Switzerland
activeNeobankBroker
- HQ
- Gland / Zurich
- Fee
- No fees whenever possible, low fees when necessary — see yuh.com/en/pricing
neon
Swiss zero-fee app. Not a FINMA bank. Cash at Hypothekarbank Lenzburg, esisuisse CHF 100,000.
Legal entity: neon (app) — deposits at Hypothekarbank Lenzburg AG
Rate this app
7.3Solid
AlternativesFive questions
At a glance
Is it a bank?
No. Not a deposit-taking bank. Holder / issuer: Hypothekarbank Lenzburg AG.
If it fails?
Official: with neon, your money is safely held by partner Hypothekarbank Lenzburg and is protected by Swiss deposit insurance up to CHF 100,000. neon is not the bank. Shared cap with any other HBL account.
Salary?
A CHF IBAN at HBL can take a Swiss salary. Confirm the number neon shows you.
Open from abroad?
Swiss KYC / residency. Not a tourist IBAN mill.
Monthly fee
Zero-fee pitch on neon-free.ch — confirm live extras
Account number
Switzerland (partner bank Hypothekarbank Lenzburg)
NeoBankDBVerdict
Licence first · score second
7.3
/10 · Solid
neon’s English homepage does the honest sentence most Swiss fintechs hide: your money is held by partner Hypothekarbank Lenzburg and protected by Swiss deposit insurance up to CHF 100,000. neon is the app. HBL is the bank. Alpian is a FINMA bank. Yuh sits on Swissquote Bank Ltd. radicant is closed. If you want the charter in the same legal name as the app icon, this is the wrong file. If you want a cheap CHF account and you accept a shared esisuisse cap with HBL, it is the right one. Swiss residency. Do not treat an App Store tile as a cross-border open.
What it is
neon is the Swiss consumer app that survived the 2025–26 graveyard by staying a front-end. Directories call it a neobank. The partner line is the review.
Best for: Swiss residents who want a zero-fee CHF account and will accept a partner-bank deposit.
Last checked 2026-09-02. Not advice.
What it does well
- +Partner bank named on the homepage
- +esisuisse CHF 100,000 printed
- +Zero-fee headline
- +Honest ‘held by HBL’ copy
What to watch
- −neon is not a FINMA bank
- −Shared esisuisse cap with Hypothekarbank Lenzburg
- −Swiss residency
- −Not Alpian (which is a bank)
Legal entity, not the app icon
Who is behind it
- Legal name
- neon (app) — deposits at Hypothekarbank Lenzburg AG
The product, not the brand colour
The account
- Platforms
- iOS · Android
- Account types
- Personal CHF account
- Partner bank
- Hypothekarbank Lenzburg AG
- Minimum balance
- CHF 0 on the zero-fee pitch
- Lowest monthly fee
- CHF 0 headline
- Availability
- Switzerland
- IBAN country
- Switzerland (partner bank Hypothekarbank Lenzburg)
- Remote open
- Swiss KYC / residency. Not a tourist IBAN mill.
- Salary / payroll
- A CHF IBAN at HBL can take a Swiss salary. Confirm the number neon shows you.
- Local rails
- Swiss SIC / IBAN via HBL
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Personal
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- visa · physical · virtual · Apple Pay · Google Pay
Licence first
Safety
Official: with neon, your money is safely held by partner Hypothekarbank Lenzburg and is protected by Swiss deposit insurance up to CHF 100,000. neon is not the bank. Shared cap with any other HBL account.
Holder / issuer: Hypothekarbank Lenzburg AG
- FINMA (partner bank)Fintech app — deposits at Hypothekarbank Lenzburg AG · Switzerland
Fees
- Monthly
- Zero-fee pitch on neon-free.ch — confirm live extras
- FX markup
- Confirm live (travel card is a SKU)
- ATM
- Confirm live
Features
- ✓IBAN
- ✓Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- CHF account at HBL
- esisuisse via partner
- Zero-fee headline
- Swiss residency
Before you tap Sign up
How to open
Step 1
Name the holder
Hypothekarbank Lenzburg AG. neon is the app. esisuisse CHF 100,000 is at HBL, shared.
Step 2
Swiss KYC
Residency documents as the app asks. Not a cross-border EMI story.
Step 3
Read the cap
CHF 100,000 per depositor per bank. Other HBL accounts count.
Score
- Safety25%
- 7.6
- Fees20%
- 8.8
- Features15%
- 7.2
- App15%
- 8.4
- Global15%
- 4.0
- Support10%
- 7.0
Change log
Full logSafety
neon is not the bank — Hypothekarbank Lenzburg holds the cash
Official: money safely held by partner Hypothekarbank Lenzburg, Swiss deposit insurance up to CHF 100,000.
Available in
Straight answers
FAQ
01Is neon a bank?
neon is not a licensed deposit-taker in the classic sense. Money, if any, sits with Hypothekarbank Lenzburg AG.
02How is money protected?
Official: with neon, your money is safely held by partner Hypothekarbank Lenzburg and is protected by Swiss deposit insurance up to CHF 100,000. neon is not the bank. Shared cap with any other HBL account.
03Where is neon available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with neon.
04Card and wallets?
visa · physical · virtual · Apple Pay · Google Pay
05Can I open neon remotely?
Swiss KYC / residency. Not a tourist IBAN mill.
06Where is the neon IBAN issued?
Switzerland (partner bank Hypothekarbank Lenzburg). The issuing country of the number is not the brand HQ.
07What is the legal name behind neon?
neon (app) — deposits at Hypothekarbank Lenzburg AG. Read the entity on the statement, not the app icon.
08Can I receive salary on neon?
A CHF IBAN at HBL can take a Swiss salary. Confirm the number neon shows you.
09Is neon a bank?
No. Official copy: money is held by partner Hypothekarbank Lenzburg, with Swiss deposit insurance up to CHF 100,000.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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