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Old 11.07.2019, 01:18
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Bank account with quick account balance update?

Hi!!

I recently opened a bank account with neon, and so far it hasn't been a good experience.
Over a week to receive my card, my surname was spelled wrong, even though I provided with my passport and work permit and also wrote it right when I registered online, now I need to wait another week for the new card to come. They also charge me 1 payment twice and said that they made a mistake there. And the worst part, it takes foreeeever to update the account balance, so I never know how much I actually have in my account unless I stop spending money for a week.

All those reasons made me want to join a new bank. What's the best bank with online banking and quick spending update? (if it can send you tects every time I spend, would also be great)
Would also be great if they don't charge, but obviously a good service might come for a price 😂

I look forward to read your suggestions!!
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Old 11.07.2019, 03:00
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Re: Bank account with quick account balance update?

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And the worst part, it takes foreeeever to update the account balance, so I never know how much I actually have in my account unless I stop spending money for a week.
Is this your first bank account? Surely you know that you need to keep track of your balance? It can take longer than a week for some transactions to hit your account and sometimes there are mistakes, so you need to keep track of it!
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Old 11.07.2019, 06:46
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Re: Bank account with quick account balance update?

The speed of account updates actually annoys me too .. I'm with a cantonal bank and it can be days to see transactions appear, even an internal account to account transfer can take 4 hours.

However my credit card issued by the same bank (although managed by viseca) updates instantly, an alert straight to my watch/phone with every spend.

So it's possible..

And yeah - i know how it works both ways, I work for a big bank
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Old 11.07.2019, 08:25
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Re: Bank account with quick account balance update?

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Is this your first bank account? Surely you know that you need to keep track of your balance? It can take longer than a week for some transactions to hit your account and sometimes there are mistakes, so you need to keep track of it!
Can’t say I have any of those problems with my Credit Suisse account. Foreign debit card transactions may take a few days to show up, but that is the same for all banks.

I have notifications set up for transactions from my day to day account. I just looked and you can also set it up to send you a balance notification if your balance exceeds an upper or lower limit and you can ask for daily, weekly, monthly balance updates.

As far as I know, CS don’t offer a free banking service though, if that’s important to you.
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Old 11.07.2019, 14:05
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Re: Bank account with quick account balance update?

Not sure about Neon but you can setup alerts on UBS to give you a notification (either by push or text) every time a transaction hits your account. Only delay are some foreign transactions.
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Old 11.07.2019, 16:38
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Re: Bank account with quick account balance update?

My personal favourite is Raiffeisen. Also got accounts with UBS and CS but from a service perspective Raiffeisen beats them both.
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Old 11.07.2019, 21:49
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Re: Bank account with quick account balance update?

My advice, get a Transferwise bordeless account. Send CHF to your card for free(from a CHF account) and use your Transferwise mastercard anywhere in the world with instant push messages for anything you spend. Best product out there at the moment according to my opinion.
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