Go Back   English Forum Switzerland > Help & tips > Finance/banking/taxation  
Reply
 
Thread Tools Display Modes
  #21  
Old 13.04.2017, 18:29
Member
 
Join Date: Jul 2007
Location: Kindhausen
Posts: 132
Groaned at 6 Times in 5 Posts
Thanked 69 Times in 37 Posts
PitBull has earned some respectPitBull has earned some respect
Re: Swiss bank with best online banking

Quote:
View Post
I use PF, UBS and Raiffeisen e-banking. PF is "prettier" and Raiffeisen is not available in English, PF and UBS use a card-reader, whereas Raiffeisen can be accessed via an SMS login code, but they're all much of a muchness really.
UBS has an iPhone (probably also Android) Acces app - works fine.

CS has a mosaic-based secure login app on iPhone (again probably also on Android) - work fine (very fast).

Post Finance has a login app but I think it only works with a Swisscom phone SIM.
Reply With Quote
  #22  
Old 13.04.2017, 19:49
Tilia's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: ZH
Posts: 2,754
Groaned at 77 Times in 43 Posts
Thanked 2,649 Times in 1,194 Posts
Tilia has a reputation beyond reputeTilia has a reputation beyond reputeTilia has a reputation beyond reputeTilia has a reputation beyond reputeTilia has a reputation beyond reputeTilia has a reputation beyond repute
Re: Swiss bank with best online banking

I know PF, UBS and CS internet banking and I prefer CS.
Reply With Quote
  #23  
Old 13.04.2017, 20:55
Forum Legend
 
Join Date: Aug 2015
Location: Zurich
Posts: 5,019
Groaned at 277 Times in 162 Posts
Thanked 5,671 Times in 2,591 Posts
ZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond repute
Re: Swiss bank with best online banking

Quote:
View Post
you should define your requirements better.
what is "the best"?
most reliable, most user friendly, best mobile app?
And most suited to your investments?
Reply With Quote
  #24  
Old 17.04.2017, 22:24
robogobo's Avatar
Senior Member
 
Join Date: Sep 2008
Location: Horw (LU)
Posts: 486
Groaned at 67 Times in 42 Posts
Thanked 399 Times in 207 Posts
robogobo has a reputation beyond reputerobogobo has a reputation beyond reputerobogobo has a reputation beyond reputerobogobo has a reputation beyond repute
Re: Swiss bank with best online banking

If you just want a straightforward opinion, I think Postfinance is all around the best for online banking and up to date technology. Their MobileID tech now works with Sunrise as well as Swisscom.

The only criticism I have is that they're still not on board with ApplePay, but hardly anyone is just yet.
Reply With Quote
  #25  
Old 18.04.2017, 08:20
NickGB's Avatar
Forum Veteran
 
Join Date: Apr 2011
Location: Zug
Posts: 981
Groaned at 10 Times in 10 Posts
Thanked 1,304 Times in 517 Posts
NickGB has a reputation beyond reputeNickGB has a reputation beyond reputeNickGB has a reputation beyond reputeNickGB has a reputation beyond reputeNickGB has a reputation beyond repute
Re: Swiss bank with best online banking

Quote:
View Post
Thank you for asking!
In a few words: it feels not yet perfect for the 'intuitive' use. Let's face it, noone reads instructions or sits down with the bank account manager for a crash course on online banking...
Natwest comes to mind - somehow felt less 'busy' and clear... Or maybe it's just me and my FW problems...
Ah ha! I use both and I must say that the CS took me a bit to get used to after Natwest, but now I find it much better than the Natwest one. The Natwest one looks simpler, but in reality, when you get used to CS it actually is much more intuitive. (Try printing a year end statement on the Natwest system!)
My advice, if you are new with the CS system, is to give it a chance.
Reply With Quote
  #26  
Old 28.07.2017, 13:46
Shires bird's Avatar
Member
 
Join Date: Oct 2012
Location: Aargau
Posts: 205
Groaned at 1 Time in 1 Post
Thanked 145 Times in 74 Posts
Shires bird has earned some respectShires bird has earned some respect
Re: Swiss bank with best online banking

I am a bit surprised no one has commented on Migros Bank yet. They used to have E-banking with a key and it was just fine. Then this year they switched to a "sign your transaction on a second device" model and it is really awful. When you call the technical support the reply is "isch komisch". I moved yesterday to another bank. 2.5 hours to pay 3 bills was the last straw for me.
Reply With Quote
  #27  
Old 28.07.2017, 14:11
Newbie
 
Join Date: Jul 2017
Location: Schaffhausen
Posts: 1
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
Kriper has no particular reputation at present
Re: Swiss bank with best online banking

I use CS and I think it is quite ok.

Positives

- Easy interface

- Good functionality

- Good overview

Negatives

- You can't transfer money between your own accounts in the weekend and have to wait till Monday. Hopeless when you travel and want to keep a minimum amount of money on your account linked to your ATM card.

- Payment history only goes back 45 days
Reply With Quote
This user would like to thank Kriper for this useful post:
  #28  
Old 28.07.2017, 15:37
Shires bird's Avatar
Member
 
Join Date: Oct 2012
Location: Aargau
Posts: 205
Groaned at 1 Time in 1 Post
Thanked 145 Times in 74 Posts
Shires bird has earned some respectShires bird has earned some respect
Re: Swiss bank with best online banking

Quote:
View Post
I am a bit surprised no one has commented on Migros Bank yet. They used to have E-banking with a key and it was just fine. Then this year they switched to a "sign your transaction on a second device" model and it is really awful. When you call the technical support the reply is "isch komisch". I moved yesterday to another bank. 2.5 hours to pay 3 bills was the last straw for me.


I have just had the technical support again on the phone and they tell me that several hundred customers of Migros bank were affected by a router change made at Cablecom. So those with Cablecom internet and Apple products who find the system far too slow need to ask Cablecom to change the router channel back. I hope that helps someone.
Reply With Quote
  #29  
Old 29.07.2017, 08:12
Junior Member
 
Join Date: May 2013
Location: Zürich
Posts: 42
Groaned at 0 Times in 0 Posts
Thanked 15 Times in 11 Posts
bowthy has no particular reputation at present
Re: Swiss bank with best online banking

+1 for Post Finance. Their online banking (pc and mobile) is great. Easy to use, supports German, French, Italian and English.
Reply With Quote
  #30  
Old 02.01.2020, 11:18
Newbie
 
Join Date: Aug 2012
Location: Biel
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
davidbag has no particular reputation at present
Hi!
I saw that almost all messages are a little bit older! and I thing that since then somethings have changed at UBS Online banking and CS Online Banking!

CS and UBS
- is it now possible transfer between own accounts everyday of the week?
- e-billing?
- Easiest Log-In? I will not bring all the time cards, and codes and all stuff with me to be possible to log-in... which one is better?
-Easiest app to work with?

Best regards,
David Gonçalves

Quote:
View Post
I'd be really interested to hear what's exactly wrong with CS and UBS online banking. Having worked on engineering both, and having used both as an active customer, I hardly can imagine how any other bank can be better for online customers
Comparing with SwissQuite, for instance (have used it, too)
But with one for you is it better? CS or UBS?

At this moment UBS seems to be better bank... more stable than CS, but what I am looking is... best app to work with, easiest way to log-in and cost effective of course... if I have problems send messages and quick answers... all that stuff...

I need to open a new account and I don't know in which one! because I don't have any acknowledge of the app... Postfinance to find a transfer, to look for what you have done, etc... it is a pain...

Last edited by roegner; 02.01.2020 at 12:08. Reason: Merging consecutive posts
Reply With Quote
  #31  
Old 02.01.2020, 12:37
Member
 
Join Date: Jul 2007
Location: Kindhausen
Posts: 132
Groaned at 6 Times in 5 Posts
Thanked 69 Times in 37 Posts
PitBull has earned some respectPitBull has earned some respect
Re: Swiss bank with best online banking

Hi David,

I believe both CS and UBS allow internal xfers every day inc. weekends.

Both always had eBilling (at least - since I've used them - 15+ years for CS, 5+ for UBS).

Logins have definitely improved: both have a mobile app option:

- CS uses a multi-coloured dotted square called SecureSign - works very well, gives you a 6-digit auth code you need to input.

- UBS uses a more standard QR code, also works very well, needs your login PIN, then logs in automatically. Sometimes still need to use the UBS card reader and access card for some function that you haven't done before - not sure why they don't handle this another way.

Funnily enough I just tried logging in to both: CS all good, UBS has some technical issues and is not displaying everything - which I do see rather more often than I would have expected (nowhere near UK TSB-bad, but annoying all the same).

You could also consider Post Finance: also a good option, also available in English, login is clunky though: username+password + card reader+card which gives you a 9-digit (3-triplet) auth code - can instead use their mobile app for logins, or Swisscom Mobile ID.

I do see more issues with Post Finance than CS/UBS though - seem to be more frequent issues with some or all functionality unavailable - in fact just logged in, that was fine, but cannot access the settings as it's timing out.

I'm not into mobile banking myself, but they all have fully functional mobile banking apps. They also all support TWINT (online and in-store payments).

I'm actually in the process of transitioning back to CS for my main banking and will close UBS in due course.

Hope this was some help.
Reply With Quote
  #32  
Old 02.01.2020, 16:53
Newbie
 
Join Date: Aug 2012
Location: Biel
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
davidbag has no particular reputation at present
Re: Swiss bank with best online banking

Thank you for you quick answer!
And about each online banking! with one is more intuitive, easier?
I see that UBS online banking has more troubles that CS!
With the advance of technology I thought that both, at least both, had a better way to login!something that you do not bring with you all the time! every time that you want to access to you banking account you need the "calculator" or a paper with a code, or what else!
Postfinance uses a kind of calculator, or that Mobile ID... Mobile ID is simple to use, but Postfinance... it is not simple to use! they change a lot, today is one place another day another place...
I don't know! I am trying to see which one is better, since having an account in Switzerland costs more than 200CHF/year which is expensive...

And if I pay... we need to find the better one!
Reply With Quote
  #33  
Old 02.01.2020, 16:56
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 11,063
Groaned at 363 Times in 304 Posts
Thanked 13,904 Times in 6,485 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: Swiss bank with best online banking

Never had any issues with UBS. Yes, if you pay to a new bank account, the system asks for a verification code. That is for safety reasons.

Other than that I just log in with a QR code.
Reply With Quote
  #34  
Old 02.01.2020, 17:28
NotAllThere's Avatar
Forum Legend
 
Join Date: Oct 2008
Location: Baselland
Posts: 13,246
Groaned at 216 Times in 191 Posts
Thanked 19,325 Times in 7,864 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: Swiss bank with best online banking

Quote:
View Post
CS and UBS
- is it now possible transfer between own accounts everyday of the week?
- e-billing?
- Easiest Log-In? I will not bring all the time cards, and codes and all stuff with me to be possible to log-in... which one is better?
-Easiest app to work with?
Yes
Yes
I find UBS mildly easier as an app and for log in.
Reply With Quote
  #35  
Old 02.01.2020, 18:15
Guest
 
Posts: n/a
Re: Swiss bank with best online banking

Unless you got BIG money, try the cantonal banks, they are usually cheapest and do just about all the big ones do albeit possibly slower.


Saying that i have BCV & UBS foe ny business accounts BCV is far easier, quicker and cheaper that UBS
Reply With Quote
  #36  
Old 02.01.2020, 18:43
venetian's Avatar
Senior Member
 
Join Date: Jun 2016
Location: Zuerich
Posts: 451
Groaned at 2 Times in 2 Posts
Thanked 501 Times in 241 Posts
venetian has a reputation beyond reputevenetian has a reputation beyond reputevenetian has a reputation beyond reputevenetian has a reputation beyond repute
Re: Swiss bank with best online banking

Quote:
View Post
Postfinance uses a kind of calculator, or that Mobile ID...
The calculator will be phased out, as far as I understand.
You can use Mobile ID, or the authentication via the Postfinance app. The latter can use the fingerprint reader on your mobile phone, so you have absolutely zero codes to remember.

Quote:
Mobile ID is simple to use, but Postfinance... it is not simple to use! they change a lot, today is one place another day another place...
I am not sure they're changing SO frequently... I have it since 2016 and I don't recall that many changes, or at least not so big. On the other side I must admit I use frequently just a few basic features, it's possible that other features change more often.
Overall, I like their interface very much, I rarely have troubles doing what I want to do. At the moment I would not jump ship, after some comparison I ended up staying even when they introduced the 50 CHF/year fee on the accounts.
Reply With Quote
  #37  
Old 02.01.2020, 18:46
NotAllThere's Avatar
Forum Legend
 
Join Date: Oct 2008
Location: Baselland
Posts: 13,246
Groaned at 216 Times in 191 Posts
Thanked 19,325 Times in 7,864 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: Swiss bank with best online banking

I hope all these apps are securely written...
Reply With Quote
  #38  
Old 02.01.2020, 19:37
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 11,063
Groaned at 363 Times in 304 Posts
Thanked 13,904 Times in 6,485 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: Swiss bank with best online banking

Quote:
View Post
The latter can use the fingerprint reader on your mobile phone, so you have absolutely zero codes to remember.
How does that work with apple phone 11? Nothing for a fingerprint
Reply With Quote
  #39  
Old 02.01.2020, 19:46
venetian's Avatar
Senior Member
 
Join Date: Jun 2016
Location: Zuerich
Posts: 451
Groaned at 2 Times in 2 Posts
Thanked 501 Times in 241 Posts
venetian has a reputation beyond reputevenetian has a reputation beyond reputevenetian has a reputation beyond reputevenetian has a reputation beyond repute
Re: Swiss bank with best online banking

Then you can use Face ID:
https://www.postfinance.ch/en/privat...t-face-id.html
Reply With Quote
This user would like to thank venetian for this useful post:
  #40  
Old 03.01.2020, 13:41
Member
 
Join Date: Jul 2007
Location: Kindhausen
Posts: 132
Groaned at 6 Times in 5 Posts
Thanked 69 Times in 37 Posts
PitBull has earned some respectPitBull has earned some respect
Re: Swiss bank with best online banking

Quote:
View Post
And about each online banking! with one is more intuitive, easier?
Not much different tbh - they all work pretty well, menus are pretty obvious, you don't need to be a rocket scientist to use them.

Quote:
With the advance of technology I thought that both, at least both, had a better way to login!something that you do not bring with you all the time! every time that you want to access to you banking account you need the "calculator" or a paper with a code, or what else!
This is basically 2FA and a part of their security measures - they are a good thing and to be applauded. I'd be more concerned with a bank that didn't use them.
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Advice on best bank to bank with from Canada/UK LAP5150 Finance/banking/taxation 2 16.07.2016 10:30
Best Bank for Mobile Phone Banking fbw Finance/banking/taxation 4 16.06.2016 11:19
best swiss bank to have an account with lolla Finance/banking/taxation 31 06.01.2016 09:56
Credit Suisse - Issues with Online Banking sridhar Finance/banking/taxation 3 28.07.2011 13:48
Online Swiss banking - In the US TheForeignField Finance/banking/taxation 3 12.04.2010 15:10


All times are GMT +2. The time now is 17:55.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0