I think Swiss internet banking is actually behind Australia, and Australia is behind the Netherlands. Some things here are still really old fashioned as well.

For example, if you regularly make payments to the same person, but the amount is unpredictable every time, and you must thus manually enter it, there is no address book that preserves that person's info. This is with UBS, and from memory Postfinance does not have this either.

I find this extremely annoying as you have to enter this very long IBAN and the other details every time, but overseas banks have had this facility for years.

Otherwise, take the bank that fits your income, the Swiss say. I would say UBS is for mid to high range incomes, Postfinance for mid-range, and COOP and Migros banking for people who do not have constant cash up to 10k in their account. Apparently the service also mirrors your bank balance with Swiss banks. But correct me if this impression is not correct. It does fit my own impressions so far though.

The same applies tot permits, the better your permit, the nicer they will treat you (L, B, C and passport in order of increasing smiles).

Oh, for people outside CH, if you see the words private banking, this means, do not bother asking until you have a 7 figure amount to store with the bank. If you do, you get a private banker, but then you probably would never be reading this thread anyway...