[hiq]

> Try to bank in Switzerland, it is so 1980ties...

What do you mean by that? In a way it's not retro enough (for me?), I currently have an account that can only be accessed via a mobile app (e.g. no website). See for instance https://www.neon-free.ch/en/

You can open an account fully online from your home, I don't think you even have to mail anything.

[ThePadawan]

Fully agree with both you and parent. I'm in the process of switch from Credit Suisse to Neon.

Opening an account with Neon is the simplest thing ever.

I'm still on the phone weekly with CS to even attempt to make them do anything I've ordered them to.

Three weeks ago, they sent me a letter to confirm that my email address was authorized to make orders. I sent that back with the enclosed envelope. 4 days later, they called me to confirm my order. I did (verbally). They called back 10min later to confirm again. I confirmed again.

It has been two weeks since that phone call and the transfer has still not been completed.

[ornornor]

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.

[hiq]

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.

[muro]

I have 0 issues with canton banks, e.g. ZKB, works perfectly.

[dijonman2]

Are mobile only systems popular or trending? I am not a fan of mobile apps, kind of annoying. I’d use a dumb flip phone if I could.

[hiq]

I think it's becoming increasingly popular to only develop mobile apps: they are basically required at this point so no way to avoid the corresponding costs, while companies might save money on other entry points (physical, websites). Ideally you'll get some of these savings back via lower fees, but it definitely makes the loss or theft of a phone way more of a problem than it used to be.