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How I Use My Banks/Cards - Coggle Diagram
How I Use My Banks/Cards
for all my purchases in Switzerland
Pay off swisscard with my revolut
Swisscard at 1% cashback
Another 1% at migros
If you cant then pay with the UBS card 0.4%
If you cant, pay with cumulus mastercard 0.33%
You then get vouchers which you can spend but only at migros etc.
Online purchases (from abroad vendors), purchases outside of Switzerland
Revolut
All bank transfers are cheapest with revolut
Use revolut for funding and withdrawing to and from Etoro
Bank account
UBS`
has a credit card
A free discounts subscription
Free bank transfers in switzerland
Purpose
A free discount subscription and mb a credit card
Bank transfers in switzerland
Only free until 22
Good online banking
In English
Sending money to revolut is 5 chf
More of just a flex bank xD
Bank account
Migros
0.6% savings account
0.4% interest on current account
Cheaper exchange fees than UBS
Free bank transfers in switzerland
free if you got more than 7500 in any currency on it (even accounts in eu and usd)
Purpose
Almost none
Going to have to be in Italian
My cards
Cumulus Mastercard
3k points
When i stop paying for UBS considering using this one
For the moment just withdrawing cash at migros because that is fee free
If you have UBS credit card then use it instead.
Swisscard
The best credit card
Use everytime they you can in switzerland
1% cashback
Bank Accounts
NBD
USD
Put $900 cash on my $ NBD
(1.25%) -$11.81 fees (VAT 5% also here)
$888.19
Sent to revolut UK Acc
-$25 Fees
$863.19
Total Fees: $36.81
will only be cheaper to send to revolut if max amount is
$1300
(
fees will be 42$
)
put cash on DM $ NBD (1% fee)
DM Bank transfer to my $ NBD $0 fees (make sure of that on dm account)
Send to Etoro/Revolut (25$ fee)
withdraw to revolut (0$ fee)
Cheapest for $ if u got $ on DM NBD account
AED
35,000 AED
Sent to revolut UK Acc 34770 AED
Transfer Fees: 230 AED ($51.09)
converted to $9436.11
(0.32% 30.29$ exchange fees)
Second best if amount is more than 1500$
sent to etoro from nbd will incur a
1.52% fees charge
(probs bank fees too)
Worst one