Referral & Affiliate Policy

Last updated: October 2026

Short version: Some links on SwissNewbie are referral or affiliate links. When you use one and activate a product, SwissNewbie may receive a reward from the provider. This never costs you more — in most cases you also get a welcome benefit. We only feature providers we believe are genuinely useful for expats in Switzerland.

How we earn money

SwissNewbie earns revenue through referral partnerships, affiliate programmes, and in some cases lead-generation arrangements with Swiss product and service providers. We may receive a commission, fee, or reward when a visitor:

The final reward amount depends on the provider, the product, and whether the activation meets the provider's eligibility criteria. We do not earn from organic content links or from Priminfo (the official FOPH health insurance calculator).

What it means for your price

Referral commissions are paid by the provider from their marketing budget. They are not added to your bill. In many cases, using a SwissNewbie referral link gives you a welcome benefit (such as a fee credit, bonus, or discount) that you would not get by going directly to the provider's website.

How we select offers

We list providers we consider genuinely suitable for expats moving to or living in Switzerland. Commercial arrangements do not automatically qualify a provider for a feature. We do not rank providers by commission alone. We consider:

Benefit accuracy and verification

We review the benefits shown on SwissNewbie against provider terms and our referral dashboard on a regular basis. Where a benefit is variable (depends on the product selected, deposit amount, or activation conditions), we state this alongside the offer. Where a benefit cannot be confirmed, we do not display a specific number — we state that the benefit is shown by the provider.

If you notice a benefit that appears to be out of date or inaccurate, please contact us.

UBS referral program

UBS limits its KeyClub referral program to personal contacts only. Sharing a referral code publicly — on a website, forum, or social media — is classified by UBS as misuse and can lead to exclusion from the program and to rewards being refused or reclaimed, including after a reward has already been issued. We publish our own referral code for transparency, but we cannot guarantee that it remains valid or that using it will earn you a reward. Current UBS participation and promotion terms are available directly from UBS at ubs.com/ch/en/services/private/referrals.html.

Disclosure on pages

Every commercial offer card on SwissNewbie carries a small "Ad" ("Anzeige" / "Annonce") label in the corner of the card. This marks the card as a commercial placement without repeating the full policy text on every card. The complete disclosure — including the wording that SwissNewbie may receive a reward — is published once in the site footer (every page) and in full here on this policy page.

Privacy and data

When you click a referral link, you leave SwissNewbie and land on the provider's own website. Your personal data at that point is subject to the provider's privacy policy, not SwissNewbie's. SwissNewbie does not share your personal data with providers.

SwissNewbie may record that a referral link was clicked (e.g. the offer ID, provider, and source page) for internal analytics. This data does not include your name, email address, or other personally identifying information.

Provider verification queue

We maintain an internal list of claims that we are seeking to verify with provider dashboards and current terms. Until a numeric benefit is confirmed against a source URL and a review date, we display a neutral statement such as "benefit shown by provider". Our offer data file documents the verification status of each offer.

Contact

Questions about this policy or a specific offer: use our contact form.

This policy was last reviewed in October 2026. Commercial arrangements are reviewed at least annually or when provider terms change materially.