[dafrie]

And I pay 0 swiss francs for an account + card (you need more than 25k of assets, else its 5...But any product such as third pillar retirement funds count!) with unlimited transactions and cash-withdrawal at any ATM. You probably have to shop around.

The reason why banks are charging now for simple accounts, is that since we have negative interest rates (the lowest in the world), its actually damn difficult for banks to make a profit now with normal accounts since the traditional business model of the difference in interest rates is now actually reversed (the target rate is negative, yet on my account I have 0%...).