Neon vs Revolut: Which is best for you?

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Neon vs Revolut: Which is best for you?

Neon and Revolut are both digital banks. However, they are very different banks. Until recently, they both were very complimentary. But then, something changed!

In January 2020, Neon announced that they removed the fees for payment abroad with their cards. It means that they are now a direct concurrent of Revolut, which everybody uses to save on currency exchange fees.

This new information makes it interesting to compare the two. Do you need Revolut now if you have a Neon account?

So, how can you choose between the two? This article will help you decide by comparing in detail Neon vs Revolut. The comparison will be made on many levels: fees, security, limits…

If you want to know which of Neon or Revolut is better for you, keep on reading!

Note: I will be focusing on the free Revolut account. They have premium accounts as well, but they are out of the scope of this article.

What is Neon?

Great Swiss Digital Bank
Neon
Free

Neon is the best digital bank in Switzerland. And it is free!

Use the F9YMGT code to receive 10CHF for free!

Neon is a Swiss digital bank. Neon is one of the first banks in Switzerland to be entirely digital. It means they have no offices. You can only use Neon with its mobile application.

What makes them very interesting is that they are free. Currently, very few banks are still free in Switzerland. If you use Neon properly, you can use it entirely for free.

Recently, in 2020, Neon announced that it would make currency exchange free as well. Currency exchange was one of the things that were not free before. They are doing this to be more attractive to people who like digital banks. And this is a great move!

Neon is not a bank directly. But when you use Neon, your funds are held by an actual Swiss bank (Hypothekarbank Lenzburg). In practice, this is the same as if Neon was a bank itself. It means that they cannot offer banking services directly, only indirectly. For the final customer, this does not make any difference. The important thing is that your money is protected by law if Neon or the bank holding your assets fails.

If you want more information about Neon, you should read my complete review of Neon.

What is Revolut?

Revolut

Revolut offers a credit card without any fees for currency exchange.

Revolut is a digital bank from the United Kingdom. It is one of the most famous neobanks. They are entirely digital in that they do not have offices open for customers.

Their main feature is their very cheap currency conversion services. Many people use Revolut when they travel to avoid the hefty fees that traditional banks have. For instance, in Switzerland, most banks charge at least 1.5% on each currency conversion. Using Revolut can save you a lot of money!

They have support for a significant number of currencies, and you can use them in most countries. You can even hold money in different currencies in your account. It is an excellent thing if you need to receive money in other currencies. Or if you want to bet on the exchange rates.

Now, Revolut is not a bank per see either. They have a banking license, but they did not implement it yet. And your assets are not held by a bank either, but directly by Revolut. It means that your money will not be protected by law, either. But they have been operating for several years, and it does not seem like they will collapse any time soon. But we never know!

For more information, you can read my complete review of Revolut.

Which is more available – Neon or Revolut?

Let’s compare the availability of both services.

Revolut is available to each country part of the European Economic Area (EEA). It means it is available for 31 countries. And it is also available in Switzerland and the United States.

As for Neon, this is pretty simple. Neon is a Swiss bank and only available to Swiss people. But this makes sense since Revolut is not a bank while Neon is one.

So, for availability, Revolut is clearly the winner.

Which has better support in Switzerland?

Now, let’s compare the support in Switzerland.

Revolut has good support in Switzerland. You can withdraw CHF (although very little for free). And you can use a Revolut card in all shops that accept Mastercard. In Switzerland, most shops are accepting them. Also, Revolut has a Mastercard/Visa and a Maestro, which is sometimes quite useful in Switzerland. You can also send money to your account in CHF directly. Unfortunately, you do not have a personal IBAN.

Neon has excellent support in Switzerland. You can withdraw CHF at any ATM. And you can withdraw significantly more money per month. You can use the cards in the same shops as Revolut without issue. And you can also make transfers in CHF. Finally, you have a personal IBAN so that you can use this for your salary. You do not need to top it up.

In Switzerland, Neon is the winner. Only the fact that it offers a personal IBAN in CHF is a great plus. It is necessary if you want to use it as your primary account. By that, I mean to use it to receive your salary in CHF. Some companies may be willing to use a reference number to pay to your Revolut account. But not all companies will do that.

Money Transfer Services

Neon is primarily a bank in the usual sense, but it recently started offering free currency exchange. So I am going to start comparing payments and transfers between currencies.

With Neon, your base currency is always CHF. And using your card, you can pay in other currencies for free when you are abroad. You can make transfers in different currencies, but this will not be free. Also, you only have a base account in CHF. You cannot receive EUR or USD on your account, for instance.

With Revolut, you have access to the same base services as Neon. However, you can get accounts in other currencies (EUR or GBP, for instance). It is convenient since this means you can receive incoming payments in EUR for free. I do not use this a lot. But it is good to have it.

And with Revolut, you can also do bank transfers in other currencies. I do it regularly for several EUR platforms.

The advantage of Neon is that you get a CHF IBAN. But with Revolut, you will get a personal EUR and GBP IBAN account. And this is helpful.

Finally, you can use Google Pay and Apple Pay with Revolut. But Neon is not yet compatible, although they are working on that.

One cool thing with Revolut is that you can send money directly to other users of the app. This is much faster than doing a bank transfer. This is extremely practical if you know other people using the app. This is currently not possible with Neon.

So for money services, Revolut has more features than Neon. It is logical since they based their entire business upon that. And they have more years of experience than Neon.

Other Services

We can also take a look at other services that the two companies provide.

For Neon, it is straightforward. They have no service other than their banking services.

As for Revolut, they have added many services to their offers.

For instance, with Revolut, you can trade cryptocurrencies directly from the application. They do not offer a real wallet, but it could still be useful for some people. And they also started offering free stock trading to people from some countries.

Revolut also supports the concept of vaults. You can use vaults to save some of your virtual spare changes. I do not think this is very useful. But many people seem to like it.

Another feature that is worth mentioning with Revolut is the use of virtual cards. You can create a new credit card directly from the application. And then you can use it on a website that you do not trust. After you have paid, you can directly delete the card from your Revolut account. It is a great way to protect your credit cards.

So, overall, Revolut has many more features than Neon. However, you may not need so many features!

Neon vs Revolut – Who has higher limits?

It is also interesting to compare the limits of both services.

Revolut has high withdrawal limits. You can withdraw up to 3000 GBP per day (or the equivalent in other currencies). You can spend up to 5000 GBP per 96 hours with the card and up to 30’000 GBP per year.

You can also transfer a lot of money with Revolut. You can transfer up to 100’000 GBP each day and 250’000 GBP each week. The limits are quite straightforward and very high. You also have a limit of 15 transfers per day and 80 transfers per 7 days.

With Neon, you can have up to 24’000 CHF in transactions every day. With your card, you can withdraw up to 1000 CHF each day. You can spend 5000 CHF online and 5000 CHF in stores every day with the card. But there is a monthly limit of 10’000 CHF with the card.

Overall, Revolut has significantly higher limits than Neon. You can withdraw more money and spend more money each month.

Which is cheaper – Revolut or Neon?

Let’s delve into the fees of both services now.

First, both services are free for general usage. You do not have to pay an account fee. It is a great thing!

Let’s start with withdrawals. You can withdraw twice per month for free in Switzerland with Neon. After that, you will pay 2 CHF per withdrawal. Abroad, you will pay 1.5% with Neon. For Revolut, you can withdraw 200 EUR (or equivalent in other currency) per month for free. After this, you will pay a 2% fee on withdrawal.

For withdrawals, I feel like Neon is better than Revolut. The only advantage of Revolut is that you can withdraw 200 EUR per month for free. It can be useful if you travel to Europe. But 200 EUR is not much unless you can avoid paying cash.

And now, let’s delve into currency transfer. By this, I mean usage of the cards to pay in other currencies than your base currency.

With Neon, all currency exchanges with the card are free with the Neon card! If you are going to transfer money abroad from your account, these transfers will be made using TransferWise. So, you will pay 0.40% for Neon, and you will pay the TransferWise fee. Generally, it will account for about 0.8% fee for international money transfers.

Unfortunately, to receive money, the fees with Neon are still high. You will also pay a 1.5% fee when you receive payment in other currency than CHF.

With Revolut, it is a bit more complicated. Under some conditions, currency exchanges are free with Revolut. The same rules apply for both the card and the transfers from the app. First, there is a monthly limit of 1000 GBP. All the amounts higher than this limit will incur a 0.5% fee. During the weekend, there is an extra 1.0% fee as well. And some currencies like UAH (Ukrainian Hryvnias) and TBH (Thai Baht) have higher fees: 1% fee during the week and 2% during weekends.

As for the exchange rates, Neon uses the Mastercard exchange rate while Revolut uses the Interbank exchange rates. Generally, the Interbank rate is slightly better than the Mastercard rate. But it depends on each currency and on the time of the day. Overall, the difference is so small you will not have to worry about it.

Example of exchange fees

Let’s directly compare the prices for a few examples of conversions:

Amount From To Neon Card Neon Transfer Revolut Revolut Weekend
1000 CHF EUR 0 CHF 8.84 CHF 0 CHF 10 CHF
5000 CHF EUR 0 CHF 41.97 CHF 25 CHF 75 CHF
10000 CHF EUR 0 CHF 83.37 CHF 50 CHF 150 CHF
1000 CHF UAH 0 CHF 27.01 CHF 10 CHF 20 CHF
5000 CHF UAH 0 CHF 133.32 CHF 75 CHF 125 CHF

From this table, we can draw two conclusions:

  • For payments by card, Neon is better than Revolut. It is always free, while Revolut is only free for up t0 1000 GBP per month and not free during the weekends. And you do not have to worry about the kinds of currencies.
  • For transfers, Revolut is better than Neon. The 1.5% exchange fee from Neon makes it challenging to make transfers in other currencies. However, Revolut is sometimes as expensive as Neon during the weekend if you use more than 1000 GBP (1250 CHF).

Reputation

You do not want to put your money into a bank you do not know its reputation.

Neon has an excellent reputation in Switzerland. I have never heard any controversy regarding their services. However, we need to keep in mind that it is relatively small. And also, it is relatively new. It was founded in 2017. Neon is significantly younger than Revolut.

On the other hand, Revolut does not have an excellent reputation. For instance, there have been several controversies with Revolut blocking user accounts without reason. They also have been accused of being too lax in preventing money laundering. And finally, some people think they have close ties to the Kremlin.

I never had any issues with Revolut. But taking into account what I hear, I would not keep a large amount of money in my Revolut account. But I am still using it. And I do not think my money is at risk.

So, from a Reputation point of view, Neon has a better reputation than Revolut. But it is a relatively new service, so the reputation may change over time as they have to scale.

Which is more secure? Neon or Revolut?

We also need to take a look at the security of both systems. We will consider two forms of security: insurance in case of bankruptcy and technology security.

First, for insurance in case of bankruptcy, only Neon has any protection. Neon is a Swiss bank. Your money is insured up to 100’000 CHF if something terrible happens to Neon.

On the other hand, your money at Revolut is not insured. Revolut has a banking license, but they did not implement it yet. If Revolut fails, your money is most likely lost.

As for technical security, both banks are using MasterCard 3D Secure (3DS) technology. It means that on some websites, they will ask you a question (generally an SMS code or a password) to secure the transaction. It is to protect you from lousy usage of your credit card. It is a great thing and is a must for each credit card.

From a technical point of view, both banks offer the same level of safety. However, there is more risk with Revolut since your money is not insured. If Revolut goes bust, you will lose your money. On the other hand, your cash at Neon is insured up to 100’000 CHF.

Given that, I would say that Neon is safer than Revolut.

To improve your online security, learn about nine things you can do to secure your online personal finances.

Neon vs Revolut Summary

We can now summarize the different points of our comparison in this table:

Point Revolut Neon
Availability Best Good
Switzerland Support Good Best
Card fees Good Best
Transfer Fees Good Worse
Free Withdrawals Okay Best
Transfer Speed Good OK
Transfer in other currencies Best Bad
Currency Support Good Good
Limits Best Good
Customer service Worse OK
Features Many features Few features
Mobile application Good Good
Web application Good None
Stability OK OK
Security Good Good
Reputation Bad Good

Overall, we can see that both services have strengths and weaknesses.

To spend money abroad with the card, Neon is a perfect candidate. It is always free to make payment with other currencies with the Mastercard.

However, Neon does not let you hold other currencies. And it does not let you transfer money for free in other currencies than CHF. For this, Revolut is clearly much better.

Here are the main differences between Neon and Revolut:

  • Neon currency exchanges are always free when paying with the card!
  • Your money on Neon is insured up to 100’000 CHF!
  • Bank transfers in other currencies are cheaper with Revolut
  • Revolut lets you hold money in many currencies
  • Revolut has more features
  • Revolut has higher limits than Neon
  • Revolut has a web application while Neon only has a mobile application

Neon vs Revolut Conclusion

Great Swiss Digital Bank
Neon
Free

Neon is the best digital bank in Switzerland. And it is free!

Use the F9YMGT code to receive 10CHF for free!

Neon and Revolut are quite different. However, there are many advantages to Neon. Since it is a real bank, you can keep your money there and directly use your single credit card. It means you will not need to have a bank and a travel credit card.

For most people in Switzerland, Neon is better than Revolut. Your money will be insured, and you can use it as your main bank account in Switzerland. Then, you only need to take your usual card when you go abroad. It is a great thing! But you need to keep in mind that the limits are lower than Revolut.

Revolut

Revolut offers a credit card without any fees for currency exchange.

But there are still some cases when Revolut is better than Neon. If you want to hold different currencies, you will need Revolut. Neon only lets you hold CHF. And secondly, if you want to receive money in other currencies (EUR or GDB, for instance), you will need Revolut as well. Finally, if you need to do transfer in other currencies, you will need Revolut too!

For instance, I sometimes receive some money in GBP and EUR from various services on the internet. It means I will need to keep my Revolut card.

I plan to keep using both services. However, I will probably not need to use my Revolut card anymore. I will use the app and use it to send money and receive money in other currencies. But I should not need to take the card when I am abroad.

Regardless of Neon vs Revolut, having a travel card can save you a lot of money. And this should be an essential part of your credit card strategy. It is likely the thing that can save you the most money with your credit card usage.

And finally, if you use Neon or Revolut, you will not get any cashback in Switzerland. This is where you still need a second (or third) credit card. You can read about my credit cards to see what you could use.

What about you? Do you use Neon or Revolu? Or both?

Mr. The Poor Swiss

Mr. The Poor Swiss is the author behind thepoorswiss.com. In 2017, he realized that he was falling into the trap of lifestyle inflation. He decided to cut on his expenses and increase his income. This blog is relating his story and findings. In 2019, he is saving more than 50% of his income. He made it a goal to reach Financial Independence. You can send Mr. The Poor Swiss a message here.

45 thoughts on “Neon vs Revolut: Which is best for you?”

  1. In chapter Examples of exchange fees, you state that:
    For transfers, Revolut is significantly better than Revolut.
    That is not necessarily the truth. Probably 2nd Revolut is to be replaced by Neon.

    In chapter Reputation you praise Neon (starting with “Neon has an excellent reputation in Switzerland.”) and only mention as the potential drawback that the service is new. Then in the Neon vs Revolut Summarry you list both services’ reputaions as Bad. Makes no sense.

  2. I use Revolut and Neon also but I use Revolut as a proxy for my swiss credit card. I have the chargeback cards from swisscard and if you pay with them abroad, you have to pay an exchange fee. I use the CB Mastercard to top up my Revolut account and I pay with the Revolut card abroad.

    1. Hi Andras,

      You can indeed use both, this is what I am doing too. By CB you mean Cembra? It’s indeed quite good to be able to top up Revolut with a credit card and then use Revolut abroad for free! This is something that we cannot do with Neon.

      Thanks for stopping by!

      1. You only can send money to your neon account by domestic payment via bank account? Not with your debit/credit card like with revolut? Thanks in advance for clearing up.

  3. What about Transferwise? I’ve been using their transfer and card services for a few years. Their fees are pretty low I believe.

    1. Hi French,

      I have also compared TransferWise and Revolut.
      TransferWise is an interesting option. The only issue is that it’s never free, there is 0.3% fee on all transfers. But if you need to transfer more money than Revolut free limits, then TW is a really good option.
      Both TW and Revolut can hold foreign currencies and make bank transfers in other currencies. This is not possible with Neon.

      Thanks for stopping by!

  4. Hey Mr., congrats for the blog, I’ve been reading it for a while and have been learning lots of useful tips :-)

    In regard to this topic, I’m wondering if there are fees or not for using the neon credit card to buy on the internet in other currencies?

    Let’s say I buy in amazon France or Germany for example, or paying for hotels or renting cars on the internet:
    Would there be fees for that with the neon credit card?

    1. Hi Felipe,

      Yes, it is also free on the internet. I have not tested it, but according to their pricing pages, it will be free.
      Normally, cards do no discriminate between purchases on stores or on the internet. What is important is the currency and the location of the seller.

      Be careful for renting cards that something they ask for a deposit and many of them are refusing debit cards. They only want a credit card for that.

      Thanks for stopping by!

    1. Hi Jg,

      Yes, they have a Swiss IBAN. But they do not offer you a personal Swiss IBAN. You need a reference number. This means you won’t be able to get your salary to it for instance.

      Thanks for stopping by!

  5. Hi, we’ve been binge reading your site with my boyfriend because are are trying to learn as much as possible about investment and start investing asap. Thanks for the content!
    I realize this may be a comment under a wrong topic but I was not sure how else to reach you. In light of USA funds like Vanguard no longer being available to Swiss investors, do you think going with an actively managed fund at one of Swiss banks such for instance UBS and choosing a fund which has USA focused equities could be an alternative? E.g. UBS strategy fund focused on world/USA equities? Why yes or no?

    We were quite set on going for Vanguard via IB or Degiro but it doesn’t seem to be an option anymore so we are unsure.

    I am sorry if the question stupid and/or in wrong place/under wrong article(s) and thanks in advance if you decide to reply.

    1. Hi Bluebell,

      For next time, you can use the contact page if you have a question unrelated to a post :)

      So, U.S. Funds are still available to Swiss investors, but only on Interactive Brokers, not on DEGIRO. And Vanguard has European funds that are still available in Europe through DEGIRO for instance.
      And no, you should not use UBS funds or any other Swiss banks for that matter. Their fees are simply too high.

      So, you can still go with Vanguard U.S. Funds on IB or Vanguard EU Funds on DEGIRO.

      Thanks for stopping by!

  6. Hi and thank you for all your articles!
    Every month I have to transfert about 1000 chf to an eur bank account .
    My ubs bank is applying a big fees.
    I would like to have your opinion how is the best way to save some money .

    Thank you

    Giuseppe

    1. Hi Giuseppe,

      What I would do is use Revolut. You can transfer your 1000 CHF from UBS to Revolut and then convert it to Euros and then sent to Eur bank account.
      Neon will not help you for that.
      You could also use Interactive Brokers if you do not want to trust Revolut for such amounts.

      Thanks for stopping by!

  7. Hello,
    I’ve been with Zuger Kantonalbank for a good number of years now and have always been pleased with their service, but it’s certainly not free, and moving to Neon would probably save me in the region of CHF 200 per year. This would mean giving up my Maestro card, as Neon doesn’t use them. Do you find this is much of a problem? I know pretty much every company has moved away from imposing credit card surcharges but there are a few places where Maestro cards are accepted and credit cards aren’t.
    Have you found it to be much of an inconvenience?
    Also, there’s a piece of me that feels the general move to credit cards impacts smaller businesses negatively. I’m aware that’s not a question, just me putting a thought out there.
    Many thanks for your excellent website!

    1. Hi Expat Teacher,

      I have not found this to be much of an issue these last few years. It’s true that some administrations are only accepting Maestro cards and not credit cards. But this is getting increasingly rare.
      I have had to use a Maestro card once in the last five years.

      It’s true that small businesses do not like credit cards much. You could always pay them cash if you wanted to (inconvenient of course).

      You could also use Migros Bank which is free if you have 7500 CHF on your account. And they have a Maestro card.
      Or, you could give a try to Zak which provides a Maestro (if you speak one of the Swiss languages). I am planning to talk about it on the blog soon. You can use my code JJB3HN to get 25CHF free.

      Thanks for stopping by!

  8. Thanks for the detailed comparison. One thing I missed is what foreign exchange rate do they use? Revolut has interbank exchange rates which seem very good. Does Neon use Mastercard FX rates or also interbank rates?

      1. I am confused. On the Neon website, it says they use the interbanking rate. Which rate does Neon use in the end (to withdraw money from ATM and to pay by card)? Thanks

        1. Hi Sylvain,

          Indeed, it’s weird. Their PDF mentions the Mastercard rate but their webpage mentions the interbank rate. So, I actually do not know which one they use.
          I will try to get an answer.

          Thanks for stopping by

  9. Very good, many thanks, with one thing missing I gess and it is the P2P transfer: Revolut has it for Revolut people only though, Neon doesn’t have it.
    Another thing is that Neon doesn’t have .csv (Excel) transactions export for the statements, only .pdf (to import in personnal finance app for example).
    This said and like you, I have and use both alternatively.

    1. Hi Guy,

      That’s a good point. You can transfer money directly to other users with Revolut and you can’t with Neon (I believe it’s coming though). I will mention that in the article.
      I did not know about the difference in file export. I am not using any export feature.

      Thanks for stopping by!

  10. Hi Mr. thanks for your great Blog. :-)

    I want to transfer 80’000 CHF from my UBS to my EUR N26 account. What would you do? with Transferwise or Revolut way?

    1. Hi Myfri,

      Thanks for your kind words :)

      I would definitely not use Revolut for such an amount.
      I have much more trust in TW, but I am still not sure I would use it on such an amount.

      I think I would make the transfer directly from USB to N26. I would first check the fees of UBS. But it should be relatively cheap to make a EUR transfer from UBS.
      You can also check on Monito which way is cheaper.

      Thanks for stopping by!

  11. One thing to consider: Revolut has a wider range of accepted citizenships than Neon does. Most notably, those who are stricken with US citizenship cannot use Neon, whereas Revolut is fine.

  12. Hi, i really glad for this article. I like it. But i still can’t decide which bank i choose.. And for me it’s a little more complicated bc now i have an L permit and i dont know if for Neon its ok or not. Can u tell me your opinion or idea?
    Thank you

    1. Hi Diana,

      If you are looking for a bank to get your salary in, you should not consider Revolut. This article is here to choose between Neon vs Revolut as a travel card. But for a bank account in CH, only Neon would work. They have a personal CH IBAN and protection for your assets which Revolut does not have.
      Regarding the L Permit, I would think it’s enough with Neon, but I am not sure, you can try the registration and see if it works.

      Thanks for stopping by!

  13. I think you should explore the DKB account possibility and compare Neon against it. Based in Germany, but you can be a client from Switzerland, it offers a free online banking account in EUR, with a credit card and a Maestro card.

    I personally started using because … when is a bank giving money for free :) ? But I did not yet use any of its services.

  14. Hi All,

    Love reading these, they are a big help!
    I have a theoretical question regarding money transfers since reading here about Neon and Revolut. If I (1) get my monthly salary paid to a Neon account and then transfer a portion of it to Revolut (CHF, circa 3500CHF) followed by (2) transferring my salary that is now in Revolut (CHF) to Revolut (EUR) (3) transferring my salary that is now in Revolut (EUR) to an established ‘bricks and mortor’ bank in EUR, would this be the most cost effective way to transfer money?

    1. Hi Conor,

      Thanks, I am glad you like them.

      1) Would be free indeed
      2) Would not be free because there is a monthly limit for free conversions in Revolut. 1250 CHF will be for free and the rest will be charged 0.5%.
      3) Should be free if the two are using a standard EUR transfer

      Either Revolut or TransferWise in this case would be effective in this case for transferring money.

  15. Nice comparison! One question – when I top up my Revolut Card from my Swiss bank credit card (for example, Postfinance), does that amount count for cash back by the bank? With that, all purchases by Revolut card would be indirectly subjected to cash back, which would be nice.

    1. Hi Ilya,

      It used to be the case with the Mastercard from Cumulus, it should be the case for the credit card from PostFinance as well.
      I do not know if it changed though. I have not used my Revolut in a while now.

      Thanks for stopping by!

      1. Ok that means you are giving up on cash back from all your purchases abroad (also over internet – Amazon etc) as you are using your Neon card for that.

        1. Hi Ilya,

          Yes, that is correct. I know it’s not optimal, but I would generate maybe 20-25 CHF per year in bonus by doing so. It’s not worth my time filling my Revolut, checking the cashback, checking the fees and use my Revolut for all purchases with foreign currencies.
          For me, using the Neon card with foreign currencies is simply easier for everything.
          But again, that’s a decision I made. If you want the optimal way, you could charge your revolut, makes some cashback and use your Revolut more.

          Thanks for stopping by!

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