Prepaid credit card comparison Switzerland

How do prepaid credit cards work?

Prepaid credit cards work in a similar way to regular credit cards, but there is one key difference: you can only spend as much money as you have previously paid into the card account. This means that there is no credit line available and you have to top up your credit in advance. For this reason, they are also referred to as prepaid payment cards or prepaid payment cards to avoid confusion with prepaid mobile phone cards.

How do I find the right prepaid credit card?

You can easily find the right prepaid credit card using the independent comparison calculator at Checkall.ch. Firstly, think about how often you would like to use the card and for what purposes. Then enter your wishes and usage preferences in the comparison calculator and you will receive an overview of the available cards. This allows you to choose the cheapest or most suitable card.

How much do prepaid credit cards cost in Switzerland?

In Switzerland, the annual fees for prepaid cards are usually between CHF 35 and CHF 50. In addition to the annual fees, further costs may be incurred, such as processing fees for foreign currency transactions or fees for cash withdrawals. Foreign currency fees are generally between 1.2 % and 1.75 %. There are also differences in the exchange rates, as different providers use different conversion rates. The exchange rates are also included in the comparison on Checkall.ch to give a clear picture of the actual costs.

Cash withdrawals are often not worthwhile with prepaid cards, as fees of around 3.5 % to 4 % and at least 6 to 10 francs per withdrawal can be incurred. Some cards also charge top-up fees, meaning that costs of CHF 2 or 1% (minimum CHF 5) may be incurred for each top-up, for example.

Are there free prepaid credit cards?

Yes, there are prepaid credit cards in Switzerland that do not charge an annual fee. If you do not use the card, there are no costs. There are even cards that do not charge top-up fees and offer attractive exchange rates. However, depending on use, fees may still apply, for example for cash withdrawals or when using the card abroad.

Can I make mobile payments with a prepaid credit card?

Yes, most prepaid credit cards now support mobile payment services such as Apple Pay, Google Pay, Samsung Pay and others such as Garmin Pay or Fitbit Pay. Using the comparison on Checkall.ch, you can easily find out which cards are compatible with these services.

How satisfied are customers with Swiss prepaid cards?

Regular customer satisfaction surveys show that the majority of Swiss prepaid card users are satisfied. Aspects such as customer service, comprehensibility of information and support in the event of problems with the card are assessed. Nevertheless, there are differences between the various providers, which can be seen in detail on Checkall.ch.

What are the advantages of prepaid credit cards?

A major advantage of prepaid cards is that they are accessible to almost everyone, as they are also issued to people who would not receive a conventional credit card due to poor creditworthiness. They are also suitable for young people. Prepaid cards also offer better spending control, as only the previously topped up credit can be used.

What are the disadvantages of prepaid credit cards?

One disadvantage is the often high fees, especially for cash withdrawals or top-ups. In addition, prepaid cards are less accepted than regular credit cards, for example when booking hotels or car hire, where a credit card is usually required.

With the prepaid card comparison from Checkall.ch, you can still find cheaper options and keep an eye on all relevant fees.