N26

N26 is a mobile-first bank headquartered in Germany that offers free EUR accounts and a free Mastercard with no minimum deposit or monthly income requirement. Setup takes minutes through their app, and you can use the account immediately across the EU and beyond. Transfers to and from Swiss accounts work smoothly, though moving larger sums to Switzerland regularly may incur fees.

N26 suits you if you travel frequently, spend time outside Switzerland, or want an uncomplicated second account for euro spending. It's especially practical if you prefer managing money entirely on your phone and don't need Swiss branches or local customer service. However, as a neobank it won't replace a traditional Swiss account for official paperwork or mortgage applications.