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:
| Date | Radicant | Neon |
| 10. August 2024 | 0.944094 | 0.9485 |
| 30. July 2024 | 0.941577 | 0.9599 to 0.9609 |
| 27. July 2024 | 0.960036 | 0.9592 to 0.9604 |
| 23. July 2024 | 0.959413 | 0.9685 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.