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Your finances under control - step by step
We'll show you what your financial setup should look like. There are many fee traps and if you don't recognise them, you're giving away a lot of money. In our comparison, you'll find a clear overview of all the information so that you don't have to trudge through factsheets and terms and conditions yourself.
But first of all: there is no such thing as the perfect all-in-one solution. The best solution is to use your personal account to pay your rent, collect cashback with your credit card when shopping and think about the right bank card for travelling abroad. Even more important are the fees when investing and making provisions - an expensive product can cost you hundreds of thousands of francs by the time you retire.
The financial setup
A good financial setup is crucial for keeping your finances under control.
EVERYDAY LIFE
PROVISION AND INVESTMENT
WAGE / INCOME
Private
account
for payment transactions
(rent, bills, etc.)
further
accounts
for diversification for amounts over CHF 100,000 (depositor protection)
Savings
account
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Emergency fund (3-6 months' wages)
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Tax reserve
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Medium-term investments
International
account +
card
for foreign payments (holidays, online shopping)
Cashback credit card
Receive cashback with every payment (online and in-store)
Investment
Invest available assets
(Investment strategy depends on risk tolerance and risk capacity)
Pillar 3a
Pension provision and tax savings
(additional account at CHF 50,000: break tax progression on withdrawal)
Rent etc.
You should primarily use the private account for domestic payments (e.g. rent, salary payments). Use an account with the lowest possible fees. You should avoid accounts with fixed costs.
Shopping
A cashback credit card is ideal for everyday shopping in Switzerland. You will receive a portion of your purchase amount back as credit with every purchase - cashback.
Saving
The nest egg (rule of thumb 3-6 months' wages) belongs in a savings account - preferably with interest. Also build up reserves for medium-term investments (e.g. a new car) or the tax bill. You should invest the rest via pillar 3a and free investments.
Promo Codes
Whenever possible, we negotiate exclusive conditions for you (e.g. a starting credit). We show you these benefits with this icon - a promo code has no influence on the rating.
Independence
Become Wealthy is completely independent. If you use one of our codes or links, we may receive a commission. We use this to finance the operation of the financial platform, for which we thank you very much. This has no influence on the rating, as we evaluate the offers using an objective evaluation matrix and the commission is not included as an evaluation criterion.
Frequently asked questions
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How does Become Wealthy compare and test?For a good rating, we expect a financial product to offer the most important functions (e.g. transfers for a private account) at the most favourable and transparent conditions possible. To do this, we define the relevant range of functions for each test category. In a second step, we compare the costs and calculate the rating on a scale of 1-5. Find out more here: The rating in detail
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What is Become Wealthy?The Swiss financial platform Become Wealthy is the ideal place to find the best among hundreds of financial offers. With our comparisons, you can organise your finances from A to Z like a pro. We show you how to optimise your financial setup so that your money works for you and not the other way round. With the Become Wealthy blog and podcast, we delve even deeper into the topic of finance. It's worth listening and reading!
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Is Become Wealthy independent?Yes, Become Wealthy is completely independent. Your trust is our most important asset - because if you no longer trust us, we can take the site offline. Our comparisons and reviews therefore always follow the same goal: to find the best financial products in Switzerland for you. We calculate our comparisons using an objective calculation matrix. For each comparison, we describe in detail how the calculations are based. As explained in the FAQ under the question "How does Become Wealthy earn money?", we sometimes receive a commission when a product is opened - but commission is never a criterion in the calculation formula.
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Become Wealthy è gratuito?Yes - Become Wealthy is and will remain completely free.
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How does Become Wealthy earn money?We finance the operation of the platform as follows: Affiliate links & promo codes: If a product or service is purchased or opened via a link or with a voucher code on this website, we sometimes receive a commission. Whenever possible, we try to negotiate special conditions (usually promo codes) so that you can benefit from even better conditions with Become Wealthy. In return, the providers benefit from lower costs, as customer acquisition also causes costs and effort for them - so in the end everyone benefits: you, the provider and us - win, win, win. Advertising: Online advertising is always labelled as such and is clearly recognisable. Any commissions have no influence on our comparison results. The comparisons are calculated on the basis of objective criteria.