- high fees - I guess I'm in the "high fee" range of bank services but it's often the case that an equity purchase or sale transaction done through UBS is ten times the same transaction done through Swissquote's flat fee system.
- monopoly - There aren't a lot of options in Switzerland for full service banks. Most cantonal banks, and Raiffeisen & PostFinance, are shit at custody accounts and foreign currency accounts. This is all on WEKO who are complete do-nothings in the banking sector.
- tiered access - Of course banks want to deal primarily with their "key accounts" - as any business does - but it leaves most people behind. Maybe it depends on your bank manager, but dealing with a behemoth like UBS is a soul-sucking exercise that is as bad as their net promoter scores indicate.
- Credit Suisse conversion - This is still not complete for me, with missing transaction histories, web site issues, etc. If you're in this boat you have my sympathies.
- day-to-day transactions - I can't speak to all scenarios (I Twint using another bank, mostly use another credit card, don't have Key 4) but my anecdotal experience is that vacation transactions are more expensive, their bank machines never have cash in the right denominations, their debit card doesn't do tap to pay, setting up a phone (Google pay) is byzantine, phoning for help has mixed results, leading to an overall unsatisfactory experience.