Certo! credit cards, neon and Yuh debit cards: compare fees in CHF, exchange costs, cashback and insurance.
This comparison examines 7 cards in Switzerland, among them Certo! Mastercard World, Certo! One Mastercard World, Yuh Debit Mastercard, neon free, across the Mastercard networks. Three things genuinely separate one card from another, and the annual fee is only the first: next come the bundled insurances, trip cancellation, medical cover abroad, baggage, purchase protection, whose value often exceeds the fee as soon as you travel, and foreign exchange charges, which quietly cost 2 to 3 per cent of every purchase in another currency with traditional issuers and nothing at all with the neobanks. Payment and withdrawal limits matter too, and they are negotiable. The table compares them line by line, without an overall score: the right card for a frequent traveller is not the right card for someone who rarely leaves home. Anyone going abroad twice a year usually saves more with a no-foreign-fee card than a premium card's insurance ever returns in claims.
Select 2 to 4 cards to compare side by side.
Mastercard
| Criteria | Certo! Mastercard World Standard | neon plus Standard | neon metal Premium+ |
|---|---|---|---|
Annual Fee | Free, no annual fee | CHF 2/month | CHF 15/month |
Payment Limit/mo | Within credit limit | Up to balance (debit card) | Up to balance (debit card) |
ATM Limit | Within credit limit | 2 free withdrawals a month in Switzerland | 5 free withdrawals a month in Switzerland |
Travel Insurance (medical) | Not stated | Not stated | Travel insurance included |
Trip Cancellation Insurance | Not stated | Not stated | Not stated |
Luggage Insurance | Not stated | Not stated | Not stated |
Purchase Protection | Not stated | No credit protection (debit) | Cyber and shopping insurance |
Car Rental Insurance | Not stated | Not stated | Not stated |
Concierge Service | Not stated | Not stated | Not stated |
Airport Lounge Access | Not stated | Not stated | Not stated |
Cashback / Rewards | 1% at Migros, Coop and SBB, 0.25% elsewhere, credited quarterly | Not stated | Not stated |
International Acceptance | Very wide (Mastercard network) | Very wide (Debit Mastercard) | Very wide (Debit Mastercard) |
Overview of all cards. Scroll horizontally on mobile.
| Criteria | Certo! Mastercard World Standard | Certo! One Mastercard World Standard | Yuh Debit Mastercard Standard | neon free Standard | neon plus Standard | neon global Premium | neon metal Premium+ |
|---|---|---|---|---|---|---|---|
Annual Fee | Free, no annual fee | Free, no annual fee | Free (new physical card: CHF 20) | Free | CHF 2/month | CHF 8/month | CHF 15/month |
Payment Limit/mo | Within credit limit | Within credit limit | Up to balance (debit card) | Up to balance (debit card) | Up to balance (debit card) | Up to balance (debit card) | Up to balance (debit card) |
ATM Limit | Within credit limit | Within credit limit | Up to balance (debit card) | Withdrawals in Switzerland per price list | 2 free withdrawals a month in Switzerland | 3 free withdrawals a month in Switzerland | 5 free withdrawals a month in Switzerland |
Travel Insurance (medical) | Not stated | Not stated | Not stated | Not stated | Not stated | Travel insurance included | Travel insurance included |
Trip Cancellation Insurance | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
Luggage Insurance | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
Purchase Protection | Not stated | Not stated | No credit protection (debit) | No credit protection (debit) | No credit protection (debit) | Cyber and shopping insurance | Cyber and shopping insurance |
Car Rental Insurance | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
Concierge Service | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
Airport Lounge Access | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
Cashback / Rewards | 1% at Migros, Coop and SBB, 0.25% elsewhere, credited quarterly | 1% at three favourite merchants, 0.25% elsewhere | Not stated | Not stated | Not stated | Not stated | Not stated |
International Acceptance | Very wide (Mastercard network) | Very wide (Mastercard network) | Very wide (Debit Mastercard) | Very wide (Debit Mastercard) | Very wide (Debit Mastercard) | Very wide (Debit Mastercard) | Very wide (Debit Mastercard) |
Explore the details of each type of coverage and service.
| Card | Travel Medical | Trip Cancellation | Luggage | Car Rental |
|---|---|---|---|---|
Certo! Mastercard World | Not stated | Not stated | Not stated | Not stated |
Certo! One Mastercard World | Not stated | Not stated | Not stated | Not stated |
Yuh Debit Mastercard | Not stated | Not stated | Not stated | Not stated |
neon free | Not stated | Not stated | Not stated | Not stated |
neon plus | Not stated | Not stated | Not stated | Not stated |
neon global | Travel insurance included | Not stated | Not stated | Not stated |
neon metal | Travel insurance included | Not stated | Not stated | Not stated |
* Cover depends on each card's terms; "Not stated" means the issuer does not mention it on its product page.
Our recommendations based on your usage profile.
You travel often and want to pay and withdraw abroad without fees.
CHF 15 a month: free payments and withdrawals worldwide, travel insurance, cyber and shopping cover, phone insurance. neon global (CHF 8/month): fee-free payments, 0.5% on withdrawals abroad and travel insurance.
You want a free or near-free card that works abroad.
CHF 2 a month: fee-free card payments worldwide and 2 free withdrawals a month in Switzerland. neon free: free, with a 0.35% exchange-rate markup.
You want a free credit card that pays back part of your spending.
No annual fee: 1% cashback at Migros, Coop and SBB, 0.25% elsewhere. Certo! One: 1% at three merchants of your choice and CHF 50 starting credit. Cashback does not apply to withdrawals or TWINT payments.
You regularly spend in euros.
Euro payments with no FX fee for CHF 2 a month. Yuh: free card at the interbank rate plus 0.95%, with a multi-currency account.
It depends on your use. For a free credit card with cashback, Cembra's Certo! cards (1% at selected merchants, 0.25% elsewhere). For travel, neon plans: plus at CHF 2 a month pays fee-free abroad, metal at CHF 15 a month adds free withdrawals and insurance.
Collected in October 2026: 0.35% with neon free, no fee with neon plus, global and metal, 0.95% with Yuh. Traditional bank cards apply their own markup, shown in their price list: compare before choosing if you often spend in euros.
TWINT is the Swiss mobile payment app, used in shops, online and between individuals. It links to a bank account or card. Note: TWINT payments do not earn Certo! cashback.
A debit card (Debit Mastercard or Visa Debit) charges the account immediately and is enough for everyday use. A credit card groups spending on a monthly bill; pay it in full to avoid interest. A credit card is still useful for hotel and car rental deposits.
Always pay in the local currency and decline conversion into francs offered by the terminal or ATM (dynamic currency conversion), whose rate is usually worse than your card's.
Yes, up to CHF 100,000 per customer per bank under esisuisse, the Swiss banks' deposit protection scheme.
The Swiss card market stands out for its currency (the Swiss franc), high security standards and the role of TWINT in mobile payments. Swiss cards run in CHF, and the cost of converting to euros matters a lot to cross-border workers and travellers. Since taking over Credit Suisse in 2023, UBS dominates alongside the cantonal banks (including ZKB), Raiffeisen and PostFinance. Neobanks such as neon and Yuh focus on low exchange fees.
Switzerland is among the most advanced countries for contactless and mobile payment. TWINT, the Swiss payment app, is used in shops, online and between individuals. Maestro and V-Pay cards have been replaced by Debit Mastercard and Visa Debit cards. Cantonal banks play a big role for local residents, and FINMA supervises all banks.
Swiss cards fall into debit cards (PostFinance Card, Debit Mastercard, Visa Debit), credit cards (Visa, Mastercard, American Express) and neobank cards. Cembra's Certo! cards are free and pay back 1% at Migros, Coop and SBB (0.25% elsewhere). High-end cards charge a fee in exchange for travel insurance and rewards programmes.
Swiss bank fees vary widely between banks. The cost of converting to euros matters to cross-border workers: 0.35% with neon free, no fee with neon's paid plans, 0.95% with Yuh (October 2026). Withdrawals are usually free within your bank's network. FINMA supervises banks and esisuisse protects deposits up to CHF 100,000 per customer per bank.
For a Swiss resident, a debit card linked to your account plus TWINT covers everyday payments. Cross-border workers benefit from a card with no FX fee in euros (neon plus, global or metal). For a free credit card, Cembra's Certo! cards pay back part of your spending. Always pay your credit card bill in full to avoid interest.
* Fees collected in October 2026 from issuers' official pages (Cembra, Yuh, neon). They may change: check with the issuer before applying. Supervised by FINMA. Deposits protected up to CHF 100,000 (esisuisse).