KreditSOS.ch is a free Swiss financial comparison platform that helps consumers find better rates on credit cards, bank accounts, loans, and mortgages.
What is KreditSOS?
KreditSOS is an independent online comparison service that aggregates offers from Swiss banks and credit institutions. Users select a financial product category (credit card, bank account, savings account, personal loan, mortgage, pillar 3a, or prepaid card) and view a clear side-by-side comparison of conditions. The platform runs entirely in a web browser and is operated by KreditSOS.ch, a Swiss fintech focusing on consumer transparency.
Key Features
- Free for consumers — The comparison service charges no fees to users; it earns through partner commissions.
- Multi‑product coverage — Compare credit cards, bank accounts, savings accounts, personal loans, mortgages, pillar 3a accounts, and prepaid cards in one place.
- Transparent comparisons — Conditions and rates are presented without editorial distortion, based on partner bank data.
- Direct partner links — Each comparison includes a "GO >" button that takes users to the respective bank’s offer page (e.g., credit cards, bank accounts, savings accounts, personal loans, mortgages, pillar 3a, prepaid cards).
- Wide bank network — Partners include Raiffeisen, UBS, PostFinance, Swisscard, Cembra Money Bank, Swissquote, N26, Yuh, Migros Bank, Cler, and many more (see full list on the homepage).
- Educational blog — A blog covers Swiss banks and financial topics to support informed decisions.
Who is it for?
- Swiss residents looking for a better credit card — Compare annual fees, interest rates, and perks from issuers like Swisscard, American Express, and Cornercard.
- Home buyers or property owners — Compare mortgage rates from lenders such as Raiffeisen, UBS, and PostFinance to find lower interest costs.
- Individuals seeking to optimize savings or pension — Compare savings account interest rates and pillar 3a account conditions from banks like Migros Bank and Cler.
- Borrowers considering debt consolidation — Compare personal loan offers (e.g., from bob.credit, Lend.ch) to identify lower‑rate refinancing options.
What can you do with KreditSOS?
- Compare credit cards side by side — Input your spending habits and see which card offers the best rewards and lowest fees; then click through to the bank’s application.
- Find a higher‑interest savings account — Browse interest rates from multiple banks in one table and choose the account that maximizes your returns.
- Evaluate mortgage terms — View fixed and variable mortgage rates from several Swiss lenders in a single view to negotiate better terms.
How does KreditSOS work?
Visit the homepage, select a product category (e.g., "Credit Cards"), and browse the comparison table. Each offer includes key conditions such as interest rates, fees, and features. Click the "GO >" button next to any offer to be redirected to the partner bank’s official page to apply or learn more. No registration is required to use the comparison.
Pricing
KreditSOS is free for consumers. The platform operates on a freemium model: users pay nothing, and KreditSOS receives commission from partner banks when users click through and open a product.
FAQ
Is KreditSOS really free?
Yes, the comparison service costs you nothing. KreditSOS earns referral fees from partner banks when you use the links to open an account or apply for a loan.
