Radicant: Swiss bank account with “high” interest

Radicant is one of the newer neo banks in Switzerland. What makes them interesting is that they offer high interest rates (as of August 2024 1%) of up to 250’000 CHF with no withdrawal restrictions. Ideally to park money short term.

You also receive a free digital Visa debit card, which at this point can be used with Google Pay and Apple Pay. They also offer Twint.

The debit card is really interesting for foreign currency payments as they offer the best exchange rates around.

For example Euro rates and comparison to Neon:

DateRadicantNeon
10. August 20240.9440940.9485
30. July 20240.9415770.9599 to 0.9609
27. July 20240.9600360.9592 to 0.9604
23. July 20240.9594130.9685 to 0.9699

For almost all transactions they have the better rate, sometimes just a small difference, often significant enough to make a difference.

You can use referal code 8fb8f6 when you open an account and plan to use their investment feature. You will receive up to CHF 200 credit.

Pillar 3a: Same maximum amount for 2024 as 2023

The Federal Council has left the maximum Pillar 3a contribution of CHF 7’056 for the year 2024. This corresponds to CHF 588 per month.

From a long-term investment point of view and if your financial situation allows it, paying your entire 3a contribution at the beginning of the year could make sense.

Best options in Switzerland are FinPension and Viac 3a.

For FinPension you can use referral code: 91QQC4 to receive your CHF 25 at signup.

Direct link to the signup page (you can use the app or website): English / Deutsch / Français

For Viac 3a you can use one of the following codes to get your first CHF 1’000 of invested funds fee free for ever. They are one time use only:
XUSUNFd
QM5iaNf
W62jQoF

Codes updated in August 2024, write a comment in case they all have been used.

Pillar 3a: New maximum amount for 2023

The Federal Council has increased the maximum Pillar 3a contribution to CHF 7’056 for the year 2023. This corresponds to CHF 588 per month.

From a long-term investment point of view and if your financial situation allows it, paying your entire 3a contribution at the beginning of the year could make sense.

Best options in Switzerland are FinPension and Viac 3a.

For FinPension you can use referral code: 91QQC4 to receive your CHF 25 at signup.

Direct link to the signup page (you can use the app or website): English / Deutsch / Français

For Viac 3a you can use one of the following codes to get your first CHF 1’000 of invested funds fee free for ever. They are one time use only:
1Cwb8uT
9CbPF6a
ZCDkPVW

Stableton for Private Investments

Update August 2024: This promotion is still available.

Unlock the potential of private markets, which have historically strongly outperformed. We overcome the barriers to making alternative investments accessible, profitable and understandable – for everyone!

With Stableton you can invest, when qualified, into private companies before they go public.

In the past there were investment opportunities in Revolut, SpaceX, Epic Games, Open Sea, SnapNurse and many more.

One nice thing of the platform is, that it’s not overcrowded. Not like in some of the competitors which have dozens (or even hundreds) of offers, there are always just one or a few open for investment. They make the preselection on your behalf.

They are running a promotion that you receive CHF 200 sign up bonus when opening an account and start investing, for this you can use code HZPU74 (as referrer I receive CHF 200 as well).

Sign up with Stableton

Referral code: HZPU74, RC56898

In today’s environment of acute volatility in public markets, professional investors are increasingly appreciating the potential of gaining exposure to private-market growth, where a long-term focus on value creation and active ownership predominate. Nevertheless, valuation adjustments are becoming evident as certain investors are forced to contend with liquidity shortfalls in this new paradigm. By virtue of our extensive network, we are able to source high-quality opportunities from distressed sellers with discounts from 30% to 60%, or more.

(Expired) Migros M-Plus Abo

Update November 2022: Unfortunately Migros Bern stopped Migros Plus, you can’t singe up anymore an all active subscriptions expired after their last renewal.

Migros has a subscription service which they try to be a bit like Amazon Prime.

It’s called M-Plus and costs CHF 9.90 per month. Currently the service is only available in the cantons of Bern, Solothurn and Aargau.

Main benefits are no minimum order fee for Digitec and Galaxus, no delivery fee for Micasa (even for big furnitures), SportXX, Bike World, Melectornics and Do It + Garden.

You also get 2x Cumulus points anywhere where you can earn Cumulus points, 3 cents of per liter of fuel from Migrol and 10% off your most purchased products from Migros (in store and online). In the online food shop you pay no delivery fee when you order for at least CHF 99 (which is the minimum order amount anyway).

When you sign up you get the first month for free, when you use referral code Remacc you get a second month for free (and I get a month for free as well).

Swisscard Cashback Credit Card

Swisscard is offering Cashback Credit Card duos. You always choose two cards. One is an American Express (AmEx) and the other one is either a MasterCard or Visa. For purchases with the Amex you get 1% cash back (paid once a year), for the other two 0.2%. The Visa and MasterCard are not really interesting as you earn more with other cards, but 1% for the Amex is pretty good. All the cards have no yearly fees.

When you sign up you can use promo code FC40XZNTT to get CHF 40.00 credit (I will get the same). Please note that they run from time to time promotions where you get up to CHF 100.00 credit when you sign up, so if you have time to wait, it’s worth it, otherwise CHF 40.00 is better than nothing.

FairTiq ticketing app

FairTiq is the easiest way to pay for public transport. With this app you start your journey and end it when you are done and get charged always the best rate. For example when you do multiple trips a day and you reach the price for the daily ticket, you will not be charged any extra for more trips.

Start with CHF 3.00 off your first trip / invoice when using referral code MM6FFL6XC (I will get in return CHF 3.00 as well).

Apple iPhone App Store App

Android Google Play App

Neon Bank currently runs a promotion where you get CHF 10 reimbursed when you spend CHF 50 till end of 2021

Neon fintech bank

Neon is one of the best free smart phone only banks in Switzerland. Offering is free, fees are cheap or non existing. They also have an offering Neon green, which gives you 3 years of warranty extension for most of your purchases, for CHF 5 a month. I think this is the most interesting part, not the tree planting part…

https://www.neon-free.ch/en/get-neon/

Current referral offer. You will get CHF 20 and a free card when you use my referral code, I will receive CHF 20 as well.

The code is: 5QY69G

This is a current promotion which doubled the normal referral fee. I will update this post when it changes.

They do sometimes have better promotions. There was one which expired a few days ago, where you received CHF 40 for the signup. I will update this post should I find any valid promo code you can use for a better deal.

There is currently also a deal that when you add your Neon MasterCard to the FairTiq app and spend CHF 50 till end of 2021 you will received CHF 10 back onto your Neon account.

Coupons / Promo Codes / Discount / Gutschein

Just a list of coupons. With expiry date. No affiliate links.

Franz Carl Weber

  • CHF 10.00 off (minimum purchase CHF 60.00), valid until 31.01.2023
  • Code: UDVGURSE

Farmy.ch

  • CHF 20.00 off next order plus 500 bonus-eggs, valid until 31.01.2023
  • Code: VAUDOISE

VIU Store

  • 20% off, valid until 31.03.2023. Code: VIUAY20

OrellFüssli

  • 20% off with custom code. Please contact me to receive a code

MrLens: 15% off, min. order CHF 60. Valid until 30.04.2023. Code MRL1222
Lehner Versand. 15.00 off, min order CHF 99. Valid until 30.04.2023. Code PBGRD22
Tchibo: 11% off, no min. order, Valid until 16.04.2023. Code TCH12HS1222
Weltbild: 10% off, min. order CHF 50. Valid until 12.04.2023. Code 12KMH
Office World. 15.00 off, min order CHF 100. Valid until 16.04.2023. Code RABATT12221
Ackermann. 30% off, no min order. Valid until 16.04.2023. Code 18680
Netto Shop. 20.00 off, min order CHF 200. Valid until 30.04.2023. Code WINTER-20-VSV
ifolor. 20% off, no min order. Valid until 31.05.2023. Code VSVPKTD122
Dosenbach. 10% off, min order CHF 49.90. Valid until 18.04.2023. Code DOS-12-2022
Bijouteria. 50% off, no min order. Valid until 30.06.2023. Code F5F3N
Amorana. 16.00 off, min order CHF 100. Valid until 24.04.2023. Code SG222
Haar-Shop.ch. Nail starter set + 20% off, no min. Valid until 16.04.2023. Code NAILS2212
Haar-Shop.ch. 10% off beauty, 49 min order. Valid until 16.04.2023. Code HSPD22

Geschenkidee.ch / IdeeCadeau.ch

  • CHF 20.00 off minimum order of CHF 80.00. Valid until 28.2023
  • Code: AYGI22

BonPrix.ch

  • 10% off everything till 30.06.2022: SGU25

Emma (emma-matelas.ch / www.emma-matratze.ch)

  • 55% discount till 31.07.2022: EMMAMAR55

Dodax.ch

  • 10% off everything until 31.05.2022: 20MIN0422

Coop Bau und Hobby / Brico Loisir
– 10% off for order over CHF 75.00. valid till 7.11.2021. E-Bon-Code BW332C-1KX7 or BW332A-E285
– 10x Superpoint valid till 7.11.2021. E-Bon-Code BW332D-5Y5H or BW332B-HHQ5

Ochsner Shoes
20 off 99.95 valid till 31.10.2021. Code: PINK21

Discountlens.ch
20 off 89.00 valid till 31.12.2021. Code: 2021sb09

Beldona.com
– 10% off everything till 31.03.2022. Code: BeldonaNK2109GBF

Ackermann.ch
– 30% off home and fashion till 07.02.2022: Code: 18474

GigaSport.ch
– 20% off everything till 28.02.2022. Code: GS21-CH20

Following codes are valid till 06.11.2022:

10x Superpunkte for coop-city.ch: EShopTB2-Nwce

10.- CHF discount at coop.ch minimum order of 150.- CHF: BHETR22A-P

10% discount at jumbo.ch minimum order of 75.- CHF: JUM39-1A5AN

15.- CHF discount at interdiscount.ch minimum order of 200.- CHF: 15TRAD200

20.- CHF discount at microspot.ch minimum order of 250.- CHF: MSP20TR

20% thebodyshop.ch no minimum order: 21393

10% coopvitality.ch no minimum order: VitalBon10-10-22

20% dosenbach.ch minimum order of 49.90.- CHF: COOP-2022

20% ochsnershoes.ch minimum order of 99.95.- CHF: DEAL20

10% Christ : CHRIST58-AQ

20% lumimart.ch no minimum order: 20LUMIMART

10% Import Parfumerie no minimum order IMPO81-TRB4

Lidl Parkside Smart Watering Timer (HG06875) – Zigbee with Samsung SmartThings

When you set the watering timer into pairing mode (press button once to switch on, then for around 5 seconds till both lights blink) you can discover the device through the SmartThings app. The device only gets recognized as a Thing.

Login into the SmartThings Groovy IDE and look for your Thing in the device list. Click on Edit.

There you will have to change the type from “Samsung SmartTV” to “ZigBee Valve”. Click update and now you will be able to control it through SmartThings.

PARKSIDE Smarter Bewässerungscomputer, »Zigbee Smart Home«

PARKSIDE Programmateur d’arrosage Smart Home »PSBZS A1«

PARKSIDE® Besproeiingscomputer Smart Home »PSBZS A1«

PARKSIDE® Sterownik nawadniania Zigbee Smart Home PSBZS A1