I think the lack of Visa debit cards needs to viewed together with the recent history of Swiss retail banking and consumer habits.

Both the banks, by fixing a high commission they take from retailers/merchants, and the Swiss consumers' preference for cash, meant the use and spread of credit and thus debit cards was not as widespread as in many other modern societies.

I remember within the last 20 years when the filling station at the Glarnerland services on the A3 autobahn (Zurich bound) did not accept credit cards!

Eurocard, later replaced by Maestro, had chip and pin capability years before the UK.

I daresay that the lack of a Visa debit card has much to do with the banks here not getting a big enough cut of the action.

Another Swiss banking gripe is that cross-bank cash machines attract a fee. This was introduced some 15 years as I recall.
I am a ZKB (Zurich Kantonalbank) customer and if I wander into nearby Schwiez or Zug, although their Kantonalbanks have nearly the same logos and give the impression of being the same company, the blighters charge me for removing my cash. So in fact I cannot get cash without charge from and ATM except at ZKB ones which are only in the canton of Zurich.

On the plus side, I have the direct number of my personal adviser and I don't have to talk to a call centre in India as I do with LloydsTSB...