{"id":19443,"date":"2025-04-10T03:07:32","date_gmt":"2025-04-10T01:07:32","guid":{"rendered":"https:\/\/heyneo.ch\/non-categorizzato\/conto-svizzero-non-residente\/"},"modified":"2026-02-10T09:26:51","modified_gmt":"2026-02-10T08:26:51","slug":"conto-svizzero-non-residente","status":"publish","type":"post","link":"https:\/\/heyneo.ch\/it\/notizie\/conto-svizzero-non-residente\/","title":{"rendered":"Conto svizzero per non residenti: soluzioni per aprire un conto bancario in Svizzera 2026"},"content":{"rendered":"<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Aprire un conto bancario in Svizzera per non residenti o come stranieri \u00e8 necessario per molte persone <strong>nel %%currentyear%%<\/strong>:<\/strong><br\/><strong><br\/><\/strong>\u2192 <strong>ricevere uno stipendio in CHF<\/strong> quando si lavora dall&#8217;estero,<br\/>\u2192 proteggere una parte dei propri risparmi in franchi svizzeri,<br\/>\u2192 o semplicemente accedere a una soluzione bancaria sicura e stabile.<\/p>\n\n<p>Ma il problema \u00e8 che <strong>la maggior parte delle banche svizzere tende a limitare l&#8217;accesso ai non residenti<\/strong>, richiedendo un deposito minimo o addebitando alte spese di gestione del conto:<br\/><br\/>Le condizioni sono vaghe.<br\/>Le spese possono essere un deterrente.<br\/>Ci vuole tempo per aprire un conto.<\/p>\n\n<p><strong>\ud83d\udcdd Lo scopo di questo articolo:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Capire quali <strong>sono gli ostacoli all&#8217;apertura di<\/strong> un conto corrente svizzero se vivi all&#8217;estero<\/li>\n\n\n\n<li>Presenta le <strong>5 soluzioni<\/strong> disponibili in  2026<\/li>\n\n\n\n<li>Confronta i loro reali <strong>vantaggi e limiti <\/strong><\/li>\n\n\n\n<li>Aiutandoti a scegliere in base al tuo profilo e alle tue <strong>esigenze<\/strong><\/li>\n\n\n\n<li>E soprattutto: <strong>spiega come aprire facilmente un conto<\/strong> in Svizzera.<\/li>\n<\/ul>\n\n<p>(\ud83d\udea8 Spoiler: oggi solo una banca svizzera \u00e8 in grado di soddisfare tutte le esigenze).<\/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=\"sommario-le-3-opzioni-principali\">\t\t<h2 class=\"mt0 mb0\">Riepilogo: le 3 principali opzioni per l&#8217;apertura di un conto non residente in Svizzera<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Sommario: le 3 opzioni principali<\/div>\t<\/div><\/div>\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Tipo di conto<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>IBAN CH nominativo<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Costi ridotti<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Facile da aprire<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Consigliato?<\/strong><\/td><\/tr><tr><td><strong>Neo-banca svizzera<\/strong> (es. 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>Banca tradizionale<\/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>Conto multivaluta<\/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\">Informazioni aggiuntive<\/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=\"cosa-devi-sapere-prima-di-cercare-una-banca-in-svizzera\">\t\t<h2 class=\"mt0 mb0\">Cosa devi sapere prima di cercare una banca in Svizzera<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Cosa devi sapere prima di cercare una banca in Svizzera<\/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>Chi \u00e8 considerato un non residente?<\/strong><\/h3>\n\n<p>Chiunque abbia il <strong>domicilio fiscale fuori dalla Svizzera<\/strong>. Che tu sia un pendolare transfrontaliero, un espatriato o un pensionato che vive nell&#8217;UE, \u00e8 il luogo di residenza dichiarato a determinare se una banca svizzera applica o meno le condizioni di &#8220;non residenza&#8221;. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"il-y-a-deux-obstacles-bloquants-dans-90-des-cas\"><strong>Nel 90% dei casi i fattori bloccanti sono due<\/strong><\/h3>\n\n<ol class=\"wp-block-list\">\n<li><strong>Nessun IBAN svizzero a tuo nome<\/strong> \u2192 questo \u00e8 sufficiente per <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">rifiutare un trasferimento<\/mark> da un datore di lavoro svizzero.<\/li>\n\n\n\n<li><strong>Non pu\u00f2 essere aperta a distanza<\/strong> \u2192 la maggior parte delle banche richiede un appuntamento in filiale e, a volte, un sostanzioso deposito iniziale.<\/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>Perch\u00e9 tante condizioni per le banche svizzere?<\/strong><\/h3>\n\n<p>Non si tratta solo di una questione commerciale. Le banche svizzere sono soggette a regole severe in materia di : <\/p>\n\n<ul class=\"wp-block-list\">\n<li>la lotta al riciclaggio di denaro (compliance)<\/li>\n\n\n\n<li>scambio automatico di informazioni fiscali (CRS)<\/li>\n\n\n\n<li>rischi amministrativi associati agli account remoti<\/li>\n<\/ul>\n\n<p>Risultato: per una banca, un cliente non residente spesso costa <strong>di pi\u00f9 da gestire<\/strong> e comporta <strong>un maggior numero di pratiche<\/strong>. Questo spiega le spese: <\/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>Spese bancarie effettive per i non residenti<\/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>Banca<\/strong><\/td><td><strong>Canone mensile<\/strong><\/td><td><strong>Condizioni<\/strong><\/td><\/tr><tr><td>UBS<\/td><td>CHF 30.00<\/td><td>Deposito elevato, Modulo A<\/td><\/tr><tr><td>PostFinanza<\/td><td>CHF 25.00<\/td><td>Saldo minimo 25.000 CHF <\/td><\/tr><tr><td>Banca Migros<\/td><td>CHF 30.00<\/td><td>Condizioni variabili<\/td><\/tr><tr><td>BCGE, BCV, ZKB, TKB, &#8230;<\/td><td>A partire da CHF 30.00<\/td><td>Accesso tramite il sito<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>Queste commissioni sono molto pi\u00f9 alte di quelle applicate ai residenti in Svizzera. Inoltre, alcune banche addebitano anche : <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>commissioni di inattivit\u00e0<\/strong> dopo 12 mesi senza transazioni (a seconda della banca),<\/li>\n\n\n\n<li>un consistente <strong>deposito iniziale<\/strong> all&#8217;apertura (da 10.000 a 50.000 franchi svizzeri a seconda dell&#8217;istituto).<\/li>\n<\/ul>\n\n<p>Ecco perch\u00e9 le soluzioni ora disponibili per la maggior parte dei non residenti sono prive di spese fisse e condizioni complesse.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"les-banques-a-ecarter-si-on-n-habite-pas-en-suisse\"><strong>Le banche da evitare se non vivi in Svizzera<\/strong><\/h3>\n\n<p>Alcune neobanche o offerte \u201cdigitali\u201d sono allettanti, ma \u00e8 impossibile aprirvi un conto se non si risiede in Svizzera. \u00c8 il caso di <strong>Zak<\/strong>, <strong>Neon<\/strong> e <strong>Alpian<\/strong> per esempio. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"et-les-comptes-multi-devises\"><strong>E i conti multivaluta?<\/strong><\/h3>\n\n<p>I servizi multivaluta <strong>rendono facile la conversione da CHF a EUR<\/strong>, ma :<\/p>\n\n<ul class=\"wp-block-list\">\n<li>non forniscono un codice IBAN svizzero nominativo<\/li>\n\n\n\n<li>non ti permettono di ricevere uno stipendio CH in buone condizioni<\/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=\"banche-svizzere-tradizionali\">\t\t<h2 class=\"mt0 mb0\">Aprire un conto corrente per non residenti in Svizzera con una banca tradizionale<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Banche svizzere tradizionali<\/div>\t<\/div><\/div>\n<p><strong>UBS<\/strong>, <strong>BCGE<\/strong> e <strong>Banca Migros<\/strong>: in teoria, queste banche accettano i non residenti. In pratica, per\u00f2, le condizioni sono spesso restrittive. <\/p>\n\n<p>Puoi ottenere un IBAN svizzero a tuo nome, ma devi :<\/p>\n\n<ul class=\"wp-block-list\">\n<li>fissare un appuntamento di persona in una filiale,<\/li>\n\n\n\n<li>fornire numerosi documenti fiscali e bancari,<\/li>\n\n\n\n<li>deposito tra i 10.000 e i 50.000 franchi svizzeri, a seconda dello stabilimento,<\/li>\n\n\n\n<li>pagare un canone mensile fino a 30 CHF.<\/li>\n<\/ul>\n\n<p>Questa soluzione pu\u00f2 funzionare <strong>solo se disponi di un capitale significativo<\/strong> o di un utilizzo molto specifico (beni, propriet\u00e0 in Svizzera, ecc.).<\/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\">Documenti richiesti dalle banche tradizionali per aprire un conto per non residenti in Svizzera<\/h3>\n\n<p>Per <a href=\"https:\/\/heyneo.ch\/it\/notizie\/aprire-un-conto-bancaire-in-svizzera\/\">aprire un conto<\/a> presso una banca svizzera come non residente, di solito sono richiesti i seguenti documenti:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Documento d&#8217;identit\u00e0 valido<\/strong><\/li>\n\n\n\n<li><strong>Prova di indirizzo<\/strong>: bolletta recente (elettricit\u00e0, internet, ecc.), contratto di affitto o certificato di residenza &lt; 3 mesi.<\/li>\n\n\n\n<li><strong>Prova di reddito<\/strong>: contratto di lavoro svizzero, busta paga o prova di assunzione.<\/li>\n\n\n\n<li><strong>Prova dell&#8217;origine dei fondi<\/strong>: spesso \u00e8 coperta dalla prova del reddito, ma pu\u00f2 essere richiesto anche un estratto conto bancario.<\/li>\n\n\n\n<li><strong>Modulo fiscale A<\/strong>: richiesto da alcune banche per motivi normativi.<\/li>\n\n\n\n<li><strong>A volte<\/strong>: lettera di raccomandazione bancaria o estratto conto recente.<\/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>Tutti questi documenti consentono alle banche di verificare la tua identit\u00e0, il tuo legame con la Svizzera e la tua situazione finanziaria, nel rispetto dei requisiti di conformit\u00e0.<\/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>Pro:<\/strong><br\/><em>Ti permette di avere un conto svizzero al 100%, accettato ovunque, con un IBAN CH nominativo e una gamma completa di servizi bancari.<\/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>Contro:<\/strong><br\/><em>\u00c8 lunga, costosa e riservata a coloro che possono dimostrare un forte legame economico con la Svizzera.<\/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=\"conto-multivaluta-con-iban-ch\">\t\t<h2 class=\"mt0 mb0\">Aprire un conto estero multivaluta con IBAN CH (Wise, Revolut, N26&#8230;)<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Conto multivaluta (con IBAN CH)<\/div>\t<\/div><\/div>\n<p>Piattaforme come <a href=\"https:\/\/heyneo.ch\/it\/servizio\/n26-recensione\/\">N26<\/a>, <a href=\"https:\/\/heyneo.ch\/it\/servizio\/wise-recensione\/\">Wise<\/a> e <a href=\"https:\/\/heyneo.ch\/it\/servizio\/revolut-recensione\/\">Revolut<\/a> sono ultra-accessibili: puoi aprire un conto in pochi minuti, senza vincoli e con ottimi tassi di cambio.<\/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=\"Carta di debito WISE Svizzera\" 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-bank-card-Svizzera\" 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=\"Carta Revolut Svizzera\" 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>Ma attenzione: Wise <strong>non<\/strong> fornisce <strong>un IBAN svizzero personale<\/strong>, ma solo IBAN stranieri (belgi o inglesi). Revolut, invece, offre ora un IBAN svizzero (che inizia con CH) grazie a una partnership con PostFinance. Questo IBAN \u00e8 utile per ricevere pagamenti locali in CHF, ma rimane <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">mutualizzato<\/mark>: i bonifici devono includere un riferimento specifico per essere accreditati correttamente, con il rischio di errori. Alcuni datori di lavoro svizzeri potrebbero <strong>rifiutarsi di trasferire lo stipendio su un IBAN non personale<\/strong>, che invece \u00e8 essenziale.   <\/p>\n\n<p>D&#8217;altra parte, questi servizi sono ideali come complemento di un conto svizzero: per trasferire, convertire e riutilizzare i fondi al miglior tasso.<\/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>Pro:<\/strong><br\/><em>Molto facile da aprire, nessuna spesa fissa, ideale per convertire o spendere CHF una volta ricevuti.<\/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>Contro:<\/strong><br\/><em>Non ti permettono di ricevere uno stipendio svizzero a buone condizioni, in quanto non esiste un IBAN CH personale.<\/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=\"le-neobanche-svizzere\">\t\t<h2 class=\"mt0 mb0\">Aprire un conto corrente svizzero presso una neobanca aperta ai non residenti<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Le neobanche svizzere<\/div>\t<\/div><\/div>\n<p>Tra tutte le soluzioni analizzate, le neobanche svizzere sono le uniche che rendono davvero semplice l&#8217;apertura di un conto bancario a distanza.<\/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\">Quale banca accetta i non residenti?<\/strong> <p class=\"schema-faq-answer\">Una banca online <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">accetta i non residenti<\/mark> con un IBAN CH nominativo: 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 &#8211; la soluzione bancaria pi\u00f9 completa, accessibile<\/strong> ai non residenti<\/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=\"Logo Yuh\" 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>La neobanca Yuh (<a href=\"https:\/\/heyneo.ch\/it\/servizio\/yuh-recensione\/\">leggi recensione completa<\/a>) \u00e8 una delle rare soluzioni bancarie svizzere aperte ai non residenti a unire accessibilit\u00e0, affidabilit\u00e0 e funzionalit\u00e0 moderne:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Nominativo personale IBAN CH<\/li>\n\n\n\n<li>Apertura 100% online (mobile)<\/li>\n\n\n\n<li>Non \u00e8 richiesto un deposito minimo<\/li>\n\n\n\n<li>Nessun costo mensile<\/li>\n\n\n\n<li>Carta di debito gratuita<\/li>\n\n\n\n<li>Accesso agli investimenti (ETF, azioni, criptovalute) a partire da 25 CHF.<\/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=\"Carta bancaria 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>Chi pu\u00f2 aprire un conto con Yuh?<\/strong><\/h4>\n\n<p>Prerequisiti:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Devi avere almeno 18 anni.<\/li>\n\n\n\n<li>Risiedere in Svizzera o in uno dei seguenti paesi: Germania \ud83c\udde9\ud83c\uddea, Austria \ud83c\udde6\ud83c\uddf9, Francia \ud83c\uddeb\ud83c\uddf7, Italia \ud83c\uddee\ud83c\uddf9, Liechtenstein \ud83c\uddf1\ud83c\uddee.<\/li>\n\n\n\n<li>Avere uno smartphone compatibile con l&#8217;applicazione Yuh.<\/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>Nessun requisito aggiuntivo:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Nessuna prova di reddito<\/li>\n\n\n\n<li>Nessun deposito minimo<\/li>\n\n\n\n<li>Nessun indirizzo svizzero<\/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>Pro:<\/strong><br\/><em>Yuh ti permette di aprire un conto svizzero a distanza, senza spese e senza condizioni restrittive, con un IBAN CH nominativo e accesso agli investimenti.<\/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>Nessun consulente dedicato. L&#8217;offerta \u00e8 ancora pensata per un semplice uso personale, anche se viene ampliata di mese in mese. <\/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-e3f852a6a5acf2dd54ea3331303e72fd\" style=\"font-size:22px\"><strong>Codice Promo Yuh<\/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 \">Utilizza il codice promo <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">C9QK67<\/mark><\/strong> per <strong>ricevere 50 CHF di Credito di Trading + 250 SWQ <\/strong>(con un primo versamento di CHF 500.-).<br\/><br\/>Conto gratuito <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\/it\/download-app\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Ricevi 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=\"banche-di-frontiera-francese-tedesco-italiano\">\t\t<h2 class=\"mt0 mb0\">Apri un conto non residente con un IBAN svizzero presso una banca di frontiera (francese, tedesca, austriaca, italiana).<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Banche di frontiera (francese, tedesco, italiano)<\/div>\t<\/div><\/div>\n<p>Quando vivi vicino alla Svizzera, potresti essere tentato di aprire un conto presso una banca del tuo paese di confine. Si tratta di un&#8217;opzione che vale la pena prendere in considerazione, soprattutto se vuoi : <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>mantenere le proprie finanze nel paese di residenza<\/strong>,<\/li>\n\n\n\n<li><strong>evitare di aprire un altro conto in Svizzera<\/strong>,<\/li>\n\n\n\n<li><strong>oppure sfrutta i servizi bancari che gi\u00e0 conosci<\/strong> (consulente locale, interfaccia familiare, ecc.).<\/li>\n<\/ul>\n\n<p>Banche come <strong>BNP Paribas<\/strong>, <strong>Cr\u00e9dit Mutuel<\/strong> e <strong>Sparkasse<\/strong> offrono conti standard con un IBAN locale (FR, DE, IT), alcuni con servizi per i frontalieri.<\/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>Tuttavia, queste soluzioni possono generare costi aggiuntivi: commissioni sui trasferimenti in entrata in CHF, tassi di cambio non competitivi o spese mensili fisse se il conto \u00e8 poco utilizzato.<\/p>\n\n<p>Ma questi conti raggiungono rapidamente i loro <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">limiti<\/mark> quando si tratta di ricevere uno stipendio o di utilizzare i servizi svizzeri:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Non si ottiene un IBAN svizzero<\/strong>, che pu\u00f2 bloccare un datore di lavoro.<\/li>\n\n\n\n<li><strong>I bonifici internazionali possono comportare spese o ritardi<\/strong>, anche con SEPA.<\/li>\n\n\n\n<li><strong>Nessun accesso ai servizi bancari svizzeri<\/strong> come TWINT o 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 alcuni casi, questo tipo di soluzione pu\u00f2 essere sufficiente, soprattutto quando la banca ha un&#8217;offerta dedicata ai frontalieri.<br\/>\u00c8 il caso del <strong>Cr\u00e9dit Mutuel<\/strong>, che permette di ricevere lo stipendio in CHF direttamente su un conto in Francia, senza IBAN svizzero, ma con servizi su misura (conto in CHF, tasso di cambio garantito, deposito\/prelievo in CHF in filiale).<br\/>D&#8217;altra parte, altre banche come BNP Paribas o Sparkasse non offrono <strong>un equivalente concreto<\/strong>.<br\/>In questi casi, questi conti vengono utilizzati principalmente <strong>come complemento<\/strong>, per convertire o rimpatriare i fondi una volta ricevuto lo stipendio altrove.<\/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 .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-16a925f .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea32b;}#gspb_infoBox-id-gsbp-16a925f .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-16a925f .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-16a925f\" id=\"gspb_infoBox-id-gsbp-16a925f\"><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-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>Pro:<\/strong><br\/><em>Una soluzione stabile se vivi al confine, con accesso diretto a una rete bancaria locale e un ambiente familiare.<\/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>Contro:<\/strong><br\/><em>Soluzione rigida e costosa per la gestione delle tue finanze in relazione alla Svizzera: tasse accumulate, servizi limitati e poco spazio di manovra quotidiano.<\/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-banca-locale-plus-servizio-di-cambio\">\t\t<h2 class=\"mt0 mb0\">La combinazione: conto bancario locale + servizio di cambio svizzero<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Combo (banca locale + servizio di cambio)<\/div>\t<\/div><\/div>\n<p>L&#8217;ultima opzione consiste nel combinare un conto bancario tradizionale (in Francia, Germania o Italia) con un <strong>servizio di cambio con sede in Svizzera<\/strong>, come <strong>b-sharpe<\/strong> o il servizio di <strong>cambio Migros<\/strong>.<\/p>\n\n<p>L&#8217;idea \u00e8 quella di far trasferire il tuo stipendio svizzero su un IBAN fornito dal servizio di cambio (di solito un IBAN CH), che converte il CHF al miglior tasso e poi lo trasferisce sul conto principale nella zona euro.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"a-quoi-ca-sert\"><strong>A cosa serve?<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Riduzione delle spese di conversione (spesso molto pi\u00f9 competitive rispetto a quelle di una banca tradizionale)<\/li>\n\n\n\n<li>Ricevi uno stipendio svizzero <strong>anche senza un conto corrente svizzero<\/strong><\/li>\n\n\n\n<li>Ottimizza i trasferimenti CHF \u2192 EUR se non vuoi aprire un conto svizzero<\/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>Ma questa soluzione ha dei limiti&#8230;<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>L&#8217;IBAN svizzero fornito <strong>non \u00e8 nominativo<\/strong>: appartiene al servizio di cambio, anche se il bonifico \u00e8 identificato a tuo nome.<\/li>\n\n\n\n<li>Alcuni datori di lavoro <strong>rifiutano questo tipo di IBAN<\/strong> perch\u00e9 non sempre soddisfa i loro criteri di conformit\u00e0.<\/li>\n\n\n\n<li>Nessun accesso ai servizi bancari svizzeri (nessuna carta, nessun pagamento, nessun investimento).<\/li>\n<\/ul>\n\n<p>Si tratta quindi di un <strong>workaround<\/strong>, utile come supplemento se il datore di lavoro lo accetta. Ma non sostituisce un vero e proprio conto bancario svizzero. <\/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 svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-afff151 svg,#gspb_infoBox-id-gsbp-afff151 svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-afff151 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-afff151 svg:hover,#gspb_infoBox-id-gsbp-afff151 svg:hover path{fill:#25e8a1 !important;}#gspb_infoBox-id-gsbp-afff151 .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-afff151 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea32b;}#gspb_infoBox-id-gsbp-afff151 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-afff151 .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-afff151\" id=\"gspb_infoBox-id-gsbp-afff151\"><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-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>Pro:<\/strong><br\/><em>Ti permette di ricevere uno stipendio svizzero e di convertire CHF al miglior tasso, senza aprire un conto in Svizzera.<\/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>Contro:<\/strong><br\/><em>Nessuna carta, nessuna interfaccia bancaria, nessun IBAN nominativo: dipende interamente dall&#8217;accettazione del servizio da parte del datore di lavoro.<\/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=\"la-scelta-giusta-per-il-tuo-profilo\">\t\t<h2 class=\"mt0 mb0\">Come scegliere il conto corrente svizzero pi\u00f9 adatto al tuo profilo?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">La scelta giusta per il tuo profilo<\/div>\t<\/div><\/div>\n<p>Quale delle 5 possibili opzioni dovresti scegliere per <a href=\"https:\/\/heyneo.ch\/it\/notizie\/aprire-un-conto-bancaire-in-svizzera\/\">aprire il tuo conto in Svizzera<\/a>?<br\/>Ecco gli scenari concreti da considerare:<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"si-vous-travaillez-en-suisse-tout-en-vivant-a-l-etranger-frontalier-teletravail-resident-ue\">Se <strong>lavori in Svizzera ma vivi all&#8217;estero (pendolare transfrontaliero, telelavoratore, residente nell&#8217;UE)<\/strong><\/h3>\n\n<p>In questo caso, <strong>il datore di lavoro di solito richiede un IBAN svizzero a nome del dipendente<\/strong>.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Impossibile con Wise, Revolut o un semplice conto francese.<\/li>\n\n\n\n<li>Alcuni servizi di cambio possono funzionare, ma sono rischiosi (IBAN non nominativo).<\/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> L&#8217;opzione pi\u00f9 semplice e funzionale: <strong><a href=\"https:\/\/heyneo.ch\/it\/servizio\/yuh-recensione\/\">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-e9d4f2b7ba88f29d6d4c4bba24dfebdb\">Una volta ricevuto lo stipendio, puoi trasferire i CHF a Wise o a Revolut per convertirli al miglior tasso e poi finanziare un conto principale 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>Esiste <strong>un <a href=\"https:\/\/heyneo.ch\/it\/notizie\/banche-per-frontalieri-quale-scegliere\/\" type=\"post\" id=\"7920\">sistema ottimizzato per i frontalieri<\/a><\/strong>. Permette di beneficiare di condizioni ultra favorevoli per rimpatriare il proprio stipendio svizzero e disporre di mezzi di pagamento efficaci su entrambi i lati del confine.<\/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-e3f852a6a5acf2dd54ea3331303e72fd\" style=\"font-size:22px\"><strong>Codice Promo Yuh<\/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 \">Utilizza il codice promo <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">C9QK67<\/mark><\/strong> per <strong>ricevere 50 CHF di Credito di Trading + 250 SWQ <\/strong>(con un primo versamento di CHF 500.-).<br\/><br\/>Conto gratuito <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\/it\/download-app\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Ricevi 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\">Se sei un<strong> espatriato, un pensionato o un investitore con sede all&#8217;estero<\/strong><\/h3>\n\n<p>Non lavori in Svizzera, ma vuoi <strong>detenere o gestire fondi in CHF dall&#8217;estero<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Conto corrente o risparmio CHF<\/li>\n\n\n\n<li>Investire nel mercato azionario o nelle criptovalute<\/li>\n\n\n\n<li>Eredit\u00e0 o rendita svizzera<\/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> Anche in questo caso, <strong>Yuh \u00e8 la soluzione pi\u00f9 semplice<\/strong>: apertura a distanza, IBAN CH nominativo, accesso illimitato a ETF\/cripto.<\/p>\n\n<p>Le altre soluzioni (banche tradizionali o transfrontaliere) sono utili <strong>solo se hai un patrimonio consistente<\/strong> o se hai bisogno di un consulente dedicato.<\/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=\"come-si-apre-un-conto-corrente-svizzero\">\t\t<h2 class=\"mt0 mb0\">Come posso aprire un conto corrente svizzero per non residenti dall&#8217;estero?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Come si apre un conto corrente svizzero?<\/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\">Apri un conto con Yuh (procedura 100% mobile)<\/h3>\n\n<p>Yuh ti permette di aprire un conto in pochi minuti dal tuo smartphone, senza alcuna procedura complessa.<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"etapes-d-ouverture\">Fasi di apertura:<\/h4>\n\n<ol class=\"wp-block-list\">\n<li><strong>Scarica l&#8217;applicazione Yuh<\/strong> (App Store o Google Play)<\/li>\n\n\n\n<li><strong>Prepara i tuoi documenti<\/strong>: documento d&#8217;identit\u00e0 + prova d&#8217;indirizzo con meno di 3 mesi di vita.<\/li>\n\n\n\n<li><strong>Verifica dell&#8217;identit\u00e0<\/strong> tramite scansione e video selfie direttamente nell&#8217;app<\/li>\n\n\n\n<li><strong>Attivazione del conto<\/strong> \u2192 ricezione immediata dell&#8217;IBAN, poi carta entro pochi giorni<\/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=\"apertura conto-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=\"apertura conto-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=\"apertura conto-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=\"apertura conto-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\">Requisiti di idoneit\u00e0 (i non residenti sono accettati se) :<\/h4>\n\n<ul class=\"wp-block-list\">\n<li>Et\u00e0 minima: 18 anni<\/li>\n\n\n\n<li>Risiedere in uno di questi paesi: \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 compatibile con l&#8217;applicazione<\/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> Non \u00e8 richiesta alcuna prova di reddito<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Non \u00e8 richiesto un deposito minimo<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Non \u00e8 richiesto un indirizzo svizzero<\/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-e3f852a6a5acf2dd54ea3331303e72fd\" style=\"font-size:22px\"><strong>Codice Promo Yuh<\/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 \">Utilizza il codice promo <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">C9QK67<\/mark><\/strong> per <strong>ricevere 50 CHF di Credito di Trading + 250 SWQ <\/strong>(con un primo versamento di CHF 500.-).<br\/><br\/>Conto gratuito <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\/it\/download-app\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Ricevi 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\">Aprire un conto per non residenti presso una banca svizzera tradizionale<\/h3>\n\n<p>L\u2019apertura \u00e8 possibile, ma rimane un percorso vincolante. A differenza delle neobanche, <strong>nessuna banca tradizionale offre un processo 100% online<\/strong> per i non residenti. <\/p>\n\n<p><strong>In pratica, hai bisogno di :<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Contatta l&#8217;agenzia in anticipo per verificare se l&#8217;apertura \u00e8 possibile.<\/li>\n\n\n\n<li>Invia un file completo per la pre-validazione (documenti fiscali, identit\u00e0, reddito, ecc.).<\/li>\n\n\n\n<li>Quindi recati di persona presso la filiale (in Svizzera o in una filiale all&#8217;estero) per perfezionare l&#8217;apertura.<\/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>Tempo di apertura<\/strong>: da 5 giorni a 3 settimane, a seconda della banca.<br\/><strong>Deposito iniziale<\/strong>: da CHF 10.000 a CHF 50.000, a seconda del tuo profilo e della banca.<\/p>\n\n<p>Questo processo \u00e8 personalizzato in base ai <strong>profili patrimoniali<\/strong> o a <strong>progetti specifici<\/strong> (acquisto di immobili, gestione patrimoniale, ecc.).<\/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-22bec1082df6efa0146a0f06493c6204\">I documenti richiesti dalle banche svizzere per i non residenti sono elencati<a href=\"#documents-non-resident-compte-banque\">in precedenza<\/a> <a href=\"#documents-requis-ouvrir-compte-banque\">nell&#8217;<\/a><a href=\"#documents-requis-ouvrir-compte-banque\"> articolo<\/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 banca tradizionale svizzera (apertura conto online)<\/h3>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Criteri<\/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>Banca tradizionale<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>IBAN CH nominativo<\/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>Approccio 100% mobile<\/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>Deposito richiesto all&#8217;apertura<\/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> (CHF 10k-50k)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Appuntamento in filiale<\/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>Termini di apertura<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">10-15 min<\/td><td class=\"has-text-align-center\" data-align=\"center\">Diversi giorni\/settimane<\/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>Per la maggior parte dei non residenti, <strong>Yuh rimane l&#8217;unica soluzione pratica e realistica<\/strong> nel 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>Soluzioni a confronto per l&#8217;apertura di un conto non residente in Svizzera<\/strong><\/h2>\n\n<p>Ecco un riepilogo delle 5 opzioni bancarie con i criteri che contano davvero per un non residente:<\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Opzioni<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>IBAN CH nominativo<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Costi ridotti<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Apertura a distanza<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Stipendio CH compatibile<\/strong><\/td><td><strong>Consigliato?<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Banche tradizionali<\/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>Troppo restrittivo<\/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> Spesso rifiutato<\/td><td><strong>Informazioni aggiuntive<\/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>Soluzione ideale<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Banca + cambio<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u26a0\ufe0f Non nominativo<\/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 Non sempre accettato<\/td><td>Bypass<\/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>Ci sono banche svizzere all&#8217;estero?<\/strong><\/p>\n\n\n\n<p>Alcune banche svizzere, come UBS, hanno filiali all&#8217;estero (Francia, Germania, Lussemburgo, ecc.).<\/p>\n\n\n\n<p>Ma queste entit\u00e0 <strong>non<\/strong> ti permettono di <strong>aprire un vero conto svizzero<\/strong> con un IBAN CH dall&#8217;estero. Vengono utilizzati principalmente per : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>gestire portafogli di investimento,<\/li>\n\n\n\n<li>introdurre clienti di alto valore nella societ\u00e0 madre,<\/li>\n\n\n\n<li>o offrire servizi di private banking.<\/li>\n<\/ul>\n\n\n\n<p><strong>Non<\/strong> si tratta quindi di <strong>una soluzione bancaria quotidiana<\/strong> per un non residente.<\/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=\"conclusione\">\t\t<h2 class=\"mt0 mb0\">Conclusione: qual \u00e8 il modo migliore per aprire un conto corrente per non residenti?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Conclusione<\/div>\t<\/div><\/div>\n<p>Nel 2025 sar\u00e0 ancora possibile aprire un conto bancario in Svizzera senza essere residenti, ma le opzioni davvero interessanti sono limitate.<\/p>\n\n<p>La maggior parte delle banche svizzere <strong>\u00e8 riluttante ad aprire i propri conti ai non residenti<\/strong>, a causa di vincoli fiscali, normativi e quindi finanziari. Anche le banche transfrontaliere o i conti multivaluta non soddisfano tutte le esigenze, soprattutto quando si tratta di ricevere uno stipendio svizzero. <\/p>\n\n<p>Tra tutte le soluzioni esistenti, <strong>Yuh \u00e8 attualmente l&#8217;unica che permette di<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>avere un IBAN personale CH,<\/li>\n\n\n\n<li>100% mobile ad apertura rapida,<\/li>\n\n\n\n<li>libero e completo,<\/li>\n\n\n\n<li>e accesso illimitato agli investimenti.<\/li>\n<\/ul>\n\n<p>Le altre opzioni (banche tradizionali, Wise, servizi di cambio, banche di frontiera) possono essere complementari, ma nessuna di esse sostituisce Yuh per l&#8217;uso quotidiano.<\/p>\n\n<p>La scelta giusta dipender\u00e0 sempre dalle tue esigenze:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>ricevere uno stipendio,<\/li>\n\n\n\n<li>investire dall&#8217;estero,<\/li>\n\n\n\n<li>o semplicemente per minimizzare i costi.<\/li>\n<\/ul>\n\n<p><strong>Ma nel 90% dei casi, Yuh \u00e8 sufficiente per fare tutto.<\/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-e3f852a6a5acf2dd54ea3331303e72fd\" style=\"font-size:22px\"><strong>Codice Promo Yuh<\/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 \">Utilizza il codice promo <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">C9QK67<\/mark><\/strong> per <strong>ricevere 50 CHF di Credito di Trading + 250 SWQ <\/strong>(con un primo versamento di CHF 500.-).<br\/><br\/>Conto gratuito <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\/it\/download-app\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Ricevi 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\/it\/notizie\/guida-carte-di-credito-svizzera-confronto\/\" type=\"post\" id=\"13185\">Carte di Credito in Svizzera: Confronto e Panoramica (2026)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/it\/notizie\/banche-per-frontalieri-quale-scegliere\/\" type=\"post\" id=\"7920\">Banca per frontalieri svizzeri: cosa scegliere? (febbraio 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\">Quale soluzione preferisci in quanto non residente?<\/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>Utilizzi gi\u00e0 una neo-banca non svizzera?<\/li>\n\n\n\n<li>Hai mai provato la combinazione banca locale + servizio di cambio?<\/li>\n\n\n\n<li>Hai una preferenza tra N26, Wise e Revolut per i servizi aggiuntivi?<\/li>\n\n\n\n<li>Riuscirai a battere il mio record di registrazione a Yuh in meno di 11 minuti?<\/li>\n<\/ul>\n<\/blockquote>\n\n<p><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Condividi la tua<\/mark> esperienza<\/strong> con tutti gli amici di Neo \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-IT-court-1.gif\" data-src=\"\" alt=\"Opinioni e commenti degli utenti\" loading=\"lazy\" height=\"249\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Aprire un conto bancario in Svizzera per non residenti o come stranieri \u00e8 necessario per molte persone nel %%currentyear%%:\u2192 ricevere uno stipendio in CHF quando si lavora dall&#8217;estero,\u2192 proteggere una parte dei propri risparmi in franchi svizzeri,\u2192 o semplicemente accedere a una soluzione bancaria sicura e stabile. Ma il problema \u00e8 che la maggior parte [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19434,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"","_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[814],"tags":[],"dealstore":[],"offerexpiration":[],"class_list":["post-19443","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-notizie"],"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>Conto svizzero non residente: Banche, apertura, spese in 2026<\/title>\n<meta name=\"description\" content=\"Aprire un conto in Svizzera da non residente, frontaliere o espatriato: guida pratica per confrontare le opzioni e scegliere bene.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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