11.19-4.74-11.19-10.6s5.01-10.6,11.19-10.6c2.9,0,5.54,1.06,7.53,2.78,1.23.39,2.12,1.43,2.26,2.69.89,1.52,1.4,3.27,1.4,5.13,0,5.85-5.01,10.6-11.19,10.6Z\"><\/path>\n      <path d=\"M41.1,36.24c-.13-1.26-1.03-2.3-2.26-2.69.9.77,1.66,1.68,2.26,2.69Z\"><\/path>\n      <path d=\"M34.42,36.55c0,1.76,1.5,3.18,3.36,3.18s3.36-1.42,3.36-3.18c0-.11-.02-.21-.03-.31-.59-1.01-1.36-1.92-2.26-2.69-.34-.11-.69-.18-1.07-.18-1.85,0-3.36,1.42-3.36,3.18Z\"><\/path>\n      <g>\n        <polygon points=\"6.27 .13 6.89 23.22 25.98 16.48 6.27 .13\"><\/polygon>\n        <polygon points=\"57.28 0 56.65 23.09 37.57 16.34 57.28 0\"><\/polygon>\n      <\/g>\n      <ellipse cx=\"31.31\" cy=\"41.37\" rx=\"18.95\" ry=\"17.96\" style=\"fill:none\"><\/ellipse>\n      <path d=\"M31.31,10.89C9.18,10.89,0,23.82,0,47.13s16.39,45.87,31.31,45.87c16.46,0,31.31-22.56,31.31-45.87S56.78,10.89,31.31,10.89ZM45,76.7c-1,.58-4.57,2.3-7.8,2.86-.54.09-1.21.18-2,.24l-4.78,5.45c-.08.09-.19.15-.31.17-.06,0-.11,0-.17,0-.18-.03-.33-.16-.39-.32l-2.15-6.11c-.13-.04-.26-.07-.4-.11l-5.64,3.58c-.1.07-.23.09-.35.08-.06,0-.11-.02-.17-.05-.16-.08-.27-.24-.28-.41l-.25-6.9c-4.64-3.98-6.39-9.26-5.82-9.66.61-.41,3.39,4.85,10.44,7.98,5.28,2.34,10.4,2.36,12.08,2.31,6.27-.17,11.1-2.4,11.39-1.82.29.58-2.95,2.44-3.41,2.71ZM31.31,59.32c-10.47,0-18.95-8.04-18.95-17.96s8.49-17.96,18.95-17.96,18.95,8.04,18.95,17.96-8.49,17.96-18.95,17.96Z\"><\/path>\n    <\/g>\n  <\/g>\n<\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_text-id-gsbp-2573d00{color:#000000;}.gspb_text-id-gsbp-2573d00{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-2573d00\" class=\"gspb_text gspb_text-id-gsbp-2573d00 \"><strong>Pros:<\/strong><br\/><em>Yuh allows you to open a Swiss account remotely, without fees or restrictive conditions, with a personal CH IBAN and access to investment.<\/em><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-654b3c9{color:#000000;}.gspb_text-id-gsbp-654b3c9{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-654b3c9\" class=\"gspb_text gspb_text-id-gsbp-654b3c9 \"><strong>Cons:<\/strong><br\/><em>No dedicated advisor. The offer remains designed for simple personal use, even if it tends to expand month by month. <\/em><\/div>\n<\/div><\/div><\/div>\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<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div id=\"border-banks-french-german-italian\">\t\t<h2 class=\"mt0 mb0\">Opening a non-resident account with a Swiss IBAN at a border bank (French, German, Austrian, Italian)<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Border banks (French, German, Italian)<\/div>\t<\/div><\/div>\n<p>When living near Switzerland, one might be tempted to open an account with a bank in their bordering country. This is an option that can be considered, especially if one wishes to: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>keep their finances grouped in their country of residence<\/strong>,<\/li>\n\n\n\n<li><strong>avoid opening an additional account in Switzerland<\/strong>,<\/li>\n\n\n\n<li><strong>or benefit from familiar banking services<\/strong> (local advisor, known interface, etc.).<\/li>\n<\/ul>\n\n<p>Banks such as <strong>BNP Paribas<\/strong>, <strong>Cr\u00e9dit Mutuel<\/strong> or <strong>Sparkasse<\/strong> offer standard accounts with a local IBAN (FR, DE, IT), some with services for cross-border workers.<\/p>\n<style>#gspb_row-id-gsbp-2fbb86d{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-2fbb86d > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-2fbb86d > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-2fbb86d\" id=\"gspb_row-id-gsbp-2fbb86d\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-2e6322e.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-2e6322e.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-2e6322e\" id=\"gspb_col-id-gsbp-2e6322e\"><style>#gspb_image-id-gsbp-d6afc6b img{vertical-align:top;}#gspb_image-id-gsbp-d6afc6b 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-d6afc6b\" id=\"gspb_image-id-gsbp-d6afc6b\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/BNP_Paribas_2009.svg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"697\" height=\"144\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-c7223bc.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-c7223bc.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-c7223bc\" id=\"gspb_col-id-gsbp-c7223bc\"><style>#gspb_image-id-gsbp-a0947a9 img{vertical-align:top;}#gspb_image-id-gsbp-a0947a9 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-a0947a9\" id=\"gspb_image-id-gsbp-a0947a9\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/Credit-Mutuel-logo.png\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"960\" height=\"128\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-36a6c70.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-36a6c70.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-36a6c70\" id=\"gspb_col-id-gsbp-36a6c70\"><style>#gspb_image-id-gsbp-21c2ebd img{vertical-align:top;}#gspb_image-id-gsbp-21c2ebd 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-21c2ebd\" id=\"gspb_image-id-gsbp-21c2ebd\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/Sparkasse-Logo--e1744235744849.jpg\" data-src=\"\" alt=\"Sparkasse-Logo-\" loading=\"lazy\" width=\"1920\" height=\"608\"><\/div>\n<\/div>\n <\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>However, these solutions can generate additional fees: commissions on incoming transfers in CHF, uncompetitive exchange rates, or fixed monthly fees if the account is rarely used.<\/p>\n\n<p>But these accounts quickly reach their <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">limits<\/mark> when it comes to receiving a salary or using Swiss services:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>You don&#8217;t get a Swiss IBAN<\/strong>, which can be a problem for an employer.<\/li>\n\n\n\n<li><strong>International transfers can incur fees or delays<\/strong>, even with SEPA.<\/li>\n\n\n\n<li><strong>No access to Swiss banking services<\/strong> such as TWINT or eBill.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>In some cases, this type of solution may be sufficient, especially when the bank offers a dedicated service for cross-border workers.<br\/>This is the case with <strong>Cr\u00e9dit Mutuel<\/strong>, which allows you to receive a salary in CHF directly into an account in France, without a Swiss IBAN, but with adapted services (CHF account, guaranteed exchange rate, CHF deposit\/withdrawal in branch).<br\/>However, other banks like BNP Paribas or Sparkasse <strong>do not offer a concrete equivalent<\/strong>.<br\/>In these cases, these accounts mainly serve <strong>as a complement<\/strong>, to convert or repatriate funds once the salary is received elsewhere.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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}#gspb_infoBox-id-gsbp-16a925f .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-16a925f .gs-box-icon{margin-left:-10px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-16a925f .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-16a925f svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-16a925f svg,#gspb_infoBox-id-gsbp-16a925f svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-16a925f svg{margin:0px !important;}#gspb_infoBox-id-gsbp-16a925f svg:hover,#gspb_infoBox-id-gsbp-16a925f svg:hover path{fill:#25e8a1 !important;}#gspb_infoBox-id-gsbp-16a925f 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d=\"M31.31,10.89C9.18,10.89,0,23.82,0,47.13s16.39,45.87,31.31,45.87c16.46,0,31.31-22.56,31.31-45.87S56.78,10.89,31.31,10.89ZM45,76.7c-1,.58-4.57,2.3-7.8,2.86-.54.09-1.21.18-2,.24l-4.78,5.45c-.08.09-.19.15-.31.17-.06,0-.11,0-.17,0-.18-.03-.33-.16-.39-.32l-2.15-6.11c-.13-.04-.26-.07-.4-.11l-5.64,3.58c-.1.07-.23.09-.35.08-.06,0-.11-.02-.17-.05-.16-.08-.27-.24-.28-.41l-.25-6.9c-4.64-3.98-6.39-9.26-5.82-9.66.61-.41,3.39,4.85,10.44,7.98,5.28,2.34,10.4,2.36,12.08,2.31,6.27-.17,11.1-2.4,11.39-1.82.29.58-2.95,2.44-3.41,2.71ZM31.31,59.32c-10.47,0-18.95-8.04-18.95-17.96s8.49-17.96,18.95-17.96,18.95,8.04,18.95,17.96-8.49,17.96-18.95,17.96Z\"><\/path>\n    <\/g>\n  <\/g>\n<\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_text-id-gsbp-298a642{color:#000000;}.gspb_text-id-gsbp-298a642{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-298a642\" class=\"gspb_text gspb_text-id-gsbp-298a642 \"><strong>Pros:<\/strong><br\/><em>Stable solution if you live on the border, with direct access to a local banking network and a familiar environment.<\/em><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-286af5d{color:#000000;}.gspb_text-id-gsbp-286af5d{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-286af5d\" class=\"gspb_text gspb_text-id-gsbp-286af5d \"><strong>Cons:<\/strong><br\/><em>Rigid and costly solution for managing finances related to Switzerland: cumulative fees, limited services, and little flexibility in daily operations.<\/em><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div id=\"combo-local-bank-plus-exchange-service\">\t\t<h2 class=\"mt0 mb0\">The Combo: Local Bank Account + Swiss Exchange Service<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Combo (local bank + exchange service)<\/div>\t<\/div><\/div>\n<p>Last possible option: combining a classic bank account (in France, Germany or Italy) with a <strong>Swiss-based exchange service<\/strong>, such as <strong>b-sharpe<\/strong> or the <strong>Migros exchange<\/strong> service.<\/p>\n\n<p>The idea is to have your Swiss salary transferred to an IBAN provided by the exchange service (usually a CH IBAN), which converts the CHF at the best rate, then transfers it to the main account in the euro zone.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"a-quoi-ca-sert\"><strong>What is it for?<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>To reduce conversion fees (often much more competitive than a traditional bank)<\/li>\n\n\n\n<li>To receive a Swiss salary <strong>even without a Swiss bank account<\/strong><\/li>\n\n\n\n<li>To optimize CHF \u2192 EUR transfers if you don&#8217;t want to open an account in Switzerland<\/li>\n<\/ul>\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=\"mais-cette-solution-n-est-pas-sans-limites\"><strong>But this solution is not without limitations&#8230;<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>The Swiss IBAN provided is <strong>not in your name<\/strong>: it belongs to the exchange service, even if the transfer is identified in your name.<\/li>\n\n\n\n<li>Some employers <strong>refuse this type of IBAN<\/strong>, as it doesn&#8217;t always meet their compliance criteria.<\/li>\n\n\n\n<li>No access to Swiss banking services (no card, no payment, no investment)<\/li>\n<\/ul>\n\n<p>So it&#8217;s a <strong>workaround<\/strong> solution, useful as a supplement if the employer accepts it. But it doesn&#8217;t replace a real Swiss bank account. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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}#gspb_infoBox-id-gsbp-afff151 .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-afff151 .gs-box-icon{margin-left:-10px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-afff151 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-afff151 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rx=\"18.95\" ry=\"17.96\" style=\"fill:none\"><\/ellipse>\n      <path d=\"M31.31,10.89C9.18,10.89,0,23.82,0,47.13s16.39,45.87,31.31,45.87c16.46,0,31.31-22.56,31.31-45.87S56.78,10.89,31.31,10.89ZM45,76.7c-1,.58-4.57,2.3-7.8,2.86-.54.09-1.21.18-2,.24l-4.78,5.45c-.08.09-.19.15-.31.17-.06,0-.11,0-.17,0-.18-.03-.33-.16-.39-.32l-2.15-6.11c-.13-.04-.26-.07-.4-.11l-5.64,3.58c-.1.07-.23.09-.35.08-.06,0-.11-.02-.17-.05-.16-.08-.27-.24-.28-.41l-.25-6.9c-4.64-3.98-6.39-9.26-5.82-9.66.61-.41,3.39,4.85,10.44,7.98,5.28,2.34,10.4,2.36,12.08,2.31,6.27-.17,11.1-2.4,11.39-1.82.29.58-2.95,2.44-3.41,2.71ZM31.31,59.32c-10.47,0-18.95-8.04-18.95-17.96s8.49-17.96,18.95-17.96,18.95,8.04,18.95,17.96-8.49,17.96-18.95,17.96Z\"><\/path>\n    <\/g>\n  <\/g>\n<\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_text-id-gsbp-967ed90{color:#000000;}.gspb_text-id-gsbp-967ed90{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-967ed90\" class=\"gspb_text gspb_text-id-gsbp-967ed90 \"><strong>Pros:<\/strong><br\/><em>Allows you to receive a Swiss salary and convert CHF at the best rate, without opening an account in Switzerland.<\/em><\/div>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-e2dc253{color:#000000;}.gspb_text-id-gsbp-e2dc253{padding-left:30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-e2dc253\" class=\"gspb_text gspb_text-id-gsbp-e2dc253 \"><strong>Cons:<\/strong><br\/><em>No card, no banking interface, no personal IBAN: depends entirely on the employer&#8217;s acceptance of the service.<\/em><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div id=\"the-right-choice-according-to-your-profile\">\t\t<h2 class=\"mt0 mb0\">How to choose the right Swiss account option according to your profile?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">The right choice according to your profile<\/div>\t<\/div><\/div>\n<p>Which solution to choose to <a href=\"https:\/\/heyneo.ch\/en\/news\/open-a-bank-account-in-switzerland\/\">open an account in Switzerland<\/a> among the 5 possible options?<br\/>Here are the concrete scenarios to consider:<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"si-vous-travaillez-en-suisse-tout-en-vivant-a-l-etranger-frontalier-teletravail-resident-ue\">If you <strong>work in Switzerland while living abroad (cross-border worker, teleworking, EU resident)<\/strong><\/h3>\n\n<p>In this case, <strong>the employer usually requires a Swiss IBAN in your name<\/strong>.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Not possible with Wise, Revolut or a simple French account.<\/li>\n\n\n\n<li>Some exchange services may work, but it&#8217;s risky (non-personal IBAN).<\/li>\n<\/ul>\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> The simplest and most functional option: <strong><a href=\"https:\/\/heyneo.ch\/en\/service\/yuh-review\/\">Yuh<\/a><\/strong>.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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=\"M512 16c-273.914 0-496 222.166-496 496 0 273.994 222.086 496 496 496s496-222.006 496-496c0-273.834-222.086-496-496-496zM512 912c-221.064 0-400-178.862-400-400 0-220.99 178.944-400 400-400 220.982 0 400 178.942 400 400 0 221.060-178.862 400-400 400zM512 236c46.392 0 84 37.608 84 84s-37.608 84-84 84-84-37.608-84-84 37.608-84 84-84zM624 744c0 13.254-10.746 24-24 24h-176c-13.254 0-24-10.746-24-24v-48c0-13.254 10.746-24 24-24h24v-128h-24c-13.254 0-24-10.746-24-24v-48c0-13.254 10.746-24 24-24h128c13.254 0 24 10.746 24 24v200h24c13.254 0 24 10.746 24 24v48z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-3abddd171e17230915159eb0539d7e37\">Once the salary is received, it&#8217;s possible to transfer CHF to Wise or Revolut to convert at the best rate, then fund a main account in EUR.<\/p>\n<\/div><\/div><\/div>\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-cbd68a4 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:10px;padding-left:10px;}}#gspb_infoBox-id-gsbp-cbd68a4 svg,#gspb_infoBox-id-gsbp-cbd68a4 svg path{fill:#ffffff !important;}#gspb_infoBox-id-gsbp-cbd68a4 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-cbd68a4 svg:hover,#gspb_infoBox-id-gsbp-cbd68a4 svg:hover path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-cbd68a4 .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-cbd68a4 .gs-box{border:0;}#gspb_infoBox-id-gsbp-cbd68a4 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}#gspb_infoBox-id-gsbp-cbd68a4 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-cbd68a4\" id=\"gspb_infoBox-id-gsbp-cbd68a4\"><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>There is <strong>an <a href=\"https:\/\/heyneo.ch\/en\/news\/cross-border-banks-which-to-choose\/\" type=\"post\" id=\"7920\">optimized system for cross-border commuters<\/a><\/strong>. It offers extremely favorable conditions to repatriate your Swiss salary and have efficient payment methods on both sides of the border.<\/p>\n<\/div><\/div><\/div>\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<h3 class=\"wp-block-heading\" id=\"si-vous-etes-expatrie-retraite-ou-investisseur-base-a-l-etranger\">If you are <strong>an expatriate, retiree, or investor based abroad<\/strong><\/h3>\n\n<p>You don&#8217;t work in Switzerland, but you want to <strong>keep or manage funds in CHF from abroad<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>CHF savings or current account<\/li>\n\n\n\n<li>Stock market or crypto investments<\/li>\n\n\n\n<li>Swiss inheritance or pension<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> In this case too, <strong>Yuh emerges as the simplest solution<\/strong>: remote opening, personal CH IBAN, access to ETFs\/cryptos without restriction.<\/p>\n\n<p>Other solutions (traditional or cross-border banks) are only useful <strong>if you have significant assets<\/strong> or need a dedicated advisor.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div id=\"how-to-open-your-account-in-switzerland\">\t\t<h2 class=\"mt0 mb0\">How to Open a Swiss Bank Account for Non-Residents from Abroad?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">How to open your account in Switzerland?<\/div>\t<\/div><\/div><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=\"ouvrir-un-compte-chez-yuh-procedure-100-mobile\">Open an account with Yuh (100% mobile procedure)<\/h3>\n\n<p>Yuh allows you to open an account in a few minutes from your smartphone without a complex procedure.<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"etapes-d-ouverture\">Opening steps:<\/h4>\n\n<ol class=\"wp-block-list\">\n<li><strong>Download the Yuh app<\/strong> (App Store or Google Play)<\/li>\n\n\n\n<li><strong>Prepare your documents<\/strong>: ID + proof of address less than 3 months old<\/li>\n\n\n\n<li><strong>Identity verification<\/strong> via scan and video selfie directly in the app<\/li>\n\n\n\n<li><strong>Account activation<\/strong> \u2192 immediate receipt of IBAN, then the card within a few days<\/li>\n<\/ol>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>#gspb_row-id-gsbp-1076ebe{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-1076ebe > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-1076ebe > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-1076ebe\" id=\"gspb_row-id-gsbp-1076ebe\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-fbb6afb.gspb_row__col--3{width:25%;}@media (max-width:575.98px){#gspb_col-id-gsbp-fbb6afb.gspb_row__col--3{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--3 gspb_col-id-gsbp-fbb6afb\" id=\"gspb_col-id-gsbp-fbb6afb\"><style>#gspb_image-id-gsbp-cf3de0c img{vertical-align:top;}#gspb_image-id-gsbp-cf3de0c 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-cf3de0c\" id=\"gspb_image-id-gsbp-cf3de0c\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/ouverture-compte-YUH-1-scaled.jpg\" data-src=\"\" alt=\"opening-account-YUH-1\" loading=\"lazy\" width=\"1183\" height=\"2560\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-40c1507.gspb_row__col--3{width:25%;}@media (max-width:575.98px){#gspb_col-id-gsbp-40c1507.gspb_row__col--3{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--3 gspb_col-id-gsbp-40c1507\" id=\"gspb_col-id-gsbp-40c1507\"><style>#gspb_image-id-gsbp-d618ccc img{vertical-align:top;}#gspb_image-id-gsbp-d618ccc 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-d618ccc\" id=\"gspb_image-id-gsbp-d618ccc\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/ouverture-compte-YUH-3-scaled.jpg\" data-src=\"\" alt=\"opening-account-YUH-3\" loading=\"lazy\" width=\"1183\" height=\"2560\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-1eceb1e.gspb_row__col--3{width:25%;}@media (max-width:575.98px){#gspb_col-id-gsbp-1eceb1e.gspb_row__col--3{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--3 gspb_col-id-gsbp-1eceb1e\" id=\"gspb_col-id-gsbp-1eceb1e\"><style>#gspb_image-id-gsbp-ed229d1 img{vertical-align:top;}#gspb_image-id-gsbp-ed229d1 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-ed229d1\" id=\"gspb_image-id-gsbp-ed229d1\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/ouverture-compte-YUH-4-scaled.jpg\" data-src=\"\" alt=\"opening-account-YUH-4\" loading=\"lazy\" width=\"1183\" height=\"2560\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-3e89729.gspb_row__col--3{width:25%;}@media (max-width:575.98px){#gspb_col-id-gsbp-3e89729.gspb_row__col--3{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--3 gspb_col-id-gsbp-3e89729\" id=\"gspb_col-id-gsbp-3e89729\"><style>#gspb_image-id-gsbp-6ff70ef img{vertical-align:top;}#gspb_image-id-gsbp-6ff70ef 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-6ff70ef\" id=\"gspb_image-id-gsbp-6ff70ef\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/ouverture-compte-YUH-5-scaled.jpg\" data-src=\"\" alt=\"opening-account-YUH-5\" loading=\"lazy\" width=\"1183\" height=\"2560\"><\/div>\n<\/div>\n <\/div><\/div>\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=\"conditions-d-eligibilite-non-residents-acceptes-si\">Eligibility conditions (non-residents accepted if):<\/h4>\n\n<ul class=\"wp-block-list\">\n<li>Minimum age: 18 years<\/li>\n\n\n\n<li>Reside in one of these countries: \ud83c\udde9\ud83c\uddea\ud83c\uddeb\ud83c\uddf7\ud83c\uddee\ud83c\uddf9\ud83c\uddf1\ud83c\uddee\ud83c\udde6\ud83c\uddf9<\/li>\n\n\n\n<li>Smartphone compatible with the app<\/li>\n<\/ul>\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> No proof of income required<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> No minimum deposit required<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> No Swiss address required<\/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<h3 class=\"wp-block-heading\" id=\"ouvrir-un-compte-non-resident-dans-une-banque-traditionnelle-suisse\">Opening a Non-Resident Account in a Traditional Swiss Bank<\/h3>\n\n<p>Opening an account is possible, but it remains a restrictive process. Unlike neobanks, <strong>no traditional bank offers a 100% online process<\/strong> for non-residents. <\/p>\n\n<p><strong>In practice, you need to:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Contact the branch in advance to check if opening is possible.<\/li>\n\n\n\n<li>Send a complete file for pre-validation (tax documents, identity, income&#8230;).<\/li>\n\n\n\n<li>Then physically go to the branch (in Switzerland or at a foreign branch) to finalize the opening.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Opening delays<\/strong>: 5 days to 3 weeks depending on the bank.<br\/><strong>Initial deposit<\/strong>: CHF 10,000 to 50,000 depending on your profile and the bank.<\/p>\n\n<p>This process is suitable for <strong>high net worth profiles<\/strong> or <strong>specific projects<\/strong> (real estate purchase, wealth management&#8230;).<\/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.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-727772c .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-727772c svg,#gspb_infoBox-id-gsbp-727772c svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-727772c svg{margin:0px !important;}#gspb_infoBox-id-gsbp-727772c .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-727772c .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-727772c .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-727772c .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-727772c\" id=\"gspb_infoBox-id-gsbp-727772c\"><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=\"M298.212 1024c-66.152 0-132.306-25.18-182.666-75.542-100.728-100.722-100.728-264.61-0.004-365.33l524.142-524.132c78.662-78.662 206.656-78.662 285.32 0 78.662 78.664 78.662 206.654 0 285.314l-445.26 445.252c-56.594 56.602-148.694 56.606-205.3 0-56.6-56.602-56.6-148.698 0-205.298l340.602-340.596c9.372-9.372 24.568-9.372 33.94 0l11.322 11.322c9.372 9.372 9.372 24.568 0 33.942l-340.6 340.594c-31.642 31.642-31.642 83.126 0.002 114.77 31.642 31.64 83.128 31.64 114.77 0l445.26-445.252c53.702-53.702 53.702-141.082 0-194.788-53.71-53.702-141.088-53.698-194.79 0l-524.142 524.136c-75.764 75.764-75.764 199.038 0 274.802 75.768 75.762 199.046 75.764 274.808 0.002l435.486-435.478c9.372-9.372 24.568-9.372 33.94 0l11.322 11.322c9.372 9.372 9.372 24.568 0 33.942l-435.484 435.476c-50.36 50.362-116.514 75.542-182.668 75.542z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-58aafe24806716f9f244c2cb60cc2800\">The documents required by Swiss banks for non-residents are listed <a href=\"#documents-requis-ouvrir-compte-banque\">above <\/a><a href=\"#documents-non-resident-compte-banque\">in <\/a><a href=\"#documents-requis-ouvrir-compte-banque\">the article<\/a>.<\/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=\"yuh-vs-banque-traditionnelle-suisse-ouverture-de-compte-en-ligne\">Yuh vs traditional Swiss bank (online account opening)<\/h3>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Criterion<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Yuh<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Traditional bank<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Personal CH IBAN<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>100% mobile process<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Required deposit at opening<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> (10k\u201350k CHF)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Branch appointment<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Opening delays<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">10\u201315 min<\/td><td class=\"has-text-align-center\" data-align=\"center\">Several days\/weeks<\/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>For the majority of non-residents, <strong>Yuh remains the only practical and realistic solution<\/strong> in 2025.<\/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=\"comparatif-des-solutions-pour-ouvrir-un-compte-non-resident-en-suisse\"><strong>Comparison of solutions for opening a non-resident account in Switzerland<\/strong><\/h2>\n\n<p>Here&#8217;s a summary of the 5 banking options with the criteria that really matter for a non-resident:<\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Options<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Personal CH IBAN<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Low fees<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Remote opening<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Compatible with CH salary<\/strong><\/td><td><strong>Recommended?<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Traditional banks<\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td>Too constraining<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Wise \/ Revolut \/ N26<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/strong> Often refused<\/td><td><strong>As a complement<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Yuh<\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td><strong>Ideal solution<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Bank + currency exchange service<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u26a0\ufe0f Non-nominative<\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u26a0\ufe0f Not always accepted<\/td><td>Workaround<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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-5f2835c .gs-box{margin-right:-5px;margin-left:-5px;padding-right:10px;padding-left:10px;}}#gspb_infoBox-id-gsbp-5f2835c svg,#gspb_infoBox-id-gsbp-5f2835c svg path{fill:#ffffff !important;}#gspb_infoBox-id-gsbp-5f2835c svg{margin:0px !important;}#gspb_infoBox-id-gsbp-5f2835c svg:hover,#gspb_infoBox-id-gsbp-5f2835c svg:hover path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-5f2835c .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-5f2835c .gs-box{border:0;}#gspb_infoBox-id-gsbp-5f2835c .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}#gspb_infoBox-id-gsbp-5f2835c .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-5f2835c\" id=\"gspb_infoBox-id-gsbp-5f2835c\"><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 1152 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M576 288c-22.421 0.361-43.864 3.991-64.051 10.433l1.571-0.433c8.982 15.522 14.338 34.12 14.48 53.959l0 0.041c0 61.856-50.144 112-112 112v0c-19.88-0.142-38.478-5.498-54.535-14.765l0.535 0.285c-5.551 18.541-8.746 39.847-8.746 61.899 0 123.391 100.029 223.42 223.42 223.42s223.42-100.029 223.42-223.42c0-123.391-100.029-223.42-223.42-223.42-0.237 0-0.474 0-0.711 0.001l0.037-0zM1145.040 482.8c-108.46-211.62-323.18-354.8-569.040-354.8s-460.64 143.28-569.040 354.82c-4.387 8.495-6.959 18.542-6.959 29.19s2.572 20.695 7.129 29.553l-0.17-0.363c108.46 211.62 323.18 354.8 569.040 354.8s460.64-143.28 569.040-354.82c4.387-8.495 6.959-18.542 6.959-29.19s-2.572-20.695-7.129-29.553l0.17 0.363zM576 800c-197.3 0-378.18-110-475.86-288 97.68-178 278.54-288 475.86-288s378.18 110 475.86 288c-97.66 178-278.54 288-475.86 288z\"><\/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><strong>Are there Swiss banks abroad?<\/strong><\/p>\n\n\n\n<p>Some Swiss banks like UBS do have subsidiaries abroad (France, Germany, Luxembourg, etc.).<\/p>\n\n\n\n<p>But these entities <strong>do not allow opening a real Swiss account<\/strong> with a CH IBAN from abroad. They mainly serve to: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>manage investment portfolios,<\/li>\n\n\n\n<li>introduce high-value clients to the parent company,<\/li>\n\n\n\n<li>or offer private management services.<\/li>\n<\/ul>\n\n\n\n<p>Therefore, it is <strong>not a daily banking solution<\/strong> for a non-resident.<\/p>\n\n\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div id=\"conclusion\">\t\t<h2 class=\"mt0 mb0\">Conclusion: What is the best solution for opening a non-resident account?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Conclusion<\/div>\t<\/div><\/div>\n<p>In 2025, opening a bank account in Switzerland without residing there remains possible, but truly interesting options are limited.<\/p>\n\n<p>Most Swiss banks <strong>discourage opening accounts for non-residents<\/strong>, due to fiscal, regulatory, and therefore financial constraints. Even border banks or multi-currency accounts don&#8217;t solve all needs, especially when it comes to receiving a Swiss salary. <\/p>\n\n<p>Among existing solutions, <strong>Yuh is currently the only solution that allows<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>to have a personal CH IBAN,<\/li>\n\n\n\n<li>a quick 100% mobile opening,<\/li>\n\n\n\n<li>free and complete usage,<\/li>\n\n\n\n<li>and unrestricted access to investment.<\/li>\n<\/ul>\n\n<p>Other options (traditional banks, Wise, currency exchange services, border banks) can be complementary, but none replace Yuh for daily use.<\/p>\n\n<p>The right choice will always depend on one&#8217;s needs:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>receiving a salary,<\/li>\n\n\n\n<li>investing from abroad,<\/li>\n\n\n\n<li>or simply minimizing fees.<\/li>\n<\/ul>\n\n<p><strong>But in 90% of cases, Yuh is sufficient to do everything.<\/strong><\/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<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/heyneo.ch\/en\/news\/swiss-credit-card-guide-comparison\/\" type=\"post\" id=\"13185\">Credit Cards in Switzerland: Comparison and Overview (2026)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/news\/cross-border-banks-which-to-choose\/\" type=\"post\" id=\"7920\">Swiss Cross-Border Commuter Bank: What to Choose? (February 2026) <\/a><\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/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=\"quelle-solution-preferez-vous-en-tant-que-non-resident\">Which solution do you prefer as a non-resident?<\/h2>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>Do you already use a non-Swiss neobank?<\/li>\n\n\n\n<li>Have you already tried the combination of local bank + currency exchange service?<\/li>\n\n\n\n<li>Do you have a preference between N26, Wise, and Revolut for complementary services?<\/li>\n\n\n\n<li>Will you beat my record of signing up for Yuh in less than 11 minutes?<\/li>\n<\/ul>\n<\/blockquote>\n\n<p><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Share your feedback<\/mark><\/strong> with all Neo&#8217;s friends \ud83d\ude08<\/p>\n<style>#gspb_image-id-gsbp-0ba34eb{text-align:center;}#gspb_image-id-gsbp-0ba34eb img{vertical-align:top;}#gspb_image-id-gsbp-0ba34eb img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-0ba34eb img{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}#gspb_image-id-gsbp-0ba34eb img{border-style:solid;border-width:18px;border-color:var(--wp--preset--color--vivid-green,#00d084);}#gspb_image-id-gsbp-0ba34eb img{width:custom;}#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-0ba34eb\" id=\"gspb_image-id-gsbp-0ba34eb\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/CTA-commentaires-EN-court-1.gif\" data-src=\"\" alt=\"User opinions and comments\" loading=\"lazy\" height=\"249\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Opening a bank account in Switzerland for non-residents or as a foreigner is necessary for many people in %%currentyear%%:\u2192 to receive a salary in CHF when working from abroad,\u2192 to protect part of one&#8217;s savings in Swiss francs,\u2192 or simply to access a secure and stable banking solution. But here&#8217;s the thing: the majority of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19432,"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-19441","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>Swiss Non-Resident Account: Banks, Opening, Fees in 2026<\/title>\n<meta name=\"description\" content=\"Guide to opening your bank account in Switzerland as a non-resident, cross-border worker, or expatriate. 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