Back to Codex
Finance

Kontoführungsgebühr

Account Management Fee

Simple Definition

Monthly or annual administrative fee charged by traditional banks just for having an account.

Why this matters to Expats.

Swiss banking is NOT free by default. Traditional banks charge CHF 5-30/month unless you keep a high balance (e.g. >CHF 10k). This shocks expats used to "Free Banking".

Actionable Intelligence

Neo-Banks: Apps like Neon, Yuh, and Zak have effectively zero base fees. They are the best choice for everyday spending.

All-in-Fee: Beware of "All-in" packages that bundle credit cards you don't need. Unbundle to save money.

Frequently Asked Questions

Do students pay?

Usually no. Student accounts (Campus) are free up to age 25-30.

Is it tax deductible?

Depending on the canton, small administration fees might be deductible (Vermögensverwaltungskosten), but usually not simple account fees.

Confused by Swiss Insurance?

Don't overpay on your Franchise. Our calculator finds your sweet spot in seconds.

Compare Now