There is quite a gap between the incumbents and “neo banks” in CH.
Neo banks are more modern and convenient but only compared to traditional banks within CH: spotty online bills support, no twint (or prepay twint), money transfers only occur once a day at 10am on banking days, customer service open from 9 to 5… Banks in CH are hilariously bad (and expensive), and it’s a shock because you always have this image that Switzerland banks must be amazing. Nope, far from it.
I feel like if I need customer service for basic banking services (as these banks are supposed to provide), I'm already at the wrong place.
For the rest I guess it's things I don't personally care about, so while it could be better (I have a EUR account for which my recipients get transfers within hours), I don't really notice it in practice.
Neo banks are more modern and convenient but only compared to traditional banks within CH: spotty online bills support, no twint (or prepay twint), money transfers only occur once a day at 10am on banking days, customer service open from 9 to 5… Banks in CH are hilariously bad (and expensive), and it’s a shock because you always have this image that Switzerland banks must be amazing. Nope, far from it.